C & C MENUISERIE · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of C & C MENUISERIE is 0.9% (low). The 2025 annual accounts show equity of €114k and a net result of €8. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 70% of 2873 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Signals

1 signal · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-06-2025	31-01-2026	30-01-2026	1 d early	2026-00032421
30-06-2024	31-01-2025	31-01-2025	on the day	2025-00025163
30-06-2023	31-01-2024	29-01-2024	2 d early	2024-00009563
30-06-2022	31-01-2023	31-01-2023	on the day	2023-00021992
30-06-2021	31-01-2022	31-01-2022	on the day	2022-05000451
30-06-2020	31-01-2021	29-01-2021	2 d early	2021-04300298
30-06-2019	31-01-2020	28-02-2020	28 d late	2020-06200586
30-06-2018	31-01-2019	31-01-2019	on the day	2019-04600562
30-06-2017	31-01-2018	31-01-2018	on the day	2018-04300427
30-06-2016	31-01-2017	31-01-2017	on the day	2017-04000235

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Established

Founded in 2009, 17 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.9% Low

0%0,5%1,5%4%10%≥25%

Higher-failure-rate sector +Long track record −Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€8-99.6%

Working capital€111k-17.5%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 30-01-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~3.6%/year over 7 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 43, Specialised construction · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	59.9%	43.4%	better than 70% of 2873 sector peers
Net result	€8	€13k	better than 17% of 2872 sector peers
Equity	€114k	€44k	better than 81% of 2873 sector peers
Gross operating margin	€13k	€39k	better than 22% of 2870 sector peers
Staff costs	€9k	€30k	higher than 34% of 929 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P70

Weakening position over 2020-2025 · n=1633-11087

Net result P17

Weakening position over 2020-2025 · n=1626-11069

Equity P81

Stable position over 2020-2025 · n=1635-11090

Gross operating margin P22

Weakening position over 2020-2025 · n=1624-11060

Describes the position versus peers, not a forecast.

EBITDA

€2k

-51.5% 19-25

Net profit

€8

-99.6% 19-25

Cash flow

€575

-81.3% 19-25

Total assets

€191k

+4.0% 19-25

Equity

€114k

-16.3% 19-25

Working capital

€111k

-17.5% 19-25

Employees (FTE)

1

+14.3% 19-25

Staff costs

€9k

+73.8% 19-25

Income taxes

€1k

+226.2% 19-25

Dividends

€22k

+60.5% 19-25

Debt

€76k

+62.6% 19-25

Debt ≤ 1y

€76k

+62.6% 19-25

Current ratio

2.45

-36.5% 19-25

Quick ratio

2.40

-27.5% 19-25

Solvency

59.9%

-19.5% 19-25

Debt / equity

0.67

+94.1% 19-25

ROE

0.0%

-99.5% 19-25

ROA

0.0%

-99.6% 19-25

Interest coverage

2.35

-58.3% 19-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€2k
Net profit	€8
Cash flow	€575
Staff costs	€9k
Income taxes	€1k
Dividends	€22k
Total assets	€191k
Equity	€114k
Debt	€76k
of which ≤ 1y	€76k
of which > 1y	-
Working capital	€111k
Employees (FTE)	0.8

Ratios (computed)

	2025
Current ratio	2.45
Quick ratio	2.40
Working capital ratio	58.2%
Solvency	59.9%
Debt / equity	0.67
Long-term debt ratio	-
Interest coverage	2.35
Gross margin	-
Net margin	-
ROA	0.0%
ROE	0.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €3k · 1.7% Current assets €187k · 98.3%

Equity & liabilities

Equity €114k · 59.9% Debt €76k · 40.1%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€191k
Fixed assets	21/28	€3k
Tangible fixed assets	22/27	€3k
Financial fixed assets	28	€50
Current assets	29/58	€187k
Stocks & contracts in progress	3	€4k
Amounts receivable within one year	40/41	€49k
Cash & bank	54/58	€127k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€191k
Equity	10/15	€114k
Contributions / capital	10/11	€6k
Reserves	13	€108k
Amounts payable	17/49	€76k
Amounts payable within one year	42/48	€76k
Trade debts payable within one year	44	€40k
Income statement
Gross operating margin	9900	€13k
Operating result	9901	€1k
Financial income	75	€573
Financial charges	65	€846
Result before taxes	9903	€1k
Income taxes	67/77	€1k
Net result for the period	9904	€8
Result to be appropriated	9905	€8

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

78 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Directors

Directors & mandates

1 director

Current directors & mandates

Christophe CHILESE
Director
State Gazette act 24306145 (04-01-2024)

Current
04-01-2024 → present

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	Schrijnwerk(43320)
Legal form	Private limited company(610)
Incorporation	05-02-2009
Status	Active
Postal code	6040

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Rue Dewiest François 306040 Charleroi

Establishment units

1 location

SPRL C&C Menuiserie

Rue Dewiest François 30, 6040 CharleroiVervaardiging van niet-ineengezette onderdelen en lamellen voor vloeren

since 20092.176.144.223

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area163 m²

Buildings1

Building footprint38 m²

Volume (LiDAR)304 m³

Tallest building9.4 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
52363E0474/00W000	Wallonia	163 m²	1 · 38 m²	9.4 m · 3 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts

All acts · 1 updated 2 years ago

2024

04-01-2024 Christophe CHILESE appointed as director Director changes·Dominique Rombeau

Christophe CHILESE, Bestuurder

Notary: Dominique Rombeau · Jumet

Original publication ↗

Analysis

Snowflake analysis

financial profile on 5 axes

66 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 78

Profitability 0

Solvency 98

Growth 52

Stability 100

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Credit advice

verdict per customer and amount

Similar

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We hold annual accounts for 2,271 of the 20,015 companies in this sector. 1,882 of them are within a factor 10 of this company's equity.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Schrijnwerk43320Schrijnwerk43320Vervaardiging van ander schrijn- en timmerwerk16230Vervaardiging van ander schrijn- en timmerwerk16230Dakwerkzaamheden43410Dakwerkzaamheden43910

Primary activity highlighted.

Names & trade names

Legal nameFR

C & C MENUISERIE

Registered office

Rue Dewiest François 30

6040 Charleroi, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.