CIB Trade
ActiveCIB Trade has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €243k and a net result of €33k. Equity is growing by ~19.8% per year across the filed fiscal years. Its solvency ranks better than 17% of 7921 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
81
/ 100
Excellent▲ +49 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▲+69
Solvency40=
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 3.84 against 4.31 in 2024), but 89.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
10.4%
Return on assets
1.4%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 7921 sector peers (2025).
NBB · sector comparisonPosition among 7921 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · 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 filingsDeviation from the deadline
2025
29 d early
2024
7 d early
2023
33 d early
2022
46 d early
2021
40 d early
2020
39 d early
2019
17 d early
← before the deadline
after the deadline →
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€243k▲ 16.0%
2024 · €209k
2018: €-16k
2019: €-6k
2020: €26k
2021: €193k
2022: €260k
2023: €269k
2024: €209k
2018 → 2025
Total assets
€2.34M▲ 6.1%
2024 · €2.21M
2018: €1.54M
2019: €1.95M
2020: €2.93M
2021: €3.18M
2022: €3.66M
2023: €3.74M
2024: €2.21M
2018 → 2025
Net result
€33k
2024 · €-60k
2018: €-6k
2019: €10k
2020: €32k
2021: €93k
2022: €67k
2023: €9k
2024: €-60k
2018 → 2025
Working capital
€1.73M▲ 2.3%
2024 · €1.69M
2018: €1.46M
2019: €1.88M
2020: €2.04M
2021: €2.00M
2022: €2.40M
2023: €2.25M
2024: €1.69M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€193k-€260k▲ 34.8%€269k▲ 3.5%€209k▼ 22.3%€243k▲ 16.0%
Operating result€83k-€350k▲ 319%€43k▼ 87.8%€-27k€33k
Net result€93k-€67k▼ 27.5%€9k▼ 86.4%€-60k€33k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €33k after a loss of €27k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.34M
Fixed assets
€763▼ 51.5%
Current assets
€2.34M▲ 6.2%
Equity and liabilities €2.34M
Equity
€243k▲ 16.0%
Debt
€2.10M▲ 5.1%
The debt ratio falls from 90.5% to 89.6%: equity grows faster than debt.
Key figures and ratios
EBITDA
€34k▲
2024 · €-27k
Cash flow
€34k▲
2024 · €-59k
Solvency
10.4%▲
2024 · 9.5%
Current ratio
3.84▼
2024 · 4.31
Quick ratio
1.85▲
2024 · 1.25
Debt / equity
8.66▼
2024 · 9.55
ROE
13.8%▲
2024 · -28.8%
ROA
1.4%▲
2024 · -2.7%
Interest coverage
58.22▲
2024 · -0.78
Debt
€2.10M▲
2024 · €2.00M
Debt ≤ 1 year
€609k▲
2024 · €511k
Debt > 1 year
€1.49M▲
2024 · €1.49M
Income taxes
€1k
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€2.21M€2.34M▲
Fixed assets21/28€2k€763▼
Tangible fixed assets22/27€2k€763▼
Plant, machinery and equipment23€2k€763▼
Current assets29/58€2.21M€2.34M▲
Stocks and contracts in progress3€1.56M€1.21M▼
Stocks30/36€1.56M€1.21M▼
Amounts receivable within one year40/41€635k€1.08M▲
Trade receivables40€635k€1.08M▲
Cash at bank and in hand54/58€7k€45k▲
Equity and liabilities
Total equity and liabilities10/49€2.21M€2.34M▲
Equity10/15€209k€243k▲
Contributions10/11€19k€19k=
Reserves13€70k€70k=
Distributable reserves133€70k€70k=
Profit (loss) carried forward14€121k€154k▲
Amounts payable17/49€2.00M€2.10M▲
Amounts payable after more than one year17€1.49M€1.49M▲
Financial debts170/4€1.49M€1.49M▲
Amounts payable within one year42/48€511k€609k▲
Trade debts44€501€855▲
Suppliers440/4€501€855▲
Taxes, remuneration and social security45€98k€13k▼
Taxes450/3€98k€13k▼
Other amounts payable47/48€413k€596k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€860€809▼
Other operating charges640/8€118€120▲
Gross operating margin9900€-26k€34k▲
Operating profit (loss)9901€-27k€33k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€34k€582▼
Recurring financial charges65€34k€582▼
Profit (loss) for the period before taxes9903€-60k€34k▲
Income taxes67/77-€1k
Profit (loss) for the period9904€-60k€33k▲
Profit (loss) for the period to be appropriated9905€-60k€33k▲
Appropriation of the result
Profit (loss) to be appropriated9906€121k€154k▲
Profit (loss) brought forward from the previous period14P€181k€121k▼
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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-60k ▼758%
Net result drops to €-60k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €200kEq €260k ▲34.8%
4 profitable years in a row build equity to €260k.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €93k ▲191%
Net result €93k, the highest in the series.
31-12
Financial
Equity above €150kEq €193k ▲639%
3 profitable years in a row build equity to €193k.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
05-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 36 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Mol · 1 establishment unit since 2016
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.
Paviljoenstraat 752400 MolGround area
1.9 ha
Building footprint
589 m²
Volume, LiDAR
2,984 m³
Parcel 13025G1100/00G002, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CIB Trade
since 20162.251.220.243
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13025G1100/00G002 | Flanders | 1.9 ha | 1 · 589 m² | 9.9 m · 2 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.
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INNOVATIVECYCLING
BE 0673.506.137
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BOSCH SPORT
BE 0807.378.411
Kontich · Eq €243k
De Vélo Soigneur
BE 0612.988.926
Alken · Eq €241k
SALES FORCE CONSULTANCY GROUP
BE 0443.869.525
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MOOVMOOV
BE 0716.643.522
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Of 201 companies in sector 46495 we hold annual accounts for 105. 80 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-03-2016
Fiscal year end31-12
Activities, NACEBEL
46495Wholesale trade
46382Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.