CD BOUW
ActiveCD BOUW has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €444k and a net result of €-26k. Equity is growing by ~3% per year across the filed fiscal years. Its solvency ranks better than 70% of 7332 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability14▼-2
Solvency88▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.34 against 2.41 in 2024; short-term debt: 37.3% and cash: 83.7% of total assets), and 37.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-26k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-01-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
1 d early
2023
40 d early
2022
54 d early
2021
on the day
2020
2 d early
2019
21 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€444k▼ 5.5%
2024 · €469k
2019: €340k
2020: €413k
2021: €489k
2022: €504k
2023: €485k
2024: €469k
2019 → 2025
Total assets
€707k▼ 3.0%
2024 · €729k
2019: €993k
2020: €1.12M
2021: €1.17M
2022: €1.16M
2023: €1.13M
2024: €729k
2019 → 2025
Net result
€-26k▼ 62.5%
2024 · €-16k
2019: €98k
2020: €73k
2021: €76k
2022: €15k
2023: €-19k
2024: €-16k
2019 → 2025
Working capital
€354k▼ 3.6%
2024 · €368k
2019: €132k
2020: €233k
2021: €335k
2022: €370k
2023: €371k
2024: €368k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€489k-€504k▲ 3.1%€485k▼ 3.7%€469k▼ 3.3%€444k▼ 5.5%
Operating result€114k-€32k▼ 71.6%€-18k€-16k▲ 12.9%€-27k▼ 65.6%
Net result€76k-€15k▼ 80.1%€-19k€-16k▲ 16.5%€-26k▼ 62.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €27k in 2025 against €16k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €707k
Fixed assets
€89k▼ 12.2%
Current assets
€618k▼ 1.5%
Equity and liabilities €707k
Equity
€444k▼ 5.5%
Debt
€264k▲ 1.5%
The debt ratio rises from 35.6% to 37.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-14k▼
2024 · €-4k
Cash flow
€-13k▼
2024 · €-3k
Solvency
62.7%▼
2024 · 64.4%
Current ratio
2.34▼
2024 · 2.41
Quick ratio
2.34▼
2024 · 2.38
Debt / equity
0.59▲
2024 · 0.55
ROE
-5.8%▼
2024 · -3.4%
ROA
-3.6%▼
2024 · -2.2%
Interest coverage
-38.68▼
2024 · -7.73
Debt
€264k▲
2024 · €260k
Debt ≤ 1 year
€264k▲
2024 · €260k
Income taxes
€130▲
2024 · €126
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€729k€707k▼
Fixed assets21/28€102k€89k▼
Tangible fixed assets22/27€102k€89k▼
Land and buildings22€93k€81k▼
Other tangible fixed assets26€9k€8k▼
Current assets29/58€627k€618k▼
Stocks and contracts in progress3€10k-
Contracts in progress37€10k-
Amounts receivable within one year40/41€34k€26k▼
Trade receivables40€30k€19k▼
Other amounts receivable41€4k€6k▲
Cash at bank and in hand54/58€583k€592k▲
Deferred charges and accrued income490/1€792€799▲
Equity and liabilities
Total equity and liabilities10/49€729k€707k▼
Equity10/15€469k€444k▼
Contributions10/11€12k€12k=
Reserves13€491k€491k=
Non-distributable reserves130/1€39k€39k=
Reserves not available under the articles1311€39k€39k=
Distributable reserves133€452k€452k=
Profit (loss) carried forward14€-35k€-60k▼
Amounts payable17/49€260k€264k▲
Amounts payable within one year42/48€260k€264k▲
Trade debts44€10k€7k▼
Suppliers440/4€10k€7k▼
Taxes, remuneration and social security45€4k-
Taxes450/3€2k-
Remuneration and social security454/9€2k-
Other amounts payable47/48€246k€257k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k=
Other operating charges640/8€3k€3k▲
Gross operating margin9900€-934€-11k▼
Operating profit (loss)9901€-16k€-27k▼
Financial income75/76B€866€1k▲
Recurring financial income75€866€1k▲
Financial charges65/66B€472€367▼
Recurring financial charges65€472€367▼
Profit (loss) for the period before taxes9903€-16k€-26k▼
Income taxes67/77€126€130▲
Profit (loss) for the period9904€-16k€-26k▼
Profit (loss) for the period to be appropriated9905€-16k€-26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-35k€-60k▼
Profit (loss) brought forward from the previous period14P€-19k€-35k▼
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
2026
27-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €-26k
Net result drops to €-26k, the lowest in the series.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
22-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
08-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Equity above €500kEq €504k ▲3.1%
4 profitable years in a row build equity to €504k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
21-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
29-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Evergem · 1 establishment unit since 2003
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.
Varendonk 259940 EvergemGround area
1,027 m²
Building footprint
249 m²
Volume, LiDAR
1,298 m³
Parcel 44066D0322/00C000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CD BOUW
since 20032.134.305.549
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44066D0322/00C000 | Flanders | 1,027 m² | 1 · 249 m² | 7.7 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 1,388 EUR awarded · 1,388 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 1,388 EUR | 1,388 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Similar companies · same sector, comparable size
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Of 29,808 companies in sector 41001 we hold annual accounts for 16,038. 9,675 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded18-09-2003
Fiscal year end30-06
Activities, NACEBEL
41001General construction of residential buildings
45211
41003General construction of other non-residential buildings
43110Demolition
43211General electrical installation work
43221Plumbing work
43990Other specialised construction activities
43999Specialised construction activities
45111
45213
45250
45310
45332
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.