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CIBE.E

Active
Public limited companyfounded 199926 yrs activeValkenveld 2, 2610 Antwerpen, BelgiumKBO/BCE: BE 0468.437.051
Summary

CIBE.E has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€32,708) and a net result of -€213,355. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 8737 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency0▼-87
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.48 against 2.6 in 2024; short-term debt: 195.3% and cash: 8.2% of total assets), and equity is negative.
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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer 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 2025
Solvency, return and age of the figures
Solvency
-95.3%
Return on assets
-621.9%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 26 years 0 30 y
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year -€32,708
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
2 d early
2024
28 d early
2023
146 d early
2022
31 d late
2021
131 d early
2020
53 d early
2019
142 d 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 67 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

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 months
Position in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 17 December 1999, CIBE.E was incorporated.1 Total assets went from EUR 1.9 million in 2018 to EUR 34,307 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

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Financials · fiscal year 2025, abbreviated schema

Equity
-€32,708
2024 · €180,648
Total assets
€34,307▼ 88.3%
2024 · €292,127
Net result
-€213,355
2024 · €107,608
Working capital
-€34,708
2024 · €178,648
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result€410,941▲ 76.5%€182,097▼ 55.7%€133,120▼ 26.9%€88,268▼ 33.7%-€225,010
Net result€418,302▲ 45.2%€200,284▼ 52.1%€148,620▼ 25.8%€107,608▼ 27.6%-€213,355
Equity€774,347▲ 117%€274,419▼ 64.6%€423,039▲ 54.2%€180,648▼ 57.3%-€32,708
Total assets€783,543▲ 112%€286,957▼ 63.4%€428,286▲ 49.3%€292,127▼ 31.8%€34,307▼ 88.3%
Debt€9,196▼ 34.3%€12,537▲ 36.3%€5,247▼ 58.2%€111,479▲ 2,025%€67,015▼ 39.9%
Working capital€772,347▲ 237%€272,419▼ 64.7%€231,693▼ 14.9%€178,648▼ 22.9%-€34,708
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
  • 2022 Net result -52% on 2021. The accounts now follow the micro schema, last year the abbreviated schema.
Result per fiscal year
Operating resultNet result
-€400,000-€200,000€0€200,000€400,000Operating result 2021: €410,941€410,941Net result 2021: €418,302€418,302Operating result 2022: €182,097€182,097Net result 2022: €200,284€200,284Operating result 2023: €133,120€133,120Net result 2023: €148,620€148,620Operating result 2024: €88,268€88,268Net result 2024: €107,608€107,608Operating result 2025: -€225,010-€225,010Net result 2025: -€213,355-€213,35520212022202320242025-€300,000-€200,000-€100,000€0€100,000Operating result 2023: €133,120€133,000Net result 2023: €148,620€149,000Operating result 2024: €88,268€88,300Net result 2024: €107,608€108,000Operating result 2025: -€225,010-€225,000Net result 2025: -€213,355-€213,000202320242025
The operating result turns negative in 2025: a loss of €225,010 after €88,268 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €34,307
Fixed assets €2,000 =
Current assets €32,307 ▼ 88.9%
Key figures and ratios
2025 value · change against 2024
Solvency
-95.3%▼
2024 · 61.8%
Current ratio
0.48▼
2024 · 2.60
Debt to equity
-2.05▼
2024 · 0.62
ROA
-621.9%▼
2024 · 36.8%
Debt ≤ 1 year
€67,015▼
2024 · €111,479
Income taxes
€507▲
2024 · €208
Staff costs
€2,314
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 6,640 companies that looked in July 2024 the way this one looks now, 4.1% went bankrupt within 24 months and 84% are still going.

  • Micro
  • 20 years or older
  • negative equity
  • a loss of 10% of the balance sheet or more
4.1% went bankrupt
9.9% stopped otherwise
84% still going

A further 2.0% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 6,640 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet Code20242025
Assets
Total assets20/58€292,127€34,307▼
Fixed assets21/28€2,000€2,000=
Financial fixed assets28€2,000€2,000=
Current assets29/58€290,127€32,307▼
Amounts receivable after more than one year29€194,346-
Other amounts receivable291€194,346-
Amounts receivable within one year40/41€49,792€29,058▼
Trade receivables40€49,421€29,023▼
Other amounts receivable41€371€35▼
Cash at bank and in hand54/58€15,952€2,824▼
Deferred charges and accrued income490/1€30,036€425▼
Equity and liabilities
Total equity and liabilities10/49€292,127€34,307▼
Equity10/15€180,648-€32,708▼
Contributions10/11€8.8m€8.8m=
Capital10€8.8m€8.8m=
Issued capital100€8.8m€8.8m=
Profit (loss) carried forward14-€8.6m-€8.8m▼
Amounts payable17/49€111,479€67,015▼
Amounts payable within one year42/48€111,479€67,015▼
Trade debts44€3,369€4,282▲
Suppliers440/4€3,369€4,282▲
Taxes, remuneration and social security45€5,042€5,982▲
Taxes450/3€5,042€5,982▲
Other amounts payable47/48€103,068€56,752▼
Income statement Code20242025
Remuneration, social security and pensions62-€2,314
Other operating charges640/8€1,546€1,744▲
Non-recurring operating charges66A-€297,013
Gross operating margin9900€89,814€76,061▼
Operating profit (loss)9901€88,268-€225,010▼
Financial income75/76B€19,651€12,233▼
Recurring financial income75€19,651€12,233▼
Financial charges65/66B€103€72▼
Recurring financial charges65€103€72▼
Profit (loss) for the period before taxes9903€107,816-€212,848▼
Income taxes67/77€208€507▲
Profit (loss) for the period9904€107,608-€213,355▼
Profit (loss) for the period to be appropriated9905€107,608-€213,355▼
Appropriation of the result
Profit (loss) to be appropriated9906-€8.6m-€8.8m▼
Profit (loss) brought forward from the previous period14P-€8.7m-€8.6m▲

The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Remuneration, social security and pensions62-€35,512--€2,314-
Other operating charges640/8-€1,614€2,279€1,546€1,744▲ 12.8%
Non-recurring operating charges66A----€297,013-
Gross operating margin9900€446,969€219,223€135,399€89,814€76,061▼ 15.3%
Operating profit (loss)9901€410,941€182,097€133,120€88,268-€225,010▼ 355%
Financial income75/76B-€18,502€15,817€19,651€12,233▼ 37.7%
Recurring financial income75€111,991€18,502€15,817€19,651€12,233▼ 37.7%
Financial charges65/66B-€111€112€103€72▼ 30.2%
Recurring financial charges65€137€111€112€103€72▼ 30.2%
Profit (loss) for the period before taxes9903€418,506€200,488€148,825€107,816-€212,848▼ 297%
Income taxes67/77€204€204€205€208€507▲ 144%
Profit (loss) for the period9904€418,302€200,284€148,620€107,608-€213,355▼ 298%
Profit (loss) for the period to be appropriated9905€418,302€200,284€148,620€107,608-€213,355▼ 298%
Line20212022202320242025Change
Assets
Total assets20/58€783,543€286,957€428,286€292,127€34,307▼ 88.3%
Fixed assets21/28€2,000€2,000€191,346€2,000€2,000=
Financial fixed assets28€2,000€2,000€191,346€2,000€2,000=
Current assets29/58€781,543€284,957€236,940€290,127€32,307▼ 88.9%
Amounts receivable after more than one year29---€194,346--
Other amounts receivable291---€194,346--
Amounts receivable within one year40/41€737,885€258,493€199,682€49,792€29,058▼ 41.6%
Trade receivables40-€30,421€28,125€49,421€29,023▼ 41.3%
Other amounts receivable41-€228,071€171,558€371€35▼ 90.5%
Cash at bank and in hand54/58€30,660€17,675€18,722€15,952€2,824▼ 82.3%
Deferred charges and accrued income490/1-€8,789€18,536€30,036€425▼ 98.6%
Equity and liabilities
Total equity and liabilities10/49€783,543€286,957€428,286€292,127€34,307▼ 88.3%
Equity10/15€774,347€274,419€423,039€180,648-€32,708▼ 118%
Contributions10/11€9.8m€9.1m€9.1m€8.8m€8.8m=
Capital10-€9.1m€9.1m€8.8m€8.8m=
Issued capital100-€9.1m€9.1m€8.8m€8.8m=
Profit (loss) carried forward14-€9.1m-€8.9m-€8.7m-€8.6m-€8.8m▼ 2.5%
Amounts payable17/49€9,196€12,537€5,247€111,479€67,015▼ 39.9%
Amounts payable within one year42/48€9,196€12,537€5,247€111,479€67,015▼ 39.9%
Trade debts44€765€4,049€2,791€3,369€4,282▲ 27.1%
Suppliers440/4-€4,049€2,791€3,369€4,282▲ 27.1%
Taxes, remuneration and social security45-€8,488€2,456€5,042€5,982▲ 18.6%
Taxes450/3-€2,583€2,456€5,042€5,982▲ 18.6%
Remuneration and social security454/9-€5,905----
Other amounts payable47/48---€103,068€56,752▼ 44.9%
Line20212022202320242025Change
Profit (loss) for the period9904€418,302€200,284€148,620€107,608-€213,355▼ 298%
Operating cash flow (approximation)€418,302€200,284€148,620€107,608-€213,355▼ 298%
Investment in fixed assets (approximation)-€0-€189,346€189,346€0▼ 100%
Change in cash--€12,984€1,046-€2,770-€13,128▼ 374%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
29-07
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial Weakest financial yearnet -€213,355
Net result drops to -€213,355, the lowest in the series.
03-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
07-03
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
22-03
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial Liquidity times 5current ratio 84.98
Current ratio from 17.35 to 84.98; short-term debt falls from €14,006 to €9,196.
31-12
Financial Equity above €500,000Eq €774,347 ▲117%
4 profitable years in a row build equity to €774,347.
08-06
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
11-03
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial Equity above €2mEq €2.4m ▲23.6%
2 profitable years in a row build equity to €2.4m.
12-06
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
07-06
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
12-06
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.
0 of 13 acts read
About the unread acts

We know of 13 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
13 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 2000
seat establishment The establishment unit on the map
Ground area
3,682 m²
Building footprint
189 m²
Volume, LiDAR
3,215 m³
Parcel 11462A0350/00E004, Flanders · tallest building 20.6 m, ±6 floors. Linked by address, not a title deed.
10 companies at this address See who is registered here
1 establishment unit
Valkenveld 2, 2610 Antwerpen
Financial service activities, except insurance and pension funding
since 20002.099.390.992
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11462A0350/00E004 Flanders 3,682 m² 1 · 189 m² 20.6 m · 6 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 5,712 companies in sector 70100 we hold annual accounts for 3,504. 2,378 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPublic limited company
Founded17-12-1999
Fiscal year end31-12
Activities, NACEBEL 2025
70100Activities of head offices
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID 0208:0468437051
Registered 03-12-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.