Summary
CUBIHOLDING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €837k and a net result of €-51k. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 51% of 5547 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 17-07-2026, 14 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
14 d early
2024
28 d late
2023
26 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€837k▲ 6.2%
2024 · €788k
2023: €649klowest in 3 years
2024: €788k▲ +21.4% vs 2023
2025: €837k▲ +6.2% vs 2024highest in 3 years
2023 → 2025
Net result
€-51k
2024 · €139k
2023: €-43k
2024: €139k▲ +427% vs 2023highest in 3 years
2025: €-51k▼ -137% vs 2024lowest in 3 years
2023 → 2025
Total assets
€1.59M▼ 6.5%
2024 · €1.70M
2023: €1.53Mlowest in 3 years
2024: €1.70M▲ +11.2% vs 2023highest in 3 years
2025: €1.59M▼ -6.5% vs 2024
2023 → 2025
Solvency
52.6%▲ 6.3pp
2024 · 46.3%
2023: 42.5%lowest in 3 years
2024: 46.3%▲ +9.1% vs 2023
2025: 52.6%▲ +13.6% vs 2024highest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€649k-€788k▲ 21.4%€837k▲ 6.2%
2023: €649klowest in 3 years
2024: €788k▲ +21.4% vs 2023
2025: €837k▲ +6.2% vs 2024highest in 3 years
Operating result€-36k-€54k€-24k
2023: €-36klowest in 3 years
2024: €54k▲ +247% vs 2023highest in 3 years
2025: €-24k▼ -146% vs 2024
Net result€-43k-€139k€-51k
2023: €-43k
2024: €139k▲ +427% vs 2023highest in 3 years
2025: €-51k▼ -137% vs 2024lowest in 3 years
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €24k after €54k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.59M
Fixed assets
€1.38M ▲ 0.4%
Current assets
€211k ▼ 35.4%
Equity and liabilities €1.59M
Equity
€837k ▲ 6.2%
Debt
€753k ▼ 17.5%
Debt's share of the balance-sheet total falls from 53.7% to 47.4%. Equity is higher and debt is lower.
Key figures and ratios
ROE
-6.1%▼
2024 · 17.6%
ROA
-3.2%▼
2024 · 8.2%
Debt ≤ 1 year
€239k▼
2024 · €387k
Debt > 1 year
€515k▼
2024 · €525k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.70M€1.59M▼
Fixed assets21/28€1.37M€1.38M▲
Financial fixed assets28€1.37M€1.38M▲
Current assets29/58€327k€211k▼
Amounts receivable within one year40/41€188k€125k▼
Trade receivables40€109k€123k▲
Other amounts receivable41€79k€2k▼
Cash at bank and in hand54/58€50k€42k▼
Deferred charges and accrued income490/1€90k€44k▼
Equity and liabilities
Total equity and liabilities10/49€1.70M€1.59M▼
Equity10/15€788k€837k▲
Contributions10/11€692k€792k▲
Reserves13€97k€45k▼
Distributable reserves133€97k€45k▼
Profit (loss) carried forward14€0-
Amounts payable17/49€913k€753k▼
Amounts payable after more than one year17€525k€515k▼
Financial debts170/4€525k€515k▼
Other amounts payable178/9€0-
Amounts payable within one year42/48€387k€239k▼
Current portion of amounts payable after more than one year42€54k€67k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€133k€65k▼
Suppliers440/4€133k€65k▼
Taxes, remuneration and social security45€10k€3k▼
Taxes450/3€10k€3k▼
Other amounts payable47/48€190k€104k▼
Income statement
Code20242025
Non-recurring operating income76A-€160
Other operating charges640/8€464€8k▲
Gross operating margin9900€54k€-17k▼
Operating profit (loss)9901€54k€-24k▼
Financial income75/76B€110k€0▼
Recurring financial income75€110k€0▼
Financial charges65/66B€24k€27k▲
Recurring financial charges65€24k€27k▲
Profit (loss) for the period before taxes9903€139k€-51k▼
Profit (loss) for the period9904€139k€-51k▼
Profit (loss) for the period to be appropriated9905€139k€-51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€97k€-51k▼
Profit (loss) brought forward from the previous period14P€-43k€0▲
Transfer from equity791/2-€51k
Transfer to equity691/2€97k€0▼
To other reserves6921€97k€0▼
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €160 | - |
| Other operating charges640/8 | €705 | €464 | €8k | ▲ 1,593% |
| Gross operating margin9900 | €-36k | €54k | €-17k | ▼ 131% |
| Operating profit (loss)9901 | €-36k | €54k | €-24k | ▼ 146% |
| Financial income75/76B | €1 | €110k | €0 | ▼ 100% |
| Recurring financial income75 | €1 | €110k | €0 | ▼ 100% |
| Financial charges65/66B | €6k | €24k | €27k | ▲ 9.4% |
| Recurring financial charges65 | €6k | €24k | €27k | ▲ 9.4% |
| Profit (loss) for the period before taxes9903 | €-43k | €139k | €-51k | ▼ 137% |
| Profit (loss) for the period9904 | €-43k | €139k | €-51k | ▼ 137% |
| Profit (loss) for the period to be appropriated9905 | €-43k | €139k | €-51k | ▼ 137% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €1.53M | €1.70M | €1.59M | ▼ 6.5% |
| Fixed assets21/28 | €1.37M | €1.37M | €1.38M | ▲ 0.4% |
| Financial fixed assets28 | €1.37M | €1.37M | €1.38M | ▲ 0.4% |
| Current assets29/58 | €155k | €327k | €211k | ▼ 35.4% |
| Amounts receivable within one year40/41 | €35k | €188k | €125k | ▼ 33.3% |
| Trade receivables40 | €2k | €109k | €123k | ▲ 13.1% |
| Other amounts receivable41 | €33k | €79k | €2k | ▼ 97.1% |
| Cash at bank and in hand54/58 | - | €50k | €42k | ▼ 15.9% |
| Deferred charges and accrued income490/1 | €121k | €90k | €44k | ▼ 50.6% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €1.53M | €1.70M | €1.59M | ▼ 6.5% |
| Equity10/15 | €649k | €788k | €837k | ▲ 6.2% |
| Contributions10/11 | €692k | €692k | €792k | ▲ 14.4% |
| Reserves13 | - | €97k | €45k | ▼ 53.1% |
| Distributable reserves133 | - | €97k | €45k | ▼ 53.1% |
| Profit (loss) carried forward14 | €-43k | €0 | - | - |
| Amounts payable17/49 | €880k | €913k | €753k | ▼ 17.5% |
| Amounts payable after more than one year17 | €537k | €525k | €515k | ▼ 2.0% |
| Financial debts170/4 | €512k | €525k | €515k | ▼ 2.0% |
| Other amounts payable178/9 | €25k | €0 | - | - |
| Amounts payable within one year42/48 | €343k | €387k | €239k | ▼ 38.4% |
| Current portion of amounts payable after more than one year42 | €66k | €54k | €67k | ▲ 25.0% |
| Financial debts43 | €14k | €0 | - | - |
| Credit institutions430/8 | €14k | €0 | - | - |
| Trade debts44 | €153k | €133k | €65k | ▼ 51.2% |
| Suppliers440/4 | €153k | €133k | €65k | ▼ 51.2% |
| Taxes, remuneration and social security45 | - | €10k | €3k | ▼ 75.6% |
| Taxes450/3 | - | €10k | €3k | ▼ 75.6% |
| Other amounts payable47/48 | €110k | €190k | €104k | ▼ 45.4% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €-43k | €139k | €-51k | ▼ 137% |
| Operating cash flow (approximation) | €-43k | €139k | €-51k | ▼ 137% |
| Investment in fixed assets (approximation) | - | €0 | €-5k | - |
| Change in cash | - | - | €-8k | - |
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
Next filing, fiscal year 2026, expected by
2026
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-51k
Net result drops to €-51k, the lowest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
31-12
Financial
Back to profitnet €139k
Net result €139k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Antwerpen · 1 establishment unit since 2023
Ground area
2,372 m²
Building footprint
792 m²
Volume, LiDAR
15,969 m³
Parcel 11303B0445/00F008, Flanders · tallest building 23.9 m, ±7 floors. Linked by address, not a title deed.
101
companies at this address
See who is registered here
1 establishment unit
CUBIHOLDING
since 20232.346.944.692
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11303B0445/00F008 | Flanders | 2,372 m² | 1 · 792 m² | 23.9 m · 7 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 2,280 EUR awarded · 2,280 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,280 EUR | 2,280 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 13,078 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
Founded02-06-2023
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70100Activities of head offices
Scores and ratios are computed by Checked and are not a credit decision.