CIBORGS GROUP
ActiveCIBORGS GROUP has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €-7k. Its solvency ranks better than 12% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▼-46
Solvency30▼-1
Growth32
Track record82
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.63 against 0.17 in 2024; short-term debt: 13.4% and cash: 1.2% of total assets), and 95.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
4.6%
Return on assets
-1.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 31616 sector peers (2025).
NBB · sector comparisonPosition among 31616 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
124 d late
2023
8 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€22k▼ 25.0%
2024 · €30k
2024: €30k
2024 → 2025
Total assets
€484k▲ 3.5%
2024 · €467k
2024: €467k
2024 → 2025
Net result
€-7k
2024 · €18k
2024: €18k
2024 → 2025
Working capital
€-24k▲ 56.9%
2024 · €-55k
2024: €-55k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€30k-€22k▼ 25.0%
Operating result€22k-€10k▼ 54.0%
Net result€18k-€-7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 54% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €484k
Fixed assets
€443k▼ 3.0%
Current assets
€41k▲ 275%
Equity and liabilities €484k
Equity
€22k▼ 25.0%
Debt
€462k▲ 5.4%
The debt ratio rises from 93.7% to 95.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€24k▼
2024 · €32k
Cash flow
€6k▼
2024 · €28k
Solvency
4.6%▼
2024 · 6.3%
Current ratio
0.63▲
2024 · 0.17
Quick ratio
0.63▲
2024 · 0.17
Debt / equity
20.77▲
2024 · 14.78
ROE
-33.3%▼
2024 · 60.2%
ROA
-1.5%▼
2024 · 3.8%
Interest coverage
1.35▼
2024 · 19.96
Debt
€462k▲
2024 · €438k
Debt ≤ 1 year
€65k▼
2024 · €66k
Debt > 1 year
€397k▲
2024 · €372k
Income taxes
€-92▼
2024 · €2k
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€467k€484k▲
Fixed assets21/28€456k€443k▼
Tangible fixed assets22/27€456k€443k▼
Land and buildings22€454k€442k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€11k€41k▲
Amounts receivable within one year40/41€11k€35k▲
Trade receivables40-€30k
Other amounts receivable41€11k€5k▼
Cash at bank and in hand54/58-€6k
Deferred charges and accrued income490/1-€0
Equity and liabilities
Total equity and liabilities10/49€467k€484k▲
Equity10/15€30k€22k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€27k€20k▼
Amounts payable17/49€438k€462k▲
Amounts payable after more than one year17€372k€397k▲
Financial debts170/4€372k€397k▲
Amounts payable within one year42/48€66k€65k▼
Current portion of amounts payable after more than one year42€8k€16k▲
Financial debts43€1k€0▼
Credit institutions430/8€1k€0▼
Trade debts44€34k€497▼
Suppliers440/4€34k€497▼
Taxes, remuneration and social security45€23k€6k▼
Taxes450/3€23k€6k▼
Remuneration and social security454/9-€0
Other amounts payable47/48-€42k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€14k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€34k€26k▼
Operating profit (loss)9901€22k€10k▼
Financial charges65/66B€2k€18k▲
Recurring financial charges65€2k€18k▲
Profit (loss) for the period before taxes9903€20k€-7k▼
Income taxes67/77€2k€-92▼
Profit (loss) for the period9904€18k€-7k▼
Profit (loss) for the period to be appropriated9905€18k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€20k▼
Profit (loss) brought forward from the previous period14P€9k€27k▲
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
02-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 124 days late
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
NBB filing
Directors · office · real estate
Directors
3 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, Liège · 1 establishment unit since 2023
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.
Rue du Vicinal 314020 LiègeGround area
1.2 ha
Building footprint
901 m²
Volume, LiDAR
34,247 m³
2 parcels, Flanders, Wallonia · tallest building 42.8 m, ±14 floors. Linked by address, not a title deed.
1 establishment unit
CIBORGS GROUP
since 20232.355.971.830
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22002C0073/00N009 | Flanders | 1.1 ha | 1 · 865 m² | 42.8 m · 14 fl. |
| 62059B0420/00T002 | Wallonia | 259 m² | 1 · 36 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
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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TP element
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 31,702 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-09-2023
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68121Development of residential building projects
68122Development of non-residential building projects
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
77221Rental and leasing activities
77320Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.