C&D COMPTA · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of C&D COMPTA is 0.4% (very low). The 2025 annual accounts show equity of €5k and a net result of €-2k. Equity is growing by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 12% of 1943 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.4% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Annual accounts: weaker financial profile +

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

Signals

1 signal · with evidence

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 1943 sector peers (2025).

View the sector comparison

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 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 30-09. 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 30-09-2025, that is 30-04-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-09-2025	30-04-2026	30-03-2026	31 d early	2026-00068884
30-09-2024	30-04-2025	29-03-2025	32 d early	2025-00057426
30-09-2023	30-04-2024	30-03-2024	31 d early	2024-00054689
30-09-2022	30-04-2023	31-03-2023	30 d early	2023-00050242

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

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

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.

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€-2k

Working capital€-104k+5.7%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 30-03-2026 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 ~7.9%/year over 4 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 69, Legal & accounting · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	3.5%	53.8%	better than 12% of 1943 sector peers
Net result	€-2k	€43k	better than 5% of 1943 sector peers
Equity	€5k	€56k	better than 15% of 1944 sector peers
Gross operating margin	€31k	€68k	better than 21% of 1942 sector peers
Staff costs	€8k	€31k	higher than 31% of 243 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 P12

Stable position over 2022-2025 · n=1943-4818

Net result P5

Stable position over 2022-2025 · n=1943-4815

Equity P15

Stable position over 2022-2025 · n=1944-4818

Gross operating margin P21

Weakening position over 2022-2025 · n=1942-4813

Describes the position versus peers, not a forecast.

EBITDA

€21k

-53.3% 22-25

Net profit

€-2k

- 22-25

Cash flow

€19k

-55.3% 22-25

Total assets

€130k

-7.9% 22-25

Equity

€5k

-28.0% 22-25

Working capital

€-104k

+5.7% 22-25

Employees (FTE)

0

0.0% 22-25

Staff costs

€8k

-9.7% 22-25

Income taxes

€427

-57.9% 22-25

Debt

€125k

-7.0% 22-25

Debt ≤ 1y

€125k

-7.0% 22-25

Current ratio

0.17

-6.0% 22-25

Quick ratio

0.17

-6.0% 22-25

Solvency

3.5%

-21.9% 22-25

Debt / equity

27.35

+29.3% 22-25

ROE

-39.0%

- 22-25

ROA

-1.4%

- 22-25

Interest coverage

10.34

-66.3% 22-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€21k
Net profit	€-2k
Cash flow	€19k
Staff costs	€8k
Income taxes	€427
Dividends	-
Total assets	€130k
Equity	€5k
Debt	€125k
of which ≤ 1y	€125k
of which > 1y	-
Working capital	€-104k
Employees (FTE)	0.3

Ratios (computed)

	2025
Current ratio	0.17
Quick ratio	0.17
Working capital ratio	-79.8%
Solvency	3.5%
Debt / equity	27.35
Long-term debt ratio	-
Interest coverage	10.34
Gross margin	-
Net margin	-
ROA	-1.4%
ROE	-39.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €108k · 83.3% Current assets €22k · 16.7%

Equity & liabilities

Equity €5k · 3.5% Debt €125k · 96.5%

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	€130k
Fixed assets	21/28	€108k
Formation expenses	20	€141
Intangible fixed assets	21	€77k
Tangible fixed assets	22/27	€27k
Financial fixed assets	28	€4k
Current assets	29/58	€22k
Amounts receivable within one year	40/41	€12k
Cash & bank	54/58	€9k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€130k
Equity	10/15	€5k
Contributions / capital	10/11	€2k
Accumulated profits (losses)	14	€3k
Amounts payable	17/49	€125k
Amounts payable within one year	42/48	€125k
Trade debts payable within one year	44	€29k
Income statement
Gross operating margin	9900	€31k
Operating result	9901	€-39
Financial income	75	€691
Financial charges	65	€2k
Result before taxes	9903	€-1k
Income taxes	67/77	€427
Net result for the period	9904	€-2k
Result to be appropriated	9905	€-2k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

20 / 100 Critical

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.

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 du Quéniau(PAU) 1107100 La Louvière

Establishment units

1 location

C&D COMPTA

Rue du Quéniau(PAU) 110, 7100 La LouvièreActiviteiten van gecertificeerde belastingadviseurs

since 20212.321.005.508

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

Parcels1

Ground area269 m²

Buildings1

Building footprint48 m²

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.
55015B0051/00S000	Wallonia	269 m²	1 · 48 m²	-

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

Address history · 1

18-09-2024

Registered-office move

All acts · 1 updated 1 year ago

2024

18-09-2024 Registered office moved from LA HESTRE to HAINE Registered-office change

RUE DE CANTERLOТ 51 7170 LA HESTRE → RUE DU QUENIAU 110 7100 HAINE-SAINT-PAUL

Original publication ↗

Analysis

Snowflake analysis

financial profile on 5 axes

34 / 100

Fragile profile, watch profitability in particular.

All 5 axes are computed from data Checked has read.

Health 20

Profitability 0

Solvency 2

Growth 52

Stability 94

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Credit advice

verdict per customer and amount

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We hold annual accounts for 1,571 of the 12,136 companies in this sector. 653 of them are within a factor 10 of this company's equity.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Accountants en belastingconsulenten69201Activiteiten van (gecertificeerde) (fiscaal) accountants69201Boekhouders en boekhouders-fiscalisten69202

Primary activity highlighted.

Names & trade names

Legal nameFR

C&D COMPTA

Registered office

Rue du Quéniau(PAU) 110

7100 La Louvière, Belgium

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