C.P.L.
ActiveSummary
C.P.L. has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €215k and a net result of €277. Equity is growing by ~19.9% per year across the filed fiscal years. Its solvency ranks better than 63% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability69▼-1
Solvency84▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity tight (current ratio 1.31 against 1.04 in 2024; short-term debt: 24.7% and cash: 24.5% of total assets), and 41.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more 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 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
58.6%
Return on assets
0.1%
Age of the figures
9 mo
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
28 d late
2023
59 d late
2022
65 d late
2021
68 d late
2020
61 d late
2019
95 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€310k
EBIT margin
-0.5%
Net result
€277▼ 94.9%
2024 · €5k
2018: €-4klowest in 8 years
2019: €11k▲ +363% vs 2018
2020: €44k▲ +305% vs 2019
2021: €4k▼ -91.3% vs 2020
2022: €34k▲ +776% vs 2021
2023: €69k▲ +104% vs 2022highest in 8 years
2024: €5k▼ -92.1% vs 2023
2025: €277▼ -94.9% vs 2024
2018 → 2025
Working capital
€28k▲ 602%
2024 · €4k
2018: €62khighest in 8 years
2019: €62k▼ -0.1% vs 2018
2020: €36k▼ -41.7% vs 2019
2021: €10k▼ -71.7% vs 2020
2022: €-10k▼ -200% vs 2021lowest in 8 years
2023: €8k▲ +174% vs 2022
2024: €4k▼ -47.1% vs 2023
2025: €28k▲ +602% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€115k-€145k▲ 26.1%€212k▲ 46.1%€216k▲ 1.7%€215k▼ 0.7%
2021: €115klowest in 5 years
2022: €145k▲ +26.1% vs 2021
2023: €212k▲ +46.1% vs 2022
2024: €216k▲ +1.7% vs 2023highest in 5 years
2025: €215k▼ -0.7% vs 2024
Operating result€9k-€50k▲ 464%€96k▲ 90.8%€12k▼ 87.3%€4k▼ 65.5%
2021: €9k
2022: €50k▲ +464% vs 2021
2023: €96k▲ +90.8% vs 2022highest in 5 years
2024: €12k▼ -87.3% vs 2023
2025: €4k▼ -65.5% vs 2024lowest in 5 years
Net result€4k-€34k▲ 776%€69k▲ 104%€5k▼ 92.1%€277▼ 94.9%
2021: €4k
2022: €34k▲ +776% vs 2021
2023: €69k▲ +104% vs 2022highest in 5 years
2024: €5k▼ -92.1% vs 2023
2025: €277▼ -94.9% vs 2024lowest in 5 years
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 two years in a row; 2025 is 65% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €366k
Fixed assets
€248k ▼ 18.8%
Current assets
€119k ▲ 27.8%
Equity and liabilities €366k
Equity
€215k ▼ 0.7%
Debt
€152k ▼ 16.5%
Debt's share of the balance-sheet total falls from 45.7% to 41.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€61k▼
2024 · €71k
Cash flow
€58k▼
2024 · €64k
Current ratio
1.31▲
2024 · 1.04
Debt to equity
0.71▼
2024 · 0.84
ROE
0.1%▼
2024 · 2.5%
ROA
0.1%▼
2024 · 1.4%
Interest coverage
20.47▲
2024 · 17.51
Debt ≤ 1 year
€91k▲
2024 · €89k
Debt > 1 year
€43k▼
2024 · €93k
Income taxes
€1k▼
2024 · €3k
Staff costs
€49k▲
2024 · €43k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€398k€366k▼
Fixed assets21/28€305k€248k▼
Tangible fixed assets22/27€305k€247k▼
Land and buildings22€5k€4k▼
Plant, machinery and equipment23€66k€57k▼
Furniture and vehicles24€234k€186k▼
Financial fixed assets28€363€363=
Current assets29/58€93k€119k▲
Amounts receivable within one year40/41€58k€23k▼
Trade receivables40€46k€18k▼
Other amounts receivable41€12k€5k▼
Cash at bank and in hand54/58€29k€90k▲
Deferred charges and accrued income490/1€6k€6k▲
Equity and liabilities
Total equity and liabilities10/49€398k€366k▼
Equity10/15€216k€215k▼
Contributions10/11€19k€19k=
Reserves13€197k€196k▼
Distributable reserves133€197k€196k▼
Amounts payable17/49€182k€152k▼
Amounts payable after more than one year17€93k€43k▼
Financial debts170/4€93k€43k▼
Amounts payable within one year42/48€89k€91k▲
Current portion of amounts payable after more than one year42€49k€50k▲
Trade debts44€19k€19k▲
Suppliers440/4€19k€19k▲
Taxes, remuneration and social security45€12k€13k▲
Taxes450/3€7k€13k▲
Remuneration and social security454/9€5k-
Other amounts payable47/48€9k€8k▼
Accrued charges and deferred income492/3€10€18k▲
Income statement
Code20242025
Remuneration, social security and pensions62€43k€49k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€58k€57k▼
Other operating charges640/8€2k€20k▲
Non-recurring operating charges66A€6k-
Gross operating margin9900€122k€131k▲
Operating profit (loss)9901€12k€4k▼
Financial income75/76B€70€145▲
Recurring financial income75€70€145▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€8k€1k▼
Income taxes67/77€3k€1k▼
Profit (loss) for the period9904€5k€277▼
Profit (loss) for the period to be appropriated9905€5k€277▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€277▼
Transfer from equity791/2-€2k
Transfer to equity691/2€4k-
To other reserves6921€4k-
Profit to be distributed694/7€2k€2k=
Return on contributions (dividend)694€2k€2k=
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €2k | €4k | - | - | - |
| Remuneration, social security and pensions62 | €28k | €42k | €47k | €43k | €49k | ▲ 13.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €55k | €53k | €53k | €58k | €57k | ▼ 1.9% |
| Other operating charges640/8 | €2k | €2k | €1k | €2k | €20k | ▲ 857% |
| Non-recurring operating charges66A | €2k | €7k | - | €6k | - | - |
| Gross operating margin9900 | €96k | €154k | €197k | €122k | €131k | ▲ 7.0% |
| Operating profit (loss)9901 | €9k | €50k | €96k | €12k | €4k | ▼ 65.5% |
| Financial income75/76B | €393 | €244 | €1 | €70 | €145 | ▲ 107% |
| Recurring financial income75 | €393 | €244 | €1 | €70 | €145 | ▲ 107% |
| Financial charges65/66B | €4k | €3k | €5k | €4k | €3k | ▼ 25.5% |
| Recurring financial charges65 | €4k | €3k | €5k | €4k | €3k | ▼ 25.5% |
| Profit (loss) for the period before taxes9903 | €5k | €48k | €91k | €8k | €1k | ▼ 83.6% |
| Income taxes67/77 | €2k | €14k | €22k | €3k | €1k | ▼ 61.9% |
| Profit (loss) for the period9904 | €4k | €34k | €69k | €5k | €277 | ▼ 94.9% |
| Profit (loss) for the period to be appropriated9905 | €4k | €34k | €69k | €5k | €277 | ▼ 94.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €372k | €409k | €488k | €398k | €366k | ▼ 7.9% |
| Fixed assets21/28 | €256k | €313k | €347k | €305k | €248k | ▼ 18.8% |
| Tangible fixed assets22/27 | €256k | €313k | €347k | €305k | €247k | ▼ 18.8% |
| Land and buildings22 | €5k | €5k | €5k | €5k | €4k | ▼ 6.1% |
| Plant, machinery and equipment23 | €9k | €7k | €74k | €66k | €57k | ▼ 13.3% |
| Furniture and vehicles24 | €242k | €300k | €268k | €234k | €186k | ▼ 20.6% |
| Financial fixed assets28 | €363 | €363 | €363 | €363 | €363 | = |
| Current assets29/58 | €116k | €96k | €140k | €93k | €119k | ▲ 27.8% |
| Amounts receivable after more than one year29 | €10k | - | - | - | - | - |
| Other amounts receivable291 | €10k | - | - | - | - | - |
| Amounts receivable within one year40/41 | €51k | €24k | €54k | €58k | €23k | ▼ 60.2% |
| Trade receivables40 | €44k | €18k | €41k | €46k | €18k | ▼ 60.3% |
| Other amounts receivable41 | €7k | €5k | €12k | €12k | €5k | ▼ 59.7% |
| Cash at bank and in hand54/58 | €51k | €69k | €78k | €29k | €90k | ▲ 206% |
| Deferred charges and accrued income490/1 | €5k | €4k | €9k | €6k | €6k | ▲ 3.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €372k | €409k | €488k | €398k | €366k | ▼ 7.9% |
| Equity10/15 | €115k | €145k | €212k | €216k | €215k | ▼ 0.7% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Capital10 | €19k | €19k | - | - | - | - |
| Issued capital100 | €19k | €19k | - | - | - | - |
| Reserves13 | €97k | €127k | €194k | €197k | €196k | ▼ 0.8% |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Legal reserve130 | €2k | €2k | - | - | - | - |
| Distributable reserves133 | €95k | €125k | €194k | €197k | €196k | ▼ 0.8% |
| Amounts payable17/49 | €257k | €264k | €275k | €182k | €152k | ▼ 16.5% |
| Amounts payable after more than one year17 | €151k | €146k | €142k | €93k | €43k | ▼ 53.8% |
| Financial debts170/4 | €151k | €146k | €142k | €93k | €43k | ▼ 53.8% |
| Amounts payable within one year42/48 | €106k | €107k | €133k | €89k | €91k | ▲ 2.0% |
| Current portion of amounts payable after more than one year42 | €46k | €53k | €48k | €49k | €50k | ▲ 2.2% |
| Trade debts44 | €32k | €23k | €21k | €19k | €19k | ▲ 0.8% |
| Suppliers440/4 | €32k | €23k | €21k | €19k | €19k | ▲ 0.8% |
| Taxes, remuneration and social security45 | €12k | €23k | €48k | €12k | €13k | ▲ 11.0% |
| Taxes450/3 | €10k | €21k | €42k | €7k | €13k | ▲ 94.8% |
| Remuneration and social security454/9 | €2k | €3k | €5k | €5k | - | - |
| Other amounts payable47/48 | €16k | €7k | €16k | €9k | €8k | ▼ 8.2% |
| Accrued charges and deferred income492/3 | €239 | €11k | €375 | €10 | €18k | ▲ 175,132% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4k | €34k | €69k | €5k | €277 | ▼ 94.9% |
| + Depreciation and write-downs630 | €55k | €53k | €53k | €58k | €57k | ▼ 1.9% |
| Operating cash flow (approximation) | €58k | €86k | €122k | €64k | €58k | ▼ 9.8% |
| Investment in fixed assets (approximation) | - | €-110k | €-88k | €-16k | €0 | ▲ 100% |
| Change in cash | - | €18k | €9k | €-48k | €61k | ▲ 226% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
28-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 59 days late
2023
31-12
Financial
Highest result since 2018net €69k ▲104%
Operating result €96k, net result €69k, both a record.
31-12
Financial
Equity above €200kEq €212k ▲46.1%
5 profitable years in a row build equity to €212k.
04-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 65 days late
2022
07-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 68 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 61 days late
2020
31-12
Financial
Equity above €100kEq €115k ▲55.3%
2 profitable years in a row build equity to €115k.
03-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 95 days late
2019
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
03-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 64 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Pelt · 1 establishment unit since 1995
Ground area
717 m²
Building footprint
120 m²
Volume, LiDAR
579 m³
Parcel 72362C0332/00H000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Klaproosstraat 4, 3910 Pelt
since 19952.070.707.597
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72362C0332/00H000 | Flanders | 717 m² | 1 · 120 m² | 8.2 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 34,881 EUR awarded · 34,881 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 10,281 EUR | 10,281 EUR |
| 2024 | 1 | 12,547 EUR | 12,547 EUR |
| 2023 | 1 | 12,053 EUR | 12,053 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,420. 5,759 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
Founded27-02-1995
Fiscal year end31-12
Activities, NACEBEL 2025
43422Screed work
43990Other specialised construction activities
Scores and ratios are computed by Checked and are not a credit decision.