Cf-Tech
ActiveSummary
Cf-Tech has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €382k and a net result of €100k. Equity is growing by ~33.8% per year across the filed fiscal years. Its solvency ranks better than 55% of 2566 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability83▲+2
Solvency68▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.81 against 2.14 in 2024; short-term debt: 14.9% and cash: 35% of total assets), but 56.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← 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
43.4%
Return on assets
11.4%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 01-02-2026, 1 day 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 · 8 filingsDeviation from the deadline
2025
1 d late
2024
on the day
2023
19 d late
2022
42 d early
2021
41 d early
2020
51 d early
2019
42 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€382k▲ 35.6%
2024 · €282k
2019: €63klowest in 7 years
2020: €97k▲ +55.0% vs 2019
2021: €120k▲ +23.0% vs 2020
2022: €148k▲ +23.6% vs 2021
2023: €201k▲ +36.0% vs 2022
2024: €282k▲ +40.0% vs 2023
2025: €382k▲ +35.6% vs 2024highest in 7 years
2019 → 2025
Total assets
€879k▲ 4.7%
2024 · €840k
2019: €379klowest in 7 years
2020: €416k▲ +9.6% vs 2019
2021: €596k▲ +43.4% vs 2020
2022: €633k▲ +6.2% vs 2021
2023: €682k▲ +7.7% vs 2022
2024: €840k▲ +23.2% vs 2023
2025: €879k▲ +4.7% vs 2024highest in 7 years
2019 → 2025
Net result
€100k▲ 24.8%
2024 · €80k
2019: €18klowest in 7 years
2020: €34k▲ +94.2% vs 2019
2021: €22k▼ -35.0% vs 2020
2022: €68k▲ +205% vs 2021
2023: €53k▼ -22.0% vs 2022
2024: €80k▲ +50.9% vs 2023
2025: €100k▲ +24.8% vs 2024highest in 7 years
2019 → 2025
Working capital
€237k▲ 57.4%
2024 · €151k
2019: €42klowest in 7 years
2020: €64k▲ +52.7% vs 2019
2021: €53k▼ -16.6% vs 2020
2022: €67k▲ +25.3% vs 2021
2023: €116k▲ +74.3% vs 2022
2024: €151k▲ +29.8% vs 2023
2025: €237k▲ +57.4% vs 2024highest in 7 years
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€120k-€148k▲ 23.6%€201k▲ 36.0%€282k▲ 40.0%€382k▲ 35.6%
2021: €120klowest in 5 years
2022: €148k▲ +23.6% vs 2021
2023: €201k▲ +36.0% vs 2022
2024: €282k▲ +40.0% vs 2023
2025: €382k▲ +35.6% vs 2024highest in 5 years
Operating result€35k-€93k▲ 167%€72k▼ 22.8%€114k▲ 58.0%€138k▲ 21.0%
2021: €35klowest in 5 years
2022: €93k▲ +167% vs 2021
2023: €72k▼ -22.8% vs 2022
2024: €114k▲ +58.0% vs 2023
2025: €138k▲ +21.0% vs 2024highest in 5 years
Net result€22k-€68k▲ 205%€53k▼ 22.0%€80k▲ 50.9%€100k▲ 24.8%
2021: €22klowest in 5 years
2022: €68k▲ +205% vs 2021
2023: €53k▼ -22.0% vs 2022
2024: €80k▲ +50.9% vs 2023
2025: €100k▲ +24.8% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €879k
Fixed assets
€511k ▼ 8.2%
Current assets
€368k ▲ 30.0%
Equity and liabilities €879k
Equity
€382k ▲ 35.6%
Debt
€498k ▼ 10.9%
Debt's share of the balance-sheet total falls from 66.5% to 56.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€185k▲
2024 · €175k
Cash flow
€147k▲
2024 · €141k
Current ratio
2.81▲
2024 · 2.14
Quick ratio
2.65▲
2024 · 1.86
Debt to equity
1.30▼
2024 · 1.98
ROE
26.3%▼
2024 · 28.6%
ROA
11.4%▲
2024 · 9.6%
Interest coverage
16.77▼
2024 · 17.81
Debt ≤ 1 year
€131k▼
2024 · €132k
Debt > 1 year
€366k▼
2024 · €426k
Income taxes
€27k▲
2024 · €24k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€840k€879k▲
Fixed assets21/28€557k€511k▼
Tangible fixed assets22/27€556k€511k▼
Land and buildings22€422k€399k▼
Plant, machinery and equipment23€14k€11k▼
Furniture and vehicles24€3k€3k▼
Leasing and similar rights25€60k€45k▼
Other tangible fixed assets26€57k€53k▼
Financial fixed assets28€449€449=
Current assets29/58€283k€368k▲
Stocks and contracts in progress3€37k€22k▼
Stocks30/36€37k€22k▼
Amounts receivable within one year40/41€23k€32k▲
Trade receivables40€19k€32k▲
Other amounts receivable41€4k€0▼
Cash at bank and in hand54/58€218k€307k▲
Deferred charges and accrued income490/1€5k€7k▲
Equity and liabilities
Total equity and liabilities10/49€840k€879k▲
Equity10/15€282k€382k▲
Contributions10/11€19k€19k=
Reserves13€263k€363k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€263k€363k▲
Amounts payable17/49€559k€498k▼
Amounts payable after more than one year17€426k€366k▼
Financial debts170/4€426k€366k▼
Amounts payable within one year42/48€132k€131k▼
Current portion of amounts payable after more than one year42€58k€60k▲
Financial debts43-€27
Credit institutions430/8-€27
Trade debts44€6k€6k▲
Suppliers440/4€6k€6k▲
Advances received on contracts in progress46€2k€760▼
Taxes, remuneration and social security45€5k€12k▲
Taxes450/3€5k€12k▲
Other amounts payable47/48€61k€52k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€61k€47k▼
Other operating charges640/8€7k€6k▼
Gross operating margin9900€182k€191k▲
Operating profit (loss)9901€114k€138k▲
Financial income75/76B€50€789▲
Recurring financial income75€50€789▲
Financial charges65/66B€10k€11k▲
Recurring financial charges65€10k€11k▲
Profit (loss) for the period before taxes9903€104k€128k▲
Income taxes67/77€24k€27k▲
Profit (loss) for the period9904€80k€100k▲
Profit (loss) for the period to be appropriated9905€80k€100k▲
Appropriation of the result
Profit (loss) to be appropriated9906€80k€100k▲
Transfer to equity691/2€80k€100k▲
To other reserves6921€80k€100k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €44k | €38k | €34k | €61k | €47k | ▼ 23.0% |
| Other operating charges640/8 | - | €5k | €2k | €7k | €6k | ▼ 12.9% |
| Non-recurring operating charges66A | - | €1k | - | - | - | - |
| Gross operating margin9900 | €82k | €138k | €108k | €182k | €191k | ▲ 5.0% |
| Operating profit (loss)9901 | €35k | €93k | €72k | €114k | €138k | ▲ 21.0% |
| Financial income75/76B | - | €63 | €113 | €50 | €789 | ▲ 1,467% |
| Recurring financial income75 | €30 | €63 | €113 | €50 | €789 | ▲ 1,467% |
| Financial charges65/66B | - | €8k | €6k | €10k | €11k | ▲ 12.3% |
| Recurring financial charges65 | €8k | €8k | €6k | €10k | €11k | ▲ 12.3% |
| Profit (loss) for the period before taxes9903 | €27k | €86k | €66k | €104k | €128k | ▲ 22.6% |
| Income taxes67/77 | €5k | €17k | €13k | €24k | €27k | ▲ 15.0% |
| Profit (loss) for the period9904 | €22k | €68k | €53k | €80k | €100k | ▲ 24.8% |
| Profit (loss) for the period to be appropriated9905 | €22k | €68k | €53k | €80k | €100k | ▲ 24.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €596k | €633k | €682k | €840k | €879k | ▲ 4.7% |
| Fixed assets21/28 | €461k | €441k | €435k | €557k | €511k | ▼ 8.2% |
| Tangible fixed assets22/27 | €460k | €441k | €435k | €556k | €511k | ▼ 8.2% |
| Land and buildings22 | - | €349k | €331k | €422k | €399k | ▼ 5.3% |
| Plant, machinery and equipment23 | - | €26k | €15k | €14k | €11k | ▼ 26.1% |
| Furniture and vehicles24 | - | €223 | €111 | €3k | €3k | ▼ 21.0% |
| Leasing and similar rights25 | - | - | €27k | €60k | €45k | ▼ 24.6% |
| Other tangible fixed assets26 | - | €65k | €61k | €57k | €53k | ▼ 7.1% |
| Financial fixed assets28 | €694 | €449 | €449 | €449 | €449 | = |
| Current assets29/58 | €135k | €192k | €247k | €283k | €368k | ▲ 30.0% |
| Stocks and contracts in progress3 | €34k | €38k | €32k | €37k | €22k | ▼ 41.6% |
| Stocks30/36 | - | €38k | €32k | €37k | €22k | ▼ 41.6% |
| Amounts receivable within one year40/41 | €19k | €27k | €16k | €23k | €32k | ▲ 38.6% |
| Trade receivables40 | - | €26k | €16k | €19k | €32k | ▲ 71.0% |
| Other amounts receivable41 | - | €2k | - | €4k | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €81k | €124k | €195k | €218k | €307k | ▲ 41.0% |
| Deferred charges and accrued income490/1 | - | €2k | €4k | €5k | €7k | ▲ 39.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €596k | €633k | €682k | €840k | €879k | ▲ 4.7% |
| Equity10/15 | €120k | €148k | €201k | €282k | €382k | ▲ 35.6% |
| Contributions10/11 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €101k | €129k | €183k | €263k | €363k | ▲ 38.2% |
| Non-distributable reserves130/1 | - | €2k | €2k | €0 | - | - |
| Reserves not available under the articles1311 | - | €2k | €2k | €0 | - | - |
| Distributable reserves133 | - | €127k | €181k | €263k | €363k | ▲ 38.2% |
| Amounts payable17/49 | €477k | €485k | €481k | €559k | €498k | ▼ 10.9% |
| Amounts payable after more than one year17 | €393k | €358k | €350k | €426k | €366k | ▼ 14.0% |
| Financial debts170/4 | - | €358k | €350k | €426k | €366k | ▼ 14.0% |
| Amounts payable within one year42/48 | €82k | €125k | €130k | €132k | €131k | ▼ 1.1% |
| Current portion of amounts payable after more than one year42 | - | €35k | €46k | €58k | €60k | ▲ 2.1% |
| Financial debts43 | - | - | - | - | €27 | - |
| Credit institutions430/8 | - | - | - | - | €27 | - |
| Trade debts44 | €5k | €10k | €10k | €6k | €6k | ▲ 4.0% |
| Suppliers440/4 | - | €10k | €10k | €6k | €6k | ▲ 4.0% |
| Advances received on contracts in progress46 | - | €2k | - | €2k | €760 | ▼ 54.8% |
| Taxes, remuneration and social security45 | - | €8k | €12k | €5k | €12k | ▲ 146% |
| Taxes450/3 | - | €8k | €12k | €5k | €12k | ▲ 146% |
| Other amounts payable47/48 | - | €69k | €62k | €61k | €52k | ▼ 14.7% |
| Accrued charges and deferred income492/3 | - | €2k | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €22k | €68k | €53k | €80k | €100k | ▲ 24.8% |
| + Depreciation and write-downs630 | €44k | €38k | €34k | €61k | €47k | ▼ 23.0% |
| Operating cash flow (approximation) | €66k | €106k | €87k | €141k | €147k | ▲ 4.2% |
| Investment in fixed assets (approximation) | - | €-18k | €-28k | €-183k | €-1k | ▲ 99.3% |
| Change in cash | - | €43k | €70k | €23k | €89k | ▲ 287% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 1 day late
2025
30-06
Financial
Highest result since 2019net €100k ▲24.8%
Operating result €138k, net result €100k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
30-06
Financial
Equity above €200kEq €201k ▲36%
5 profitable years in a row build equity to €201k.
2022
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
21-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Equity above €100kEq €120k ▲23%
3 profitable years in a row build equity to €120k.
2020
11-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
20-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
20-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Roeselare · 1 establishment unit since 2017
Ground area
488 m²
Building footprint
146 m²
Parcel 36503C1253/00A004, Flanders. Linked by address, not a title deed.
1 establishment unit
Cf-Tech
since 20172.267.964.522
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36503C1253/00A004 | Flanders | 488 m² | 1 · 146 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 342 companies in sector 95220 we hold annual accounts for 91. 55 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-09-2017
Fiscal year end30-06
Activities, NACEBEL 2025
95220Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Scores and ratios are computed by Checked and are not a credit decision.