CM INVEST
ActiveCM INVEST has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-5k) and a net result of €2k. Equity is shrinking by ~36.2% per year across the filed fiscal years. Its solvency ranks better than 9% of 9113 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
40
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▼-39
Solvency9▼-10
Growth58=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.68 against 0.91 in 2024; short-term debt: 111.5% and cash: 7.7% of total assets), and equity is negative.
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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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 2025Solvency, return and age of the figures
Solvency
-16.3%
Return on assets
5.5%
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 dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 9113 sector peers (2025).
NBB · sector comparisonPosition among 9113 sector peers
Solvency
better than 9%
← 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 26-08-2026, 26 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 · 10 filingsDeviation from the deadline
2025
26 d late
2024
67 d late
2023
427 d late
2022
67 d late
2020
90 d late
2019
124 d late
2018
55 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-5k▲ 25.4%
2024 · €-6k
2018: €40k
2019: €40k
2020: €33k
2022: €21k
2023: €-16k
2024: €-6k
2018 → 2025
Total assets
€29k▼ 73.2%
2024 · €107k
2018: €166k
2019: €124k
2020: €111k
2022: €106k
2023: €188k
2024: €107k
2018 → 2025
Net result
€2k▼ 84.1%
2024 · €10k
2018: €-8k
2019: €932
2020: €-8k
2022: €9k
2023: €-37k
2024: €10k
2018 → 2025
Working capital
€-10k▼ 4.2%
2024 · €-10k
2018: €32k
2019: €34k
2020: €28k
2022: €18k
2023: €-16k
2024: €-10k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€33k-€21k▼ 36.3%€-16k€-6k▲ 61.5%€-5k▲ 25.4%
Operating result€-10k-€16k€-34k€12k€8k▼ 31.6%
Net result€-8k-€9k€-37k€10k€2k▼ 84.1%
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 32% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €29k
Fixed assets
€7k▲ 41.6%
Current assets
€22k▼ 78.6%
Key figures and ratios
EBITDA
€10k▼
2024 · €14k
Cash flow
€4k▼
2024 · €12k
Solvency
-16.3%▼
2024 · -5.8%
Current ratio
0.68▼
2024 · 0.91
Quick ratio
0.68▼
2024 · 0.91
Debt / equity
-7.13▲
2024 · -18.10
ROA
5.5%▼
2024 · 9.3%
Interest coverage
1.86▼
2024 · 9.87
Debt
€33k▼
2024 · €113k
Debt ≤ 1 year
€32k▼
2024 · €112k
Income taxes
€1k▲
2024 · €483
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€107k€29k▼
Fixed assets21/28€5k€7k▲
Tangible fixed assets22/27€4k€6k▲
Furniture and vehicles24€4k€6k▲
Financial fixed assets28€408€408=
Current assets29/58€102k€22k▼
Amounts receivable within one year40/41€34k€20k▼
Trade receivables40€19k€19k▼
Other amounts receivable41€15k€603▼
Cash at bank and in hand54/58€67k€2k▼
Deferred charges and accrued income490/1€687-
Equity and liabilities
Total equity and liabilities10/49€107k€29k▼
Equity10/15€-6k€-5k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€-27k€-25k▲
Amounts payable17/49€113k€33k▼
Amounts payable within one year42/48€112k€32k▼
Trade debts44€24k€12k▼
Suppliers440/4€24k€12k▼
Advances received on contracts in progress46€9k-
Taxes, remuneration and social security45€18k€19k▲
Taxes450/3€18k€19k▲
Other amounts payable47/48€62k€567▼
Accrued charges and deferred income492/3€1k€1k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-2k-
Other operating charges640/8€3k€16k▲
Gross operating margin9900€15k€27k▲
Operating profit (loss)9901€12k€8k▼
Financial income75/76B€20€12▼
Recurring financial income75€20€12▼
Financial charges65/66B€1k€5k▲
Recurring financial charges65€1k€5k▲
Profit (loss) for the period before taxes9903€10k€3k▼
Income taxes67/77€483€1k▲
Profit (loss) for the period9904€10k€2k▼
Profit (loss) for the period to be appropriated9905€10k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-27k€-25k▲
Profit (loss) brought forward from the previous period14P€-37k€-27k▲
The notes to these accounts (9 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
06-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 67 days late
01-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 427 days late
2024
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
2023
31-12
Financial
Weakest financial yearnet €-37k ▼498%
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
06-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 67 days late
2022
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
02-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 124 days late
2019
31-12
Financial
Back to profitnet €932
Net result €932 after one loss-making year.
24-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 55 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
19-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 19 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Vorst · 1 establishment unit since 2014
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.
Jean-Baptiste Vanpéstraat 42-441190 VorstGround area
529 m²
Building footprint
149 m²
Volume, LiDAR
2,119 m³
2 parcels, Brussels · tallest building 20.0 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Basilieklaan 355, 1081 Koekelberg
since 20142.225.575.225
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21011A0012/00K000 | Brussels | 381 m² | - | - |
| 21382C0113/00Y000 | Brussels | 148 m² | 1 · 149 m² | 20.0 m · 6 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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NORD HORIZON
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Of 11,751 companies in sector 68310 we hold annual accounts for 6,908. 3,967 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-12-2013
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
68322Real estate appraisal on a fee or contract basis
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:miriamb@live.be
Phone:0485104138