C.D.M.
ActiveC.D.M. is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €168k and a net result of €16k. Equity is growing by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 52% of 5394 sector peers (fiscal year 2025). The company has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
38 d early
2023
28 d late
2022
3 d late
2021
23 d early
2020
11 d early
2019
8 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€168k▲ 10.7%
2024 · €151k
2022: €135k
2023: €139k
2024: €151k
2022 → 2025
Net result
€16k▲ 34.5%
2024 · €12k
2022: €11k
2023: €4k
2024: €12k
2022 → 2025
Total assets
€311k▼ 37.4%
2024 · €497k
2022: €481k
2023: €487k
2024: €497k
2022 → 2025
Solvency
53.9%▲ 23.4pp
2024 · 30.5%
2022: 28.1%
2023: 28.6%
2024: 30.5%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€135k-€139k▲ 3.1%€151k▲ 8.7%€168k▲ 10.7%
Operating result€-92-€-4k▼ 4,419%€5k€15k▲ 198%
Net result€11k-€4k▼ 60.8%€12k▲ 187%€16k▲ 34.5%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 198% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €311k
Fixed assets
€51k▼ 3.2%
Current assets
€260k▼ 41.5%
Equity and liabilities €311k
Equity
€168k▲ 10.7%
Provisions
€30k=
Debt
€113k▼ 64.0%
The debt ratio falls from 63.5% to 36.5%: equity grows while debt is paid down.
Key figures and ratios
Solvency
53.9%▲
2024 · 30.5%
ROE
9.7%▲
2024 · 8.0%
ROA
5.2%▲
2024 · 2.4%
Debt
€113k▼
2024 · €315k
Debt ≤ 1 year
€109k▼
2024 · €304k
Debt > 1 year
€5k▼
2024 · €11k
Income taxes
€6k▲
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Total assets
20/58€497k€311k▼
Fixed assets
21/28€53k€51k▼
Tangible fixed assets
22/27€52k€51k▼
Financial fixed assets
28€836€836=
Current assets
29/58€443k€260k▼
Stocks & contracts in progress
3€3k-
Amounts receivable within one year
40/41€438k€258k▼
Cash & bank
54/58€2k€925▼
Total equity & liabilities
10/49€497k€311k▼
Equity
10/15€151k€168k▲
Contributions / capital
10/11€62k€62k=
Reserves
13€16k€16k=
Accumulated profits (losses)
14€73k€89k▲
Provisions & deferred taxes
16€30k€30k=
Amounts payable
17/49€315k€113k▼
Amounts payable after one year
17€11k€5k▼
Amounts payable within one year
42/48€304k€109k▼
Trade debts payable within one year
44€134k€4k▼
Income statement
Code20242025
Gross operating margin
9900€10k€18k▲
Operating result
9901€5k€15k▲
Financial income
75€18k€12k▼
Financial charges
65€6k€5k▼
Result before taxes
9903€17k€22k▲
Income taxes
67/77€5k€6k▲
Net result for the period
9904€12k€16k▲
Result to be appropriated
9905€12k€16k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2022net €16k ▲34.5%
Operating result €15k, net result €16k, both a record.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €150kEq €151k ▲8.7%
3 profitable years in a row build equity to €151k.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 28 days late
12-01
State Gazette act
Director changes
Michel JACQUET
2023
31-12
Financial
Weakest financial yearnet €4k ▼60.8%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 56 days late
2018
23-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 54 days late
2017
01-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 1 day late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
JOCHEMS JAN
BE 0885.900.307
Rijkevorsel · Eq €168k
IMMO XL
BE 0643.458.111
Enghien · Eq €168k
BALENKO
BE 0630.877.706
Roeselare · Eq €168k
MRaes Consulting
BE 0765.928.925
Gent · Eq €168k
Guidoc
BE 0443.919.708
Gent · Eq €168k
Of 24,686 companies in sector 64210 we hold annual accounts for 19,489. 13,247 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-08-1996
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
65234
46150Agents in the wholesale of furniture, household goods and hardware
47400Retail sale of information and communication equipment
47410Retail trade
47551Retail sale of household furniture
47591Retail trade
65231
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 18-07-2026. Scores and ratios are computed by Checked and are not a credit decision.