CFdC
ActiveCFdC has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4.77M and a net result of €46k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 95% of 18207 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40▼-23
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €390k at 30 days acceptable
short-term debt: 0.5% and cash: 57.9% of total assets, and 0.5% 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
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
99.5%
Return on assets
1%
Age of the figures
12 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €4.77M
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-03-2026, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 d early
2024
19 d early
2023
4 d early
2022
2 d late
2021
30 d early
2020
31 d early
2019
36 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€4.77M▲ 1.0%
2024 · €4.72M
2018: €9.47M
2019: €5.51M
2020: €3.77M
2021: €3.79M
2022: €4.16M
2023: €4.21M
2024: €4.72M
2018 → 2025
Total assets
€4.79M▼ 3.2%
2024 · €4.95M
2018: €9.82M
2019: €5.65M
2020: €4.67M
2021: €3.80M
2022: €4.28M
2023: €4.26M
2024: €4.95M
2018 → 2025
Net result
€46k▼ 91.1%
2024 · €512k
2018: €-21k
2019: €42k
2020: €14k
2021: €20k
2022: €370k
2023: €48k
2024: €512k
2018 → 2025
Working capital
€4.55M▲ 1.1%
2024 · €4.50M
2018: €2.70M
2019: €2.16M
2020: €215k
2021: €268k
2022: €1.88M
2023: €1.94M
2024: €4.50M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.79M-€4.16M▲ 9.8%€4.21M▲ 1.2%€4.72M▲ 12.2%€4.77M▲ 1.0%
Operating result€20k-€451k▲ 2,122%€20k▼ 95.6%€585k▲ 2,821%€-3k
Net result€20k-€370k▲ 1,769%€48k▼ 87.0%€512k▲ 961%€46k▼ 91.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €585k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.79M
Fixed assets
€220k▼ 2.0%
Current assets
€4.57M▼ 3.2%
Equity and liabilities €4.79M
Equity
€4.77M▲ 1.0%
Debt
€24k▼ 89.4%
The debt ratio falls from 4.6% to 0.5%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
99.5%▲
2024 · 95.4%
Debt / equity
0.00▼
2024 · 0.05
ROE
1.0%▼
2024 · 10.8%
ROA
1.0%▼
2024 · 10.3%
Debt
€24k▼
2024 · €226k
Debt ≤ 1 year
€23k▼
2024 · €226k
Income taxes
€15k▼
2024 · €186k
A ratio outside any meaningful range has been withheld (balance sheet total €4.79M, equity €4.77M).
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€4.95M€4.79M▼
Fixed assets21/28€224k€220k▼
Tangible fixed assets22/27€220k€215k▼
Other tangible fixed assets26€220k€215k▼
Financial fixed assets28€5k€5k=
Current assets29/58€4.73M€4.57M▼
Amounts receivable after more than one year29€1.63M€1.63M=
Other amounts receivable291€1.63M€1.63M=
Amounts receivable within one year40/41€31k€13k▼
Trade receivables40€26k€0▼
Other amounts receivable41€4k€13k▲
Current investments50/53€2.68M€0▼
Cash at bank and in hand54/58€276k€2.78M▲
Deferred charges and accrued income490/1€104k€151k▲
Equity and liabilities
Total equity and liabilities10/49€4.95M€4.79M▼
Equity10/15€4.72M€4.77M▲
Contributions10/11€68k€68k=
Profit (loss) carried forward14€4.66M€4.70M▲
Amounts payable17/49€226k€24k▼
Amounts payable within one year42/48€226k€23k▼
Trade debts44€32k€1k▼
Suppliers440/4€32k€1k▼
Taxes, remuneration and social security45€175k€0▼
Taxes450/3€175k€0▼
Other amounts payable47/48€19k€22k▲
Accrued charges and deferred income492/3-€998
Income statement
Code20242025
Other operating charges640/8€2k€1k▼
Gross operating margin9900€587k€-2k▼
Operating profit (loss)9901€585k€-3k▼
Financial income75/76B€113k€142k▲
Recurring financial income75€113k€142k▲
Financial charges65/66B€523€78k▲
Recurring financial charges65€523€78k▲
Profit (loss) for the period before taxes9903€698k€61k▼
Income taxes67/77€186k€15k▼
Profit (loss) for the period9904€512k€46k▼
Profit (loss) for the period to be appropriated9905€512k€46k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4.66M€4.70M▲
Profit (loss) brought forward from the previous period14P€4.15M€4.66M▲
The notes to these accounts (6 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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Liquidity times 10current ratio 200.20
Current ratio from 20.95 to 200.20; short-term debt falls from €226k to €23k.
11-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €512k ▲961%
Operating result €585k, net result €512k, both a record.
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Liquidity triplescurrent ratio 42.86
Current ratio from 17.02 to 42.86; short-term debt falls from €118k to €46k.
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Liquidity times 78current ratio 96.34
Current ratio from 1.24 to 96.34; short-term debt falls from €894k to €3k.
30-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
25-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €42k
Net result €42k after one loss-making year.
21-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Antwerpen · 1 establishment unit since 2021
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.
Arthur Goemaerelei 242018 AntwerpenGround area
1,448 m²
Building footprint
217 m²
Volume, LiDAR
2,930 m³
Parcel 11810K1823/00S000, Flanders · tallest building 15.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
CFdC
since 20212.318.763.125
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K1823/00S000 | Flanders | 1,448 m² | 1 · 217 m² | 15.0 m · 5 fl. |
Linked by address, not proof of ownership
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
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CERGAS
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Vrancx Lubricants
BE 0465.401.050
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VERWORST
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Of 3,235 companies in sector 47781 we hold annual accounts for 744. 237 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-10-2005
Fiscal year end30-09
Activities, NACEBEL
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47990Retail trade
90031Arts creation and performing arts activities
90111Literary creation
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.