C&T Services
ActiveSummary
C&T Services has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €564k and a net result of €26k. Equity is shrinking by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 86% of 4157 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▲+7
Solvency99▲+29
Growth54▲+2
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity short (current ratio 0.65 against 0.31 in 2024; short-term debt: 21.6% and cash: 1.6% of total assets), and 25.6% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
74.4%
Return on assets
3.4%
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
1 d early
2023
9 d early
2022
18 d early
2021
24 d early
2020
24 d early
2019
22 d early
← 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, full schema
Turnover
€623k▼ 7.2%
2024 · €671k
2023: €741k
2024: €671k
2023 → 2025
EBIT margin
3.9%▲ 4.1pp
2024 · -0.2%
2023: 24.1%
2024: -0.2%
2023 → 2025
Net result
€26k▼ 40.3%
2024 · €43k
2018: €13k
2019: €836k
2020: €-61k
2021: €-88k
2022: €16k
2023: €170k
2024: €43k
2018 → 2025
Working capital
€-58k▲ 87.1%
2024 · €-448k
2018: €113k
2019: €733k
2020: €702k
2021: €589k
2022: €649k
2023: €30k
2024: €-448k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€741k€671k▼ 9.4%€623k▼ 7.2%
Equity€697k-€713k▲ 2.4%€884k▲ 23.9%€538k▼ 39.1%€564k▲ 4.8%
Operating result€-89k-€2k€178k▲ 7,116%€-2k€24k
Net result€-88k-€16k€170k▲ 938%€43k▼ 74.5%€26k▼ 40.3%
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €24k after a loss of €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €758k
Fixed assets
€652k ▼ 33.9%
Current assets
€106k ▼ 46.9%
Equity and liabilities €758k
Equity
€564k ▲ 4.8%
Debt
€194k ▼ 70.0%
Debt's share of the balance-sheet total falls from 54.6% to 25.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€46k▲
2024 · €11k
Cash flow
€48k▼
2024 · €57k
Current ratio
0.65▲
2024 · 0.31
Quick ratio
0.58▲
2024 · 0.29
Debt to equity
0.34▼
2024 · 1.20
ROE
4.6%▼
2024 · 8.1%
ROA
3.4%▼
2024 · 3.7%
Interest coverage
38.13▼
2024 · 835.59
Debt ≤ 1 year
€163k▼
2024 · €647k
Debt > 1 year
€31k
Income taxes
€25k
Staff costs
€125k▲
2024 · €97k
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 · 63 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.19M€758k▼
Fixed assets21/28€986k€652k▼
Tangible fixed assets22/27€96k€135k▲
Land and buildings22€34k€49k▲
Plant, machinery and equipment23€62k€86k▲
Furniture and vehicles24€5€924▲
Financial fixed assets28€890k€517k▼
Current assets29/58€199k€106k▼
Stocks and contracts in progress3€13k€10k▼
Stocks30/36€13k€10k▼
Amounts receivable within one year40/41€159k€82k▼
Trade receivables40€77k€53k▼
Other amounts receivable41€82k€28k▼
Cash at bank and in hand54/58€26k€12k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.19M€758k▼
Equity10/15€538k€564k▲
Contributions10/11€29k€29k=
Capital10€29k€29k=
Issued capital100€62k€62k=
Uncalled capital101€32k€32k=
Reserves13€95k€96k▲
Non-distributable reserves130/1€6k€7k▲
Legal reserve130€4k€5k▲
Other1319€2k€2k=
Distributable reserves133€89k€89k=
Profit (loss) carried forward14€414k€438k▲
Amounts payable17/49€647k€194k▼
Amounts payable after more than one year17-€31k
Other amounts payable178/9-€31k
Amounts payable within one year42/48€647k€163k▼
Trade debts44€193k€130k▼
Suppliers440/4€193k€130k▼
Taxes, remuneration and social security45€54k€32k▼
Taxes450/3€48k€23k▼
Remuneration and social security454/9€7k€9k▲
Other amounts payable47/48€400k€940▼
Accrued charges and deferred income492/3-€12
Income statement
Code20242025
Turnover70€671k€623k▼
Non-recurring operating income76A-€14k
Goods, raw materials, services and sundry goods60/61€522k€460k▼
Remuneration, social security and pensions62€97k€125k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€22k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€-2k
Other operating charges640/8€20k€15k▼
Non-recurring operating charges66A€26k-
Gross operating margin9900€155k€183k▲
Operating profit (loss)9901€-2k€24k▲
Financial income75/76B€45k€28k▼
Recurring financial income75€45k€28k▼
Financial charges65/66B€14€1k▲
Recurring financial charges65€14€1k▲
Profit (loss) for the period before taxes9903€43k€51k▲
Income taxes67/77-€25k
Profit (loss) for the period9904€43k€26k▼
Profit (loss) for the period to be appropriated9905€43k€26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€816k€439k▼
Profit (loss) brought forward from the previous period14P€772k€414k▼
Transfer to equity691/2€2k€1k▼
To the legal reserve6920€2k€1k▼
Profit to be distributed694/7€400k-
Return on contributions (dividend)694€400k-
Social balance
Average headcount (FTE)90872.02.3▲
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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €16k
Net result €16k after 2 loss-making years.
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Weakest financial yearnet €-88k
Net result drops to €-88k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 6.45
Current ratio from 2.58 to 6.45; short-term debt falls from €444k to €108k.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Highest result since 2018net €836k ▲6311%
Operating result €1.24M, net result €836k, both a record.
31-12
Financial
Equity above €500kEq €846k ▲8356%
2 profitable years in a row build equity to €846k.
Show earlier events
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
11 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, Liège · 3 establishment units since 1996
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 Léon-Frédéricq 144020 LiègeGround area
2.3 ha
Building footprint
1,494 m²
Volume, LiDAR
4,882 m³
4 parcels, Flanders, Wallonia · tallest building 14.2 m, ±3 floors. Linked by address, not a title deed.
3 establishment units
Garage Lecarte
since 19962.074.670.147
CAR & TRUCK WASH BRUCARGO
since 20192.283.825.804
CAR WASH ABD
since 20192.283.828.178
4 parcels
Flanders
2
(50%)
Wallonia
2
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23094A0072/00K000 | Flanders | 8,564 m² | - | - |
| 83002A1129/00B000 | Wallonia | 7,708 m² | 1 · 846 m² | - |
| 23051A0072/00L000 | Flanders | 5,176 m² | 1 · 261 m² | 4.0 m · 1 fl. |
| 62817C0019/00X005 | Wallonia | 1,335 m² | 1 · 388 m² | 14.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 parcels 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
GARAGE STURBOIS
BE 0441.799.366
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GARAGE P. VAN DOORSSELAERE
BE 0874.878.731
Zele · Eq €565,190
DE REGENBOOG
BE 0465.977.607
Deinze · Eq €562,451
RENAULT MOTORS BRAINE
BE 0420.636.243
Braine-le-Château · Eq €565,322
Dua
BE 0413.983.726
Wijnegem · Eq €562,254
Of 10,671 companies in sector 47811 we hold annual accounts for 5,222. 3,382 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 formPublic limited company
Founded20-12-1995
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95316Washing and cleaning of motor vehicles
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47300Retail sale of automotive fuel
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.