CONFORBETON
ActiveCONFORBETON has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.18M and a net result of €120k. Equity is growing by ~15% per year across the filed fiscal years. Its solvency ranks better than 90% of 284 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
90
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability51▲+11
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity ample (current ratio 4.89 against 9.09 in 2024), and 17.9% of the assets are financed with debt.
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 · 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
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
82.1%
Return on assets
8.4%
Age of the figures
8 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 23
Relative position
BE, all sectors
reference
Sector 23
lower
← fewer bankruptcies
more bankruptcies →
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
44 d early
2023
16 d early
2022
20 d early
2021
17 d early
2020
17 d early
2019
2 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€120k▼ 3.3%
2024 · €125k
2018: €14k
2019: €143k
2020: €226k
2021: €333k
2022: €282k
2023: €292k
2024: €125k
2018 → 2025
Working capital
€961k▼ 26.5%
2024 · €1.31M
2018: €720k
2019: €720k
2020: €995k
2021: €1.32M
2022: €1.60M
2023: €1.93M
2024: €1.31M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.66M-€1.94M▲ 17.0%€2.23M▲ 15.1%€1.55M▼ 30.3%€1.18M▼ 24.4%
Operating result€347k-€303k▼ 12.7%€304k▲ 0.3%€123k▼ 59.4%€165k▲ 34.2%
Net result€333k-€282k▼ 15.2%€292k▲ 3.5%€125k▼ 57.3%€120k▼ 3.3%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 34% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.43M
Fixed assets
€224k▼ 12.1%
Current assets
€1.21M▼ 17.7%
Equity and liabilities €1.43M
Equity
€1.18M▼ 24.4%
Provisions
€10k▲ 42.8%
Debt
€247k▲ 52.9%
The debt ratio rises from 9.4% to 17.3%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€216k▲
2024 · €199k
Cash flow
€171k▼
2024 · €200k
Solvency
82.1%▼
2024 · 90.2%
Current ratio
4.89▼
2024 · 9.09
Quick ratio
3.36▼
2024 · 7.28
Debt / equity
0.21▲
2024 · 0.10
ROE
10.2%▲
2024 · 8.0%
ROA
8.4%▲
2024 · 7.2%
Interest coverage
16.57▲
2024 · 15.01
Debt
€247k▲
2024 · €162k
Debt ≤ 1 year
€247k▲
2024 · €162k
Income taxes
€35k▲
2024 · €146
Staff costs
€307k▼
2024 · €323k
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€1.72M€1.43M▼
Fixed assets21/28€254k€224k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€254k€223k▼
Land and buildings22€155k€151k▼
Plant, machinery and equipment23€67k€38k▼
Furniture and vehicles24€32k€34k▲
Financial fixed assets28-€370
Current assets29/58€1.47M€1.21M▼
Stocks and contracts in progress3€292k€378k▲
Stocks30/36€292k€378k▲
Amounts receivable within one year40/41€273k€237k▼
Trade receivables40€250k€225k▼
Other amounts receivable41€24k€12k▼
Current investments50/53€0-
Cash at bank and in hand54/58€904k€590k▼
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€1.72M€1.43M▼
Equity10/15€1.55M€1.18M▼
Contributions10/11€700k€700k=
Capital10€700k€700k=
Issued capital100€700k€700k=
Reserves13€70k€70k=
Non-distributable reserves130/1€70k€70k=
Legal reserve130€70k€70k=
Profit (loss) carried forward14€785k€405k▼
Provisions and deferred taxes16€7k€10k▲
Provisions for liabilities and charges160/5€7k€10k▲
Environmental obligations163-€0
Other liabilities and charges164/5€7k€10k▲
Amounts payable17/49€162k€247k▲
Amounts payable within one year42/48€162k€247k▲
Trade debts44€104k€197k▲
Suppliers440/4€104k€197k▲
Taxes, remuneration and social security45€58k€50k▼
Taxes450/3€12k€15k▲
Remuneration and social security454/9€46k€35k▼
Other amounts payable47/48€0-
Income statement
Code20242025
Remuneration, social security and pensions62€323k€307k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€76k€51k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-57€90k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€-4k€3k▲
Other operating charges640/8€45k€46k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€563k€662k▲
Operating profit (loss)9901€123k€165k▲
Financial income75/76B€15k€3k▼
Recurring financial income75€15k€3k▼
Financial charges65/66B€13k€13k▼
Recurring financial charges65€13k€13k▼
Profit (loss) for the period before taxes9903€125k€155k▲
Income taxes67/77€146€35k▲
Profit (loss) for the period9904€125k€120k▼
Profit (loss) for the period to be appropriated9905€125k€120k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.58M€905k▼
Profit (loss) brought forward from the previous period14P€1.46M€785k▼
Profit to be distributed694/7€800k€500k▼
Return on contributions (dividend)694€800k€500k▼
Social balance
Average headcount (FTE)90876.96.8▼
The notes to these accounts (11 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Equity above €2MEq €2.23M ▲15.1%
6 profitable years in a row build equity to €2.23M.
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €333k ▲47.2%
Operating result €347k, net result €333k, both a record.
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Equity above €1MEq €1.10M ▲15%
2 profitable years in a row build equity to €1.10M.
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 directors, no change since 2025
Danny ROOSENS
CurrentManaging director · since 12-09-2025
12-09-2025
Danny ROOSENS: Appointed as Managing director
12-09-2025
Danny ROOSENS: Appointed as Chair
10-09-2025
Eddy ROOSENS: Resigned as Director
07-08-2025
Kernal Invest: Resigned as Director
Location & real-estate footprint
Registered office, Charleroi · 1 establishment unit since 1996
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.
Rue du Pays-Bas 486061 Charleroi1 establishment unit
Rue du Pays-Bas 48, 6061 Charleroi
since 19962.078.258.454
Similar companies · same sector, comparable size
CHS Group
BE 0552.790.033
Merelbeke-Melle · Eq €1.18M
Beton- en Bouwmaterialen PAUWELS
BE 0415.698.151
Geel · Eq €1.16M
ALPHA BETON
BE 0449.377.145
Sankt Vith · Eq €1.15M
PAULISSEN BETON
BE 0473.437.303
Genk · Eq €1.13M
URBASTYLE
BE 0654.930.142
Tournai · Eq €1.22M
Of 396 companies in sector 23610 we hold annual accounts for 311. 234 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded12-09-1996
Fiscal year end31-12
Activities, NACEBEL
23610Manufacture of other non-metallic mineral products
23660Manufacture of other non-metallic mineral products
23690Manufacture of other non-metallic mineral products
26660
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filings
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.