CDA SCHILDERWERKEN
ActiveCDA SCHILDERWERKEN has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €329k and a net result of €78k. Equity is growing by ~20.5% per year across the filed fiscal years. Its solvency ranks better than 27% of 7760 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
Profitability76▲+4
Solvency50▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity tight (current ratio 1.27 against 1.2 in 2024; short-term debt: 52.8% and cash: 3.8% of total assets), and 74.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 43
Relative position
BE, all sectors
reference
Sector 43
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
25.3%
Return on assets
6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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 · 9 filingsDeviation from the deadline
2025
3 d late
2024
29 d late
2023
114 d late
2022
12 d early
2021
31 d late
2020
74 d late
2019
61 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€329k▼ 11.6%
2024 · €372k
2018: €46k
2019: €86k
2020: €157k
2021: €214k
2022: €335k
2023: €403k
2024: €372k
2018 → 2025
Total assets
€1.30M▼ 32.3%
2024 · €1.92M
2018: €122k
2019: €241k
2020: €439k
2021: €1.09M
2022: €1.24M
2023: €1.40M
2024: €1.92M
2018 → 2025
Net result
€78k▲ 65.2%
2024 · €47k
2018: €27k
2019: €77k
2020: €71k
2021: €46k
2022: €121k
2023: €67k
2024: €47k
2018 → 2025
Working capital
€184k▼ 21.9%
2024 · €236k
2018: €45k
2019: €71k
2020: €140k
2021: €122k
2022: €237k
2023: €356k
2024: €236k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€214k-€335k▲ 56.3%€403k▲ 20.1%€372k▼ 7.6%€329k▼ 11.6%
Operating result€62k-€183k▲ 194%€115k▼ 36.9%€77k▼ 33.6%€146k▲ 90.9%
Net result€46k-€121k▲ 165%€67k▼ 44.1%€47k▼ 30.4%€78k▲ 65.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 91% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.30M
Fixed assets
€429k▼ 12.2%
Current assets
€869k▼ 39.1%
Equity and liabilities €1.30M
Equity
€329k▼ 11.6%
Debt
€969k▼ 37.2%
The debt ratio falls from 80.6% to 74.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€214k▲
2024 · €130k
Cash flow
€146k▲
2024 · €101k
Solvency
25.3%▲
2024 · 19.4%
Current ratio
1.27▲
2024 · 1.20
Quick ratio
1.04▼
2024 · 1.06
Debt / equity
2.95▼
2024 · 4.15
ROE
23.6%▲
2024 · 12.6%
ROA
6.0%▲
2024 · 2.5%
Interest coverage
5.94▼
2024 · 10.87
Debt
€969k▼
2024 · €1.54M
Debt ≤ 1 year
€685k▼
2024 · €1.19M
Debt > 1 year
€284k▼
2024 · €352k
Income taxes
€36k▲
2024 · €23k
Staff costs
€699k▲
2024 · €510k
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€1.92M€1.30M▼
Fixed assets21/28€488k€429k▼
Intangible fixed assets21€365-
Tangible fixed assets22/27€486k€427k▼
Land and buildings22€326k€305k▼
Plant, machinery and equipment23€20k€15k▼
Furniture and vehicles24€137k€106k▼
Leasing and similar rights25€3k-
Financial fixed assets28€2k€2k=
Current assets29/58€1.43M€869k▼
Stocks and contracts in progress3€163k€156k▼
Stocks30/36€163k€156k▼
Amounts receivable within one year40/41€1.19M€657k▼
Trade receivables40€966k€555k▼
Other amounts receivable41€223k€102k▼
Cash at bank and in hand54/58€70k€49k▼
Deferred charges and accrued income490/1€5k€6k▲
Equity and liabilities
Total equity and liabilities10/49€1.92M€1.30M▼
Equity10/15€372k€329k▼
Contributions10/11€19k€19k=
Reserves13€237k€194k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€235k€192k▼
Profit (loss) carried forward14€116k€116k=
Amounts payable17/49€1.54M€969k▼
Amounts payable after more than one year17€352k€284k▼
Financial debts170/4€352k€284k▼
Amounts payable within one year42/48€1.19M€685k▼
Current portion of amounts payable after more than one year42€73k€74k▲
Financial debts43€21k€275k▲
Credit institutions430/8€21k€275k▲
Trade debts44€981k€168k▼
Suppliers440/4€981k€168k▼
Taxes, remuneration and social security45€76k€48k▼
Taxes450/3€31k€5k▼
Remuneration and social security454/9€46k€43k▼
Other amounts payable47/48€41k€121k▲
Income statement
Code20242025
Remuneration, social security and pensions62€510k€699k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€54k€68k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€37k
Other operating charges640/8€9k€13k▲
Gross operating margin9900€650k€963k▲
Operating profit (loss)9901€77k€146k▲
Financial income75/76B€5k€4k▼
Recurring financial income75€5k€4k▼
Financial charges65/66B€12k€36k▲
Recurring financial charges65€12k€36k▲
Profit (loss) for the period before taxes9903€70k€114k▲
Income taxes67/77€23k€36k▲
Profit (loss) for the period9904€47k€78k▲
Profit (loss) for the period to be appropriated9905€47k€78k▲
Appropriation of the result
Profit (loss) to be appropriated9906€163k€194k▲
Profit (loss) brought forward from the previous period14P€116k€116k=
Transfer from equity791/2€78k€121k▲
Transfer to equity691/2€47k€78k▲
To other reserves6921€47k€78k▲
Profit to be distributed694/7€78k€121k▲
Return on contributions (dividend)694€78k€121k▲
Social balance
Average headcount (FTE)908711.312.7▲
The notes to these accounts (13 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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 3 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
22-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 114 days late
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €121k ▲165%
Operating result €183k, net result €121k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €200kEq €214k ▲37%
4 profitable years in a row build equity to €214k.
13-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 74 days late
2020
31-12
Financial
Equity above €150kEq €157k ▲82.9%
3 profitable years in a row build equity to €157k.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
13-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 44 days late
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Antwerpen · 1 establishment unit since 2016
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.
Tweemontstraat 66-702100 AntwerpenGround area
1.5 ha
Building footprint
1,114 m²
Volume, LiDAR
6,741 m³
Parcel 11012A0127/00E012, Flanders · tallest building 9.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CDA Schilderwerken
since 20162.258.749.720
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11012A0127/00E012 | Flanders | 1.5 ha | 1 · 1,114 m² | 9.1 m · 3 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.
Recognitions · licences · registrations
Recognised contractor
8 categoriesCDA SCHILDERWERKEN BV41379
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Of 7,862 companies in sector 43341 we hold annual accounts for 2,664. 1,775 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-05-2016
Fiscal year end31-12
Activities, NACEBEL
43341Painting of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.