CBplus

Active

Private limited companyfounded 2021active for 5 yearsNieuwstraat 2, 9870 Zulte, BelgiumKBO/BCE: BE 0775.978.422

Summary

CBplus is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€397,194) and a net result of -€529,546. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 5% of 6,692 sector peers (NACE 64, financial year 2025). The company has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals.

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CBplusActive

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Overview

Official details

Source: KBO

Status: Active since 20-10-2021 Normal situation
Activity: Activities of holding companies NACE 64210and 5 others
Establishment unit: 2.323.783.369 9870 Zulte, since 20-10-2021
Financial year end: 31 December
Peppol: Reachable since 28-10-2025

Company details

Board and ownership

Board

Katrien De WaeleDirector
Paul Van LooverenDirector

Holdings: Shares in 1 company CAPA - GENT

Board & ownership

Financial position

Financial institution: outside the modelBankruptcy probability: sector outside the model

Annual accounts 2025

Loss: €529,546
Equity: -€397,194
Total assets: €280,190; ▼ 65.3%

Negative equity on 31-12-2025

Financials

SignalsneutralLatest accounts filed on timeShow the evidence

Checked score

Outside the general model

Model not applicable to financial institutions

The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.

Bankruptcy probability within 12 months

The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.

Credit check for an amount and term of your choice

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.

Signals

1 signal.

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 16-07-2026, 15 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

15 days early

2024

29 days early

2023

6 days early

2022

14 days early

2021

59 days early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

The company filed its last 5 accounts on average 25 days before the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 16 July (4 of the last 5 accounts filed within 30 days either side of that date).

Companies Code · seven months

Where today falls in the filing period

04-11-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

That holds for every publication since 2021.

KBO publications

Financials

Financials · financial year 2025, abbreviated format

Annual accounts 2025 filed on 16-07-2026 at the NBB all 5 filings

Equity

-€397,194

2024 · €132,352

Net result

-€529,546

2024 · €539

Total assets

€280,190▼ 65.3%

2024 · €806,376

Solvency

-141.8%▼ 158.2pp

2024 · 16.4%

Multi-year overview

2021 to 2025, 5 financial years

Operating result

€15,264

▼ 4.4% 2025

20212025

Net result

-€529,546

2025

lowest quarter of the sector

20212025

Equity

-€397,194

2025

lowest quarter of the sector

20212025

Total assets

€280,190

▼ 65.3% 2025

lowest quarter of the sector

20212025

Debt

€677,384

▲ 0.5% 2025

20212025

Working capital

-€255,871

▼ 43.0% 2025

lowest quarter of the sector

20212025

Solvency

-141.8%

▼ 158.2pp 2025

lowest quarter of the sector

20212025

Current ratio

0.02

▼ 0.01 2025

lowest quarter of the sector

20212025

Return on assets (ROA)

-189.0%

▼ 189.1pp 2025

lowest quarter of the sector

20212025

Staff (FTE)

2025

middle half of the sector

20212025

Every figure per financial year

Every figure with its change against the financial year before

favourable unfavourable

Line20212022202320242025

Operating result€6,429-€37,729▲ 487%€32,121▼ 14.9%€15,974▼ 50.3%€15,264▼ 4.4%

Net result€74,108-€16,218▼ 78.1%€62,487▲ 285%€539▼ 99.1%-€529,546

Equity€53,108-€69,325▲ 30.5%€131,812▲ 90.1%€132,352▲ 0.4%-€397,194

Total assets€900,755-€810,108▼ 10.1%€808,905▼ 0.1%€806,376▼ 0.3%€280,190▼ 65.3%

Debt€847,648-€740,783▼ 12.6%€677,093▼ 8.6%€674,024▼ 0.5%€677,384▲ 0.5%

Working capital-€45,067--€91,656▼ 103%-€107,993▼ 17.8%-€178,936▼ 65.7%-€255,871▼ 43.0%

Solvency5.9%-8.6%▲ 2.7pp16.3%▲ 7.7pp16.4%▲ 0.1pp-141.8%▼ 158.2pp

Current ratio0.69-0.10▼ 0.590.08▼ 0.020.03▼ 0.040.02▼ 0.01

Return on assets (ROA)8.2%-2.0%▼ 6.2pp7.7%▲ 5.7pp0.1%▼ 7.7pp-189.0%▼ 189.1pp

Staff (FTE)0

above within below The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.

The operating result for 2025 is 4% lower than in 2024. It is the third fall in a row.

Turnover and EBIT margin are not published. The abbreviated format does not require them. The turnover shown is an estimate from the gross margin.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €280,190

98.1%

Fixed assets €275,000 ▼ 65.6%

Current assets €5,190 ▼ 18.6%

Equity and liabilities

Equity-€397,194

Debt€677,384

Equity is negative. Debt (€677,384) exceeds the balance-sheet total (€280,190).

Key figures and ratios

2025 value · change against 2024

Debt ≤ 1 year

€261,061▲

2024 · €185,312

Debt > 1 year

€416,323▼

2024 · €488,713

Income taxes

€0▼

2024 · €1,348

Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.

Securities and guarantees

on own assets and for others

Item	2021	2022	2023	2024	2025
Debts secured on the company's own assets	€494,296	€425,469	-	-	-
Debts guaranteed by Belgian public bodies	€375,000	€375,000	-	-	-
Carrying value of the other pledged assets	€800,000	€800,000	€800,000	€800,000	€800,000

Source: notes to the 2021 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)

Investments

fixed assets acquired

Item	2021	2022	2023	2024	2025
Financial fixed assets	€800,000	-	-	-	-

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Annual accounts

OverviewIncome statement Balance sheet Cash flow

Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines

Balance sheet Code20242025

Assets

Total assets20/58€806,376€280,190▼

Fixed assets21/28€800,000€275,000▼

Financial fixed assets28€800,000€275,000▼

Current assets29/58€6,376€5,190▼

Amounts receivable within one year40/41€0-

Trade receivables40€0-

Cash at bank and in hand54/58€84€504▲

Deferred charges and accrued income490/1€6,292€4,686▼

Equity and liabilities

Total equity and liabilities10/49€806,376€280,190▼

Equity10/15€132,352-€397,194▼

Contributions10/11€50,000€50,000=

Reserves13€82,352€0▼

Distributable reserves133€82,352€0▼

Profit (loss) carried forward14--€447,194

Amounts payable17/49€674,024€677,384▲

Amounts payable after more than one year17€488,713€416,323▼

Financial debts170/4€488,713€416,323▼

Amounts payable within one year42/48€185,312€261,061▲

Current portion of amounts payable after more than one year42€71,482€72,389▲

Trade debts44€466€15▼

Suppliers440/4€466€15▼

Taxes, remuneration and social security45€11,841€9,885▼

Taxes450/3€11,841€9,885▼

Other amounts payable47/48€101,523€178,771▲

Income statement Code20242025

Other operating charges640/8€1,598€559▼

Gross operating margin9900€17,572€15,823▼

Operating profit (loss)9901€15,974€15,264▼

Financial income75/76B€0€100▲

Recurring financial income75€0€100▲

Financial charges65/66B€14,087€544,910▲

Recurring financial charges65€14,087€19,910▲

Non-recurring financial charges66B-€525,000

Profit (loss) for the period before taxes9903€1,887-€529,546▼

Income taxes67/77€1,348€0▼

Profit (loss) for the period9904€539-€529,546▼

Profit (loss) for the period to be appropriated9905€539-€529,546▼

Appropriation of the result

Profit (loss) to be appropriated9906€539-€529,546▼

Transfer from equity791/2-€82,352

Transfer to equity691/2€539€0▼

To other reserves6921€539€0▼

Social balance sheet

Average headcount (FTE)9087-0.0

The notes to these accounts have 13 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 16-07-2026.

Line	2021	2022	2023	2024	2025	Change
Other operating charges640/8	-	-	€390	€1,598	€559	▼ 65.0%
Gross operating margin9900	€6,429	€37,729	€32,511	€17,572	€15,823	▼ 10.0%
Operating profit (loss)9901	€6,429	€37,729	€32,121	€15,974	€15,264	▼ 4.4%
Financial income75/76B	€71,000	€30	€50,000	€0	€100	-
Recurring financial income75	€71,000	€30	€50,000	€0	€100	-
Financial charges65/66B	€2,544	€15,835	€14,957	€14,087	€544,910	▲ 39×
Recurring financial charges65	€2,544	€15,835	€14,957	€14,087	€19,910	▲ 41.3%
Non-recurring financial charges66B	-	-	-	-	€525,000	-
Profit (loss) for the period before taxes9903	€74,885	€21,925	€67,163	€1,887	-€529,546	-
Income taxes67/77	€777	€5,707	€4,676	€1,348	€0	▼ 100%
Profit (loss) for the period9904	€74,108	€16,218	€62,487	€539	-€529,546	-
Profit (loss) for the period to be appropriated9905	€74,108	€16,218	€62,487	€539	-€529,546	-

Line	2021	2022	2023	2024	2025	Change
Assets
Total assets20/58	€900,755	€810,108	€808,905	€806,376	€280,190	▼ 65.3%
Fixed assets21/28	€800,000	€800,000	€800,000	€800,000	€275,000	▼ 65.6%
Financial fixed assets28	€800,000	€800,000	€800,000	€800,000	€275,000	▼ 65.6%
Current assets29/58	€100,755	€10,108	€8,905	€6,376	€5,190	▼ 18.6%
Amounts receivable within one year40/41	€284	€175	€1,000	€0	-	-
Trade receivables40	-	€175	€1,000	€0	-	-
Other amounts receivable41	€284	€0	-	-	-	-
Cash at bank and in hand54/58	€89,358	€425	€3	€84	€504	▲ 497%
Deferred charges and accrued income490/1	€11,114	€9,508	€7,902	€6,292	€4,686	▼ 25.5%
Equity and liabilities
Total equity and liabilities10/49	€900,755	€810,108	€808,905	€806,376	€280,190	▼ 65.3%
Equity10/15	€53,108	€69,325	€131,812	€132,352	-€397,194	-
Contributions10/11	€50,000	€50,000	€50,000	€50,000	€50,000	=
Reserves13	€3,108	€19,325	€81,812	€82,352	€0	▼ 100%
Distributable reserves133	€3,108	€19,325	€81,812	€82,352	€0	▼ 100%
Profit (loss) carried forward14	€0	€0	-	-	-€447,194	-
Amounts payable17/49	€847,648	€740,783	€677,093	€674,024	€677,384	▲ 0.5%
Amounts payable after more than one year17	€700,469	€630,768	€560,195	€488,713	€416,323	▼ 14.8%
Financial debts170/4	€700,469	€630,768	€560,195	€488,713	€416,323	▼ 14.8%
Amounts payable within one year42/48	€145,822	€101,765	€116,898	€185,312	€261,061	▲ 40.9%
Current portion of amounts payable after more than one year42	€68,827	€69,701	€70,574	€71,482	€72,389	▲ 1.3%
Trade debts44	€359	€0	€581	€466	€15	▼ 96.7%
Suppliers440/4	€359	€0	€581	€466	€15	▼ 96.7%
Taxes, remuneration and social security45	€2,502	€14,905	€21,230	€11,841	€9,885	▼ 16.5%
Taxes450/3	€2,502	€14,905	€21,230	€11,841	€9,885	▼ 16.5%
Other amounts payable47/48	€74,134	€17,159	€24,513	€101,523	€178,771	▲ 76.1%
Accrued charges and deferred income492/3	€1,356	€8,250	€0	-	-	-

Line	2021	2022	2023	2024	2025	Change
Profit (loss) for the period9904	€74,108	€16,218	€62,487	€539	-€529,546	-
Operating cash flow (approximation)	€74,108	€16,218	€62,487	€539	-€529,546	-
Investment in fixed assets (approximation)	-	€0	€0	€0	€525,000	-
Change in cash	-	-€88,932	-€422	€81	€420	▲ 418%

A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (5)

Financial year	Type	Filed	Reference	Document
31-12-2025	abbreviated format	16-07-2026	2026-00308800	PDF
31-12-2024	abbreviated format	02-07-2025	2025-00232656	PDF
31-12-2023	abbreviated format	25-07-2024	2024-00292840	PDF
31-12-2022	abbreviated format	17-07-2023	2023-00251587	PDF
31-12-2021	abbreviated format	02-06-2022	2022-20048175	PDF

Board & ownership

Directors

2 directors, last change in 2026

Katrien De Waele

Director · appointed in the act of 07-12-2022 · term without a fixed end · listed in the 2025 annual accounts, filed on 16-07-2026

Current

Paul Van Looveren

Director · appointed in the act of 07-12-2022 · term without a fixed end · listed in the 2025 annual accounts, filed on 16-07-2026

Current

Office holders in the KBO →

Signing authority

“als bestuurders voor orıbepaalde duur. Het betreft bezoldigde mandaten. Het bestuursorgaan is vanaf heden, 1 januari 2022, zodoende als…”

deed of 07-12-2022

Owners and capital

Owners

See the annual accounts at the National Bank and the publications in the Belgian Official Gazette.

Mandate history

3 people, 2 in office

All 3 In office 2 Ended 1

Board
began earlier

Mandates per person, with start and end dates
Name	Functions and periods
Katrien De Waele	Director, appointed in the act of 07-12-2022, still in office
Paul Van Looveren	Director, appointed in the act of 07-12-2022, still in office
Jolien Van Looveren	Director, until 01-10-2026

See the board, name and registered office on a given date →

Network & group

Holdings and subsidiaries

1 holding

CAPA - GENTsubsidiary
Sourceown accounts 2025
Equity €278,510 Loss of €59,902 in 2025 (loss of €156,757 in 2024) Checked score 65

100%

Board mandates elsewhere

1 board mandate

Board mandates of CBplusCBplus sits on their board1

CAPA - GENT

1 location

Companies at the same address

2 other companies

Connections & network

2 current directors

Depth

The board mandates are listed under Board mandates elsewhere. The network lets you explore the same ties.

This company Company Director Shareholding +N: links not shown yet

Timeline

Acts, filings and financial milestones

All 10Financial 2Gazette 3Filings 5

Deadline for the 2026 accounts: 31-07-2027

2026

21-10

Gazette deed Resignation: Jolien Van Looveren (director)

Power of attorney8 points ▸

General meeting, 12-10-2026
Director resignation, Jolien Van Looveren (director)
Board composition, Katrien De Waele (director)
Board composition, Paul Van Looveren (director)
Power of attorney, Moore Finance & Tax BV
Power of attorney, Delphine Rottey
Power of attorney, Marie Decloedt
Power of attorney, Charlotte Billiet

Open the act in the Belgian Official Gazette

16-07

NBB filing Annual accounts 2025 filedNBB

abbreviated format · 15 days before the deadline

2025

31-12

Financial Weakest financial yearnet -€529,546

The net result drops to -€529,546, the lowest from 2021 to 2025.

02-07

NBB filing Annual accounts 2024 filedPDF

abbreviated format · 29 days before the deadline

2024

25-07

NBB filing Annual accounts 2023 filedPDF

abbreviated format · 6 days before the deadline

2023

31-12

Financial Equity above €100,000equity €131,812 ▲90.1%

With a profit in every financial year since 2021, equity grows to €131,812.

17-07

NBB filing Annual accounts 2022 filedPDF

abbreviated format · 14 days before the deadline

2022

07-12

Gazette deed Appointments: Paul Van Looveren (director) and Katrien De Waele (director)

7 points ▸

General meeting, 27-06-2022
Director appointment, Paul Van Looveren (director)
Director appointment, Katrien De Waele (director)
Board composition, Jolien Van Looveren (director)
Board composition, Paul Van Looveren (director)
Board composition, Katrien De Waele (director)
Other provision, “volmachtovereenkomst vervanging, vervangt en vernietigt” (deed in Dutch)

Open the act in the Belgian Official Gazette

02-06

NBB filing Annual accounts 2021 filedPDF

abbreviated format · 59 days before the deadline

2021

22-10

Gazette deed IncorporationPDF

Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.

Sources:Publications in the Belgian Official Gazette Filings with the National Bank

History

CBplus was incorporated on 20 October 2021 as a private limited company.¹ Total assets fell from €900,755 in 2021 to €280,190 in 2025.²

Company details

Register details

Identity

KBO record

Name CBplus in Dutch

Enterprise number 0775.978.422

Legal form Private limited company

Status Active, normale toestand

Founded 20-10-2021

Entity type Legal entity

Registered office and establishments

Registered office Nieuwstraat 2, 9870 Zulte, Belgium

Establishment unit CBplus, Nieuwstraat 2, 9870 Zulte since 20-10-2021 · unit number 2.323.783.36963920 Other information service activities

Activities

NACEBEL 2025

64210 Activities of holding companies main activity

63920 Other information service activities

70200 Business and other management consultancy

73300 Public relations and communication consultancy

82100 Office administrative and support services

82990 Other business support services

Codes under NACEBEL 2008

64200 Holdings main activity

63990 Computing infrastructure, data processing, hosting and other information service activities

70210 Activities of head offices; management consultancy activities

70220 Business consulting

82110 Office administrative, office support and other business support activities

82990 Other business support services

Invoicing and payment

VAT number BE 0775.978.422

E-invoicing via Peppol

Reachable via Peppol

Peppol ID 0208:0775978422

Other Peppol ID 9925:BE0775978422

Registered 28-10-2025

Follow this company and you will hear the next morning if it leaves the Peppol register.

Financial year and general meeting

Accounts at the NBB

Financial year end 31-12

Sites & property

Location

registered office establishment The establishment unit on the map

3 companies at this address See who is registered here

Buildings and parcels at the address

Ground area

165 m²

Building footprint

112 m²

Building volume

581 m³

Cadastral parcel	Region	Area	Buildings	Height / floors
44050B1203/00C002	Flanders	164 m²	1 · 112 m²	9.2 m · 2

Overview

Overview

Official details

Board and ownership

Financial position

Checked score

Signals

Financials

Financials · financial year 2025, abbreviated format

Securities and guarantees

Investments

Board & ownership

Directors

Owners and capital

Owners

Mandate history

Network & group

Holdings and subsidiaries

Holdings 1

Board mandates elsewhere

Companies at the same address

Connections & network

Timeline

Acts, filings and financial milestones

History

Company details

Register details

Identity

Registered office and establishments

Activities

Invoicing and payment

Financial year and general meeting

Sites & property

Buildings and parcels at the address