CBA SERVICES
ActiveCBA SERVICES has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €70k and a net result of €-17k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 17% of 8584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
12
/ 100
Critical▲ +2 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency9▼-2
Growth22▼-13
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.1 against 0.13 in 2024), and 87.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
12.8%
Return on assets
-3.1%
Age of the figures
11 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€17k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 8584 sector peers (2025).
NBB · sector comparisonPosition among 8584 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
42 d early
2023
33 d early
2022
39 d early
2021
36 d early
2020
23 d early
2019
17 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€40k▲ 110%
2023 · €19k
2022: €157k
2023: €19k
2022 → 2025
EBIT margin
-11.4%▲ 87.9pp
2023 · -99.3%
2022: 8.8%
2023: -99.3%
2022 → 2025
Net result
€-17k▼ 52.9%
2024 · €-11k
2018: €8k
2019: €2k
2020: €11k
2021: €24k
2022: €779
2023: €-24k
2024: €-11k
2018 → 2025
Working capital
€-367k▼ 23.5%
2024 · €-297k
2018: €-3k
2019: €-12k
2020: €3k
2021: €23k
2022: €10k
2023: €-60k
2024: €-297k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€157k€19k▼ 87.9%€40k
Equity€122k-€123k▲ 0.6%€98k▼ 19.9%€87k▼ 11.3%€70k▼ 19.4%
Operating result€62k-€14k▼ 77.6%€-19k€-5k▲ 75.3%€-5k▲ 2.1%
Net result€24k-€779▼ 96.8%€-24k€-11k▲ 54.8%€-17k▼ 52.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2025 against €5k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €547k
Fixed assets
€506k=
Current assets
€41k▼ 10.2%
Equity and liabilities €547k
Equity
€70k▼ 19.4%
Debt
€477k▲ 2.6%
The debt ratio rises from 84.2% to 87.2%: debt grows while equity shrinks.
Key figures and ratios
Solvency
12.8%▼
2024 · 15.8%
Current ratio
0.10▼
2024 · 0.13
Quick ratio
0.10▼
2024 · 0.13
Debt / equity
6.78▲
2024 · 5.33
ROE
-24.1%▼
2024 · -12.7%
ROA
-3.1%▼
2024 · -2.0%
Debt
€477k▲
2024 · €464k
Debt ≤ 1 year
€409k▲
2024 · €343k
Debt > 1 year
€68k▼
2024 · €121k
Income taxes
€6k▲
2024 · €-362
Staff costs
€387▼
2024 · €2k
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€552k€547k▼
Fixed assets21/28€506k€506k=
Intangible fixed assets21€0-
Tangible fixed assets22/27€506k€506k=
Land and buildings22€506k€506k=
Current assets29/58€46k€41k▼
Amounts receivable within one year40/41€448€509▲
Trade receivables40-€509
Other amounts receivable41€448-
Current investments50/53€29k€29k=
Cash at bank and in hand54/58€17k€12k▼
Equity and liabilities
Total equity and liabilities10/49€552k€547k▼
Equity10/15€87k€70k▼
Contributions10/11€55k€55k=
Capital10€55k€55k=
Issued capital100€200k€200k=
Uncalled capital101€145k€145k=
Reserves13€34k€34k=
Tax-exempt reserves132€34k€34k=
Profit (loss) carried forward14€-2k€-19k▼
Amounts payable17/49€464k€477k▲
Amounts payable after more than one year17€121k€68k▼
Financial debts170/4€121k€68k▼
Amounts payable within one year42/48€343k€409k▲
Current portion of amounts payable after more than one year42€231k€53k▼
Trade debts44€28€78▲
Suppliers440/4€28€78▲
Other amounts payable47/48€113k€356k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Turnover70-€40k
Non-recurring operating income76A€53k€0▼
Goods, raw materials, services and sundry goods60/61-€39k
Remuneration, social security and pensions62€2k€387▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k-
Other operating charges640/8€816€6k▲
Non-recurring operating charges66A€10k-
Gross operating margin9900€16k€1k▼
Operating profit (loss)9901€-5k€-5k▲
Financial income75/76B€32€0▼
Recurring financial income75€32€0▼
Financial charges65/66B€7k€7k▲
Recurring financial charges65€7k€7k▲
Profit (loss) for the period before taxes9903€-11k€-11k▲
Income taxes67/77€-362€6k▲
Profit (loss) for the period9904€-11k€-17k▼
Profit (loss) for the period to be appropriated9905€-11k€-17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-19k▼
Profit (loss) brought forward from the previous period14P€9k€-2k▼
The notes to these accounts (9 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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
19-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
28-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Weakest financial yearnet €-24k ▼3242%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
22-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
25-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Highest result since 2018net €24k ▲122%
Operating result €62k, net result €24k, both a record.
30-09
Financial
Equity above €100kEq €122k ▲24.9%
4 profitable years in a row build equity to €122k.
07-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
13-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
22-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
10-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Tervuren · 1 establishment unit since 2004
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.
Molenberglaan 263080 TervurenGround area
6,271 m²
Building footprint
446 m²
Volume, LiDAR
3,068 m³
2 parcels, Flanders · tallest building 12.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CBA Services
since 20042.142.323.093
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22552F0010/00Y036 | Flanders | 3,378 m² | 1 · 191 m² | 9.9 m · 2 fl. |
| 24104C0133/00W002 | Flanders | 2,893 m² | 1 · 255 m² | 12.5 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 39,523 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded26-10-2004
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:marcel.claes@telenet.be