Equity
CBM has made a profit without a break since 2018.
CBM has made a profit without a break since 2018.
The accounts state no turnover.
Of this, €537,099 falls due within a year.
Green is investment, beige is depreciation. Land and buildings stand 112.3% higher than in 2024.
Short-term debts rose from €159,776 to €537,099.
The last five annual accounts were filed 2 to 37 days before the end of the period.
In July 2024, 1,449 companies had the same profile as CBM has now. Each dot stands for 4 companies, two years later.
Another 0.3% stopped without a precise date, possibly only after those two years.
The method was tested on the 497,331 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 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
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 1,449 companies, not a prediction for CBM. 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.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
| Company | ||||
|---|---|---|---|---|
| CBM Begijnendijk | €1.0m | €52,109 | 5.2% | - |
| ALL WINDOORS Tienen | €0.7m | €77,128 | 49.1% | - |
| S GROUP CONSTRUCT Molenbeek-Saint-Jean | €1.1m | €42,929 | 19.8% | - |
| R D RACING Olne | €0.9m | €99,301 | 39.5% | - |
| NIAGARA GROUP Evere | €0.7m | €92,405 | 53.6% | - |
| SOBELTAX LOCATION NAMUR Namur | €0.8m | €94,526 | 11.8% | - |
| Rail4Rent Immo Pelt | €0.6m | €46,958 | 51.0% | - |
These companies have the same main activity as CBM: renting and leasing of cars and light motor vehicles (NACE 77110). They are comparable in size and age: total assets between €586,000 and €1.1m, founded between 2005 and 2014.
CBM files the micro format. That format states no turnover. The gross margin rose from €6,570 in 2012 to €52,109 in 2025.
The balance sheet grew most in 2014 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €160,000. Estimated: probably between €100,000 and €270,000.
Higher than 28% of 2,055 companies in 2025.
Higher than 9% of 1,955 companies in 2025.
Higher than 39% of 1,978 companies in 2025.
Net result: middle half · Equity: middle half · Balance sheet total: top quarter · Working capital: bottom quarter
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | |||||||||||||||
20/58 |
1.0m | 704,897 | 486,957 | 574,578 | 632,985 | 610,933 | 617,366 | 619,617 | 612,376 | 818,000 | 616,462 | 732,717 | 15,784 | 20,037 | |
21/28 |
954,552 | 449,690 | 478,233 | 505,405 | 533,823 | 529,171 | 554,301 | 579,431 | 604,561 | 780,725 | 600,026 | 613,642 | 11,656 | 16,318 | |
22/27 |
954,552 | 449,690 | 478,233 | 505,405 | 533,823 | 529,171 | 554,301 | 579,431 | 604,561 | 780,725 | 600,026 | 613,642 | 11,656 | 16,318 | |
22 |
954,552 | 449,690 | 478,233 | 505,405 | 533,823 | 529,171 | 554,301 | 579,431 | 604,561 | 780,725 | 599,864 | 613,157 | - | - | |
23 |
- | - | - | - | - | - | - | - | - | - | 162 | 485 | 2,559 | 3,583 | |
24 |
- | - | - | - | - | - | - | - | - | - | - | - | 9,097 | 12,736 | |
29/58 |
70,702 | 255,207 | 8,724 | 69,174 | 99,162 | 81,762 | 63,065 | 40,186 | 7,815 | 37,275 | 16,436 | 119,075 | 4,128 | 3,719 | |
40/41 |
53,551 | 43,602 | 180 | 35,138 | 50,319 | 50,234 | 56,686 | 6,629 | 306 | 9,307 | 2,864 | 44,674 | 0 | 3 | |
40 |
7,000 | 41,960 | - | - | - | - | 6,500 | 6,500 | - | 9,000 | - | 42,500 | - | - | |
41 |
46,551 | 1,642 | 180 | 35,138 | 50,319 | 50,234 | 50,186 | 129 | 306 | 307 | 2,864 | 2,174 | 0 | 3 | |
50/53 |
0 | 50,000 | - | - | - | - | - | - | - | - | - | - | - | - | |
54/58 |
17,150 | 161,605 | 8,544 | 34,035 | 48,843 | 31,527 | 6,379 | 33,557 | 7,509 | 27,968 | 13,572 | 74,401 | 4,127 | 3,716 | |
| Balance sheet: equity and liabilities | |||||||||||||||
10/49 |
1.0m | 704,897 | 486,957 | 574,578 | 632,985 | 610,933 | 617,366 | 619,617 | 612,376 | 818,000 | 616,462 | 732,717 | 15,784 | 20,037 | |
10/15 |
53,585 | 50,008 | 41,829 | 22,128 | 6,298 | -16,321 | -50,571 | -90,153 | -125,278 | 4,688 | 5,667 | 7,557 | 7,205 | 8,436 | |
10/11 |
10,000 | 10,000 | 10,000 | 10,000 | 10,000 | 10,000 | 10,000 | 10,000 | 10,000 | 10,000 | 10,000 | 10,000 | 10,000 | 10,000 | |
100 |
- | - | - | - | - | - | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | |
101 |
- | - | - | - | - | - | 8,600 | 8,600 | 8,600 | 8,600 | 8,600 | 8,600 | 8,600 | 8,600 | |
13 |
11,756 | 8,178 | - | - | - | - | - | - | - | - | - | - | - | - | |
133 |
11,756 | 8,178 | - | - | - | - | - | - | - | - | - | - | - | - | |
14 |
31,829 | 31,829 | 31,829 | 12,128 | -3,702 | -26,321 | -60,571 | -100,153 | -135,278 | -5,312 | -4,333 | -2,443 | -2,795 | -1,564 | |
17/49 |
971,668 | 654,890 | 445,128 | 552,451 | 626,687 | 627,254 | 667,938 | 709,769 | 737,654 | 813,312 | 610,795 | 725,160 | 8,579 | 11,601 | |
17 |
434,570 | 495,114 | 283,454 | 311,222 | 538,429 | 542,897 | 565,650 | 587,938 | 609,769 | 690,213 | 501,812 | 518,732 | 5,391 | 8,432 | |
170/4 |
434,570 | 495,114 | 283,454 | 311,222 | 538,429 | 542,897 | 565,650 | 587,938 | 609,769 | 690,213 | 501,812 | 518,732 | 5,391 | 8,432 | |
42/48 |
537,099 | 159,776 | 161,674 | 241,228 | 88,258 | 84,357 | 102,288 | 121,831 | 127,885 | 123,099 | 108,983 | 201,428 | 3,188 | 3,170 | |
42 |
44,891 | 28,340 | 27,768 | 27,207 | 26,658 | 22,753 | 22,288 | 21,831 | 21,385 | 17,599 | 16,920 | 16,268 | 3,040 | 2,902 | |
44 |
1,208 | 435 | - | 720 | - | 4 | - | - | - | - | 2,063 | 85,160 | - | - | |
440/4 |
1,208 | 435 | - | 720 | - | 4 | - | - | - | - | 2,063 | 85,160 | - | - | |
46 |
- | - | - | - | - | - | - | - | 6,500 | 5,500 | - | - | - | - | |
45 |
1,000 | 1,000 | 3,906 | 3,301 | 1,600 | 1,600 | - | - | - | - | - | - | 148 | 267 | |
450/3 |
- | 0 | 3,906 | 2,301 | 1,200 | 1,200 | - | - | - | - | - | - | 148 | 267 | |
454/9 |
1,000 | 1,000 | - | 1,000 | 400 | 400 | - | - | - | - | - | - | - | - | |
47/48 |
490,000 | 130,000 | 130,000 | 210,000 | 60,000 | 60,000 | 80,000 | 100,000 | 100,000 | 100,000 | 90,000 | 100,000 | - | - | |
492/3 |
- | - | - | - | - | - | - | - | - | - | - | 5,000 | - | - | |
| Income statement | |||||||||||||||
76A |
- | - | - | - | - | - | - | - | - | - | - | 2,255 | - | - | |
9900 |
52,109 | 48,799 | 65,741 | 58,939 | 63,409 | 71,824 | 77,379 | 76,644 | 69,565 | 69,504 | 60,475 | 15,625 | 4,023 | 6,570 | |
630 |
37,611 | 28,543 | 28,422 | 28,418 | 28,228 | 25,130 | 25,130 | 25,130 | 25,130 | 50,475 | 39,849 | 12,663 | 4,662 | 6,994 | |
640/8 |
4,411 | 4,095 | 3,484 | 3,255 | 3,177 | 3,153 | 2,923 | 5,921 | 3,168 | 386 | 2,211 | 280 | 127 | 327 | |
66A |
- | - | - | - | - | - | - | - | 151,034 | - | - | - | - | - | |
9901 |
10,087 | 16,161 | 33,836 | 27,266 | 32,004 | 43,541 | 49,327 | 45,593 | -109,767 | 18,643 | 18,415 | 2,683 | -767 | -751 | |
75/76B |
1,067 | 2,080 | - | - | - | - | - | - | - | 5 | - | 38 | 1 | 17 | |
75 |
1,067 | 2,080 | - | - | - | - | - | - | - | 5 | - | 38 | 1 | 17 | |
65/66B |
7,219 | 6,246 | 7,228 | 8,722 | 9,386 | 9,291 | 9,745 | 10,467 | 20,200 | 19,626 | 20,305 | 4,624 | 466 | 830 | |
65 |
7,219 | 6,246 | 7,228 | 8,722 | 9,386 | 9,291 | 9,745 | 10,467 | 20,200 | 19,626 | 20,305 | 4,624 | 466 | 830 | |
9903 |
3,935 | 11,995 | 26,607 | 18,544 | 22,619 | 34,250 | 39,581 | 35,125 | -129,966 | -978 | -1,891 | 353 | -1,231 | -1,564 | |
67/77 |
358 | 3,817 | 6,906 | 2,714 | - | - | - | - | - | - | - | - | - | - | |
9904 |
3,578 | 8,178 | 19,702 | 15,830 | 22,619 | 34,250 | 39,581 | 35,125 | -129,966 | -978 | -1,891 | 353 | -1,231 | -1,564 | |
9905 |
3,578 | 8,178 | 19,702 | 15,830 | 22,619 | 34,250 | 39,581 | 35,125 | -129,966 | -978 | -1,891 | 353 | -1,231 | -1,564 | |
| Appropriation of the result | |||||||||||||||
9906 |
35,407 | 40,008 | 31,829 | 12,128 | -3,702 | -26,321 | -60,571 | -100,153 | -135,278 | -5,312 | -4,333 | -2,443 | -2,795 | -1,564 | |
14P |
31,829 | 31,829 | 12,128 | -3,702 | -26,321 | - | - | - | - | - | - | - | - | - | |
691/2 |
3,578 | 8,178 | - | - | - | - | - | - | - | - | - | - | - | - | |
6921 |
3,578 | 8,178 | - | - | - | - | - | - | - | - | - | - | - | - | |
| Social balance sheet | |||||||||||||||
9087 |
- | 0 | - | - | - | - | - | - | - | - | - | - | - | - | |
| Document | |||||||||||||||
The notes to these accounts have 8 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 24-03-2026.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-09-2025 | micro format | 24-03-2026 | 2026-00060369 | |
| 30-09-2024 | abbreviated format | 28-04-2025 | 2025-00077570 | |
| 30-09-2023 | micro format | 08-04-2024 | 2024-00058977 | |
| 30-09-2022 | micro format | 14-04-2023 | 2023-00059014 | |
| 30-09-2021 | micro format | 21-04-2022 | 2022-20005408 | |
| 30-09-2020 | abbreviated format | 30-04-2021 | 2021-12300545 | |
| 30-09-2019 | abbreviated format | 24-04-2020 | 2020-09800100 | |
| 30-09-2018 | abbreviated format | 15-03-2019 | 2019-07100206 | |
| 30-09-2017 | abbreviated format | 08-03-2018 | 2018-06500428 | |
| 30-09-2016 | abbreviated format | 27-03-2017 | 2017-07500276 | |
| 30-09-2015 | abbreviated format | 17-03-2016 | 2016-06600352 | |
| 30-09-2014 | abbreviated format | 27-03-2015 | 2015-07700345 | |
| 30-09-2013 | abbreviated format | 28-03-2014 | 2014-07800141 | |
| 30-09-2012 | abbreviated format | 29-03-2013 | 2013-07900453 |
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 47,698 | 44,704 | 62,257 | 55,684 | 60,233 | 68,671 | 74,456 | 70,723 | -84,637 | 69,118 | 58,264 | 15,345 | 3,896 | 6,243 | ||
| 41,188 | 36,721 | 48,123 | 44,248 | 50,847 | 59,380 | 64,711 | 60,255 | -104,836 | 49,497 | 37,959 | 13,015 | 3,431 | 5,430 | ||
| 542,472 | 0 | 1,250 | 0 | 32,880 | 0 | 0 | 0 | -151,034 | 231,174 | 26,233 | 625,496 | 0 | 23,312 | ||
| -144,455 | 153,061 | -25,491 | -14,808 | 17,316 | 25,148 | -27,178 | 26,048 | -20,459 | 14,396 | -60,829 | 70,274 | 411 | - | ||
| -466,397 | 95,431 | -152,950 | -172,055 | 10,904 | -2,596 | -39,222 | -81,646 | -120,070 | -85,824 | -92,548 | -82,353 | 940 | 549 | ||
| 5.2% | 7.1% | 8.6% | 3.9% | 1.0% | -2.7% | -8.2% | -14.5% | -20.5% | 0.6% | 0.9% | 1.0% | 45.6% | 42.1% | ||
| 0.13 | 1.60 | 0.05 | 0.29 | 1.12 | 0.97 | 0.62 | 0.33 | 0.06 | 0.30 | 0.15 | 0.59 | 1.29 | 1.17 | ||
| 18.13 | 13.10 | 10.64 | 24.97 | 99.51 | - | - | - | - | - | - | 95.96 | 1.19 | 1.38 | ||
| 6.7% | 16.4% | 47.1% | 71.5% | 359.2% | - | - | - | - | -20.9% | -33.4% | 4.7% | -17.1% | -18.5% | ||
| 0.3% | 1.2% | 4.0% | 2.8% | 3.6% | 5.6% | 6.4% | 5.7% | -21.2% | -0.1% | -0.3% | 0.0% | -7.8% | -7.8% | ||
| 6.61 | 7.16 | 8.61 | 6.38 | 6.42 | - | - | - | - | - | - | - | - | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 30-09-2025 | 30-09-2024 | 30-09-2023 | 30-09-2022 | 30-09-2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | €542,472 | - | €1,250 | - | €32,880 |
| €37,611 | €28,543 | €28,422 | €28,418 | €28,228 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is 38% lower than in 2024 and the lowest since 2017. It is the second fall in a row.
Debt's share of the balance-sheet total rises from 92.9% to 94.8%. Equity and debt are higher.
CBM has no parent and no holdings in its annual accounts. CBM shares no director with another company.
| CRAUWELS BANDEN
registered office since 04-05-2004 · founded in 2004 |
7 FTE (2025) 0865.097.567 |
| CRAUWELS - CBM
registered office since 01-03-2015 |
founded in 2015 0598.816.533 |
Deadline for the 2026 accounts: 30-04-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Liersesteenweg 136 registered office 3130 Begijnendijk | 29-04-2011 | 2.200.259.908 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 24007B0173/00R002 | 1,625 m² | 1 · 614 m² | 7.2 m · 1 |
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