CM-CONSTRUCT
ActiveSummary
CM-CONSTRUCT has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €120k and a net result of €25k. Equity is growing by ~18.3% per year across the filed fiscal years. Its solvency ranks better than 83% of 1030 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▲+1
Solvency100▲+17
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 3.75 against 1.92 in 2024; short-term debt: 23% and cash: 56.5% of total assets), and 23% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 25
Relative position
BE, all sectors
reference
Sector 25
higher
← fewer bankruptcies
more bankruptcies →
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
77%
Return on assets
16.3%
Age of the figures
9 mo
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 04-07-2026, 27 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
27 d early
2024
25 d early
2023
25 d early
2022
14 d late
2021
25 d late
2020
29 d early
2019
34 d late
← before the deadline
after the deadline →
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 monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€120k▲ 16.7%
2024 · €103k
2018: €37k
2019: €47k
2020: €53k
2021: €60k
2022: €82k
2023: €102k
2024: €103k
2018 → 2025
Total assets
€155k▼ 12.3%
2024 · €177k
2018: €140k
2019: €112k
2020: €106k
2021: €129k
2022: €129k
2023: €149k
2024: €177k
2018 → 2025
Net result
€25k▼ 9.1%
2024 · €28k
2018: €19k
2019: €11k
2020: €8k
2021: €8k
2022: €24k
2023: €22k
2024: €28k
2018 → 2025
Working capital
€98k▲ 42.6%
2024 · €69k
2018: €-19k
2019: €10k
2020: €32k
2021: €52k
2022: €24k
2023: €56k
2024: €69k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€60k-€82k▲ 38.0%€102k▲ 24.5%€103k▲ 0.2%€120k▲ 16.7%
Operating result€14k-€33k▲ 131%€33k▲ 1.0%€41k▲ 25.6%€37k▼ 10.0%
Net result€8k-€24k▲ 200%€22k▼ 10.2%€28k▲ 28.3%€25k▼ 9.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €155k
Fixed assets
€21k ▼ 36.3%
Current assets
€134k ▼ 6.7%
Equity and liabilities €155k
Equity
€120k ▲ 16.7%
Debt
€36k ▼ 52.2%
Debt's share of the balance-sheet total falls from 42.1% to 23.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€49k▼
2024 · €54k
Cash flow
€38k▼
2024 · €41k
Current ratio
3.75▲
2024 · 1.92
Quick ratio
3.51▲
2024 · 1.87
Debt to equity
0.30▼
2024 · 0.73
ROE
21.2%▼
2024 · 27.2%
ROA
16.3%▲
2024 · 15.8%
Interest coverage
44.00▲
2024 · 34.33
Debt ≤ 1 year
€36k▼
2024 · €75k
Income taxes
€11k▼
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€177k€155k▼
Fixed assets21/28€34k€21k▼
Tangible fixed assets22/27€34k€21k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€28k€18k▼
Current assets29/58€144k€134k▼
Stocks and contracts in progress3€4k€9k▲
Stocks30/36€4k€9k▲
Amounts receivable within one year40/41€45k€38k▼
Trade receivables40€37k€31k▼
Other amounts receivable41€8k€7k▼
Cash at bank and in hand54/58€94k€88k▼
Equity and liabilities
Total equity and liabilities10/49€177k€155k▼
Equity10/15€103k€120k▲
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€84k€101k▲
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€82k€99k▲
Amounts payable17/49€75k€36k▼
Amounts payable within one year42/48€75k€36k▼
Trade debts44€8k€4k▼
Suppliers440/4€8k€4k▼
Advances received on contracts in progress46€2k-
Taxes, remuneration and social security45€21k€12k▼
Taxes450/3€21k€12k▼
Other amounts payable47/48€43k€20k▼
Income statement
Code20242025
Non-recurring operating income76A-€5k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€12k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€56k€52k▼
Operating profit (loss)9901€41k€37k▼
Financial income75/76B€30€223▲
Recurring financial income75€30€223▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€40k€36k▼
Income taxes67/77€12k€11k▼
Profit (loss) for the period9904€28k€25k▼
Profit (loss) for the period to be appropriated9905€28k€25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€28k€25k▼
Transfer from equity791/2€26k€7k▼
Transfer to equity691/2€26k€24k▼
To other reserves6921€26k€24k▼
Profit to be distributed694/7€28k€8k▼
Return on contributions (dividend)694€28k€8k▼
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
04-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
06-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €28k ▲28.3%
Operating result €41k, net result €28k, both a record.
06-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €102k ▲24.5%
6 profitable years in a row build equity to €102k.
14-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 14 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Weakest financial yearnet €8k ▼0.4%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 34 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Sint-Laureins · 1 establishment unit since 2017
Ground area
758 m²
Building footprint
154 m²
Volume, LiDAR
866 m³
Parcel 43014A0544/00D000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CM-CONSTRUCT
since 20172.260.374.271
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43014A0544/00D000 | Flanders | 758 m² | 1 · 154 m² | 8.6 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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Of 3,986 companies in sector 25110 we hold annual accounts for 2,147. 1,647 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-01-2017
Fiscal year end31-12
Activities, NACEBEL 2025
25110Manufacture of metal structures and parts of structures
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.