CBMC
ActiveSummary
CBMC has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €185k and a net result of €60k. Equity is growing by ~57.4% per year across the filed fiscal years. Its solvency ranks better than 91% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 11.45 against 3.83 in 2024; short-term debt: 8.5% and cash: 48.7% of total assets), and 8.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
91.5%
Return on assets
29.6%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 28-10-2025, 3 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
3 d early
2024
31 d early
2023
4 d early
2022
29 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 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€185k▲ 47.9%
2024 · €125k
2022: €16k
2023: €70k
2024: €125k
2022 → 2025
Total assets
€202k▲ 23.0%
2024 · €164k
2022: €21k
2023: €103k
2024: €164k
2022 → 2025
Net result
€60k▲ 8.1%
2024 · €55k
2022: €6k
2023: €53k
2024: €55k
2022 → 2025
Working capital
€180k▲ 61.9%
2024 · €111k
2022: €15k
2023: €51k
2024: €111k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€16k-€70k▲ 330%€125k▲ 79.7%€185k▲ 47.9%
Operating result€8k-€75k▲ 821%€78k▲ 4.2%€84k▲ 8.2%
Net result€6k-€53k▲ 762%€55k▲ 3.9%€60k▲ 8.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 8% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €202k
Fixed assets
€5k ▼ 64.2%
Current assets
€197k ▲ 31.0%
Equity and liabilities €202k
Equity
€185k ▲ 47.9%
Debt
€17k ▼ 56.2%
Debt's share of the balance-sheet total falls from 23.9% to 8.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€93k▲
2024 · €87k
Cash flow
€69k▲
2024 · €65k
Current ratio
11.45▲
2024 · 3.83
Debt to equity
0.09▼
2024 · 0.31
ROE
32.4%▼
2024 · 44.4%
ROA
29.6%▼
2024 · 33.7%
Interest coverage
747.68▲
2024 · 697.84
Debt ≤ 1 year
€17k▼
2024 · €39k
Income taxes
€24k▲
2024 · €22k
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 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€164k€202k▲
Fixed assets21/28€14k€5k▼
Tangible fixed assets22/27€14k€5k▼
Furniture and vehicles24€14k€5k▼
Current assets29/58€151k€197k▲
Amounts receivable within one year40/41€13k€13k▼
Trade receivables40€13k€13k▲
Other amounts receivable41€442-
Current investments50/53€43k€85k▲
Cash at bank and in hand54/58€93k€99k▲
Deferred charges and accrued income490/1€2k€448▼
Equity and liabilities
Total equity and liabilities10/49€164k€202k▲
Equity10/15€125k€185k▲
Contributions10/11€10k€10k=
Reserves13€115k€175k▲
Distributable reserves133€115k€175k▲
Amounts payable17/49€39k€17k▼
Amounts payable within one year42/48€39k€17k▼
Trade debts44-€415
Suppliers440/4-€415
Taxes, remuneration and social security45€37k€15k▼
Taxes450/3€37k€15k▼
Other amounts payable47/48€2k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▼
Other operating charges640/8€415€750▲
Gross operating margin9900€87k€94k▲
Operating profit (loss)9901€78k€84k▲
Financial charges65/66B€125€125=
Recurring financial charges65€125€125=
Profit (loss) for the period before taxes9903€78k€84k▲
Income taxes67/77€22k€24k▲
Profit (loss) for the period9904€55k€60k▲
Profit (loss) for the period to be appropriated9905€55k€60k▲
Appropriation of the result
Profit (loss) to be appropriated9906€55k€60k▲
Transfer to equity691/2€55k€60k▲
To other reserves6921€55k€60k▲
The notes to these accounts (4 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
2025
28-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2022net €60k ▲8.1%
Operating result €84k, net result €60k, both a record.
31-03
Financial
Liquidity triplescurrent ratio 11.45
Current ratio from 3.83 to 11.45; short-term debt falls from €39k to €17k.
31-03
Financial
Equity above €150kEq €185k ▲47.9%
4 profitable years in a row build equity to €185k.
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Equity above €100kEq €125k ▲79.7%
3 profitable years in a row build equity to €125k.
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
29-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Hasselt · 1 establishment unit since 2021
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.
Paul Bellefroidlaan 293500 HasseltGround area
3,104 m²
Building footprint
706 m²
Volume, LiDAR
7,765 m³
Parcel 71324E0440/00F000, Flanders · tallest building 18.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
CBMC
since 20212.315.556.383
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71324E0440/00F000 | Flanders | 3,104 m² | 1 · 706 m² | 18.3 m · 5 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.
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C & R
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Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 7,022 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-04-2021
Fiscal year end31-03
Activities, NACEBEL 2025
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.