CDLdesign
ActiveSummary
CDLdesign has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12,952 and a net result of €12,452. Its solvency ranks better than 25% of 34,946 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 08-05-2024 Normal situation
- Registered office
- 145 active companies are registered at this address 14 started in the 12 months before. Source: KBO register, as of 2 November 2026.
- Activity
- Floor and wall tiling NACE 43331and 3 others
- Establishment unit
- 2.359.561.523 1020 Brussel, since 08-05-2024
- Financial year end
- 30 June
- Peppol
- Reachable since 16-01-2026
Financial position
- Bankruptcy probabilitywithin 12 months
- 1.4%
- Gross margin
- €25,146
- Turnover
- ≈ €150,000
- estimated
- Profit
- €12,452
- Equity
- €12,952
- Total assets
- €54,319
Score breakdownraises riskFounded in 2024Size: total assets €54,319Equity €12,952 (23.8% of total assets)lowers riskLiquidity: current ratio 1.25, cash €18,771Show the evidence
Checked score
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
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 43, micro). It does better than 25% of them on solvency, 70% on liquidity and 83% on profitability.
The bankruptcy probability was computed on 01-11-2026 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.
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).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Searched, nothing found (1)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 05-01-2026 at the NBB
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Investments
| Item | 30-06-2025 |
|---|---|
| Tangible fixed assets | €30,066 |
| Depreciation and write-downs of the year | €6,060 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,060 |
| Other operating charges640/8 | €806 |
| Gross operating margin9900 | €25,146 |
| Operating profit (loss)9901 | €18,280 |
| Financial income75/76B | €253 |
| Recurring financial income75 | €253 |
| Financial charges65/66B | €2,659 |
| Recurring financial charges65 | €2,659 |
| Profit (loss) for the period before taxes9903 | €15,873 |
| Income taxes67/77 | €3,421 |
| Profit (loss) for the period9904 | €12,452 |
| Profit (loss) for the period to be appropriated9905 | €12,452 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €54,319 | |
| Fixed assets21/28 | €24,006 | |
| Tangible fixed assets22/27 | €24,006 | |
| Furniture and vehicles24 | €570 | |
| Leasing and similar rights25 | €23,436 | |
| Current assets29/58 | €30,313 | |
| Amounts receivable within one year40/41 | €10,263 | |
| Trade receivables40 | €3,073 | |
| Other amounts receivable41 | €7,190 | |
| Cash at bank and in hand54/58 | €18,771 | |
| Deferred charges and accrued income490/1 | €1,279 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €54,319 | |
| Equity10/15 | €12,952 | |
| Contributions10/11 | €500 | |
| Profit (loss) carried forward14 | €12,452 | |
| Amounts payable17/49 | €41,367 | |
| Amounts payable after more than one year17 | €17,095 | |
| Financial debts170/4 | €17,095 | |
| Amounts payable within one year42/48 | €24,271 | |
| Current portion of amounts payable after more than one year42 | €3,351 | |
| Trade debts44 | €16,600 | |
| Suppliers440/4 | €16,600 | |
| Taxes, remuneration and social security45 | €4,321 | |
| Taxes450/3 | €3,421 | |
| Remuneration and social security454/9 | €900 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €12,452 |
| + Depreciation and write-downs630 | €6,060 |
| Operating cash flow (approximation) | €18,513 |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 7,976 companies had the same profile as CDLdesign has now. Two years later, 3.6% had gone bankrupt and 94.3% were still going.
- Micro
- 2 to 5 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of CDLdesign itself: 1.4% within 12 months.
Test of the method
The method was tested on the 497,446 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 7,976 companies, not a prediction for CDLdesign. 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.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-06-2025 | micro format | 05-01-2026 | 2026-00004476 |
Board & ownership
Directors
Owners and capital
Shareholders
- COZARI Daniel 100 shares (100%) · €500 in cash
Capital transactions
- 13-05-2024 Incorporation · €500 · 100 shares
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “1, bestuursorgaan”
Articles of association, deed of 13-05-2024 (in Dutch)
Network & group
CDLdesign shares no director with another company.
Companies at the same address
144 other companies- NYKOSIM Registered office · since 2026 1043810070
- VertBati Registered office · since 2026 1043589148
- R-D-M INSTALL Registered office · since 2026 1041933022
- GAN DANY Registered office · since 2026 1038287703
- VRF SOLUTIONS Registered office · since 2026 1037132512
- IEREMI CONCEPT Registered office · since 2026 1036818647
- YBOND CONCEPT Registered office · since 2026 1036813895
- FlorAx Concept Registered office · since 2026 1036707492
- BUILD HORIZON Registered office · since 2026 1034623873
- Medusa Cleaning Registered office · since 2025 1030810486
Connections & network
1 current directorThe network starts from the directors of CDLdesign. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
13-05
Gazette deed
IncorporationStarting capital €500 · Appointment: COZARI Daniel (director) · Founder12 points ▸
- Incorporation, “CDLdesign” (deed in Dutch)
- Founder, COZARI Daniel
- Founding capital, €500
- Other provision, “financieel plan, voorlegging aan notaris” (deed in Dutch)
- Other provision, “aansprakelijkheid oprichter bij faillissement binnen drie jaar na oprichting bij kennelijk ontoereikend aanvangsvermogen, verklaart door notaris gewezen te zijn” (deed in Dutch)
- Other provision, “naleving voorwaarden artikels 5:3,5:5 en 5:8 Wetboek van vennootschappen en verenigingen, verzoekt notaris vast te stellen dat oprichtingsakte voldoet” (deed in Dutch)
- Other provision, “vaststelling statuten en overgangsbepalingen, verklaart statuten te bepalen en overgangsbepalingen vast te leggen” (deed in Dutch)
- Board rule, 1, “comparant” (deed in Dutch)
- Director appointment, COZARI Daniel (director)
- Pre-incorporation commitments, “takeover, alle gestelde verbintenissen genomen door oprichter in haar naam binnen door Wetboek voorziene termijnen” (deed in Dutch)
- Other provision, “uitvoering voorwerp-toelatingen, vennootschap kan verplicht zijn nodige voorafgaande toelatingen of vergunningen te bekomen of voorwaarden te vervullen gelet op…” (deed in Dutch)
- Other provision, “attest van burgerlijke stand, naam,voornamen,woonplaats comparant op zicht officiële stukken vereist door wet,nationaal register en inschrijvingsnummer met uitd…” (deed in Dutch)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
40 activities
- Algemene bouw van residentiële gebouwen
- Algemene bouw van kantoorgebouwen
- Algemene bouw van andere niet-residentiële gebouwen
- Bouw van wegen en spoorwegen
- Bouw van civieltechnische werken ten behoeve van nutsbedrijven
- Bouw van andere civieltechnische werken
- Slopen
- Bouwrijp maken van terreinen
- Proefboren en boren
- Loodgieterswerk
- Installatie van verwarming,klimaatregeling en ventilatie
- Isolatiewerkzaamheden
- Overige bouwinstallatie
- Stukadoorswerk
- Schrijnwerk
- Vloerafwerking en behangen
- Plaatsen van vloer- en wandtegels
- Plaatsen van vloerbedekking en wandbekleding van hout
- Plaatsen van behang en vloerbedekking en wandbekleding van andere materialen
- Elektrotechnische installatiewerken aan gebouwen
- Elektrotechnische installatiewerken,uitgezonderd aan gebouwen
- Schilderen van gebouwen
- Schilderen van civieltechnische werken
- Glaszetten
- Overige werkzaamheden in verband met de afwerking van gebouwen
- Dakwerkzaamheden
- Overige gespecialiseerde bouwactiviteiten
- Waterdichtingswerken van muren
- Gevelreiniging
- Bouw van sierschouwen en open haarden
- Uitvoeren van metsel- en voegwerken
- Restaureren van bouwwerken
- Chapewerken
- Overige gespecialiseerde bouwwerkzaamheden
- Ontwikkeling van residentiële bouwprojecten
- Ontwikkeling van niet-residentiële bouwprojecten
- Algemene reiniging van gebouwen
- Overige reiniging van gebouwen
- Industriële reiniging
- Andere reinigingsactiviteiten
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1009.213.932
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the addresses
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 21818A0003/00E046 | Brussels | 548 m² | 1 · 391 m² | 12.9 m · 1 |
| 44808H0052/00R006 | Flanders | 214 m² | 1 · 202 m² | 11.8 m · 3 |