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Generated 13-08-2026
Active BE 0448.859.877Public limited company

CD - INVEST

Rozenlaan 34 ·2970 Schilde, Belgium· 33 yrs active
Sector: Bemiddeling in verband met exploitatie van en handel in onroerend goed (68310)
Conclusion Checked

The computed 12-month bankruptcy probability of CD - INVEST is 0.2% (very low). The 2025 annual accounts show equity of €2.22M and a net result of €199k. Equity is growing by ~14.6% per year across the filed fiscal years. Its solvency ranks better than 81% of 528 sector peers (fiscal year 2025). The company has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.
Key figures
Equity €2.22M
Net result €199k
Staff (FTE) 12
Better than sector 81%
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health86Profitability45Solvency100Growth78Stability100
82 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 86
Profitability 45
Solvency 100
Growth 78
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.2% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Multiple establishment units +Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1992, 33 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2025 · computed
86 / 100 Excellent
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 04-11-2025 with the NBB · fiscal year 2025 · verkort
€0€250k€500k€750k€1.00MOperating result 2021: €253k€253kNet result 2021: €163k€163kOperating result 2022: €952k€952kNet result 2022: €690k€690kOperating result 2023: €197k€197kNet result 2023: €95k€95kOperating result 2024: €329k€329kNet result 2024: €236k€236kOperating result 2025: €298k€298kNet result 2025: €199k€199k20212022202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~14.6%/year over 7 fiscal years, indicative, assuming unchanged policy.
€0€1.00M€2.00M€3.00M2026: €2.51M (€2.33M - €2.69M)2027: €2.76M (€2.58M - €2.94M)2028: €3.01M (€2.82M - €3.19M)2019: €784k2020: €834k2021: €997k2022: €1.69M2023: €1.78M2024: €2.02M2025: €2.22M2019202020212022202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 68, Real estate activities · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 61.6% 16.2%
better than 81% of 528 sector peers
Net result €199k €6k
better than 87% of 528 sector peers
Equity €2.22M €152k
better than 86% of 528 sector peers
Gross operating margin €1.61M €78k
better than 95% of 527 sector peers
Staff costs €1.17M €69k
higher than 95% of 80 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€427k
-4.7% 19-25
Net profit
€199k
-15.6% 19-25
Cash flow
€328k
-7.7% 19-25
Total assets
€3.60M
+10.7% 19-25
Equity
€2.22M
+9.9% 19-25
Working capital
€901k
-36.8% 19-25
Employees (FTE)
12
0.0% 19-25
Staff costs
€1.17M
+15.7% 19-25
Income taxes
€93k
-24.6% 19-25
Debt
€1.19M
+14.5% 19-25
Debt ≤ 1y
€329k
-14.1% 19-25
Debt > 1y
€862k
+31.2% 19-25
Current ratio
3.74
-20.8% 19-25
Quick ratio
3.74
-20.8% 19-25
Solvency
61.6%
-0.7% 19-25
Debt / equity
0.54
+4.2% 19-25
ROE
9.0%
-23.2% 19-25
ROA
5.5%
-23.8% 19-25
Interest coverage
9.98
-25.2% 19-25
Figures by fiscal year
Fiscal year2025
Depositverkort
Revenue-
EBITDA€427k
Net profit€199k
Cash flow€328k
Staff costs€1.17M
Income taxes€93k
Dividends-
Total assets€3.60M
Equity€2.22M
Debt€1.19M
of which ≤ 1y€329k
of which > 1y€862k
Working capital€901k
Employees (FTE)12.0
Ratios (computed)
2025
Current ratio3.74
Quick ratio3.74
Working capital ratio25.0%
Solvency61.6%
Debt / equity0.54
Long-term debt ratio0.39
Interest coverage9.98
Gross margin-
Net margin-
ROA5.5%
ROE9.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€3.60M
Fixed assets 21/28€2.37M
Tangible fixed assets 22/27€1.87M
Financial fixed assets 28€502k
Current assets 29/58€1.23M
Amounts receivable within one year 40/41€227k
Investments 50/53€492k
Cash & bank 54/58€512k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€3.60M
Equity 10/15€2.22M
Contributions / capital 10/11€357k
Reserves 13€1.86M
Provisions & deferred taxes 16€191k
Amounts payable 17/49€1.19M
Amounts payable after one year 17€862k
Amounts payable within one year 42/48€329k
Trade debts payable within one year 44€110k
Income statement
Gross operating margin 9900€1.61M
Operating result 9901€298k
Financial income 75€33k
Financial charges 65€43k
Result before taxes 9903€289k
Income taxes 67/77€93k
Net result for the period 9904€199k
Result to be appropriated 9905€208k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 2 directors
Current directors & mandates
  • Thomas Decorte
    Managing director
    State Gazette act 25084297 (07-07-2025)
    Current
    01-06-2025 → present
Former directors (1)
  • Moira Decorte
    Director
    State Gazette act 25084297 (07-07-2025)
    Former
    - → 01-06-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Bemiddeling in verband met exploitatie van en handel in onroerend goed(68310)
Legal form Public limited company(014)
Incorporation07-12-1992
StatusActive
Postal code2970
Establishment units 3 locations
CD-Invest
Rozenlaan 34, 2970 SchildeBemiddeling bij de aankoop, verkoop en verhuur van onroerend goed
since 20132.236.553.447
CD-Invest
Schaarbeekstraat(MEL) 20 E, 9120 Beveren-Kruibeke-ZwijndrechtUitgeven van overige software
since 20262.390.483.341
CD - INVEST
Ledeganckkaai 31, 2000 AntwerpenOntwerpen van computerprogramma’s
since 20262.391.352.084
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 3 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
46016D1359/00B000 Flanders 1.2 ha 1 · 3,502 m² 12.0 m · 3 fl.
11811L3917/00Z002 Flanders 7,138 m² 1 · 22 m² -
11041C0305/00B002 Flanders 2,465 m² 1 · 292 m² 12.2 m · 3 fl.
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
04-11-2025
NBB filing Annual accounts filed
fiscal year 2025 · verkort
07-07-2025
State Gazette act Minor change
Officer designation
2024
20-09-2024
NBB filing Annual accounts filed
fiscal year 2024 · verkort
2023
07-11-2023
NBB filing Annual accounts filed
fiscal year 2023 · verkort
2022
04-10-2022
NBB filing Annual accounts filed
fiscal year 2022 · verkort
2021
25-10-2021
NBB filing Annual accounts filed
fiscal year 2021 · verkort
2020
06-11-2020
NBB filing Annual accounts filed
fiscal year 2020 · verkort
2019
05-11-2019
NBB filing Annual accounts filed
fiscal year 2019 · verkort
2018
27-11-2018
NBB filing Annual accounts filed
fiscal year 2018 · verkort
2017
27-11-2017
NBB filing Annual accounts filed
fiscal year 2017 · verkort
2016
28-11-2016
NBB filing Annual accounts filed
fiscal year 2016 · verkort
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2025
07-07-2025 Publication in the Belgian Official Gazette, Minor change Minor change
Summary: Officer designation
Technical details 
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  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2025-07-07",
    "filing_date": "2025-06-24",
    "act_kind_objet": "Benoemingen"
  },
  "decision": {
    "body": "algemene_vergadering",
    "date": "2025-05-14",
    "unanimous": null
  },
  "agm_change": null,
  "detected_kind": "officer_designation",
  "other_address": null,
  "mandate_renewal": null,
  "subject_company": {
    "kbo": "0448.859.877",
    "name_full": "CD-INVEST",
    "legal_form": "NV"
  },
  "accounts_deposit": null,
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Koen Decorte",
    "org_rep_person_name": null
  },
  "co_filed_documents": [
    "verslag van het bestuursorgaan dd. 14/05/2025",
    "notulen van de algemene vergadering dd. 14/05/2025"
  ],
  "fiscal_year_change": null,
  "liquidation_closure": null,
  "officer_designation": {
    "role": "secretaris_adjoint",
    "organ": "bestuursorgaan",
    "person_name": "Thomas Decorte"
  },
  "special_procuration": null,
  "is_volet_a_only_stub": true,
  "vakbekwaamheid_change": null,
  "should_reroute_to_category": null,
  "single_shareholder_declaration": null
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Ontwerpen en programmeren van computerprogramma's62010Ontwerpen van computerprogramma’s62100Bemiddeling in verband met exploitatie van en handel in onroerend goed68310Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis68311Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed70311Overige advisering in verband met programmatuur en levering van programmatuur72220Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Overige adviesbureaus op het gebied van bedrijfsvoering en beheer74142
Primary activity highlighted.
Names & trade names
Legal nameNL CD - INVEST
Registered office
Rozenlaan 34
2970 Schilde, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative