CDC BOIS
ActiveCDC BOIS has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €278k and a net result of €38k. Equity is growing by ~9.7% per year across the filed fiscal years. Its solvency ranks better than 46% of 7757 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-8
Solvency66▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity short (current ratio 0.61 against 0.4 in 2024; short-term debt: 40.4% and cash: 7.5% of total assets), and 59.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
40.9%
Return on assets
5.6%
Age of the figures
9 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
28 d late
2023
7 d late
2022
31 d late
2021
61 d late
2020
12 d early
2019
55 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€38k▼ 46.1%
2024 · €71k
2018: €9k
2019: €5k
2020: €31k
2021: €115k
2022: €-26k
2023: €30k
2024: €71k
2018 → 2025
Working capital
€-107k▼ 9.4%
2024 · €-97k
2018: €43k
2019: €27k
2020: €24k
2021: €-13k
2022: €-93k
2023: €-119k
2024: €-97k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€286k-€216k▼ 24.3%€208k▼ 4.1%€242k▲ 16.7%€278k▲ 14.6%
Operating result€151k-€-17k€46k€112k▲ 144%€67k▼ 40.1%
Net result€115k-€-26k€30k€71k▲ 135%€38k▼ 46.1%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 40% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €680k
Fixed assets
€511k▼ 0.8%
Current assets
€168k▲ 158%
Equity and liabilities €680k
Equity
€278k▲ 14.6%
Debt
€402k▲ 18.7%
The debt ratio rises from 58.3% to 59.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€106k▼
2024 · €164k
Cash flow
€77k▼
2024 · €123k
Solvency
40.9%▼
2024 · 41.7%
Current ratio
0.61▲
2024 · 0.40
Quick ratio
0.59▲
2024 · 0.38
Debt / equity
1.45▲
2024 · 1.40
ROE
13.7%▼
2024 · 29.2%
ROA
5.6%▼
2024 · 12.2%
Interest coverage
9.83▼
2024 · 29.70
Debt
€402k▲
2024 · €339k
Debt ≤ 1 year
€275k▲
2024 · €163k
Debt > 1 year
€118k▼
2024 · €166k
Income taxes
€18k▼
2024 · €35k
Staff costs
€104k▲
2024 · €80k
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€581k€680k▲
Fixed assets21/28€516k€511k▼
Intangible fixed assets21€1k€665▼
Tangible fixed assets22/27€174k€171k▼
Land and buildings22-€403
Plant, machinery and equipment23€145k€163k▲
Furniture and vehicles24€21k€7k▼
Leasing and similar rights25€9k-
Financial fixed assets28€340k€340k=
Current assets29/58€65k€168k▲
Stocks and contracts in progress3€4k€6k▲
Stocks30/36€4k€6k▲
Amounts receivable within one year40/41€33k€107k▲
Trade receivables40€30k€100k▲
Other amounts receivable41€3k€6k▲
Cash at bank and in hand54/58€24k€51k▲
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€581k€680k▲
Equity10/15€242k€278k▲
Contributions10/11€6k€6k=
Reserves13€103k€138k▲
Distributable reserves133€103k€138k▲
Profit (loss) carried forward14€133k€133k=
Amounts payable17/49€339k€402k▲
Amounts payable after more than one year17€166k€118k▼
Financial debts170/4€166k€118k▼
Amounts payable within one year42/48€163k€275k▲
Current portion of amounts payable after more than one year42€50k€49k▼
Trade debts44€18k€47k▲
Suppliers440/4€18k€47k▲
Taxes, remuneration and social security45€50k€59k▲
Taxes450/3€44k€54k▲
Remuneration and social security454/9€6k€6k▼
Other amounts payable47/48€45k€120k▲
Accrued charges and deferred income492/3€10k€10k=
Income statement
Code20242025
Non-recurring operating income76A-€1k
Remuneration, social security and pensions62€80k€104k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€52k€39k▼
Other operating charges640/8-€1k
Non-recurring operating charges66A-€9k
Gross operating margin9900€244k€220k▼
Operating profit (loss)9901€112k€67k▼
Financial income75/76B€8€8▲
Recurring financial income75€8€8▲
Financial charges65/66B€6k€11k▲
Recurring financial charges65€6k€11k▲
Profit (loss) for the period before taxes9903€106k€56k▼
Income taxes67/77€35k€18k▼
Profit (loss) for the period9904€71k€38k▼
Profit (loss) for the period to be appropriated9905€71k€38k▼
Appropriation of the result
Profit (loss) to be appropriated9906€204k€172k▼
Profit (loss) brought forward from the previous period14P€133k€133k=
Transfer from equity791/2€36k-
Transfer to equity691/2€71k€35k▼
To other reserves6921€71k€35k▼
Profit to be distributed694/7€36k€3k▼
Return on contributions (dividend)694€36k€3k▼
Social balance
Average headcount (FTE)90874.33.7▼
The notes to these accounts (19 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 7 days late
2023
31-12
Financial
Back to profitnet €30k
Net result €30k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-26k ▼122%
Net result drops to €-26k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 61 days late
2021
31-12
Financial
Highest result since 2018net €115k ▲267%
Operating result €151k, net result €115k, both a record.
31-12
Financial
Equity above €200kEq €286k ▲67.6%
4 profitable years in a row build equity to €286k.
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €150kEq €171k ▲22.5%
3 profitable years in a row build equity to €171k.
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 55 days late
2019
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2012
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.
Avenue Pierre Holoffe 111342 Ottignies-Louvain-la-NeuveGround area
3.5 ha
Building footprint
5,589 m²
Volume, LiDAR
56,197 m³
2 parcels, Wallonia · tallest building 13.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Guillaume Fouquet,Isnes 30, 5032 Gembloux
since 20122.206.804.141
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92065B0063/00F003 | Wallonia | 3.3 ha | 1 · 5,389 m² | 13.3 m · 3 fl. |
| 25056A0154/00A002 | Wallonia | 1,444 m² | 1 · 200 m² | 10.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
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LEMARCHAND J.P. & CIE
BE 0836.515.825
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DKB INTERIEUR
BE 0717.674.096
Merelbeke-Melle · Eq €278k
AAN TAFEL Schrijnwerkerij - Meubelmakerij
BE 0893.110.078
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ALL SEASONS
BE 0443.713.830
Malle · Eq €277k
Of 20,026 companies in sector 43320 we hold annual accounts for 9,136. 7,000 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-2011
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.