CBE PRO
ActiveSummary
The computed 12-month bankruptcy probability of CBE PRO is 2.5% (moderate). The 2025 annual accounts show equity of €28k and a net result of €6k. Its solvency ranks better than 70% of 27965 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability87▼-13
Solvency91▲+21
Growth52
Track record82
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.09 against 1.25 in 2024; short-term debt: 34.3% and cash: 11.1% of total assets), and 34.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
65.7%
Return on assets
14.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
26 d late
2024
55 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€28k▲ 28.4%
2024 · €22k
2024: €22k
2025: €28k▲ +28.4% vs 2024
2024 → 2025
Total assets
€43k▼ 11.0%
2024 · €48k
2024: €48k
2025: €43k▼ -11.0% vs 2024
2024 → 2025
Net result
€6k▼ 63.2%
2024 · €17k
2024: €17k
2025: €6k▼ -63.2% vs 2024
2024 → 2025
Working capital
€16k▲ 143%
2024 · €7k
2024: €7k
2025: €16k▲ +143% vs 2024
2024 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€22k-€28k▲ 28.4%
2024: €22k
2025: €28k▲ +28.4% vs 2024
Operating result€23k-€8k▼ 64.0%
2024: €23k
2025: €8k▼ -64.0% vs 2024
Net result€17k-€6k▼ 63.2%
2024: €17k
2025: €6k▼ -63.2% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 64% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €43k
Fixed assets
€12k ▼ 21.2%
Current assets
€31k ▼ 6.3%
Equity and liabilities €43k
Equity
€28k ▲ 28.4%
Debt
€15k ▼ 43.9%
Debt's share of the balance-sheet total falls from 54.5% to 34.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€14k▼
2024 · €25k
Cash flow
€12k▼
2024 · €19k
Current ratio
2.09▲
2024 · 1.25
Debt to equity
0.52▼
2024 · 1.20
ROE
22.1%▼
2024 · 77.2%
ROA
14.5%▼
2024 · 35.1%
Interest coverage
19.10▼
2024 · 132.44
Debt ≤ 1 year
€15k▼
2024 · €26k
Income taxes
€2k▼
2024 · €6k
Staff costs
€8k▲
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€48k€43k▼
Fixed assets21/28€15k€12k▼
Tangible fixed assets22/27€15k€12k▼
Plant, machinery and equipment23-€2k
Furniture and vehicles24€15k€10k▼
Current assets29/58€33k€31k▼
Stocks and contracts in progress3€0-
Contracts in progress37€0-
Amounts receivable within one year40/41€32k€26k▼
Trade receivables40€31k€11k▼
Other amounts receivable41€964€15k▲
Cash at bank and in hand54/58€1k€5k▲
Equity and liabilities
Total equity and liabilities10/49€48k€43k▼
Equity10/15€22k€28k▲
Contributions10/11€5k€5k=
Outside capital11€5k-
Other1109/19€5k-
Profit (loss) carried forward14€17k€23k▲
Amounts payable17/49€26k€15k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€26k€15k▼
Current portion of amounts payable after more than one year42€0-
Trade debts44€19k€6k▼
Suppliers440/4€19k€6k▼
Taxes, remuneration and social security45€8k€9k▲
Taxes450/3€7k€7k▼
Remuneration and social security454/9€165€2k▲
Other amounts payable47/48€0€0=
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€93k€94k▲
Remuneration, social security and pensions62€3k€8k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€6k▲
Other operating charges640/8€547€818▲
Gross operating margin9900€29k€23k▼
Operating profit (loss)9901€23k€8k▼
Financial income75/76B€140€456▲
Recurring financial income75€140€456▲
Financial charges65/66B€187€748▲
Recurring financial charges65€187€748▲
Profit (loss) for the period before taxes9903€23k€8k▼
Income taxes67/77€6k€2k▼
Profit (loss) for the period9904€17k€6k▼
Profit (loss) for the period to be appropriated9905€17k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€23k▲
Profit (loss) brought forward from the previous period14P-€17k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | €93k | €94k | ▲ 1.0% |
| Remuneration, social security and pensions62 | €3k | €8k | ▲ 127% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €6k | ▲ 198% |
| Other operating charges640/8 | €547 | €818 | ▲ 49.6% |
| Gross operating margin9900 | €29k | €23k | ▼ 20.6% |
| Operating profit (loss)9901 | €23k | €8k | ▼ 64.0% |
| Financial income75/76B | €140 | €456 | ▲ 225% |
| Recurring financial income75 | €140 | €456 | ▲ 225% |
| Financial charges65/66B | €187 | €748 | ▲ 300% |
| Recurring financial charges65 | €187 | €748 | ▲ 300% |
| Profit (loss) for the period before taxes9903 | €23k | €8k | ▼ 65.3% |
| Income taxes67/77 | €6k | €2k | ▼ 71.4% |
| Profit (loss) for the period9904 | €17k | €6k | ▼ 63.2% |
| Profit (loss) for the period to be appropriated9905 | €17k | €6k | ▼ 63.2% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €48k | €43k | ▼ 11.0% |
| Fixed assets21/28 | €15k | €12k | ▼ 21.2% |
| Tangible fixed assets22/27 | €15k | €12k | ▼ 21.2% |
| Plant, machinery and equipment23 | - | €2k | - |
| Furniture and vehicles24 | €15k | €10k | ▼ 37.4% |
| Current assets29/58 | €33k | €31k | ▼ 6.3% |
| Stocks and contracts in progress3 | €0 | - | - |
| Contracts in progress37 | €0 | - | - |
| Amounts receivable within one year40/41 | €32k | €26k | ▼ 17.3% |
| Trade receivables40 | €31k | €11k | ▼ 62.7% |
| Other amounts receivable41 | €964 | €15k | ▲ 1,427% |
| Cash at bank and in hand54/58 | €1k | €5k | ▲ 248% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €48k | €43k | ▼ 11.0% |
| Equity10/15 | €22k | €28k | ▲ 28.4% |
| Contributions10/11 | €5k | €5k | = |
| Outside capital11 | €5k | - | - |
| Other1109/19 | €5k | - | - |
| Profit (loss) carried forward14 | €17k | €23k | ▲ 36.8% |
| Amounts payable17/49 | €26k | €15k | ▼ 43.9% |
| Amounts payable after more than one year17 | €0 | - | - |
| Financial debts170/4 | €0 | - | - |
| Amounts payable within one year42/48 | €26k | €15k | ▼ 43.9% |
| Current portion of amounts payable after more than one year42 | €0 | - | - |
| Trade debts44 | €19k | €6k | ▼ 70.2% |
| Suppliers440/4 | €19k | €6k | ▼ 70.2% |
| Taxes, remuneration and social security45 | €8k | €9k | ▲ 21.0% |
| Taxes450/3 | €7k | €7k | ▼ 1.1% |
| Remuneration and social security454/9 | €165 | €2k | ▲ 1,010% |
| Other amounts payable47/48 | €0 | €0 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €17k | €6k | ▼ 63.2% |
| + Depreciation and write-downs630 | €2k | €6k | ▲ 198% |
| Operating cash flow (approximation) | €19k | €12k | ▼ 35.0% |
| Investment in fixed assets (approximation) | - | €-3k | - |
| Change in cash | - | €3k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 55 days late
NBB filing
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Liège · 1 establishment unit since 2024
Ground area
138 m²
Building footprint
57 m²
Volume, LiDAR
627 m³
Parcel 62810B0446/00Y002, Wallonia · tallest building 12.2 m, ±4 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
CBE PRO
since 20242.355.922.736
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62810B0446/00Y002 | Wallonia | 138 m² | 1 · 57 m² | 12.2 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 8,566 companies in sector 43410 we hold annual accounts for 4,363. 3,353 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-01-2024
Fiscal year end31-12
Activities, NACEBEL 2025
43230Insulation installation
43410Roofing work
Scores and ratios are computed by Checked and are not a credit decision.