Checked.be
Active
BE 0463.567.651Private limited company
CMC
Turnhoutsebaan 151 ·2480 Dessel, Belgium· 28 yrs active
Sector: Retail sale of information and communication equipment
(47400)
Conclusion
CMC has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4.01M and a net result of €983k. Equity is growing by ~14.5% per year across the filed fiscal years. Its solvency ranks better than 91% of 9984 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Based on the State Gazette, CBE and 6 annual accounts.
Key figures
| Equity | €4.01M |
| Net result | €983k |
| Staff (FTE) | 12.1 |
| Better than sector | 91% |
Financial profile
96
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
100
Profitability
100
Solvency
100
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1998, 28 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
100
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€400k
estimate, not credit advice
Score history
75
2020
83
2021
93
2022
100
2023
93
2024
100
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 9.01 (≥ 1.5)
+10
Quick ratio
Quick ratio 8.87 (≥ 1.0)
+5
Leverage
Debt/equity 0.19 (< 1.0)
+10
Profitability
ROE 25% (≥ 10%)
+10
Interest coverage
Interest coverage 56.2× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 08-05-2026 with the NBB · fiscal year 2025 · abbreviated schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Net result: growth of ~11.7%/year over 6 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 84.1% | 37.6% | |
| Net result | €983k | €30k | |
| Equity | €4.01M | €260k | |
| Gross operating margin | €2.06M | €227k | |
| Staff costs | €605k | €158k |
€1.44M
+1.9%
20-25
€983k
+4.5%
20-25
€1.11M
+10.1%
20-25
€4.77M
+2.3%
20-25
€4.01M
+3.2%
20-25
€4.01M
+3.8%
20-25
12
+5.2%
20-25
€605k
+10.4%
20-25
€441k
+0.6%
20-25
€860k
+91.5%
20-25
€760k
-2.2%
20-25
€500k
-7.2%
20-25
9.01
+10.4%
20-25
8.87
+10.0%
20-25
84.1%
+0.9%
20-25
0.19
-5.2%
20-25
24.5%
+1.2%
20-25
20.6%
+2.1%
20-25
56.17
-11.1%
20-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | abbreviated schema | abbreviated schema | abbreviated schema | abbreviated schema | abbreviated schema |
| Revenue | - | - | - | - | - |
| EBITDA | €1.44M | €1.41M | €1.48M | €1.13M | €664k |
| Net profit | €983k | €941k | €976k | €742k | €765k |
| Cash flow | €1.11M | €1.01M | €1.03M | €808k | €822k |
| Staff costs | €605k | €548k | €471k | €445k | - |
| Income taxes | €441k | €438k | €443k | €291k | €213k |
| Dividends | €860k | €449k | €400k | €207k | €349k |
| Total assets | €4.77M | €4.66M | €4.27M | €3.81M | €3.12M |
| Equity | €4.01M | €3.88M | €3.39M | €2.66M | €2.33M |
| Debt | €760k | €778k | €878k | €1.14M | €790k |
| of which ≤ 1y | €500k | €539k | €629k | €839k | €604k |
| of which > 1y | - | - | - | - | - |
| Working capital | €4.01M | €3.86M | €3.43M | €2.82M | €2.35M |
| Employees (FTE) | 12.1 | 11.5 | 9.9 | 10.6 | 10.4 |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 9.01 | 8.16 | 6.46 | 4.36 | 4.89 |
| Quick ratio | 8.87 | 8.06 | 6.37 | 4.28 | 4.79 |
| Working capital ratio | 84.0% | 82.8% | 80.4% | 74.1% | 75.4% |
| Solvency | 84.1% | 83.3% | 79.4% | 70.0% | 74.7% |
| Debt / equity | 0.19 | 0.20 | 0.26 | 0.43 | - |
| Long-term debt ratio | - | - | - | - | - |
| Interest coverage | 56.17 | 63.18 | 28.24 | 25.66 | - |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 20.6% | 20.2% | 22.9% | 19.5% | 24.5% |
| ROE | 24.5% | 24.2% | 28.8% | 27.9% | 32.9% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (25 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €4.77M | €4.66M | €4.27M | €3.81M | €3.12M |
| Fixed assets | 21/28 | €262k | €264k | €208k | €148k | €163k |
| Tangible fixed assets | 22/27 | €262k | €264k | €208k | €148k | €163k |
| Financial fixed assets | 28 | - | - | - | - | €0 |
| Current assets | 29/58 | €4.51M | €4.40M | €4.06M | €3.66M | €2.95M |
| Stocks & contracts in progress | 3 | €70k | €54k | €54k | €61k | €58k |
| Amounts receivable within one year | 40/41 | €328k | €289k | €193k | €305k | €239k |
| Investments | 50/53 | €3.71M | €3.78M | €3.59M | €2.41M | €2.30M |
| Cash & bank | 54/58 | €394k | €277k | €225k | €875k | €356k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €4.77M | €4.66M | €4.27M | €3.81M | €3.12M |
| Equity | 10/15 | €4.01M | €3.88M | €3.39M | €2.66M | €2.33M |
| Contributions / capital | 10/11 | €19k | €19k | €19k | €19k | - |
| Reserves | 13 | €3.99M | €3.87M | €3.37M | €2.65M | €2.31M |
| Accumulated profits (losses) | 14 | €0 | €0 | €0 | €0 | - |
| Amounts payable | 17/49 | €760k | €778k | €878k | €1.14M | €790k |
| Amounts payable within one year | 42/48 | €500k | €539k | €629k | €839k | €604k |
| Trade debts payable within one year | 44 | €55k | €48k | €30k | €55k | €23k |
| Income statement | ||||||
| Gross operating margin | 9900 | €2.06M | €1.96M | €1.95M | €1.57M | €1.08M |
| Operating result | 9901 | €1.30M | €1.34M | €1.43M | €1.06M | €607k |
| Financial income | 75 | €145k | €63k | €42k | €16k | €43k |
| Financial charges | 65 | €26k | €22k | €52k | €44k | €21k |
| Result before taxes | 9903 | €1.42M | €1.38M | €1.42M | €1.03M | €629k |
| Income taxes | 67/77 | €441k | €438k | €443k | €291k | €213k |
| Net result for the period | 9904 | €983k | €941k | €976k | €742k | €416k |
| Result to be appropriated | 9905 | €983k | €941k | €976k | €742k | €765k |
Legal Structure
| NACE primary | Retail sale of information and communication equipment(47400) |
| Legal form | Private limited company(610) |
| Incorporation | 16-06-1998 |
| Status | Active |
| Postal code | 2480 |
Establishment units
CMC
since 19992.087.215.514
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13006B1091/00K004 | Flanders | 1,225 m² | 1 · 292 m² | 8.3 m · 1 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
08-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2020net €983k ▲4.5%
Net result €983k, the highest in the series.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
25-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
04-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
14-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Wholesale of information and communication equipment46500Wholesale trade46510Retail sale of information and communication equipment47400Retail trade47410Wired, wireless and satellite telecommunications61100Telecommunications resale and intermediation services61200Retail sale of motor vehicle parts and accessories47820Wholesale trade46442Retail trade47420Retail trade47430Retail trade47783Retail trade47784503025144252488Telecommunications6190074700Other building cleaning and industrial cleaning81220
Names & trade names
| Legal nameNL | CMC |
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