CFA Car
ActiveSummary
The computed 12-month bankruptcy probability of CFA Car is 3.0% (moderate). The 2025 annual accounts show equity of €27k and a net result of €-241. Equity is growing by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 66% of 6720 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability68▼-3
Solvency94▲+15
Growth35=
Track record100
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.6 against 1.7 in 2024; short-term debt: 31.2% and cash: 15.1% of total assets), and 31.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 49
Relative position
BE, all sectors
reference
Land transport and transport via pipelines (NACE 49)
about 141% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
68.8%
Return on assets
-0.6%
Age of the figures
9 mo
lowers risk · Consistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
NBB · annual accounts 2024Net result per financial year
1819202122232425
2018 to 2025 · latest year €-241
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-09-2026, 50 days 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
50 d late
2024
61 d late
2023
29 d late
2022
23 d late
2021
16 d late
2020
4 d late
2019
60 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€11k▼ 62.4%
2018 · €29k
2018: €29k
2020: €11k
2018 → 2020
EBIT margin
-69.0%▼ 71.9pp
2018 · 2.9%
2018: 2.9%
2020: -69.0%
2018 → 2020
Net result
€-241
2024 · €861
2018: €1k
2019: €756▼ -36.5% vs 2018
2020: €-8k▼ -1117% vs 2019lowest in 8 years
2021: €6k▲ +180% vs 2020highest in 8 years
2022: €6k▼ -2.9% vs 2021
2023: €1k▼ -79.1% vs 2022
2024: €861▼ -31.0% vs 2023
2025: €-241▼ -128% vs 2024
2018 → 2025
Working capital
€20k▲ 19.3%
2024 · €16k
2018: €-6klowest in 8 years
2019: €4k▲ +162% vs 2018
2020: €4k▲ +22.9% vs 2019
2021: €19k▲ +336% vs 2020
2022: €25k▲ +31.4% vs 2021
2023: €26k▲ +5.0% vs 2022highest in 8 years
2024: €16k▼ -37.5% vs 2023
2025: €20k▲ +19.3% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€25k▲ 31.4%€26k▲ 5.0%€27k▲ 3.3%€27k▼ 0.9%
2021: €19klowest in 5 years
2022: €25k▲ +31.4% vs 2021
2023: €26k▲ +5.0% vs 2022
2024: €27k▲ +3.3% vs 2023highest in 5 years
2025: €27k▼ -0.9% vs 2024
Operating result€7k-€5k▼ 26.9%€1k▼ 71.5%€1k▼ 23.0%€17▼ 98.5%
2021: €7khighest in 5 years
2022: €5k▼ -26.9% vs 2021
2023: €1k▼ -71.5% vs 2022
2024: €1k▼ -23.0% vs 2023
2025: €17▼ -98.5% vs 2024lowest in 5 years
Net result€6k-€6k▼ 2.9%€1k▼ 79.1%€861▼ 31.0%€-241
2021: €6khighest in 5 years
2022: €6k▼ -2.9% vs 2021
2023: €1k▼ -79.1% vs 2022
2024: €861▼ -31.0% vs 2023
2025: €-241▼ -128% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 98% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €39k
Fixed assets
€7k ▼ 31.9%
Current assets
€32k ▼ 20.2%
Equity and liabilities €39k
Equity
€27k ▼ 0.9%
Debt
€12k ▼ 47.9%
Debt's share of the balance-sheet total falls from 46.3% to 31.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€3k▼
2024 · €4k
Cash flow
€3k▼
2024 · €4k
Current ratio
2.60▲
2024 · 1.70
Debt to equity
0.45▼
2024 · 0.86
ROE
-0.9%▼
2024 · 3.2%
ROA
-0.6%▼
2024 · 1.7%
Interest coverage
13.30▼
2024 · 17.17
Debt ≤ 1 year
€12k▼
2024 · €23k
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 · 35 lines
Balance sheet
Code20242025
Assets
Total assets20/58€51k€39k▼
Fixed assets21/28€11k€7k▼
Tangible fixed assets22/27€11k€7k▼
Furniture and vehicles24€11k€7k▼
Current assets29/58€40k€32k▼
Amounts receivable within one year40/41€33k€26k▼
Trade receivables40€25k€16k▼
Other amounts receivable41€8k€10k▲
Cash at bank and in hand54/58€6k€6k▼
Deferred charges and accrued income490/1-€280
Equity and liabilities
Total equity and liabilities10/49€51k€39k▼
Equity10/15€27k€27k▼
Contributions10/11€19k€19k=
Reserves13€60€60=
Non-distributable reserves130/1€60€60=
Reserves not available under the articles1311€60€60=
Profit (loss) carried forward14€8k€8k▼
Amounts payable17/49€23k€12k▼
Amounts payable within one year42/48€23k€12k▼
Trade debts44€21k€11k▼
Suppliers440/4€21k€11k▼
Taxes, remuneration and social security45€2k€810▼
Taxes450/3€2k€810▼
Other amounts payable47/48-€481
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€7k€6k▼
Operating profit (loss)9901€1k€17▼
Financial charges65/66B€236€258▲
Recurring financial charges65€236€258▲
Profit (loss) for the period before taxes9903€861€-241▼
Profit (loss) for the period9904€861€-241▼
Profit (loss) for the period to be appropriated9905€861€-241▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€8k▼
Profit (loss) brought forward from the previous period14P€8k€8k▲
The notes to these accounts (4 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €27k | €11k | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8k | - | - | €3k | €3k | ▲ 15.5% |
| Other operating charges640/8 | €16 | €877 | €691 | €3k | €2k | ▼ 20.6% |
| Gross operating margin9900 | €15k | €6k | €2k | €7k | €6k | ▼ 17.4% |
| Operating profit (loss)9901 | €7k | €5k | €1k | €1k | €17 | ▼ 98.5% |
| Financial income75/76B | - | €1k | - | - | - | - |
| Recurring financial income75 | - | €1k | - | - | - | - |
| Financial charges65/66B | €161 | €182 | €176 | €236 | €258 | ▲ 9.2% |
| Recurring financial charges65 | €161 | €182 | €176 | €236 | €258 | ▲ 9.2% |
| Profit (loss) for the period before taxes9903 | €7k | €6k | €1k | €861 | €-241 | ▼ 128% |
| Income taxes67/77 | €531 | - | - | - | - | - |
| Profit (loss) for the period9904 | €6k | €6k | €1k | €861 | €-241 | ▼ 128% |
| Profit (loss) for the period to be appropriated9905 | €6k | €6k | €1k | €861 | €-241 | ▼ 128% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €20k | €33k | €33k | €51k | €39k | ▼ 22.7% |
| Fixed assets21/28 | - | - | - | €11k | €7k | ▼ 31.9% |
| Tangible fixed assets22/27 | - | - | - | €11k | €7k | ▼ 31.9% |
| Furniture and vehicles24 | - | - | - | €11k | €7k | ▼ 31.9% |
| Current assets29/58 | €20k | €33k | €33k | €40k | €32k | ▼ 20.2% |
| Amounts receivable within one year40/41 | €4k | €19k | €28k | €33k | €26k | ▼ 23.3% |
| Trade receivables40 | €2k | - | €11k | €25k | €16k | ▼ 38.1% |
| Other amounts receivable41 | €2k | €19k | €17k | €8k | €10k | ▲ 22.1% |
| Cash at bank and in hand54/58 | €16k | €14k | €6k | €6k | €6k | ▼ 8.5% |
| Deferred charges and accrued income490/1 | - | - | - | - | €280 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €20k | €33k | €33k | €51k | €39k | ▼ 22.7% |
| Equity10/15 | €19k | €25k | €26k | €27k | €27k | ▼ 0.9% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €60 | €60 | €60 | €60 | €60 | = |
| Non-distributable reserves130/1 | €60 | €60 | €60 | €60 | €60 | = |
| Reserves not available under the articles1311 | €60 | €60 | €60 | €60 | €60 | = |
| Profit (loss) carried forward14 | €357 | €6k | €8k | €8k | €8k | ▼ 2.9% |
| Amounts payable17/49 | €642 | €8k | €7k | €23k | €12k | ▼ 47.9% |
| Amounts payable within one year42/48 | €642 | €8k | €7k | €23k | €12k | ▼ 47.9% |
| Trade debts44 | €350 | €8k | €6k | €21k | €11k | ▼ 48.2% |
| Suppliers440/4 | €350 | €8k | €6k | €21k | €11k | ▼ 48.2% |
| Taxes, remuneration and social security45 | €291 | €548 | €1k | €2k | €810 | ▼ 65.6% |
| Taxes450/3 | €291 | €548 | €1k | €2k | €810 | ▼ 65.6% |
| Other amounts payable47/48 | - | - | - | - | €481 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6k | €6k | €1k | €861 | €-241 | ▼ 128% |
| + Depreciation and write-downs630 | €8k | - | - | €3k | €3k | ▲ 15.5% |
| Operating cash flow (approximation) | €15k | €6k | €1k | €4k | €3k | ▼ 16.9% |
| Investment in fixed assets (approximation) | - | - | - | - | €0 | - |
| Change in cash | - | €-2k | €-8k | €590 | €-553 | ▼ 194% |
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
22-09
State Gazette act
Resignation: EL FARISSI SALAHIDIN (director)3 facts ▸
State Gazette act
Resignation: EL FARISSI SALAHIDIN (director)
3 facts ▸
- General meeting, 31-03-2026
- Director resignation, EL FARISSI SALAHIDIN (director)
- Director in office, EL FARISSI AISSAM (director)
19-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 50 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
31-12
Financial
Liquidity times 19current ratio 30.63
Current ratio from 1.59 to 30.63; short-term debt falls from €7k to €642.
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 1.72
Current ratio from 0.52 to 1.72; short-term debt falls from €12k to €5k.
24-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 146 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 8 acts read
About the unread acts
Of the 8 Belgian State Gazette acts we know for this company, 1 has been read. The other 7 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
no sitting director, last change in 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
22-09-2026
Resigned as Director
Not every act has been read: a resignation may be missing here
7 of this company's 8 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Sint-Lambrechts-Woluwe · 1 establishment unit since 2017
Ground area
269 m²
Building footprint
90 m²
Volume, LiDAR
969 m³
2 parcels, Brussels · tallest building 14.0 m, ±4 floors. Linked by address, not a title deed.
188
companies at this address
See who is registered here
1 establishment unit
CFA TAXI
since 20172.269.916.992
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21673D0055/00R006 | Brussels | 191 m² | 1 · 90 m² | 14.0 m · 4 fl. |
| 21523B0827/00C003 | Brussels | 78 m² | - | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 962 companies in sector 49310 we hold annual accounts for 489. 348 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
Founded08-11-2017
Fiscal year end31-12
Activities, NACEBEL 2025
49310Scheduled passenger transport by road
49330On-demand passenger transport by chauffeured vehicle
82990Other business support services
Contact
E-mail
issam1975ma@gmail.com
Scores and ratios are computed by Checked and are not a credit decision.