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C.D.B.

Active
Private limited companyfounded 199036 yrs activeMechelbaan 93, 2861 Sint-Katelijne-Waver, BelgiumKBO/BCE: BE 0440.009.618
Summary

C.D.B. has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €104,349 and a net result of -€17,960. Equity is shrinking by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 91% of 3158 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability5▼-69
Solvency100=
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days acceptable
Liquidity ample (current ratio 2.14 against 3.7 in 2024; short-term debt: 12.8% and cash: 17.3% of total assets), and 12.8% of the assets are financed with debt.
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Signals

Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Crop and animal production, hunting and related service activities (NACE 01)
about 70% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
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 36 years 0 40 y
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 02-04-2026, 28 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
28 d early
2024
on the day
2023
22 d early
2022
12 d early
2021
9 d early
2020
14 d early
2019
30 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 16 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 37% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
27-09-2026 today30-09-2026 close30-04-2027 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

On 23 February 1990, C.D.B. was incorporated.1 Total assets went from EUR 188,327 in 2018 to EUR 119,648 in 2025.2

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

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Financials · fiscal year 2025, micro schema

Turnover
€44,781
EBIT margin
-35.9%
Net result
-€17,960
2024 · €5,902
Working capital
€17,381▼ 53.5%
2024 · €37,380
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Turnover€44,781
Operating result€1,006▼ 75.0%-€20,016€2,691€8,421▲ 213%-€16,072
Net result€626▼ 86.0%-€20,234€2,261€5,902▲ 161%-€17,960
EBIT margin-35.9%
Equity€134,096▲ 0.7%€114,147▼ 14.9%€116,407▲ 2.0%€122,309▲ 5.1%€104,349▼ 14.7%
Total assets€146,451▼ 6.5%€127,357▼ 13.0%€167,208▲ 31.3%€136,151▼ 18.6%€119,648▼ 12.1%
Debt€11,422▼ 47.8%€12,967▲ 13.5%€50,800▲ 292%€13,841▼ 72.8%€15,299▲ 10.5%
Working capital€33,917=€30,196▼ 11.0%€18,327▼ 39.3%€37,380▲ 104%€17,381▼ 53.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€30,000-€20,000-€10,000€0€10,000Operating result 2021: €1,006€1,006Net result 2021: €626€626Operating result 2022: -€20,016-€20,016Net result 2022: -€20,234-€20,234Operating result 2023: €2,691€2,691Net result 2023: €2,261€2,261Operating result 2024: €8,421€8,421Net result 2024: €5,902€5,902Operating result 2025: -€16,072-€16,072Net result 2025: -€17,960-€17,96020212022202320242025-€20,000-€10,000€0€10,000Operating result 2023: €2,691€2,690Net result 2023: €2,261€2,260Operating result 2024: €8,421€8,420Net result 2024: €5,902€5,900Operating result 2025: -€16,072-€16,100Net result 2025: -€17,960-€18,000202320242025
The operating result turns negative in 2025: a loss of €16,072 after €8,421 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €119,648
Fixed assets €86,968 ▲ 2.4%
Current assets €32,680 ▼ 36.2%
Equity and liabilities €119,648
Equity €104,349 ▼ 14.7%
Debt €15,299 ▲ 10.5%
Debt's share of the balance-sheet total rises from 10.2% to 12.8%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
-€725▼
2024 · €23,725
Cash flow
-€2,613▼
2024 · €21,206
Current ratio
2.14▼
2024 · 3.70
Debt to equity
0.15▲
2024 · 0.11
ROE
-17.2%▼
2024 · 4.8%
ROA
-15.0%▼
2024 · 4.3%
Interest coverage
-0.38▼
2024 · 15.18
Debt ≤ 1 year
€15,299▲
2024 · €13,841
Income taxes
€188▼
2024 · €1,013
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 5,827 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 84% are still going.

  • Micro
  • 20 years or older
  • solvency 30% or more
  • a loss of 10% of the balance sheet or more
1.5% went bankrupt
14% stopped otherwise
84% still going

A further 0.7% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

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 5,827 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 · 44 lines
Balance sheet Code20242025
Assets
Total assets20/58€136,151€119,648▼
Fixed assets21/28€84,929€86,968▲
Tangible fixed assets22/27€84,929€86,968▲
Land and buildings22€66,515€71,744▲
Plant, machinery and equipment23€2,364€4,736▲
Furniture and vehicles24€16,050€10,488▼
Current assets29/58€51,222€32,680▼
Amounts receivable within one year40/41€13,880€11,958▼
Trade receivables40€9,983€7,458▼
Other amounts receivable41€3,897€4,499▲
Cash at bank and in hand54/58€37,342€20,722▼
Equity and liabilities
Total equity and liabilities10/49€136,151€119,648▼
Equity10/15€122,309€104,349▼
Contributions10/11€6,200€6,200=
Reserves13€116,109€98,149▼
Tax-exempt reserves132€2,268€0▼
Distributable reserves133€113,841€98,149▼
Amounts payable17/49€13,841€15,299▲
Amounts payable within one year42/48€13,841€15,299▲
Trade debts44€1,341€6,019▲
Suppliers440/4€1,341€6,019▲
Taxes, remuneration and social security45€996€600▼
Taxes450/3€996€600▼
Other amounts payable47/48€11,504€8,680▼
Income statement Code20242025
Turnover70-€44,781
Non-recurring operating income76A€10,000€0▼
Goods, raw materials, services and sundry goods60/61-€59,917
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15,305€15,347▲
Other operating charges640/8€6,898€7,332▲
Gross operating margin9900€30,623€6,607▼
Operating profit (loss)9901€8,421-€16,072▼
Financial income75/76B€57€201▲
Recurring financial income75€57€201▲
Financial charges65/66B€1,563€1,902▲
Recurring financial charges65€1,563€1,902▲
Profit (loss) for the period before taxes9903€6,915-€17,772▼
Income taxes67/77€1,013€188▼
Profit (loss) for the period9904€5,902-€17,960▼
Transfer from tax-exempt reserves789€1,782€2,268▲
Profit (loss) for the period to be appropriated9905€7,683-€15,692▼
Appropriation of the result
Profit (loss) to be appropriated9906€7,683-€15,692▼
Transfer from equity791/2-€15,692
Transfer to equity691/2€7,683€0▼
To other reserves6921€7,683€0▼

The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Turnover70----€44,781-
Non-recurring operating income76A€1,501--€10,000€0▼ 100%
Goods, raw materials, services and sundry goods60/61----€59,917-
Remuneration, social security and pensions62--€150---
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19,728€22,005€13,932€15,305€15,347▲ 0.3%
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€6,012-----
Other operating charges640/8€11,679€1,786€15,020€6,898€7,332▲ 6.3%
Gross operating margin9900€26,400€3,776€31,793€30,623€6,607▼ 78.4%
Operating profit (loss)9901€1,006-€20,016€2,691€8,421-€16,072▼ 291%
Financial income75/76B€26€13€1€57€201▲ 255%
Recurring financial income75€26€13€1€57€201▲ 255%
Financial charges65/66B€435€411€203€1,563€1,902▲ 21.7%
Recurring financial charges65€435€411€203€1,563€1,902▲ 21.7%
Profit (loss) for the period before taxes9903€596-€20,415€2,488€6,915-€17,772▼ 357%
Transfer from deferred taxes780€405€405€243---
Income taxes67/77€375€224€471€1,013€188▼ 81.4%
Profit (loss) for the period9904€626-€20,234€2,261€5,902-€17,960▼ 404%
Transfer from tax-exempt reserves789€1,620€1,620€1,782€1,782€2,268▲ 27.3%
Profit (loss) for the period to be appropriated9905€2,246-€18,614€4,043€7,683-€15,692▼ 304%
Line20212022202320242025Change
Assets
Total assets20/58€146,451€127,357€167,208€136,151€119,648▼ 12.1%
Fixed assets21/28€101,112€84,194€98,080€84,929€86,968▲ 2.4%
Tangible fixed assets22/27€101,112€84,194€98,080€84,929€86,968▲ 2.4%
Land and buildings22€77,151€69,948€72,261€66,515€71,744▲ 7.9%
Plant, machinery and equipment23€15,230€10,941€6,653€2,364€4,736▲ 100%
Furniture and vehicles24€4,786€3,304€19,167€16,050€10,488▼ 34.7%
Leasing and similar rights25€3,945-----
Current assets29/58€45,339€43,164€69,128€51,222€32,680▼ 36.2%
Amounts receivable within one year40/41€10,438€12,437€40,613€13,880€11,958▼ 13.9%
Trade receivables40€4,982€9,513€37,688€9,983€7,458▼ 25.3%
Other amounts receivable41€5,456€2,924€2,924€3,897€4,499▲ 15.5%
Cash at bank and in hand54/58€34,900€30,726€25,359€37,342€20,722▼ 44.5%
Deferred charges and accrued income490/1--€3,156---
Equity and liabilities
Total equity and liabilities10/49€146,451€127,357€167,208€136,151€119,648▼ 12.1%
Equity10/15€134,096€114,147€116,407€122,309€104,349▼ 14.7%
Contributions10/11€6,200€6,200€6,200€6,200€6,200=
Reserves13€11,273€9,937€110,207€116,109€98,149▼ 15.5%
Non-distributable reserves130/1€1,859€1,859----
Reserves not available under the articles1311€1,859€1,859----
Tax-exempt reserves132€7,168€5,832€4,050€2,268€0▼ 100%
Distributable reserves133€2,246€2,246€106,157€113,841€98,149▼ 13.8%
Profit (loss) carried forward14€116,623€98,010----
Provisions and deferred taxes16€932€243----
Deferred taxes168€932€243----
Amounts payable17/49€11,422€12,967€50,800€13,841€15,299▲ 10.5%
Amounts payable within one year42/48€11,422€12,967€50,800€13,841€15,299▲ 10.5%
Current portion of amounts payable after more than one year42€6,230€3,981----
Trade debts44€896€956€39,406€1,341€6,019▲ 349%
Suppliers440/4€896€956€39,406€1,341€6,019▲ 349%
Taxes, remuneration and social security45€1,296€5,031€8,360€996€600▼ 39.7%
Taxes450/3€1,296€4,621€8,360€996€600▼ 39.7%
Remuneration and social security454/9-€410----
Other amounts payable47/48€3,000€3,000€3,035€11,504€8,680▼ 24.5%
Line20212022202320242025Change
Profit (loss) for the period9904€626-€20,234€2,261€5,902-€17,960▼ 404%
+ Depreciation and write-downs630€19,728€22,005€13,932€15,305€15,347▲ 0.3%
Operating cash flow (approximation)€20,354€1,772€16,193€21,206-€2,613▼ 112%
Investment in fixed assets (approximation)--€5,087-€27,819-€2,153-€17,387▼ 707%
Change in cash--€4,174-€5,368€11,983-€16,619▼ 239%

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

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 30-04-2027
2026
02-04
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
30-04
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial Highest result since 2018net €5,902 ▲161%
Operating result €8,421, net result €5,902, both a record.
30-09
Financial Liquidity triplescurrent ratio 3.70
Current ratio from 1.36 to 3.70; short-term debt falls from €50,800 to €13,841.
08-04
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial Back to profitnet €2,261
Net result €2,261 after one loss-making year.
18-04
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
21-04
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
16-04
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial Back to profitnet €4,468
Net result €4,468 after 2 loss-making years.
31-03
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial Weakest financial yearnet -€31,019
Net result drops to -€31,019, the lowest in the series; recovery starts the following year.
Show earlier events
15-03
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
22-03
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
14-03
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
2 acts for this company are 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, Sint-Katelijne-Waver · 1 establishment unit since 1990
seat establishment The establishment unit on the map
Ground area
1,125 m²
Building footprint
815 m²
Volume, LiDAR
3,654 m³
Parcel 12027E0156/00K002, Flanders · tallest building 10.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
C.D.B. BVBA
Mechelbaan 93, 2861 Sint-Katelijne-WaverNACE 0112302
since 19902.047.539.346
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
12027E0156/00K002 Flanders 1,125 m² 1 · 814 m² 10.9 m · 2 fl.
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.

Similar companies · same sector, comparable size

Of 20,585 companies in sector 01500 we hold annual accounts for 1,149. 858 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded23-02-1990
Fiscal year end30-09
Activities, NACEBEL 2025
01500Mixed farming
01480Raising of other animals
47762Retail sale of pets, pet food and pet supplies
E-invoicing
Reachable via Peppol
Peppol ID 0208:0440009618
Also 9925:BE0440009618
Registered 14-08-2025

Register as of 27 September 2026 · Peppol Directory

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