Result
€55,211 €55,211
Back in profit in 2025, after a loss of €11,807 in 2024.
CDB
Lifetime
15 annual accounts with figures on one time axispeak €501,890 (2022)
€442,494▲ 34.5%
lowest -€101,171 (2017)
€55,211▲ €67,018
peak €728,485 (2025)
€728,485▲ 8.2%
€2.4m▼ 11.5%
peak 4.8 FTE (2024)
4.5 FTE▼ 6.3%
Board5 names since 2010
2 directorsDhondt Frederik and 1 other
Owners
Documentsfilings and deeds
31-10-2025on the last day
2025abbreviated format
Gross margin from €328,921 to €442,494Back to profit: €55,211Cash from €117,488 to €71,649
Key points
from the 2025 annual accountsTurnover
≈ €1.9m estimated
The abbreviated format states no turnover.
Debts
€2.4m 77% of the balance sheet
Financial debts 49%Suppliers 42%Taxes and wages 4%Other 5%
€860,229 of the debts are secured on the company's own assets. In 2022 that was €793,122.
Staff
4 employees on 31-03-2025
In 2025, 8 people joined and 8 left.
Filings
15 annual accounts 9 days past the deadline
2026 accounts not filed: deadline was 31-10-2026.
Position in the sector
€728,485
More equity than 80% of companies in retail trade. Sector median €235,861 · 12,863 companies.
Checked score
53
Fair
Financially stronger than 39% of micro companies in retail trade (NACE 47)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.0% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,275 companies (NACE 47, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.5%
01-2025: 0.5%● unchanged vs 12-2024
02-2025: 0.5%● unchanged vs 01-2025
03-2025: 0.5%● unchanged vs 02-2025
04-2025: 0.5%● unchanged vs 03-2025
05-2025: 0.5%● unchanged vs 04-2025
06-2025: 0.6%▲ +0.1 percentage points vs 05-2025
07-2025: 0.7%▲ +0.1 percentage points vs 06-2025
08-2025: 0.7%● unchanged vs 07-2025
09-2025: 1.0%▲ +0.3 percentage points vs 08-2025
10-2025: 1.3%▲ +0.3 percentage points vs 09-2025
11-2025: 2.1%▲ +0.8 percentage points vs 10-2025highest value
12-2025: 0.5%▼ -1.6 percentage points vs 11-2025lowest value
01-2026: 0.5%● unchanged vs 12-2025lowest value
02-2026: 0.5%● unchanged vs 01-2026lowest value
03-2026: 0.5%● unchanged vs 02-2026lowest value
04-2026: 0.5%● unchanged vs 03-2026lowest value
05-2026: 0.5%● unchanged vs 04-2026
06-2026: 0.6%▲ +0.1 percentage points vs 05-2026
07-2026: 0.6%● unchanged vs 06-2026
08-2026: 0.6%● unchanged vs 07-2026
09-2026: 0.9%▲ +0.3 percentage points vs 08-2026
10-2026: 1.8%▲ +0.9 percentage points vs 09-2026
11-2026: 2.0%▲ +0.2 percentage points vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Figures for financial year 2025 (filed on 01-11-2025)
Liquidity: current ratio 1.34, cash €71,649
Sector: Retail trade (NACE 47)
Equity €728,485 (22.9% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 39% of them on solvency, 25% on liquidity, 34% on profitability and 58% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-03-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 4,508 companies had the same profile as CDB has now. Each dot stands for 12 companies, two years later.
96.9%
were still trading
1.6%
stopped another way
1.4%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of CDB itself is higher: 2.0% within 12 months. It rests on far more data about CDB than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 4,508 companies, not a prediction for CDB. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €35,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.34 (1.29 in 2024), below the usual 1.5. Short-term debt is 51% and cash 2.3% of total assets. 77.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
raises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
not filed
2025
on the day
2024
on the day
2023
4 days early
2022
4 days early
2021
10 days early
2020
30 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 2 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (1)
Board and ownership
DF
Dhondt Frederik
Director, since 16-04-2010
- Wolfbeck Holding 25%equity €33,199 (2025) · 2025 annual accounts of Wolfbeck Holding
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0825369931
Resignation: Stefaan DHONDT (director)
Permanent representative: Wouter DE BECK · Director discharge: Stefaan DHONDT · General meeting of 31-01-2023 · Gazette deed
New director
WOLFBECK HOLDING BV appointed, Wouter DE BECK resigned · Permanent representative: Wouter DE BECK · Director discharge: Wouter DE BECK · General meeting of 28-04-2021 · Gazette deed
Resignation: Sven Dhondt (director)
General meeting of 14-08-2020 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CDB Knokke-Heist | €3.2m | €442,494 | 22.9% | 4.5 |
| CHAI & BAR Uccle | €3.2m | €515,448 | 63.5% | 4 |
| CENTRALE EUROPÉENNE DES VINS Antwerp | €3.7m | €711,841 | 21.2% | 6.5 |
| BRASSERIE CAULIER EXPERIENCE Péruwelz | €1.6m | €315,638 | 0.8% | 4.7 |
| FULL TACTICAL Bastogne | €1.5m | €387,326 | 44.4% | 5.1 |
| Le Comptoir des Vins Welkenraedt | €1.6m | €635,879 | 32.4% | 6.3 |
| The 3 G Knokke-Heist | €1.7m | €372,589 | 11.6% | 4.7 |
These companies have the same main activity as CDB: retail sale of wines and spirits (NACE 47251). They are comparable in size and age: total assets between €1.5m and €3.7m, founded between 1997 and 2012.
Official details
Source: KBO- Status
- Active since 20-04-2010Normal situation
- Activity
- Retail sale of wines and spiritsNACE 47251and 2 others
- Joint committees
- 200Auxiliary committee for white-collar workers
- 201Independent retail · annual accounts 31-03-2025
- Establishment units
- 2.187.100.2738301 Knokke-Heist, since 27-04-2010
- 2.197.859.2568300 Knokke-Heist, since 15-12-2010and 1 other
- Financial year end
- 31 March
- Peppol
- Reachable since 22-04-2026
Annual accounts to 31-03-2025
- €3.2m▼ 7.6%
- Employeeson 31-03-2025
- 4=
- Filing
- Filed on 31-10-2025
Insights on CDB
CDB files the abbreviated format. That format states no turnover. The gross margin rose from €59,936 in 2011 to €442,494 in 2025.
The balance sheet grew most from 2015 to 2017 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CDB
- What is the company number of CDB?
- The company number of CDB is 0825.369.931. The VAT number is the same number with BE in front: BE 0825.369.931.
- Where is CDB based?
- The registered office is at Koningslaan 234, 8300 Knokke-Heist.Company details
- What does CDB do?
- According to the KBO register, the main activity is retail sale of wines and spirits (NACE 47251).
- What is the legal form of CDB?
- CDB is a private limited company (pre-2019) (BVBA).
- When was CDB founded?
- CDB was founded on 20-04-2010.
- Is CDB still active?
- Yes, CDB is an active enterprise in the KBO register.
- How many employees does CDB have?
- CDB had an average of 4.5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does CDB fall under?
- In its 31-03-2025 annual accounts, CDB states joint committees 200 (Auxiliary committee for white-collar workers) and 201 (Independent retail).
- What is the turnover of CDB?
- The turnover in financial year 2025 is ≈ €1.9m. This figure is estimated from the gross margin of €442,494 and 48 comparable companies (NACE 472). It probably lies between €1.3m and €3.0m.
- Is CDB profitable?
- In financial year 2025, CDB made a profit of €55,211.
- Where can I find the annual accounts of CDB?
- CDB filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
Next steps
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