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CMA & CO

Active
Private limited companyfounded 201610 yrs activeJoseph Jacquetstraat 28, 1030 Schaarbeek, BelgiumKBO/BCE: BE 0645.730.582
Summary

The computed 12-month bankruptcy probability of CMA & CO is 5.1% (elevated). The 2025 annual accounts show equity of €54,183 and a net result of -€17,406. Equity is growing by ~19.2% per year across the filed fiscal years. Its solvency ranks better than 78% of 147 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
CMA & COActiveChecked score 37/100
Risk analysis ReportCompare

Overview

Activity
Other postal and courier activities
NACE 53200
1 site
Size
€84,091total assets 2025
Equity
€54,183
Loss
-€17,406
Turnover not published (abridged schema)
Financial health
37 Weak Checked score 2025
Bankruptcy chance 12 m
5.1%
Structure
Accounts filed 49 d late0 of 7 deeds read
Why 37- Latest accounts 49 days late; 3 of the last 3 late- Sector Postal and courier activities (NACE 53)- Loss of €17,406 (FY 2025)- 1 change of registered office in 24 monthsShow the evidence

Checked score

Score 2025
37 / 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 40% of its sector peers (NACE 53, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 89+18
equity 64.4% of total assets
Liquidity 46+1
short-term debt 35.6% · cash 10.0%
Profitability 0-75
return on assets -20.7%
Bankruptcy probability, 12 months
5.1% Elevated
0%0.5%1.5%4%10%≥ 25%

About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 2.6% (893 companies)
Last 24 months 11-2024: 10.0% 12-2024: 10.9%▲ +8.3% vs 11-2024 01-2025: 5.4%▼ -50.7% vs 12-2024 02-2025: 5.4%● 0.0% vs 01-2025 03-2025: 5.3%▼ -0.6% vs 02-2025 04-2025: 5.4%▲ +1.0% vs 03-2025 05-2025: 5.0%▼ -6.6% vs 04-2025 06-2025: 4.6%▼ -8.8% vs 05-2025lowest value 07-2025: 7.2%▲ +58.1% vs 06-2025 08-2025: 8.4%▲ +16.1% vs 07-2025 09-2025: 9.9%▲ +17.4% vs 08-2025 10-2025: 13.8%▲ +40.0% vs 09-2025highest value 11-2025: 7.6%▼ -45.2% vs 10-2025 12-2025: 7.6%● 0.0% vs 11-2025 01-2026: 7.6%● 0.0% vs 12-2025 02-2026: 7.6%● 0.0% vs 01-2026 03-2026: 7.6%● 0.0% vs 02-2026 04-2026: 8.0%▲ +5.1% vs 03-2026 05-2026: 8.0%▲ +0.8% vs 04-2026 06-2026: 7.9%▼ -2.0% vs 05-2026 07-2026: 7.1%▼ -9.6% vs 06-2026 08-2026: 8.3%▲ +16.4% vs 07-2026 09-2026: 10.2%▲ +22.8% vs 08-2026 10-2026: 5.1%▼ -49.9% vs 09-2026
  • Latest accounts 49 days late; 3 of the last 3 late raises the probability
  • Sector Postal and courier activities (NACE 53) raises the probability
  • Loss of €17,406 (FY 2025) raises the probability
  • 1 change of registered office in 24 months raises the probability
Credit up to €2,000 at 30 days only on tighter terms
Liquidity ample (current ratio 2.29 against 1.67 in 2024; short-term debt: 35.6% and cash: 10% of total assets), and 35.6% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 53, micro). Better than this share of them on solvency 78%, liquidity 53%, profitability 8%, growth against the median 21%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Latest accounts 49 days late; 3 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Sector Postal and courier activities (NACE 53)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Loss of €17,406 (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-09-2026, 49 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 filings
Deviation from the deadline
2025
49 d late
2024
62 d late
2023
134 d late
2022
131 d late
2021
106 d late
2020
111 d late
2019
151 d late
← 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 106 days after the deadline; the sector median for financial year 2024 is 13 days after the deadline, and 56% 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. Usually files around 14 November (4 of the last 5 filed years within 44 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 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
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Weakest financial yearnet -€17,406
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Caution: Among the weakest 14% on net resultsector median €7,396 · 147 companies -€17,406 View
  • Total assets 20256 fiscal years filed €84,091 View
  • Active since 2016founded 08-01-2016 10 years View

By topic

Financials

Fiscal year
2025
Total assets
€84,091
Loss
-€17,406
Solvency
64.4%
Go to Financials

Timeline

Events
12
Since
2017
Next accounts
by 31-07-2027
  1. 18-09-2026Annual accounts filed
  2. 31-12-2025Weakest financial year
  3. 01-10-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Other postal and courier activitiesNACE 53200
Founded
08-01-2016
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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