CCB
ActiveCCB has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €303k and a net result of €10k. Equity is growing by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 51% of 13936 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability42▲+42
Solvency56▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 2.18 against 2.38 in 2024; short-term debt: 10.2% and cash: 3.4% of total assets), but 69% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
31%
Return on assets
1%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 10 filingsDeviation from the deadline
2025
24 d late
2024
31 d late
2023
28 d late
2022
61 d late
2021
30 d late
2020
91 d late
2018
29 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€303k▼ 18.9%
2024 · €373k
2018: €86k
2020: €225k
2021: €285k
2022: €397k
2023: €579k
2024: €373k
2018 → 2025
Total assets
€976k▼ 15.4%
2024 · €1.15M
2018: €358k
2020: €561k
2021: €594k
2022: €708k
2023: €1.14M
2024: €1.15M
2018 → 2025
Net result
€10k
2024 · €-206k
2018: €36k
2020: €87k
2021: €60k
2022: €112k
2023: €182k
2024: €-206k
2018 → 2025
Working capital
€118k▼ 42.8%
2024 · €206k
2018: €13k
2020: €101k
2021: €146k
2022: €249k
2023: €338k
2024: €206k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€285k-€397k▲ 39.3%€579k▲ 46.0%€373k▼ 35.6%€303k▼ 18.9%
Operating result€87k-€160k▲ 84.1%€258k▲ 61.4%€-189k€39k
Net result€60k-€112k▲ 87.9%€182k▲ 62.8%€-206k€10k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €39k after a loss of €189k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €976k
Fixed assets
€759k▼ 5.0%
Current assets
€217k▼ 38.7%
Equity and liabilities €976k
Equity
€303k▼ 18.9%
Debt
€673k▼ 13.7%
The debt ratio rises from 67.7% to 69.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€79k▲
2024 · €-154k
Cash flow
€49k▲
2024 · €-171k
Solvency
31.0%▼
2024 · 32.3%
Current ratio
2.18▼
2024 · 2.38
Quick ratio
1.77▼
2024 · 1.95
Debt / equity
2.23▲
2024 · 2.09
ROE
3.2%▲
2024 · -55.3%
ROA
1.0%▲
2024 · -17.9%
Interest coverage
2.66▲
2024 · -8.67
Debt
€673k▼
2024 · €780k
Debt ≤ 1 year
€100k▼
2024 · €149k
Debt > 1 year
€574k▼
2024 · €631k
Income taxes
€77▼
2024 · €180
Staff costs
€71k▲
2024 · €46k
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€1.15M€976k▼
Fixed assets21/28€799k€759k▼
Tangible fixed assets22/27€798k€759k▼
Land and buildings22€778k€743k▼
Furniture and vehicles24€4k€938▼
Other tangible fixed assets26€16k€15k▼
Financial fixed assets28€212-
Current assets29/58€355k€217k▼
Stocks and contracts in progress3€65k€41k▼
Stocks30/36€65k€41k▼
Amounts receivable within one year40/41€235k€144k▼
Trade receivables40€9k€8k▼
Other amounts receivable41€225k€136k▼
Cash at bank and in hand54/58€52k€33k▼
Deferred charges and accrued income490/1€3k-
Equity and liabilities
Total equity and liabilities10/49€1.15M€976k▼
Equity10/15€373k€303k▼
Contributions10/11€14k€14k=
Reserves13€160k€80k▼
Distributable reserves133€160k€80k▼
Profit (loss) carried forward14€199k€208k▲
Amounts payable17/49€780k€673k▼
Amounts payable after more than one year17€631k€574k▼
Financial debts170/4€631k€574k▼
Amounts payable within one year42/48€149k€100k▼
Current portion of amounts payable after more than one year42€44k€55k▲
Trade debts44€28k-
Suppliers440/4€28k-
Taxes, remuneration and social security45€78k€45k▼
Taxes450/3€67k€34k▼
Remuneration and social security454/9€11k€11k▼
Income statement
Code20242025
Remuneration, social security and pensions62€46k€71k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€40k▲
Other operating charges640/8€4k€5k▲
Non-recurring operating charges66A€58€2k▲
Gross operating margin9900€-104k€157k▲
Operating profit (loss)9901€-189k€39k▲
Financial income75/76B€968€109▼
Recurring financial income75€968€109▼
Financial charges65/66B€18k€30k▲
Recurring financial charges65€18k€30k▲
Profit (loss) for the period before taxes9903€-206k€10k▲
Income taxes67/77€180€77▼
Profit (loss) for the period9904€-206k€10k▲
Profit (loss) for the period to be appropriated9905€-206k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€199k€208k▲
Profit (loss) brought forward from the previous period14P€405k€199k▼
Transfer from equity791/2-€80k
Profit to be distributed694/7-€80k
Return on contributions (dividend)694-€80k
The notes to these accounts (6 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Weakest financial yearnet €-206k ▼213%
Net result drops to €-206k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Highest result since 2018net €182k ▲62.8%
Operating result €258k, net result €182k, both a record.
31-12
Financial
Equity above €500kEq €579k ▲46%
5 profitable years in a row build equity to €579k.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 91 days late
2020
31-12
Financial
Equity above €200kEq €225k ▲163%
2 profitable years in a row build equity to €225k.
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
13-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
27-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
3 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, Charleroi · 2 establishment units since 2012
Ground area
1,542 m²
Building footprint
334 m²
Volume, LiDAR
4,771 m³
2 parcels, Wallonia · tallest building 23.3 m, ±7 floors. Linked by address, not a title deed.
2 establishment units
Rue Seraphin Anthoine 38, 6032 Charleroi
since 20122.209.621.396
HOME 25
since 20202.309.730.148
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52352B0436/00F000 | Wallonia | 1,355 m² | 1 · 176 m² | 9.6 m · 3 fl. |
| 52011C0157/00R000 | Wallonia | 186 m² | 1 · 158 m² | 23.3 m · 7 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 6,501 companies in sector 47716 we hold annual accounts for 2,440. 1,630 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-04-2012
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:ccb.gestion@gmail.com