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CMA IMMO

Active
Private limited companyfounded 200422 yrs activeChemin du Bon Dieu 217, 7390 Quaregnon, BelgiumKBO/BCE: BE 0864.208.632
Summary

CMA IMMO has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €132,547 and a net result of €119,087. Equity is growing by ~57.2% per year across the filed fiscal years. Its solvency ranks better than 40% of 1101 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).

Risk analysisWatch ReportCompare
CMA IMMOActiveChecked score 67/100
Risk analysis ReportCompare

Overview

Activity
Advertising agencies
NACE 73110NACE 74401
#2 oldest company in Quaregnon, Professional and technical services sector1 site
Size
€383,427total assets 2024
Equity
€132,547
Profit
€119,087
Financial health
67 Healthy Checked score 2024
Bankruptcy chance 12 m
0.9%
Structure
Holdings
1
Accounts 66 d overdue0 of 5 deeds read
Why 67- Figures for FY 2024 (filed 04-09-2025)- 1 financial year not filed after the legal deadline; latest accounts 32 days late; 2 of the last 3 late+ Founded in 2004+ Sector Advertising, market research and public relations activities (NACE 73)Show the evidence

Checked score

Score 2024
67 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 51% of its sector peers (NACE 73, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Strong
Solvency 60-19
equity 34.6% of total assets
Liquidity 44+5
short-term debt 35.9% · cash 8.2%
Profitability 100+7
return on assets 31.1%
Bankruptcy probability, 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%

About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (11,215 companies)
Last 24 months 11-2024: 1.0%highest value 12-2024: 0.3%▼ -65.9% vs 11-2024 01-2025: 0.3%▼ -1.8% vs 12-2024 02-2025: 0.3%● 0.0% vs 01-2025 03-2025: 0.3%▼ -0.9% vs 02-2025lowest value 04-2025: 0.3%▲ +1.2% vs 03-2025 05-2025: 0.3%▲ +0.3% vs 04-2025 06-2025: 0.3%▼ -0.6% vs 05-2025 07-2025: 0.4%▲ +29.5% vs 06-2025 08-2025: 0.6%▲ +51.1% vs 07-2025 09-2025: 0.7%▲ +14.8% vs 08-2025 10-2025: 0.4%▼ -45.6% vs 09-2025 11-2025: 0.4%● 0.0% vs 10-2025 12-2025: 0.4%● 0.0% vs 11-2025 01-2026: 0.4%▼ -1.8% vs 12-2025 02-2026: 0.4%● 0.0% vs 01-2026 03-2026: 0.4%▼ -1.5% vs 02-2026 04-2026: 0.4%▲ +0.3% vs 03-2026 05-2026: 0.4%▲ +1.0% vs 04-2026 06-2026: 0.4%▼ -1.8% vs 05-2026 07-2026: 0.4%▲ +1.3% vs 06-2026 08-2026: 0.8%▲ +95.3% vs 07-2026 09-2026: 0.8%▲ +3.4% vs 08-2026 10-2026: 0.9%▲ +16.8% vs 09-2026
  • Figures for FY 2024 (filed 04-09-2025) raises the probability
  • Founded in 2004 lowers the probability for this profile
  • 1 financial year not filed after the legal deadline; latest accounts 32 days late; 2 of the last 3 late raises the probability
  • Sector Advertising, market research and public relations activities (NACE 73) lowers the probability
Credit up to €8,000 at 30 days acceptable
Liquidity short (current ratio 0.24 against 0.28 in 2023; short-term debt: 35.9% and cash: 8.2% of total assets), and 65.4% 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 73, micro). Better than this share of them on solvency 37%, liquidity 27%, profitability 88%, growth against the median 51%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. 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.
−lowers risk+raises risk○neutral
raises risk · Figures for FY 2024 (filed 04-09-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Founded in 2004
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · 1 financial year not filed after the legal deadline; latest accounts 32 days late; 2 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Sector Advertising, market research and public relations activities (NACE 73)
In the bankruptcy model this factor lowers the probability.
KBO
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-09-2025, 32 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
not confirmed
2024
32 d late
2023
58 d late
2022
35 d early
2021
23 d early
2020
11 d early
2019
31 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 2 days before the deadline; the sector median for financial year 2024 is 6 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (1)
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 2024 · full…
  2. Highest result since 2018net €119,087 ▲154%
  3. Annual accounts filedfiscal year 2023 · full…

Key points

  • Positive: Result rose in 2024from €46,875 to €119,087 ▲ 154% View
  • Positive: Oldest company in Quaregnon, Professional and technical services…in the Checked rankings #2 View
  • Caution: Accounts not fileddeadline was 31-07-2026 66 d late View
  • Positive: 7 profitable years in a rowprofit 2024: €119,087 7 years View

By topic

Financials

Fiscal year
2024
Total assets
€383,427
Profit
€119,087
Solvency
34.6%
Total assets▲ 61.0%
Net result
20182024
Go to Financials

Timeline

Events
13
Since
2016
  1. 01-09-2025Annual accounts filed
  2. 31-12-2024Highest result since 2018
  3. 27-09-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Advertising agenciesNACE 73110
Founded
22-03-2004
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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