Checked.be
Active
BE 0680.777.474Private limited company
Cf-Tech
Blauwvoetstraat 12 ·8800 Roeselare, Belgium· 8 yrs active
Sector: Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
(95220)
Conclusion
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 ~37.5% per year across the filed fiscal years. Its solvency ranks better than 54% of 2418 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €382k |
| Net result | €100k |
| Better than sector | 54% |
| Active | 8 yrs |
Financial profile
92
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
94
Profitability
100
Solvency
88
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2017, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
94
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€35k
estimate, not credit advice
Score history
73
2022
83
2023
94
2024
94
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 2.81 (≥ 1.5)
+10
Quick ratio
Quick ratio 2.65 (≥ 1.0)
+5
Leverage
Debt/equity 1.30 (< 2.0)
+3
Profitability
ROE 26% (≥ 10%)
+10
Interest coverage
Interest coverage 16.8× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 01-02-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~37.5%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 43.4% | 39.1% | |
| Net result | €100k | €9k | |
| Equity | €382k | €51k | |
| Gross operating margin | €191k | €40k | |
| Total assets | €879k | €151k |
€185k
+5.7%
22-25
€100k
+24.8%
22-25
€147k
+4.2%
22-25
€879k
+4.7%
22-25
€382k
+35.6%
22-25
€237k
+57.4%
22-25
€27k
+15.0%
22-25
€40k
-
22-25
€498k
-10.9%
22-25
€131k
-1.1%
22-25
€366k
-14.0%
22-25
2.81
+31.4%
22-25
2.65
+42.3%
22-25
43.4%
+29.6%
22-25
1.30
-34.3%
22-25
26.3%
-8.0%
22-25
11.4%
+19.2%
22-25
16.77
-5.9%
22-25
Figures by fiscal year and ratios
Change versus the prior fiscal year, coloured by direction (green = favourable).
| Fiscal year | 2025 Δ | 2024 Δ | 2023 Δ | 2022 Δ |
|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - |
| EBITDA | +5.7% | +64.7% | -19.3% | - |
| Net profit | +24.8% | +50.9% | -22.0% | - |
| Cash flow | +4.2% | +61.9% | -17.9% | - |
| Staff costs | - | - | - | - |
| Income taxes | +15.0% | +84.2% | -26.4% | - |
| Dividends | - | - | - | - |
| Total assets | +4.7% | +23.2% | +7.7% | - |
| Equity | +35.6% | +40.0% | +36.0% | - |
| Debt | -10.9% | +16.2% | -0.9% | - |
| of which ≤ 1y | -1.1% | +1.5% | +4.2% | - |
| of which > 1y | -14.0% | +21.7% | -2.3% | - |
| Working capital | +57.4% | +29.8% | +74.3% | - |
| Employees (FTE) | - | - | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Current ratio | 2.81 | 2.14 | 1.89 | 1.53 |
| Quick ratio | 2.65 | 1.86 | 1.64 | 1.23 |
| Working capital ratio | 27.0% | 17.9% | 17.0% | 10.5% |
| Solvency | 43.4% | 33.5% | 29.5% | 23.4% |
| Debt / equity | 1.30 | 1.98 | 2.39 | 3.28 |
| Long-term debt ratio | 0.96 | 1.51 | 1.74 | 2.42 |
| Interest coverage | 16.77 | 17.81 | 17.56 | 17.04 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | 11.4% | 9.6% | 7.8% | 10.8% |
| ROE | 26.3% | 28.6% | 26.5% | 46.2% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €879k | €840k | €682k | €633k |
| Fixed assets | 21/28 | €511k | €557k | €435k | €441k |
| Tangible fixed assets | 22/27 | €511k | €556k | €435k | €441k |
| Financial fixed assets | 28 | €449 | €449 | €449 | €449 |
| Current assets | 29/58 | €368k | €283k | €247k | €192k |
| Stocks & contracts in progress | 3 | €22k | €37k | €32k | €38k |
| Amounts receivable within one year | 40/41 | €32k | €23k | €16k | €27k |
| Cash & bank | 54/58 | €307k | €218k | €195k | €124k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €879k | €840k | €682k | €633k |
| Equity | 10/15 | €382k | €282k | €201k | €148k |
| Contributions / capital | 10/11 | €19k | €19k | €19k | €19k |
| Reserves | 13 | €363k | €263k | €183k | €129k |
| Amounts payable | 17/49 | €498k | €559k | €481k | €485k |
| Amounts payable after one year | 17 | €366k | €426k | €350k | €358k |
| Amounts payable within one year | 42/48 | €131k | €132k | €130k | €125k |
| Trade debts payable within one year | 44 | €6k | €6k | €10k | €10k |
| Income statement | |||||
| Gross operating margin | 9900 | €191k | €182k | €108k | €138k |
| Operating result | 9901 | €138k | €114k | €72k | €93k |
| Financial income | 75 | €789 | €50 | €113 | €63 |
| Financial charges | 65 | €11k | €10k | €6k | €8k |
| Result before taxes | 9903 | €128k | €104k | €66k | €86k |
| Income taxes | 67/77 | €27k | €24k | €13k | €17k |
| Net result for the period | 9904 | €100k | €80k | €53k | €68k |
| Result to be appropriated | 9905 | €100k | €80k | €53k | €68k |
Legal Structure
| NACE primary | Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles(95220) |
| Legal form | Private limited company(610) |
| Incorporation | 06-09-2017 |
| Status | Active |
| Postal code | 8800 |
Establishment units
Cf-Tech
since 20172.267.964.522
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36503C1253/00A004 | Flanders | 488 m² | 1 · 146 m² | - |
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.
Updates
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 2022net €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
Weakest financial yearnet €53k ▼22%
Net result drops to €53k, the lowest in the series; recovery starts the following year.
30-06
Financial
Equity above €200kEq €201k ▲36%
2 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
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.
Belgian State Gazette reading coverage
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.
Credit advice
Company registry (CBE)
Activities
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles95220
Names & trade names
| Legal nameNL | Cf-Tech |
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