CABEST
ActiveCABEST has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.61M and a net result of €668k. Equity is growing by ~5% per year across the filed fiscal years. Its solvency ranks better than 60% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+75
Solvency68▲+12
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity ample (current ratio 55.46 against 3.28 in 2024; short-term debt: 1.3% and cash: 0.7% of total assets), but 56.6% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
43.4%
Return on assets
18%
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
7 d early
2023
62 d early
2022
80 d early
2021
75 d early
2020
14 d early
2019
88 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.61M▲ 70.7%
2024 · €945k
2018: €862k
2019: €869k
2020: €838k
2021: €1.05M
2022: €1.03M
2023: €1.07M
2024: €945k
2018 → 2025
Total assets
€3.72M▲ 22.3%
2024 · €3.04M
2018: €1.90M
2019: €1.93M
2020: €2.55M
2021: €2.81M
2022: €3.13M
2023: €3.08M
2024: €3.04M
2018 → 2025
Net result
€668k
2024 · €-129k
2018: €11k
2019: €7k
2020: €-31k
2021: €210k
2022: €-18k
2023: €44k
2024: €-129k
2018 → 2025
Working capital
€2.62M▲ 251%
2024 · €748k
2018: €86k
2019: €4k
2020: €762k
2021: €1.09M
2022: €719k
2023: €737k
2024: €748k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.05M-€1.03M▼ 1.7%€1.07M▲ 4.3%€945k▼ 12.0%€1.61M▲ 70.7%
Operating result€15k-€-44k€11k€-27k€951k
Net result€210k-€-18k€44k€-129k€668k
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 returns to profit in 2025: €951k after a loss of €27k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.72M
Fixed assets
€1.05M▼ 46.7%
Current assets
€2.67M▲ 148%
Equity and liabilities €3.72M
Equity
€1.61M▲ 70.7%
Provisions
€300k▲ 152%
Debt
€1.80M▼ 8.7%
The debt ratio falls from 65.0% to 48.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€971k▲
2024 · €29k
Cash flow
€689k▲
2024 · €-73k
Solvency
43.4%▲
2024 · 31.1%
Current ratio
55.46▲
2024 · 3.28
Quick ratio
55.46▲
2024 · 3.28
Debt / equity
1.12▼
2024 · 2.09
ROE
41.4%▲
2024 · -13.7%
ROA
18.0%▲
2024 · -4.3%
Interest coverage
8.62▲
2024 · 0.25
Debt
€1.80M▼
2024 · €1.98M
Debt ≤ 1 year
€48k▼
2024 · €328k
Debt > 1 year
€1.53M=
2024 · €1.53M
Income taxes
€11k▲
2024 · €477
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€3.04M€3.72M▲
Fixed assets21/28€1.96M€1.05M▼
Tangible fixed assets22/27€1.96M€1.05M▼
Land and buildings22€1.91M€1.03M▼
Plant, machinery and equipment23€45k€13k▼
Furniture and vehicles24€10k€2k▼
Current assets29/58€1.08M€2.67M▲
Amounts receivable after more than one year29€496k€496k=
Other amounts receivable291€496k€496k=
Amounts receivable within one year40/41€13k€15k▲
Trade receivables40-€784
Other amounts receivable41€13k€14k▲
Current investments50/53€500k€2.13M▲
Cash at bank and in hand54/58€64k€25k▼
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€3.04M€3.72M▲
Equity10/15€945k€1.61M▲
Contributions10/11€510k€510k=
Capital10€510k€510k=
Issued capital100€510k€510k=
Reserves13€435k€1.10M▲
Non-distributable reserves130/1€51k€51k=
Legal reserve130€51k€51k=
Tax-exempt reserves132€376k€898k▲
Distributable reserves133€8k€154k▲
Provisions and deferred taxes16€119k€300k▲
Deferred taxes168€119k€300k▲
Amounts payable17/49€1.98M€1.80M▼
Amounts payable after more than one year17€1.53M€1.53M=
Other amounts payable178/9€1.53M€1.53M=
Amounts payable within one year42/48€328k€48k▼
Current portion of amounts payable after more than one year42€320k€0▼
Trade debts44€4k€47k▲
Suppliers440/4€4k€47k▲
Taxes, remuneration and social security45€3k€833▼
Taxes450/3€3k€833▼
Accrued charges and deferred income492/3€117k€226k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56k€20k▼
Other operating charges640/8€11k€9k▼
Gross operating margin9900€41k€980k▲
Operating profit (loss)9901€-27k€951k▲
Financial income75/76B€10k€22k▲
Recurring financial income75€10k€22k▲
Financial charges65/66B€117k€113k▼
Recurring financial charges65€117k€113k▼
Profit (loss) for the period before taxes9903€-134k€860k▲
Transfer from deferred taxes780€5k€63k▲
Transfer to deferred taxes680-€244k
Income taxes67/77€477€11k▲
Profit (loss) for the period9904€-129k€668k▲
Transfer from tax-exempt reserves789€17k€209k▲
Transfer to tax-exempt reserves689-€731k
Profit (loss) for the period to be appropriated9905€-112k€146k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-112k€146k▲
Transfer from equity791/2€112k€0▼
Transfer to equity691/2€0€146k▲
To other reserves6921€0€146k▲
The notes to these accounts (6 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
04-08
State Gazette act
Resignations & appointmentsGeneral meeting · Director resignation · Director appointment11 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director resignation · Director appointment11 facts ▸
- General meeting, 01/07/2025
- Director resignation, Rony Rossel (niet-statutaire bestuurder)
- Director appointment, BV Neomis (niet-statutaire bestuurder)
- Mandate compensation, BV Neomis
- Permanent representative, Caroline Rossel
- Board meeting, 01/07/2025
- Director appointment, Rony Rossel (persoon belast met dagelijks bestuur)
- Mandate compensation, Rony Rossel
- Director appointment, Godelieve Claeys (persoon belast met dagelijks bestuur)
- Mandate compensation, Godelieve Claeys
- Power of attorney, BV TRIACCOUNT- Accountants & Belastingconsulenten
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €668k
Net result €668k after one loss-making year.
31-12
Financial
Liquidity times 17current ratio 55.46
Current ratio from 3.28 to 55.46; short-term debt falls from €328k to €48k.
31-12
Financial
Equity above €1MEq €1.61M ▲70.7%
Equity rises from €945k to €1.61M.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-129k ▼395%
Net result drops to €-129k, the lowest in the series; recovery starts the following year.
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €44k
Net result €44k after one loss-making year.
12-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
17-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €210k
Net result €210k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 223.62
Current ratio from 53.45 to 223.62; short-term debt falls from €15k to €5k.
31-12
Financial
Equity above €1MEq €1.05M ▲25.1%
Equity rises from €838k to €1.05M.
17-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Liquidity times 52current ratio 53.45
Current ratio from 1.04 to 53.45; short-term debt falls from €114k to €15k.
04-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
07-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2025
This board is reconstructed from a single act (26099611). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
BV Neomis
CurrentNon-statutory director · since 01-07-2025 · Legal entity · perm. rep.: Caroline Rossel
Godelieve Claeys
CurrentPersoon belast met dagelijks bestuur · since 01-07-2025
Rony Rossel
CurrentPersoon belast met dagelijks bestuur · since 01-07-2025
01-07-2025
BV Neomis: Appointed as Non-statutory director
01-07-2025
Godelieve Claeys: Appointed as Persoon belast met dagelijks bestuur
01-07-2025
Rony Rossel: Resigned as Non-statutory director
01-07-2025
Rony Rossel: Appointed as Persoon belast met dagelijks bestuur
Location & real-estate footprint
Registered office, Brugge · 1 establishment unit since 2003
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.
Baron Joseph Ryelandtstraat 28000 BruggeGround area
790 m²
Building footprint
235 m²
Volume, LiDAR
1,298 m³
Parcel 31808M0522/00K000, Flanders · tallest building 11.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Baron Joseph Ryelandtstraat 2, 8000 Brugge
since 20032.114.769.650
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31808M0522/00K000 | Flanders | 790 m² | 1 · 235 m² | 11.1 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
894500B7VGYJEX09SA49
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BLOCKMANS V EN D
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Of 9,140 companies in sector 68201 we hold annual accounts for 6,769. 4,510 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded23-12-2002
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
70201
46110Wholesale trade
51110
71100
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.