CT&M
ActiveSummary
For CT&M, at least two filing cycles of the annual accounts are missing. The 2022 annual accounts show equity of €46,272 and a net result of €1,822. Equity is growing by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 12% of 8813 sector peers (fiscal year 2022). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
No current score
Figures too old
The available figures for FY 2022 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2022 · tick = 2021
Profitability35▼-8
Solvency32=
Growth52=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2022Solvency, return and age of the figures
Solvency
6.7%
Return on assets
0.3%
Age of the figures
48 mo
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
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · Two or more financial years not filed
Since the financial year that closed on 30-09-2023, 3 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
30-09-2023 close30-04-2024 deadline28-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 30-09-2022 was due by 30-04-2023 and was filed on 28-07-2023, 89 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
not filed
2024
not filed
2023
not filed
2022
89 d late
2021
667 d late
2020
61 d late
2019
29 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 212 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2022, abbreviated schema
Equity
€46,272▲ 4.1%
2021 · €44,449
Total assets
€686,800▲ 11.8%
2021 · €614,233
Net result
€1,822▼ 35.5%
2021 · €2,826
Working capital
€221,835▲ 32.9%
2021 · €166,943
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20182019202020212022
Operating result€22,958-€22,049▼ 4.0%€24,333▲ 10.4%€16,799▼ 31.0%€22,054▲ 31.3%
Net result€7,832-€6,665▼ 14.9%€766below the sector's middle half▼ 88.5%€2,826below the sector's middle half▲ 269%€1,822below the sector's middle half▼ 35.5%
Equity€34,193-€40,858▲ 19.5%€41,623below the sector's middle half▲ 1.9%€44,449below the sector's middle half▲ 6.8%€46,272below the sector's middle half▲ 4.1%
Total assets€621,949-€1.1m▲ 71.4%€674,141within the sector's middle half▼ 36.7%€614,233within the sector's middle half▼ 8.9%€686,800within the sector's middle half▲ 11.8%
Debt€587,756-€1.0m▲ 74.4%€632,518▼ 38.3%€569,784▼ 9.9%€640,529▲ 12.4%
Working capital€37,456-€69,810▲ 86.4%€35,276below the sector's middle half▼ 49.5%€166,943within the sector's middle half▲ 373%€221,835within the sector's middle half▲ 32.9%
Solvency5.5%-3.8%▼ 1.7pp6.2%below the sector's middle half▲ 2.3pp7.2%below the sector's middle half▲ 1.1pp6.7%below the sector's middle half▼ 0.5pp
Current ratio1.07-1.12▲ 0.051.06below the sector's middle half▼ 0.061.40within the sector's middle half▲ 0.341.61within the sector's middle half▲ 0.21
Return on assets (ROA)1.3%-0.6%▼ 0.6pp0.1%below the sector's middle half▼ 0.5pp0.5%below the sector's middle half▲ 0.3pp0.3%below the sector's middle half▼ 0.2pp
Staff (FTE)1-0.8▼ 20.0%0.1below the sector's middle half1below the sector's middle half▲ 900%
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2022; 2022 is 31% above 2021.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Assets €686,800
Fixed assets
€99,437 ▲ 262%
Current assets
€587,363 ▲ 0.1%
Equity and liabilities €686,800
Equity
€46,272 ▲ 4.1%
Debt
€640,529 ▲ 12.4%
Debt's share of the balance-sheet total rises from 92.8% to 93.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€30,891▼
2021 · €32,096
Cash flow
€10,659▼
2021 · €18,122
Debt to equity
13.84▲
2021 · 12.82
ROE
3.9%▼
2021 · 6.4%
Interest coverage
1.97▼
2021 · 2.84
Debt ≤ 1 year
€365,529▼
2021 · €419,784
Debt > 1 year
€275,000▲
2021 · €150,000
Income taxes
€4,649▲
2021 · €3,304
Staff costs
€22,143▲
2021 · €136
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €1,500 | - | - |
| Remuneration, social security and pensions62 | - | - | - | €136 | €22,143 | ▲ 16,151% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,778 | €13,495 | €11,780 | €15,296 | €8,837 | ▼ 42.2% |
| Other operating charges640/8 | - | - | - | €2,240 | €2,634 | ▲ 17.6% |
| Non-recurring operating charges66A | - | - | - | €401 | €4,329 | ▲ 981% |
| Gross operating margin9900 | €71,318 | €120,663 | €64,013 | €34,872 | €59,997 | ▲ 72.0% |
| Operating profit (loss)9901 | €22,958 | €22,049 | €24,333 | €16,799 | €22,054 | ▲ 31.3% |
| Financial income75/76B | - | - | - | €639 | €131 | ▼ 79.6% |
| Recurring financial income75 | €0 | €2,014 | €165 | €639 | €131 | ▼ 79.6% |
| Financial charges65/66B | - | - | - | €11,309 | €15,714 | ▲ 39.0% |
| Recurring financial charges65 | €3,504 | €10,252 | €17,174 | €11,309 | €15,714 | ▲ 39.0% |
| Profit (loss) for the period before taxes9903 | €19,454 | €13,811 | €7,324 | €6,130 | €6,471 | ▲ 5.6% |
| Income taxes67/77 | €11,622 | €7,146 | €6,559 | €3,304 | €4,649 | ▲ 40.7% |
| Profit (loss) for the period9904 | €7,832 | €6,665 | €766 | €2,826 | €1,822 | ▼ 35.5% |
| Profit (loss) for the period to be appropriated9905 | €7,832 | €6,665 | €766 | €2,826 | €1,822 | ▼ 35.5% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €621,949 | €1.1m | €674,141 | €614,233 | €686,800 | ▲ 11.8% |
| Fixed assets21/28 | €21,085 | €392,006 | €38,994 | €27,507 | €99,437 | ▲ 262% |
| Tangible fixed assets22/27 | €21,060 | €391,981 | €38,969 | €27,482 | €99,412 | ▲ 262% |
| Plant, machinery and equipment23 | - | - | - | €3,947 | €4,457 | ▲ 12.9% |
| Furniture and vehicles24 | - | - | - | €23,535 | €94,955 | ▲ 303% |
| Financial fixed assets28 | €25 | €25 | €25 | €25 | €25 | = |
| Current assets29/58 | €600,864 | €673,798 | €635,147 | €586,726 | €587,363 | ▲ 0.1% |
| Stocks and contracts in progress3 | - | - | €5,000 | - | - | - |
| Amounts receivable within one year40/41 | €600,313 | €623,362 | €515,463 | €561,482 | €523,578 | ▼ 6.8% |
| Trade receivables40 | - | - | - | €554,118 | €517,842 | ▼ 6.5% |
| Other amounts receivable41 | - | - | - | €7,364 | €5,736 | ▼ 22.1% |
| Cash at bank and in hand54/58 | €6 | €9,401 | €110,956 | €15,128 | €28,968 | ▲ 91.5% |
| Deferred charges and accrued income490/1 | - | - | - | €10,116 | €34,817 | ▲ 244% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €621,949 | €1.1m | €674,141 | €614,233 | €686,800 | ▲ 11.8% |
| Equity10/15 | €34,193 | €40,858 | €41,623 | €44,449 | €46,272 | ▲ 4.1% |
| Contributions10/11 | €12,400 | €12,400 | - | €12,400 | €12,400 | = |
| Reserves13 | €21,610 | €21,793 | €29,223 | €29,223 | €32,049 | ▲ 9.7% |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | = |
| Distributable reserves133 | - | - | - | €27,363 | €30,189 | ▲ 10.3% |
| Profit (loss) carried forward14 | €183 | €6,665 | €183 | €2,826 | €1,822 | ▼ 35.5% |
| Amounts payable17/49 | €587,756 | €1.0m | €632,518 | €569,784 | €640,529 | ▲ 12.4% |
| Amounts payable after more than one year17 | €6,739 | €406,705 | - | €150,000 | €275,000 | ▲ 83.3% |
| Financial debts170/4 | - | - | - | €150,000 | €275,000 | ▲ 83.3% |
| Amounts payable within one year42/48 | €563,408 | €603,988 | €599,871 | €419,784 | €365,529 | ▼ 12.9% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €6,686 | - |
| Financial debts43 | - | - | - | €75,000 | - | - |
| Credit institutions430/8 | - | - | - | €75,000 | - | - |
| Trade debts44 | €426,236 | €383,651 | €393,171 | €327,585 | €329,570 | ▲ 0.6% |
| Suppliers440/4 | - | - | - | €327,585 | €329,570 | ▲ 0.6% |
| Taxes, remuneration and social security45 | - | - | - | €5,856 | €17,358 | ▲ 196% |
| Taxes450/3 | - | - | - | €5,856 | €13,616 | ▲ 133% |
| Remuneration and social security454/9 | - | - | - | - | €3,742 | - |
| Other amounts payable47/48 | - | - | - | €11,343 | €11,915 | ▲ 5.0% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,832 | €6,665 | €766 | €2,826 | €1,822 | ▼ 35.5% |
| + Depreciation and write-downs630 | €12,778 | €13,495 | €11,780 | €15,296 | €8,837 | ▼ 42.2% |
| Operating cash flow (approximation) | €20,610 | €20,160 | €12,546 | €18,122 | €10,659 | ▼ 41.2% |
| Investment in fixed assets (approximation) | - | -€384,416 | €341,232 | -€3,808 | -€80,767 | ▼ 2,021% |
| Change in cash | - | €9,395 | €101,555 | -€95,828 | €13,840 | ▲ 114% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2024
26-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 667 days late
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 89 days late
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 61 days late
2020
30-09
Financial
Weakest financial yearnet €766 ▼88.5%
Net result drops to €766, the lowest in the series; recovery starts the following year.
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 29 days late
2019
31-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
28-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
27-05
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 27 days late
2015
31-03
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema
2014
24-04
NBB filing
Annual accounts filed
fiscal year 2013 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are 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, Zottegem · 1 establishment unit since 2012
Ground area
573 m²
Building footprint
147 m²
Volume, LiDAR
652 m³
Parcel 41068B0218/00S000, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CT&M
since 20122.206.849.671
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41068B0218/00S000 | Flanders | 573 m² | 1 · 147 m² | 10.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,414 companies in sector 46180 we hold annual accounts for 1,892. 1,337 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded16-01-2012
Fiscal year end30-09
Activities, NACEBEL 2025
46180Agents specialised in the wholesale of other particular products
46471Wholesale trade
43332Laying of wooden floor and wall coverings
43341Painting of buildings
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0842856160
Also
9925:BE0842856160
Registered
05-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.