Skip to content

C.C.L.

Active
Private limited companyfounded 199234 yrs activePrise-d'Aublain, Aub. 2, 5660 Couvin, BelgiumKBO/BCE: BE 0446.414.190
Summary

C.C.L. has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€69,353) and a net result of -€1,254. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 5% of 1224 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability66▲+3
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.05 against 0.05 in 2024; short-term debt: 197.8% and cash: 7.7% of total assets), and equity is negative.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Services to buildings and landscape activities (NACE 81)
about 79% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
-104.9%
Return on assets
-1.9%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 34 years 0 40 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year -€69,353
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
24 d late
2024
29 d early
2023
27 d early
2022
32 d early
2021
39 d early
2020
54 d early
2019
44 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 29 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 43% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 2 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

C.C.L. was incorporated on 3 February 1992.1 Total assets fell from EUR 176,347 in 2018 to EUR 66,087 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

Go further with this company

Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, abbreviated schema

Turnover
€32,830
EBIT margin
-25.6%
Net result
-€1,254▲ 71.8%
2024 · -€4,442
Working capital
-€124,314▲ 13.5%
2024 · -€143,692
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 81, Services to buildings and landscape activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Turnover
Operating result€4€783▲ 21,302%€1,234▲ 57.5%-€3,661-€795▲ 78.3%
Net result-€1,506below the sector's middle half▲ 84.5%-€595below the sector's middle half▲ 60.5%€91below the sector's middle half-€4,442below the sector's middle half-€1,254below the sector's middle half▲ 71.8%
EBIT margin
Equity-€75,548below the sector's middle half▼ 2.0%-€76,143below the sector's middle half▼ 0.8%-€63,657below the sector's middle half▲ 16.4%-€68,099below the sector's middle half▼ 7.0%-€69,353below the sector's middle half▼ 1.8%
Total assets€141,273below the sector's middle half▲ 13.9%€154,463below the sector's middle half▲ 9.3%€139,739below the sector's middle half▼ 9.5%€89,509below the sector's middle half▼ 35.9%€66,087below the sector's middle half▼ 26.2%
Debt€216,821▲ 9.5%€230,606▲ 6.4%€203,397▼ 11.8%€157,608▼ 22.5%€135,439▼ 14.1%
Working capital-€157,860below the sector's middle half▼ 22.8%-€164,127below the sector's middle half▼ 4.0%-€146,211below the sector's middle half▲ 10.9%-€143,692below the sector's middle half▲ 1.7%-€124,314below the sector's middle half▲ 13.5%
Solvency-53.5%below the sector's middle half▲ 6.2pp-49.3%below the sector's middle half▲ 4.2pp-45.6%below the sector's middle half▲ 3.7pp-76.1%below the sector's middle half▼ 30.5pp-104.9%below the sector's middle half▼ 28.9pp
Current ratio0.07below the sector's middle half▲ 0.030.13below the sector's middle half▲ 0.060.18below the sector's middle half▲ 0.050.05below the sector's middle half▼ 0.140.05below the sector's middle half=
Return on assets (ROA)-1.1%below the sector's middle half▲ 6.8pp-0.4%below the sector's middle half▲ 0.7pp0.1%below the sector's middle half▲ 0.5pp-5.0%below the sector's middle half▼ 5.0pp-1.9%below the sector's middle half▲ 3.1pp
above within below the middle half (P25 to P75) of NACE 81, Services to buildings and landscape activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
-€6,000-€4,000-€2,000€0€2,000Operating result 2021: €4€4Net result 2021: -€1,506-€1,506Operating result 2022: €783€783Net result 2022: -€595-€595Operating result 2023: €1,234€1,234Net result 2023: €91€91Operating result 2024: -€3,661-€3,661Net result 2024: -€4,442-€4,442Operating result 2025: -€795-€795Net result 2025: -€1,254-€1,25420212022202320242025-€6,000-€4,000-€2,000€0€2,000Operating result 2023: €1,234€1,230Net result 2023: €91€91Operating result 2024: -€3,661-€3,660Net result 2024: -€4,442-€4,440Operating result 2025: -€795-€795Net result 2025: -€1,254-€1,250202320242025
The operating result stays negative: a loss of €795 in 2025 against €3,661 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €66,087
Fixed assets €59,698 ▼ 27.5%
Current assets €6,388 ▼ 11.3%
Key figures and ratios
2025 value · change against 2024
EBITDA
€24,414▲
2024 · €20,959
Cash flow
€23,955▲
2024 · €20,178
Quick ratio
0.05▲
2024 · 0.05
Debt to equity
-1.95▲
2024 · -2.31
Interest coverage
53.18▲
2024 · 26.85
Debt ≤ 1 year
€130,703▼
2024 · €150,894
Debt > 1 year
€4,737▼
2024 · €6,714
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,795 companies that looked in July 2024 the way this one looks now, 2.1% went bankrupt within 24 months and 90% are still going.

  • Micro
  • 20 years or older
  • negative equity
  • a small loss
2.1% went bankrupt
6.0% stopped otherwise
90% still going

A further 1.7% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.2% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.9%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 2,795 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet Code20242025
Assets
Total assets20/58€89,509€66,087▼
Fixed assets21/28€82,307€59,698▼
Tangible fixed assets22/27€82,307€59,698▼
Plant, machinery and equipment23€44,769€34,673▼
Furniture and vehicles24€37,538€25,025▼
Current assets29/58€7,202€6,388▼
Stocks and contracts in progress3€248€248=
Stocks30/36€248€248=
Amounts receivable within one year40/41€2,120€0▼
Trade receivables40€2,120€0▼
Other amounts receivable41€0€0=
Cash at bank and in hand54/58€3,601€5,071▲
Deferred charges and accrued income490/1€1,233€1,069▼
Equity and liabilities
Total equity and liabilities10/49€89,509€66,087▼
Equity10/15-€68,099-€69,353▼
Contributions10/11€20,451€20,451=
Reserves13€3,392€3,392=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€3,392€3,392=
Profit (loss) carried forward14-€91,942-€93,196▼
Provisions and deferred taxes16€0-
Provisions for liabilities and charges160/5€0-
Other liabilities and charges164/5€0-
Amounts payable17/49€157,608€135,439▼
Amounts payable after more than one year17€6,714€4,737▼
Financial debts170/4€6,714€4,737▼
Amounts payable within one year42/48€150,894€130,703▼
Current portion of amounts payable after more than one year42€17,660€1,977▼
Trade debts44€5,361€1,351▼
Suppliers440/4€5,361€1,351▼
Taxes, remuneration and social security45€4,244€436▼
Taxes450/3€244€436▲
Remuneration and social security454/9€4,000€0▼
Other amounts payable47/48€123,629€126,939▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24,620€25,209▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€0-
Other operating charges640/8€387€400▲
Gross operating margin9900€21,346€24,814▲
Operating profit (loss)9901-€3,661-€795▲
Financial charges65/66B€781€459▼
Recurring financial charges65€781€459▼
Profit (loss) for the period before taxes9903-€4,442-€1,254▲
Profit (loss) for the period9904-€4,442-€1,254▲
Profit (loss) for the period to be appropriated9905-€4,442-€1,254▲
Appropriation of the result
Profit (loss) to be appropriated9906-€91,942-€93,196▼
Profit (loss) brought forward from the previous period14P-€87,501-€91,942▼

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22,790€28,178€29,230€24,620€25,209▲ 2.4%
Provisions for liabilities and charges: additions (uses and reversals)635/8---€0--
Other operating charges640/8€363€2,162€384€387€400▲ 3.2%
Gross operating margin9900€23,157€31,124€30,848€21,346€24,814▲ 16.2%
Operating profit (loss)9901€4€783€1,234-€3,661-€795▲ 78.3%
Financial charges65/66B€1,510€1,378€1,142€781€459▼ 41.2%
Recurring financial charges65€1,510€1,378€1,142€781€459▼ 41.2%
Profit (loss) for the period before taxes9903-€1,506-€595€91-€4,442-€1,254▲ 71.8%
Profit (loss) for the period9904-€1,506-€595€91-€4,442-€1,254▲ 71.8%
Profit (loss) for the period to be appropriated9905-€1,506-€595€91-€4,442-€1,254▲ 71.8%
Line20212022202320242025Change
Assets
Total assets20/58€141,273€154,463€139,739€89,509€66,087▼ 26.2%
Fixed assets21/28€129,455€129,987€106,927€82,307€59,698▼ 27.5%
Tangible fixed assets22/27€129,455€129,987€106,927€82,307€59,698▼ 27.5%
Plant, machinery and equipment23€54,379€67,424€56,876€44,769€34,673▼ 22.6%
Furniture and vehicles24€75,076€62,563€50,051€37,538€25,025▼ 33.3%
Current assets29/58€11,818€24,476€32,812€7,202€6,388▼ 11.3%
Stocks and contracts in progress3€248€248€248€248€248=
Stocks30/36€248€248€248€248€248=
Amounts receivable within one year40/41€1,738€21,351€20,796€2,120€0▼ 100%
Trade receivables40€1,738€7,000€20,500€2,120€0▼ 100%
Other amounts receivable41€0€14,351€296€0€0-
Cash at bank and in hand54/58€8,813€2,013€10,273€3,601€5,071▲ 40.8%
Deferred charges and accrued income490/1€1,020€864€1,494€1,233€1,069▼ 13.3%
Equity and liabilities
Total equity and liabilities10/49€141,273€154,463€139,739€89,509€66,087▼ 26.2%
Equity10/15-€75,548-€76,143-€63,657-€68,099-€69,353▼ 1.8%
Contributions10/11€6,197€6,197€18,592€20,451€20,451=
Reserves13€5,251€5,251€5,251€3,392€3,392=
Non-distributable reserves130/1€1,859€1,859€1,859€0--
Reserves not available under the articles1311€1,859€1,859€1,859€0--
Distributable reserves133€3,392€3,392€3,392€3,392€3,392=
Profit (loss) carried forward14-€86,997-€87,592-€87,501-€91,942-€93,196▼ 1.4%
Provisions and deferred taxes16---€0--
Provisions for liabilities and charges160/5---€0--
Other liabilities and charges164/5---€0--
Amounts payable17/49€216,821€230,606€203,397€157,608€135,439▼ 14.1%
Amounts payable after more than one year17€47,143€42,003€24,374€6,714€4,737▼ 29.4%
Financial debts170/4€47,143€42,003€24,374€6,714€4,737▼ 29.4%
Amounts payable within one year42/48€169,678€188,603€179,023€150,894€130,703▼ 13.4%
Current portion of amounts payable after more than one year42€15,714€17,599€17,629€17,660€1,977▼ 88.8%
Trade debts44€1,702€19,096€9,611€5,361€1,351▼ 74.8%
Suppliers440/4€1,702€19,096€9,611€5,361€1,351▼ 74.8%
Taxes, remuneration and social security45€480€125€0€4,244€436▼ 89.7%
Taxes450/3€480€125€0€244€436▲ 78.7%
Remuneration and social security454/9--€0€4,000€0▼ 100%
Other amounts payable47/48€151,782€151,782€151,782€123,629€126,939▲ 2.7%
Line20212022202320242025Change
Profit (loss) for the period9904-€1,506-€595€91-€4,442-€1,254▲ 71.8%
+ Depreciation and write-downs630€22,790€28,178€29,230€24,620€25,209▲ 2.4%
Operating cash flow (approximation)€21,284€27,583€29,321€20,178€23,955▲ 18.7%
Investment in fixed assets (approximation)--€28,711-€6,170€0-€2,600-
Change in cash--€6,800€8,261-€6,672€1,470▲ 122%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
24-08
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema · 24 days late
2025
02-07
NBB filing Annual accounts filed
fiscal year 2024 · full schema
2024
04-07
NBB filing Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial Back to profitnet €91
Net result €91 after 5 loss-making years.
29-06
NBB filing Annual accounts filed
fiscal year 2022 · full schema
2022
22-06
NBB filing Annual accounts filed
fiscal year 2021 · full schema
2021
07-06
NBB filing Annual accounts filed
fiscal year 2020 · full schema
2020
17-06
NBB filing Annual accounts filed
fiscal year 2019 · full schema
2019
02-06
NBB filing Annual accounts filed
fiscal year 2018 · full schema
2018
28-05
NBB filing Annual accounts filed
fiscal year 2017 · full schema
2017
30-05
NBB filing Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Couvin · 1 establishment unit since 1992
seat establishment The establishment unit on the map
Ground area
2,037 m²
Building footprint
97 m²
Parcel 93003A0079/00_000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Prise-d'Aublain, Aub. 2, 5660 Couvin
NACE 0112302
since 19922.056.135.625
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
93003A0079/00_000 Wallonia 2,037 m² 1 · 97 m² -
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Structure & network

Owners and holdings

1 owner

Owners 1

Holdings 0

The accounts to 31-12-2025 list no holdings, and no other source names one.

According to the 2025 annual accounts of C.C.L. and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 21,227 companies in sector 81300 we hold annual accounts for 4,369. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded03-02-1992
Fiscal year end31-12
Activities, NACEBEL 2025
81300Landscape service activities
E-invoicing
Reachable via Peppol
Peppol ID 0208:0446414190
Also 9925:BE0446414190
Registered 19-11-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.