CBAM engineering
ActiveCBAM engineering has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €233k and a net result of €41k. Equity is shrinking by ~12.8% per year across the filed fiscal years. Its solvency ranks better than 49% of 9380 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
90
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▲+3
Solvency95▼-4
Growth32=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 1.92 against 2.32 in 2024), and 46.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 71
Relative position
BE, all sectors
reference
Sector 71
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
53.8%
Return on assets
9.5%
Age of the figures
8 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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
20 d early
2023
22 d early
2022
7 d early
2021
10 d early
2020
23 d early
2019
15 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€233k▼ 24.3%
2024 · €308k
2018: €628k
2019: €639k
2020: €494k
2021: €428k
2022: €486k
2023: €377k
2024: €308k
2018 → 2025
Total assets
€433k▼ 12.3%
2024 · €494k
2018: €851k
2019: €954k
2020: €1.02M
2021: €823k
2022: €751k
2023: €776k
2024: €494k
2018 → 2025
Net result
€41k▼ 21.6%
2024 · €52k
2018: €84k
2019: €80k
2020: €116k
2021: €53k
2022: €58k
2023: €52k
2024: €52k
2018 → 2025
Working capital
€185k▼ 24.8%
2024 · €246k
2018: €621k
2019: €632k
2020: €485k
2021: €426k
2022: €440k
2023: €295k
2024: €246k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€428k-€486k▲ 13.6%€377k▼ 22.4%€308k▼ 18.3%€233k▼ 24.3%
Operating result€76k-€80k▲ 5.9%€80k▼ 0.7%€68k▼ 15.2%€54k▼ 20.8%
Net result€53k-€58k▲ 9.4%€52k▼ 11.1%€52k▲ 1.2%€41k▼ 21.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 21% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €433k
Fixed assets
€48k▼ 22.5%
Current assets
€385k▼ 10.9%
Equity and liabilities €433k
Equity
€233k▼ 24.3%
Debt
€200k▲ 7.5%
The debt ratio rises from 37.7% to 46.2%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€74k▼
2024 · €87k
Cash flow
€61k▼
2024 · €72k
Solvency
53.8%▼
2024 · 62.3%
Current ratio
1.92▼
2024 · 2.32
Quick ratio
1.92▼
2024 · 2.32
Debt / equity
0.86▲
2024 · 0.60
ROE
17.6%▲
2024 · 17.0%
ROA
9.5%▼
2024 · 10.6%
Interest coverage
247.70▲
2024 · 12.07
Debt
€200k▲
2024 · €186k
Debt ≤ 1 year
€200k▲
2024 · €186k
Income taxes
€16k▼
2024 · €18k
Staff costs
€75k▲
2024 · €71k
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€494k€433k▼
Fixed assets21/28€62k€48k▼
Tangible fixed assets22/27€60k€46k▼
Furniture and vehicles24€60k€46k▼
Financial fixed assets28€2k€2k=
Current assets29/58€432k€385k▼
Amounts receivable within one year40/41€6k€87k▲
Trade receivables40€0€85k▲
Other amounts receivable41€6k€2k▼
Current investments50/53€225k€0▼
Cash at bank and in hand54/58€200k€298k▲
Deferred charges and accrued income490/1€557€0▼
Equity and liabilities
Total equity and liabilities10/49€494k€433k▼
Equity10/15€308k€233k▼
Contributions10/11€600€600=
Reserves13€307k€232k▼
Distributable reserves133€307k€232k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€186k€200k▲
Amounts payable within one year42/48€186k€200k▲
Trade debts44€10k€7k▼
Suppliers440/4€10k€7k▼
Taxes, remuneration and social security45€32k€36k▲
Taxes450/3€16k€15k▼
Remuneration and social security454/9€16k€21k▲
Other amounts payable47/48€144k€157k▲
Income statement
Code20242025
Remuneration, social security and pensions62€71k€75k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€20k▲
Other operating charges640/8€528€610▲
Gross operating margin9900€158k€150k▼
Operating profit (loss)9901€68k€54k▼
Financial income75/76B€9k€4k▼
Recurring financial income75€9k€4k▼
Financial charges65/66B€7k€299▼
Recurring financial charges65€7k€299▼
Profit (loss) for the period before taxes9903€70k€57k▼
Income taxes67/77€18k€16k▼
Profit (loss) for the period9904€52k€41k▼
Profit (loss) for the period to be appropriated9905€52k€41k▼
Appropriation of the result
Profit (loss) to be appropriated9906€52k€41k▼
Transfer from equity791/2€80k€116k▲
Transfer to equity691/2€29k€41k▲
To other reserves6921€29k€41k▲
Profit to be distributed694/7€103k€116k▲
Return on contributions (dividend)694€103k€116k▲
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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €41k ▼21.6%
Net result drops to €41k, the lowest in the series.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €116k ▲45.8%
Operating result €169k, net result €116k, both a record.
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2023
This board is reconstructed from a single act (23483626). 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.
DE TANDT Josiane Albertine Marie Jozef
CurrentDirector · since 28-12-2023
MARTENS Arvid Johan Linda
CurrentDirector · since 28-12-2023
MARTENS Ninke Bea Hugo
CurrentDirector · since 28-12-2023
28-12-2023
DE TANDT Josiane Albertine Marie Jozef: Appointed as Director
28-12-2023
MARTENS Arvid Johan Linda: Appointed as Director
28-12-2023
MARTENS Ninke Bea Hugo: Appointed as Director
Location & real-estate footprint
Registered office, Kruisem · 1 establishment unit since 2005
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.
Alfred Amelotstraat 369750 KruisemGround area
300 m²
Building footprint
279 m²
Volume, LiDAR
1,597 m³
Parcel 45057B0017/00E000, Flanders · tallest building 10.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CBAM engineering
since 20052.147.232.877
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45057B0017/00E000 | Flanders | 300 m² | 1 · 279 m² | 10.8 m · 1 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.
Similar companies · same sector, comparable size
INARTO ARCHITECTEN - MULTIPROFESSIONELE ARCHITECTENVENNOOTSCHAP
BE 0666.509.071
Herentals · Eq €233k
GORISSEN
BE 0461.434.443
Maasmechelen · Eq €233k
Architectenbureau Arcada
BE 0461.851.840
Brugge · Eq €233k
ARCHITECTENBUREAU NYS
BE 0890.438.917
Knokke-Heist · Eq €233k
MEERT - BOGAERT ARCHITECTEN
BE 0440.794.922
Laarne · Eq €233k
Of 18,208 companies in sector 71111 we hold annual accounts for 6,291. 4,948 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-05-2005
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
71121Engineering and related technical consultancy, excluding land surveyors
74201Photography, excluding press photography
74203
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.