CCM Express

Active

Private limited companyfounded 20188 yrs activeDuivenmelkersstraat 163, 1070 Anderlecht, BelgiumKBO/BCE: BE 0694.551.672

Summary

The computed 12-month bankruptcy probability of CCM Express is 2.9% (moderate). The 2024 annual accounts show equity of €20k and a net result of €-1k. Equity is growing by ~20.8% per year across the filed fiscal years. Its solvency ranks better than 57% of 36375 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

55 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability19▼-76

Solvency78▼-3

Growth52▼-26

Track record100

Bankruptcy probability, 12 months

2.9% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days acceptable

Liquidity ample (current ratio 2.01 against 2.2 in 2023; short-term debt: 47.3% and cash: 62.9% of total assets), and 47.3% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

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

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

52.7%

Return on assets

-2.9%

Age of the figures

21 mo

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-06-2025, 43 days ahead of the deadline.

NBB · 7 filings

Deviation from the deadline

2025

not confirmed

2024

43 d early

2023

56 d early

2022

39 d early

2021

5 d late

2020

22 d early

2019

53 d early

← before the deadline after the deadline →

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€-1k

2023 · €8k

2018: €49 2019: €8k 2020: €16k 2021: €6k 2022: €-1k 2023: €8k

2018 → 2024

Working capital

€18k▼ 8.7%

2023 · €20k

2018: €-1k 2019: €9k 2020: €25k 2021: €14k 2022: €13k 2023: €20k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€25k-€15k▼ 41.9%€13k▼ 8.3%€22k▲ 60.3%€20k▼ 5.2%

Operating result€16k-€11k▼ 31.7%€-363€11k€-348

Net result€16k-€6k▼ 62.4%€-1k€8k€-1k

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2024: a loss of €348 after €11k in 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €39k

95.0%

Fixed assets €2k ▲ 48.3%

Current assets €37k ▼ 1.0%

Equity and liabilities €39k

52.7%

47.3%

Equity €20k ▼ 5.2%

Debt €18k ▲ 8.2%

Debt's share of the balance-sheet total rises from 44.0% to 47.3%. Equity is lower and debt is higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€90▼

2023 · €11k

Cash flow

€-693▼

2023 · €8k

Current ratio

2.01▼

2023 · 2.20

Debt to equity

0.90▲

2023 · 0.79

ROE

-5.5%▼

2023 · 37.6%

ROA

-2.9%▼

2023 · 21.1%

Interest coverage

0.52▼

2023 · 67.60

Debt ≤ 1 year

€18k▲

2023 · €17k

Income taxes

€625▼

2023 · €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 · 2024 against 2023 · 44 lines

Balance sheet Code20232024

Assets

Total assets20/58€38k€39k▲

Fixed assets21/28€1k€2k▲

Tangible fixed assets22/27€968€2k▲

Plant, machinery and equipment23€968€2k▲

Financial fixed assets28€350€350=

Current assets29/58€37k€37k▼

Amounts receivable after more than one year29€9k€8k▼

Other amounts receivable291€9k€8k▼

Amounts receivable within one year40/41€18k€4k▼

Trade receivables40€17k€2k▼

Other amounts receivable41€1k€1k▲

Cash at bank and in hand54/58€9k€24k▲

Deferred charges and accrued income490/1€237€924▲

Equity and liabilities

Total equity and liabilities10/49€38k€39k▲

Equity10/15€22k€20k▼

Contributions10/11€1k€1k=

Outside capital11€1k€1k=

Other1109/19€1k€1k=

Reserves13€2k€2k=

Distributable reserves133€2k€2k=

Profit (loss) carried forward14€18k€17k▼

Amounts payable17/49€17k€18k▲

Amounts payable within one year42/48€17k€18k▲

Trade debts44€5k€8k▲

Suppliers440/4€5k€8k▲

Taxes, remuneration and social security45€6k€6k▼

Taxes450/3€4k€4k▼

Remuneration and social security454/9€2k€3k▲

Other amounts payable47/48€6k€4k▼

Accrued charges and deferred income492/3€0-

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45€438▲

Other operating charges640/8€745€643▼

Gross operating margin9900€12k€733▼

Operating profit (loss)9901€11k€-348▼

Financial income75/76B€204€15▼

Recurring financial income75€204€15▼

Financial charges65/66B€165€173▲

Recurring financial charges65€165€173▲

Profit (loss) for the period before taxes9903€11k€-506▼

Income taxes67/77€3k€625▼

Profit (loss) for the period9904€8k€-1k▼

Profit (loss) for the period to be appropriated9905€8k€-1k▼

Appropriation of the result

Profit (loss) to be appropriated9906€18k€17k▼

Profit (loss) brought forward from the previous period14P€10k€18k▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 12Financial 4Gazette 1Filings 7

2026

09-09

State Gazette act Resignations & appointments

Purpose change · Name change3 facts ▸

General meeting, 04-09-2026
Purpose change, Ajout de nouvelles activités : transport de personnes et de choses, location de véhicules, prestation de chauffeurs, création et organisation d'événement, agent…
Name change, CCM Express

2025

18-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

05-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Back to profitnet €8k

Net result €8k after one loss-making year.

22-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Weakest financial yearnet €-1k ▼120%

Net result drops to €-1k, the lowest in the series; recovery starts the following year.

05-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 5 days late

2021

09-07

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

31-12

Financial Highest result since 2018net €16k ▲90.7%

Operating result €16k, net result €16k, both a record.

08-06

NBB filing Annual accounts filed

fiscal year 2019 · full schema

2019

31-12

Financial Liquidity doublescurrent ratio 1.88

Current ratio from 0.87 to 1.88.

24-06

NBB filing Annual accounts filed

fiscal year 2018 · full schema

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

6 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.

Location & real-estate footprint

Registered office, Anderlecht · 1 establishment unit since 2018

establishment The establishment unit on the map

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.

Duivenmelkersstraat 1631070 Anderlecht

Ground area

112 m²

Building footprint

73 m²

Volume, LiDAR

386 m³

Parcel 21306D0118/00S002, Brussels · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

CLOISONS CM

Duivenmelkersstraat 163, 1070 AnderlechtCutting, shaping and finishing of stone

since 20182.275.348.992

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21306D0118/00S002	Brussels	112 m²	1 · 73 m²	10.1 m · 2 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.

Similar companies · same sector, comparable size

JOHN ART CONSTRUCT

BE 0805.862.637

Sint-Pieters-Leeuw · Eq €20,397

Rixensart · Eq €20,460

Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,235 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

Founded09-04-2018

Fiscal year end31-12

Activities, NACEBEL 2025

43990Other specialised construction activities

Sources

Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.