C & M
ActiveSummary
C & M has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €348k and a net result of €11k. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 81% of 11322 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+19
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 3.55 against 4.31 in 2024; short-term debt: 20.3% and cash: 0.8% of total assets), and 20.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
79.7%
Return on assets
2.5%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 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
6 d late
2024
5 d late
2023
56 d late
2022
61 d late
2021
31 d late
2020
59 d late
2019
on the day
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€348k▲ 3.2%
2024 · €338k
2018: €295k
2019: €305k
2020: €241k
2021: €264k
2022: €326k
2023: €335k
2024: €338k
2018 → 2025
Total assets
€437k▲ 9.7%
2024 · €398k
2018: €715k
2019: €719k
2020: €692k
2021: €632k
2022: €657k
2023: €469k
2024: €398k
2018 → 2025
Net result
€11k▲ 352%
2024 · €2k
2018: €5k
2019: €10k
2020: €36k
2021: €23k
2022: €62k
2023: €9k
2024: €2k
2018 → 2025
Working capital
€226k▲ 12.1%
2024 · €202k
2018: €43k
2019: €-17k
2020: €-34k
2021: €-102k
2022: €212k
2023: €196k
2024: €202k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€264k-€326k▲ 23.3%€335k▲ 2.9%€338k▲ 0.7%€348k▲ 3.2%
Operating result€61k-€97k▲ 60.7%€43k▼ 55.8%€16k▼ 62.7%€11k▼ 33.2%
Net result€23k-€62k▲ 162%€9k▼ 84.7%€2k▼ 74.4%€11k▲ 352%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 33% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €437k
Fixed assets
€122k ▼ 10.0%
Current assets
€315k ▲ 19.9%
Equity and liabilities €437k
Equity
€348k ▲ 3.2%
Debt
€89k ▲ 45.7%
Debt's share of the balance-sheet total rises from 15.3% to 20.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€31k▲
2024 · €31k
Cash flow
€32k▲
2024 · €17k
Current ratio
3.55▼
2024 · 4.31
Quick ratio
1.80▼
2024 · 1.83
Debt to equity
0.26▲
2024 · 0.18
ROE
3.1%▲
2024 · 0.7%
ROA
2.5%▲
2024 · 0.6%
Interest coverage
6.28▲
2024 · 3.97
Debt ≤ 1 year
€89k▲
2024 · €61k
Income taxes
€-6k▼
2024 · €5k
Staff costs
€25k▲
2024 · €24k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€398k€437k▲
Fixed assets21/28€136k€122k▼
Tangible fixed assets22/27€136k€122k▼
Land and buildings22€124k€114k▼
Plant, machinery and equipment23€11k€7k▼
Furniture and vehicles24€320€320=
Current assets29/58€263k€315k▲
Stocks and contracts in progress3€151k€155k▲
Stocks30/36€151k€155k▲
Amounts receivable within one year40/41€103k€157k▲
Trade receivables40€99k€157k▲
Other amounts receivable41€4k-
Cash at bank and in hand54/58€9k€4k▼
Equity and liabilities
Total equity and liabilities10/49€398k€437k▲
Equity10/15€338k€348k▲
Contributions10/11€247k€247k=
Profit (loss) carried forward14€91k€101k▲
Amounts payable17/49€61k€89k▲
Amounts payable within one year42/48€61k€89k▲
Financial debts43€19k€28k▲
Credit institutions430/8€19k€28k▲
Trade debts44€29k€47k▲
Suppliers440/4€29k€47k▲
Taxes, remuneration and social security45€11k€14k▲
Taxes450/3-€204
Remuneration and social security454/9€11k€14k▲
Other amounts payable47/48€1k-
Income statement
Code20242025
Remuneration, social security and pensions62€24k€25k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€21k▲
Other operating charges640/8€4k€4k▼
Gross operating margin9900€59k€60k▲
Operating profit (loss)9901€16k€11k▼
Financial charges65/66B€8k€6k▼
Recurring financial charges65€8k€5k▼
Non-recurring financial charges66B€376€961▲
Profit (loss) for the period before taxes9903€8k€5k▼
Income taxes67/77€5k€-6k▼
Profit (loss) for the period9904€2k€11k▲
Profit (loss) for the period to be appropriated9905€2k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€91k€101k▲
Profit (loss) brought forward from the previous period14P€88k€91k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 6 days late
2025
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
2024
31-12
Financial
Weakest financial yearnet €2k ▼74.4%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 56 days late
2023
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 61 days late
2022
31-12
Financial
Highest result since 2018net €62k ▲162%
Operating result €97k, net result €62k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.73
Current ratio from 0.68 to 1.73; short-term debt falls from €320k to €291k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
28-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 59 days late
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 57 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 27 days late
2017
09-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Antwerpen · 1 establishment unit since 2008
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.
Middelmolenlaan 982100 AntwerpenGround area
269 m²
Building footprint
236 m²
Volume, LiDAR
1,059 m³
Parcel 11012A0280/00E003, Flanders · tallest building 8.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
C & M
since 20082.236.655.593
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11012A0280/00E003 | Flanders | 268 m² | 1 · 236 m² | 8.8 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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
BREVER & C°
BE 0418.893.708
Kortenberg · Eq €350,024
R. THYS
BE 0419.149.272
Liège · Eq €350,194
VIEKA
BE 0883.232.312
Brugge · Eq €350,557
SANY BELGIUM FINANCIAL CORPORATION
BE 0896.332.854
Charleroi · Eq €350,989
Van Dyck Specials
BE 0421.340.482
Namur · Eq €344,886
Of 828 companies in sector 46620 we hold annual accounts for 642. 514 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-03-2004
Fiscal year end31-12
Activities, NACEBEL 2025
46620Wholesale of machine tools
47525Retail trade
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.