Checked.be
Active
BE 0741.999.322Private limited company
CAD GROUP
Processieweg 50 ·3560 Lummen, Belgium· 6 yrs active
Sector: Construction of buildings
(41001)
Conclusion
The file of CAD GROUP contains 2 historical bankruptcy publications, as published in the Belgian State Gazette. The computed 12-month bankruptcy probability is 4.4% (elevated). The 2022 annual accounts show equity of €29k and a net result of €-24k. Its solvency ranks better than 22% of 307 sector peers (fiscal year 2022).
Based on the State Gazette, CBE and 2 annual accounts.
Key figures
| Equity | €29k |
| Net result | €-24k |
| Better than sector | 22% |
| Active | 6 yrs |
Snowflake analysis
34
/ 100
Fragile profile — watch profitability in particular.
Health
27
Profitability
0
Solvency
25
Growth
32
Stability
85
Bankruptcy probability (12 mo)
4.4%
Elevated
0%0,5%1,5%4%10%≥25%
Annual accounts: weaker financial profile
+Young company
+Higher-failure-rate sector
+
Statistical estimate based on public sources — not credit advice nor a finding of fact. How do we compute this?
Risk Assessment
20 / 100
Moderate riskComponents
· 2 historical bankruptcy publications (+20)
Trust signals
Prior bankruptcy
Earlier bankruptcy on record in the Belgian State Gazette — no current open procedure.
Administrative Flags
No administrative flags
Health barometer
27
/ 100
Weak
Unlock the full score breakdown, per-year score history and the indicative credit limit from Starter.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative — not credit advice.
Financial overview
Annual accounts filed on 22-10-2023 with the NBB · fiscal year 2022 · micro
Sector comparison
Fiscal year 2022 · NACE 41 — Construction of buildings · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 10.3% | 33.8% | |
| Net result | €-24k | €12k | |
| Equity | €29k | €18k | |
| Gross operating margin | €2k | €23k | |
| Total assets | €287k | €63k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€494
-99.6%
21–22
€-24k
—
21–22
€-2k
—
21–22
€287k
-10.5%
21–22
€29k
-45.0%
21–22
€34k
-24.1%
21–22
€10k
—
21–22
€171
-99.1%
21–22
€257k
-3.5%
21–22
€107k
-0.6%
21–22
€149k
-6.5%
21–22
1.32
-6.9%
21–22
1.32
-6.9%
21–22
10.3%
-38.6%
21–22
8.73
+75.5%
21–22
-81.9%
—
21–22
-8.4%
—
21–22
0.22
-98.9%
21–22
Figures by fiscal year
| Fiscal year | 2022 |
|---|---|
| Revenue | — |
| EBITDA | €494 |
| Net profit | €-24k |
| Cash flow | €-2k |
| Staff costs | — |
| Income taxes | €171 |
| Dividends | — |
| Total assets | €287k |
| Equity | €29k |
| Debt | €257k |
| of which ≤ 1y | €107k |
| of which > 1y | €149k |
| Working capital | €34k |
| Employees (FTE) | — |
Ratios (computed)
| 2022 | |
|---|---|
| Current ratio | 1.32 |
| Quick ratio | 1.32 |
| Working capital ratio | 11.8% |
| Solvency | 10.3% |
| Debt / equity | 8.73 |
| Long-term debt ratio | 5.06 |
| Interest coverage | 0.22 |
| Gross margin | — |
| Net margin | — |
| ROA | -8.4% |
| ROE | -81.9% |
| EBITDA margin | — |
| Days sales outstanding | — |
| Days payable outstanding | — |
| Inventory turnover | — |
| Days inventory (DSI) | — |
Balance-sheet composition 2022
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2022 |
|---|---|---|
| Balance sheet — Assets | ||
| TOTAL ASSETS | 20/58 | €287k |
| Fixed assets | 21/28 | €146k |
| Formation expenses | 20 | €476 |
| Intangible fixed assets | 21 | €139k |
| Tangible fixed assets | 22/27 | €5k |
| Financial fixed assets | 28 | €1k |
| Current assets | 29/58 | €141k |
| Amounts receivable within one year | 40/41 | €94k |
| Cash & bank | 54/58 | €6k |
| Balance sheet — Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €287k |
| Equity | 10/15 | €29k |
| Contributions / capital | 10/11 | €3k |
| Accumulated profits (losses) | 14 | €26k |
| Amounts payable | 17/49 | €257k |
| Amounts payable after one year | 17 | €149k |
| Amounts payable within one year | 42/48 | €107k |
| Trade debts payable within one year | 44 | €31k |
| Income statement | ||
| Gross operating margin | 9900 | €2k |
| Operating result | 9901 | €-22k |
| Financial income | 75 | €10 |
| Financial charges | 65 | €2k |
| Result before taxes | 9903 | €-24k |
| Income taxes | 67/77 | €171 |
| Net result for the period | 9904 | €-24k |
| Result to be appropriated | 9905 | €-24k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
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Ratios computed by Checked.
Directors & mandates
| Role | Name | Tenure | Source |
|---|---|---|---|
| Curator | CATHERINE NOELMANS MOERENSTRAAT 33,
3700 TONGEREN |
03-07-2024 → present | Belgian State Gazette |
| Curator | CECILE NOELMANS Moerenstraat 33, 3700 TONGEREN- |
03-07-2024 → present | Belgian State Gazette |
Legal Structure
| NACE primary | Construction of buildings(41001) |
| Legal form | Private limited company(610) |
| Incorporation | 24-01-2020 |
| Status | Active |
| Postal code | 3560 |
| First BS signal | 10-07-2024 |
| Latest BS signal | 01-06-2026 |
Company structure — linked entities
Mandates
↔
2
of these mandate-holders are active on other cases — click any red card to open that KBO.
Real-estate footprint
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates — not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71038D0021/00A000 | Flanders | 1,052 m² | 1 · 139 m² | 9.9 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data — this is not proof of ownership.
Updates
A single timeline of everything that happened to this company — publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
2026
01-06-2026
Bankruptcy
Bankruptcy closure (by liquidation)
2024
10-07-2024
Bankruptcy
Opening
2023
22-10-2023
NBB filing
Annual accounts filed
24-05-2023
NBB filing
Annual accounts filed
Lifecycle & Insolvency Signals
01-06-2026
Bankruptcy
Bankruptcy closure (by liquidation)
10-07-2024
Bankruptcy
Opening
Time machine — BS events + macro context
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023–2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Credit advice
AI due-diligence brief
Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
Coming soon
AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE)
Activities
Algemene bouw van residentiële gebouwen41001Algemene bouw van residentiële gebouwen41201
Primary activity highlighted.
Names & trade names
| Legal nameNL | CAD GROUP |
Registered office
Processieweg 50
3560 Lummen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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