CIIB
ActiveSummary
CIIB has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15,879 and a net result of €52,293. Equity has been shrinking by about 9.8% per year since 2022. Its solvency ranks better than 37% of 17,149 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 16-01-2022 Normal situation
- Activity
- Real estate agency activities NACE 68310and 4 others
- Establishment unit
- 2.326.947.549 1450 Chastre, since 16-01-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 19-11-2025
Board and ownership
- Clement Quentin Patrick FrançoisDirector
- Clement Quentin Patrick François100 sharesact of 19-01-2022
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.2%
- Gross margin
- €66,281
- ▲ 8.9%
- Turnover
- ≈ €140,000
- estimated
- Profit
- €52,293
- ▲ 40.7%
- Equity
- €15,879
- ▼ 67.4%
- Total assets
- €113,487
- ▲ 5.9%
- 2025 accounts filed 42 days after the deadline
Score breakdownraises riskLast filed accounts filed 42 days late; 1 of the last 3 accounts lateEquity €15,879 (14.0% of total assets)lowers riskSector: Real estate activities (NACE 68)Liquidity: current ratio 1.14, cash €106,055Show the evidence
Checked score
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 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 68, micro). It does better than 35% of them on solvency, 60% on liquidity, 95% on profitability and 9% on growth.
The bankruptcy probability was computed on 04-11-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 4 accounts on average 30 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 42 days after the deadline Filed on 11 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00511605.
Annual accounts 2025 filed on 11-09-2026 at the NBB all 4 filings
Every figure per financial year
The operating result for 2025 is 41% higher than in 2024 and the highest since 2022. It is the second rise in a row, after the fall in 2023.
Investments
| Item | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Tangible fixed assets | €14,881 | - | - | €1,847 |
| Depreciation and write-downs of the year | €3,921 | €4,960 | €4,960 | €167 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Turnover70 | €110,669 | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €46,341 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,921 | €4,960 | €4,960 | €167 | ▼ 96.6% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €43,579 | -€43,579 | - | - |
| Other operating charges640/8 | €348 | €384 | €387 | - | - |
| Non-recurring operating charges66A | - | - | €52,111 | - | - |
| Gross operating margin9900 | €64,328 | €52,863 | €60,845 | €66,281 | ▲ 8.9% |
| Operating profit (loss)9901 | €60,059 | €3,940 | €46,965 | €66,115 | ▲ 40.8% |
| Financial income75/76B | - | €6,045 | €907 | €3 | ▼ 99.7% |
| Recurring financial income75 | - | €6,045 | €907 | €3 | ▼ 99.7% |
| Financial charges65/66B | €8 | €43 | €47 | €42 | ▼ 10.7% |
| Recurring financial charges65 | €8 | €43 | €47 | €42 | ▼ 10.7% |
| Profit (loss) for the period before taxes9903 | €60,051 | €9,942 | €47,824 | €66,075 | ▲ 38.2% |
| Income taxes67/77 | €20,443 | €3,884 | €10,662 | €13,783 | ▲ 29.3% |
| Profit (loss) for the period9904 | €39,608 | €6,058 | €37,162 | €52,293 | ▲ 40.7% |
| Profit (loss) for the period to be appropriated9905 | €39,608 | €6,058 | €37,162 | €52,293 | ▲ 40.7% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €94,821 | €83,666 | €107,124 | €113,487 | ▲ 5.9% |
| Fixed assets21/28 | €10,960 | €6,000 | €1,039 | €1,822 | ▲ 75.4% |
| Tangible fixed assets22/27 | €10,960 | €6,000 | €1,039 | €1,822 | ▲ 75.4% |
| Furniture and vehicles24 | €10,960 | €6,000 | €1,039 | €1,822 | ▲ 75.4% |
| Current assets29/58 | €83,861 | €77,667 | €106,085 | €111,664 | ▲ 5.3% |
| Amounts receivable after more than one year29 | - | - | €30,907 | - | - |
| Other amounts receivable291 | - | - | €30,907 | - | - |
| Amounts receivable within one year40/41 | €73,392 | €13,464 | €16,436 | €5,523 | ▼ 66.4% |
| Trade receivables40 | €73,392 | €13,337 | €16,436 | €5,523 | ▼ 66.4% |
| Other amounts receivable41 | - | €127 | - | - | - |
| Current investments50/53 | €10,356 | - | - | - | - |
| Cash at bank and in hand54/58 | - | €64,202 | €58,742 | €106,055 | ▲ 80.5% |
| Deferred charges and accrued income490/1 | €113 | - | - | €86 | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €94,821 | €83,666 | €107,124 | €113,487 | ▲ 5.9% |
| Equity10/15 | €42,608 | €48,666 | €48,666 | €15,879 | ▼ 67.4% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Reserves13 | €39,608 | €45,666 | €45,666 | €6,058 | ▼ 86.7% |
| Distributable reserves133 | €39,608 | €45,666 | €45,666 | €6,058 | ▼ 86.7% |
| Profit (loss) carried forward14 | - | - | - | €6,821 | - |
| Amounts payable17/49 | €52,213 | €35,001 | €58,459 | €97,608 | ▲ 67.0% |
| Amounts payable within one year42/48 | €52,213 | €35,001 | €58,459 | €97,608 | ▲ 67.0% |
| Trade debts44 | €166 | €362 | €72 | €1,000 | ▲ 14× |
| Suppliers440/4 | €166 | €362 | €72 | €1,000 | ▲ 14× |
| Advances received on contracts in progress46 | - | €4,084 | €4,084 | - | - |
| Taxes, remuneration and social security45 | €22,199 | €30,554 | €24,860 | €10,752 | ▼ 56.7% |
| Taxes450/3 | €20,443 | €30,554 | €24,860 | €10,752 | ▼ 56.7% |
| Remuneration and social security454/9 | €1,756 | - | - | - | - |
| Other amounts payable47/48 | €29,848 | - | €29,442 | €85,855 | ▲ 192% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €39,608 | €6,058 | €37,162 | €52,293 | ▲ 40.7% |
| + Depreciation and write-downs630 | €3,921 | €4,960 | €4,960 | €167 | ▼ 96.6% |
| Operating cash flow (approximation) | €43,529 | €11,018 | €42,122 | €52,459 | ▲ 24.5% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€950 | - |
| Change in cash | - | - | -€5,460 | €47,313 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 7,976 companies had the same profile as CIIB has now. Two years later, 94.4% were still going and 3.6% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of CIIB itself is lower: 0.2% within 12 months. It rests on far more data about CIIB than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,976 companies, not a prediction for CIIB. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Board & ownership
Directors
Owners and capital
Shareholders
- Clement Quentin Patrick François 100 shares (100%) · €3,000 in cash
Capital transactions
- 19-01-2022 Incorporation · €3,000 · 100 shares
Network & group
CIIB shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of CIIB. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
06-05
Gazette deed
Registered office moved from Gembloux to ChastreNew seat: Rue des Mottes, 9 à 1450 Chastre · Previous seat: Rue de Mazy, 100B à 5030 Gembloux · Director in office: Clément Quentin3 points ▸
- General meeting, 26-02-2024
- Registered-office move, Rue des Mottes, 9 à 1450 Chastre
- Director in office, Clément Quentin (director)
19-01
Gazette deed
IncorporationStarting capital €3,000 · Appointment: Clement Quentin Patrick François (director) · Founder: Clement Quentin Patrick François (actionnaire) · Founding capital €3,000, 100 shares6 points ▸
- Incorporation, 13-01-2022
- Founder, Clement Quentin Patrick François (actionnaire)
- Founding capital, €3,000, 100 shares
- Registered office clause, Rue de Mazy 100 boîte B000, 5030 Gembloux
- Board rule, 1
- Director appointment, Clement Quentin Patrick François (director (not named in the articles))
- The act holds 3 more points.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
On 16 January 2022, CIIB was incorporated as a private limited company by one natural person, with a starting capital of €3,000.12 In 2024 the registered office moved to Chastre.3 Clement Quentin Patrick François is director of the company, appointed in the act of 19-01-2022.2 Total assets went from €94,821 in 2022 to €113,487 in 2025.4
Company details
Register details
Identity
KBO recordRegistered office and establishments
1 former office
- Rue de Mazy, 100B, 5030 Gembloux until 26-02-2024 · act of 06-05-2024
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 25022B0543/00D002 | Wallonia | 734 m² | 1 · 65 m² | 0.1 m |