CIB Trade

Active

Private limited companyfounded 2016active for 10 yearsPaviljoenstraat 75, 2400 Mol, BelgiumKBO/BCE: BE 0649.899.208

Summary

CIB Trade has been active since 2016 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €242,626 and a net result of €33,457. Equity is growing by about 20% per year across the filed financial years. Its solvency ranks better than 18% of 9,787 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisFollow Report Compare

CIB TradeActiveChecked score 89/100

Risk analysis Report Compare

Activity

Wholesale trade

NACE 46495

1 site

Size

≈ €180,000turnover 2025, estimated

Equity: €242,626
Profit: €33,457

Turnover estimated from the gross margin

Financial health

89 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.2%

Structure

DECKX LucienDirector

2025 accounts 29 days early1 of 2 deeds summarised

Why 89raises riskEquity €242,626 (10.4% of total assets)Sector: Wholesale trade (NACE 46)lowers riskSize: total assets €2.3mFigures for financial year 2025 (filed 02-07-2026)Show the evidence

Checked score

Score 2025

89 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 50% of its sector peers (NACE 46, small)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Average

Solvency 35+1

equity 10.4% of total assets

Liquidity 42=

short-term debt 26.0% · cash 1.9%

Profitability 71+56

return on assets 1.4%

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (4,376 companies, NACE 46, small)

Last 24 months 11-2024: 0.5% 12-2024: 0.5%● unchanged vs 11-2024 01-2025: 0.5%● unchanged vs 12-2024 02-2025: 0.5%● unchanged vs 01-2025 03-2025: 0.6%▲ +0.1 percentage points vs 02-2025 04-2025: 0.6%● unchanged vs 03-2025 05-2025: 0.6%● unchanged vs 04-2025 06-2025: 0.7%▲ +0.1 percentage points vs 05-2025 07-2025: 0.8%▲ +0.1 percentage points vs 06-2025highest value 08-2025: 0.5%▼ -0.3 percentage points vs 07-2025 09-2025: 0.5%● unchanged vs 08-2025 10-2025: 0.5%● unchanged vs 09-2025 11-2025: 0.5%● unchanged vs 10-2025 12-2025: 0.5%● unchanged vs 11-2025 01-2026: 0.5%● unchanged vs 12-2025 02-2026: 0.5%● unchanged vs 01-2026 03-2026: 0.5%● unchanged vs 02-2026 04-2026: 0.5%● unchanged vs 03-2026 05-2026: 0.5%● unchanged vs 04-2026 06-2026: 0.6%▲ +0.1 percentage points vs 05-2026 07-2026: 0.6%● unchanged vs 06-2026 08-2026: 0.2%▼ -0.4 percentage points vs 07-2026 09-2026: 0.2%● unchanged vs 08-2026lowest value 10-2026: 0.2%● unchanged vs 09-2026lowest value

Credit of up to €21,000 on 30-day terms is acceptable

Liquidity ample (current ratio 3.84, compared with 4.31 in 2024, above the usual 1.5; short-term debt: 26% and cash: 1.9% of total assets), but 89.6% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 46, small): better than 13% on solvency, 48% on liquidity, 62% on profitability and 77% on growth.

The bankruptcy probability was computed on 28-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.

lowers riskraises riskneutral

Size: total assets €2.3m

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Equity €242,626 (10.4% of total assets)

NBB · annual accounts

Figures for financial year 2025 (filed 02-07-2026)

NBB · annual accounts

Sector: Wholesale trade (NACE 46)

KBO

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 9787 sector peers (2025).

NBB · sector comparison

Position among 9787 sector peers

Solvency

better than 18%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.

NBB · 9 filings

Deviation from the deadline

2025

29 days early

2024

7 days early

2023

33 days early

2022

46 days early

2021

40 days early

2020

39 days early

2019

17 days early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 30 days before the deadline; the sector median (NACE 46) for financial year 2024 is 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 June (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

29-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

02-07-2026 Annual accounts filedfinancial year 2025 · abbreviated…
31-12-2025 Back to profitnet €33,457
24-07-2025 Annual accounts filedfinancial year 2024 · abbreviated…

Key points

Positive: Back in profit in 2025after -€60,154 in 2024 €33,457 View
Caution: Among the weakest 19% on solvencysector median 43.1% · 9,787 companies 10.4% View
Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View

By topic

Financials

Financial year: 2025
Total assets: €2.3m
Profit: €33,457
Solvency: 10.4%

Total assets▲ 6.1%

Net result

20182025

Go to Financials

Board & ownership

Board: 1 member

DECKX LucienDirector

Go to Board & ownership

Timeline

Events: 16
Since: 2018
Next accounts: by 31-07-2027

31-12-2024Weakest financial year
28-06-2024Annual accounts filed
10-01-2024Resignation: DECKX Lucien (manager)

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Wholesale tradeNACE 46495
Founded: 14-03-2016
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 11

Who signs: Each director alone
Annual meeting: First Saturday of June at 10:00
Purpose: “Alle soorten goederen zonder onderscheid,in hoofdzaak vanuit China maar ook andere landen…” (deed in Dutch)

Go to Articles of association

Key facts about CIB Trade

What is the company number of CIB Trade?: 0649.899.208. In Belgium the VAT number is the company number with BE in front: BE 0649.899.208.
Where is CIB Trade based?: The registered office is at Paviljoenstraat 75, 2400 Mol.Company details
What does CIB Trade do?: According to the KBO register, the main activity is wholesale trade (NACE 46495).
What is the legal form of CIB Trade?: Private limited company (BV).
When was CIB Trade founded?: On 14-03-2016.
Is CIB Trade still active?: Yes, CIB Trade is an active enterprise in the KBO register.
What is the turnover of CIB Trade?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is CIB Trade profitable?: In financial year 2025, CIB Trade made a profit of €33,457.
Where can I find the annual accounts of CIB Trade?: CIB Trade filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of CIB Trade due?: By 31-07-2027, for financial year 2026.Timeline