C&N
ActiveC&N has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €31k and a net result of €2k. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 88% of 908 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-18
Solvency100▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 6.79 against 3.28 in 2024; short-term debt: 13.2% and cash: 85.4% of total assets), and 14% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Sector 77
higher
← fewer bankruptcies
more bankruptcies →
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
86%
Return on assets
6.6%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-05-2026, 65 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
65 d early
2024
31 d late
2023
1 d early
2022
29 d late
2021
26 d late
2020
31 d late
2019
91 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€66k
EBIT margin
-25.9%
Net result
€2k▼ 70.9%
2024 · €8k
2018: €-19k
2019: €2k
2020: €-6k
2021: €2k
2022: €3k
2023: €965
2024: €8k
2018 → 2025
Working capital
€28k▲ 11.3%
2024 · €25k
2018: €5k
2019: €4k
2020: €3k
2021: €6k
2022: €12k
2023: €15k
2024: €25k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€17k-€20k▲ 14.5%€21k▲ 4.9%€29k▲ 40.4%€31k▲ 8.4%
Operating result€3k-€3k▲ 28.6%€3k▼ 17.2%€13k▲ 366%€4k▼ 70.9%
Net result€2k-€3k▲ 58.7%€965▼ 61.4%€8k▲ 766%€2k▼ 70.9%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 71% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €37k
Fixed assets
€4k▼ 2.5%
Current assets
€33k▼ 9.3%
Equity and liabilities €37k
Equity
€31k▲ 8.4%
Debt
€5k▼ 53.4%
The debt ratio falls from 27.5% to 14.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€5k▼
2024 · €14k
Cash flow
€4k▼
2024 · €10k
Solvency
86.0%▲
2024 · 72.5%
Current ratio
6.79▲
2024 · 3.28
Quick ratio
6.79▲
2024 · 3.28
Debt / equity
0.16▼
2024 · 0.38
ROE
7.7%▼
2024 · 28.8%
ROA
6.6%▼
2024 · 20.9%
Interest coverage
21.65▼
2024 · 26.06
Debt
€5k▼
2024 · €11k
Debt ≤ 1 year
€5k▼
2024 · €11k
Income taxes
€1k▼
2024 · €4k
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
Assets
Total assets20/58€40k€37k▼
Fixed assets21/28€4k€4k▼
Tangible fixed assets22/27€4k€4k▼
Land and buildings22€1k€758▼
Plant, machinery and equipment23€878€658▼
Furniture and vehicles24€958€1k▲
Other tangible fixed assets26€1k€860▼
Financial fixed assets28€59€59=
Current assets29/58€36k€33k▼
Amounts receivable within one year40/41€4k€1k▼
Trade receivables40€4k€0▼
Other amounts receivable41-€1k
Cash at bank and in hand54/58€32k€31k▼
Deferred charges and accrued income490/1€47€174▲
Equity and liabilities
Total equity and liabilities10/49€40k€37k▼
Equity10/15€29k€31k▲
Contributions10/11€19k€19k=
Reserves13€16k€16k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€14k€14k=
Profit (loss) carried forward14€-5k€-3k▲
Amounts payable17/49€11k€5k▼
Amounts payable within one year42/48€11k€5k▼
Trade debts44€4k€470▼
Suppliers440/4€4k€470▼
Taxes, remuneration and social security45€6k€4k▼
Taxes450/3€6k€4k▼
Other amounts payable47/48€517€0▼
Accrued charges and deferred income492/3-€309
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Other operating charges640/8€696€606▼
Gross operating margin9900€15k€6k▼
Operating profit (loss)9901€13k€4k▼
Financial income75/76B-€4
Recurring financial income75-€4
Financial charges65/66B€554€228▼
Recurring financial charges65€554€228▼
Profit (loss) for the period before taxes9903€12k€4k▼
Income taxes67/77€4k€1k▼
Profit (loss) for the period9904€8k€2k▼
Profit (loss) for the period to be appropriated9905€8k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€-3k▲
Profit (loss) brought forward from the previous period14P€-14k€-5k▲
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (11 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
27-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Liquidity doublescurrent ratio 6.79
Current ratio from 3.28 to 6.79; short-term debt falls from €11k to €5k.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Highest result since 2018net €8k ▲766%
Operating result €13k, net result €8k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 29 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 91 days late
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
10-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
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, Mons · 1 establishment unit since 1997
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 Bois d'Havré 37000 MonsGround area
1,308 m²
Building footprint
182 m²
Volume, LiDAR
773 m³
Parcel 53404B0422/00K005, Wallonia · tallest building 7.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Rue du Bois d'Havré 3, 7000 Mons
since 19972.084.171.791
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53404B0422/00K005 | Wallonia | 1,308 m² | 1 · 182 m² | 7.7 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.
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Of 882 companies in sector 77229 we hold annual accounts for 320. 215 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-09-1997
Fiscal year end31-12
Activities, NACEBEL
71402
77220Rental and leasing activities
77229Renting and leasing of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:nathalie.champagne@skynet.be