CP4U
ActiveCP4U has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27k and a net result of €-9k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 87% of 8002 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-2
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.28 against 2.87 in 2024; short-term debt: 15.4% and cash: 5.4% of total assets), and 15.4% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
84.6%
Return on assets
-28.7%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-9k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
29 d late
2023
30 d late
2022
29 d late
2021
26 d late
2020
25 d late
2019
91 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€27k▼ 25.4%
2024 · €36k
2018: €-53k
2019: €-41k
2020: €-40k
2021: €37k
2022: €23k
2023: €42k
2024: €36k
2018 → 2025
Total assets
€31k▼ 31.7%
2024 · €46k
2018: €78k
2019: €87k
2020: €43k
2021: €41k
2022: €32k
2023: €51k
2024: €46k
2018 → 2025
Net result
€-9k▼ 50.8%
2024 · €-6k
2018: €11k
2019: €12k
2020: €884
2021: €77k
2022: €-13k
2023: €18k
2024: €-6k
2018 → 2025
Working capital
€6k▼ 68.1%
2024 · €19k
2018: €-74k
2019: €62k
2020: €23k
2021: €27k
2022: €14k
2023: €31k
2024: €19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€37k-€23k▼ 36.4%€42k▲ 76.9%€36k▼ 14.4%€27k▼ 25.4%
Operating result€78k-€-13k€18k€-7k€-9k▼ 35.7%
Net result€77k-€-13k€18k€-6k€-9k▼ 50.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €9k in 2025 against €7k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €31k
Fixed assets
€20k▲ 25.9%
Current assets
€11k▼ 62.9%
Equity and liabilities €31k
Equity
€27k▼ 25.4%
Debt
€5k▼ 53.4%
The debt ratio falls from 22.6% to 15.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-4k▼
2024 · €-2k
Cash flow
€-4k▼
2024 · €-919
Solvency
84.6%▲
2024 · 77.4%
Current ratio
2.28▼
2024 · 2.87
Quick ratio
2.28▼
2024 · 2.87
Debt / equity
0.18▼
2024 · 0.29
ROE
-34.0%▼
2024 · -16.8%
ROA
-28.7%▼
2024 · -13.0%
Interest coverage
-18.40▼
2024 · -7.40
Debt
€5k▼
2024 · €10k
Debt ≤ 1 year
€5k▼
2024 · €10k
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€46k€31k▼
Fixed assets21/28€16k€20k▲
Tangible fixed assets22/27€16k€20k▲
Plant, machinery and equipment23€5k€10k▲
Furniture and vehicles24€7k€5k▼
Other tangible fixed assets26€4k€5k▲
Financial fixed assets28€305€305=
Current assets29/58€30k€11k▼
Amounts receivable within one year40/41€24k€4k▼
Trade receivables40€592€1k▲
Other amounts receivable41€24k€2k▼
Cash at bank and in hand54/58€1k€2k▲
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€46k€31k▼
Equity10/15€36k€27k▼
Contributions10/11€19k€19k=
Reserves13€17k€8k▼
Distributable reserves133€17k€8k▼
Amounts payable17/49€10k€5k▼
Amounts payable within one year42/48€10k€5k▼
Financial debts43€711€294▼
Credit institutions430/8€711€294▼
Trade debts44€88€7▼
Suppliers440/4€88€7▼
Taxes, remuneration and social security45€4k€4k▼
Taxes450/3€4k€4k▼
Other amounts payable47/48€6k€906▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▼
Other operating charges640/8€436€824▲
Gross operating margin9900€-1k€-3k▼
Operating profit (loss)9901€-7k€-9k▼
Financial income75/76B€795€130▼
Recurring financial income75€795€130▼
Financial charges65/66B€204€231▲
Recurring financial charges65€204€231▲
Profit (loss) for the period before taxes9903€-6k€-9k▼
Profit (loss) for the period9904€-6k€-9k▼
Profit (loss) for the period to be appropriated9905€-6k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€-9k▼
Transfer from equity791/2€6k€9k▲
The notes to these accounts (8 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2022
31-12
Financial
Weakest financial yearnet €-13k ▼117%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 26 days late
2021
31-12
Financial
Highest result since 2018net €77k ▲8621%
Operating result €78k, net result €77k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 8.52
Current ratio from 3.58 to 8.52; short-term debt falls from €9k to €4k.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 25 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
2019
31-12
Financial
Liquidity times 17current ratio 7.41
Current ratio from 0.43 to 7.41; short-term debt falls from €131k to €10k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-07
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.
Directors · office · real estate
Directors
1 act for this company is 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, Brussel · 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.
Kerstenmannekensstraat 11000 BrusselGround area
179 m²
Building footprint
116 m²
Volume, LiDAR
2,223 m³
Parcel 21004A1051/00E000, Brussels · tallest building 23.0 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Kerstenmannekensstraat 1, 1000 Brussel
since 19962.074.844.549
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21004A1051/00E000 | Brussels | 179 m² | 1 · 116 m² | 23.0 m · 7 fl. |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
LUXE MODE
BE 0676.439.990
Anderlecht · Eq €26k
MADELEINE
BE 0806.736.429
Asse · Eq €27k
B&S UNITED
BE 0562.861.997
Antwerpen · Eq €26k
AD TEXTILE GIFTS
BE 0744.733.831
Nivelles · Eq €27k
Lemai
BE 0694.508.617
Elsene · Eq €26k
Of 1,311 companies in sector 46423 we hold annual accounts for 812. 454 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-12-1995
Fiscal year end31-12
Activities, NACEBEL
46423Wholesale of clothing, excluding workwear and underwear
51421
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
72300
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.