Equity
€917,640 ▲ 15.6%
CBA CONSTRUCT has made a profit without a break since 2018.
CBA CONSTRUCT
Lifetime
20 annual accounts with figures on one time axispeak €462,009 (2024)
€401,354▼ 13.1%
lowest -€20,789 (2008)
€123,707▼ 1.2%
peak €917,640 (2025)
€917,640▲ 15.6%
€297,832▼ 3.9%
peak 4 FTE (2020)
2 FTE▼ 28.6%
Board2 names since 2021
2 directorsMuller Claudia and 1 other
Documentsfilings and deeds
31-08-202631 days late
2025abbreviated format
Gross margin from €462,009 to €401,354Staff from 2.8 FTE to 2 FTEEquity from €793,932 to €917,640Investments €130,508
Key points
from the 2025 annual accountsInvestments
€130,508 3.0 × depreciation
Green is investment, beige is depreciation. Machinery stands 47.3% higher than in 2024.
Filings
20 annual accounts since 2006
Ten of the last ten came late. The 2019 accounts came latest: 41 days after the end of the period.
Checked score
97
Excellent
Financially stronger than 77% of micro companies in specialised construction (NACE 43)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.1%▼ -0.1 percentage points vs 04-2025
06-2025: 0.2%▲ +0.1 percentage points vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.3%▲ +0.1 percentage points vs 07-2025highest value
09-2025: 0.1%▼ -0.2 percentage points vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.2%▲ +0.1 percentage points vs 07-2026
09-2026: 0.1%▼ -0.1 percentage points vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 31 days late; 2 of the last 3 accounts late
lowers risk
Liquidity: current ratio 3.30, cash €467,602
Equity €917,640 (75.5% of total assets)
Founded in 2006
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 90% of them on solvency, 93% on liquidity, 62% on profitability and 63% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 31,368 companies had the same profile as CBA CONSTRUCT has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of CBA CONSTRUCT itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 31,368 companies, not a prediction for CBA CONSTRUCT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €85,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.3 (4.04 in 2024), above the usual 1.5. Short-term debt is 13.4% and cash 38.5% of total assets. 24.5% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 31 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
31 days late
2024
31 days late
2023
30 days late
2022
31 days late
2021
31 days late
2020
31 days late
2019
41 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 32 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0884105807
Reappointments: Muller Claudia (director) and MULLER Yvan (director)
Director discharge: Muller Claudia (manager) · Director discharge: MULLER Yvan (manager) · General meeting of 26-10-2023 · Gazette deed
First establishment
Rue de Maestricht 102 D, Visé
Incorporation
published on 18-10-2006 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CBA CONSTRUCT Visé | €1.2m | €401,354 | 75.5% | 2 |
| ATELIER RIGOLE Ledegem | €1.3m | €413,702 | 70.8% | 2 |
| STRAETMANS D. Roosdaal | €1.3m | €460,077 | 75.4% | 2.3 |
| A&S Dakwerken Sint-Pieters-Leeuw | €0.9m | €357,664 | 44.4% | 2 |
| FRéBO-DAKBEDRIJF Bruges | €1.0m | €305,782 | 41.6% | 2.3 |
| MAHY C. Toitures Manhay | €1.2m | €361,763 | 49.1% | 2.6 |
| TOITURE LAURENT Lasne | €1.1m | €385,294 | 96.1% | 2 |
These companies have the same main activity as CBA CONSTRUCT: roofing work (NACE 43410). They are comparable in size and age: total assets between €947,000 and €1.3m, founded between 1997 and 2011.
Official details
Source: KBO- Status
- Active since 09-10-2006Normal situation
- Registered office
- 15 active companies are registered at this address1 started in the 12 months before. Source: KBO register, as of 10 November 2026.
- Activity
- Roofing workNACE 43410
- Establishment unit
- 2.160.284.7234600 Visé, since 23-10-2006
- Financial year end
- 31 December
- Peppol
- Reachable since 07-08-2025
Annual accounts 2025
- ≈ €1.1mestimated
- €1.2m▲ 10.1%
- Employeeson 31-12-2025
- 2=
- Filing
- Filed on 31-08-2026
Insights on CBA CONSTRUCT
CBA CONSTRUCT files the abbreviated format. That format states no turnover. The gross margin rose from -€1,280 in 2006 to €401,354 in 2025.
The balance sheet grew most from 2010 to 2012 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CBA CONSTRUCT
- What is the company number of CBA CONSTRUCT?
- The company number of CBA CONSTRUCT is 0884.105.807. The VAT number is the same number with BE in front: BE 0884.105.807.
- Where is CBA CONSTRUCT based?
- The registered office is at Rue de Maestricht 102, 4600 Visé.Company details
- What does CBA CONSTRUCT do?
- According to the KBO register, the main activity is roofing work (NACE 43410).
- What is the legal form of CBA CONSTRUCT?
- CBA CONSTRUCT is a private limited company (BV).
- When was CBA CONSTRUCT founded?
- CBA CONSTRUCT was founded on 09-10-2006.
- Is CBA CONSTRUCT still active?
- Yes, CBA CONSTRUCT is an active enterprise in the KBO register.
- How many employees does CBA CONSTRUCT have?
- CBA CONSTRUCT had an average of 2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of CBA CONSTRUCT?
- The turnover in financial year 2025 is ≈ €1.1m. This figure is estimated from the gross margin of €401,354 and 145 comparable companies (NACE 43). It probably lies between €860,000 and €1.5m.
- Is CBA CONSTRUCT profitable?
- In financial year 2025, CBA CONSTRUCT made a profit of €123,707.
- Where can I find the annual accounts of CBA CONSTRUCT?
- CBA CONSTRUCT filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CBA CONSTRUCT due?
- CBA CONSTRUCT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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