CUFARO
ActiveSummary
CUFARO has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €283k and a net result of €54k. Equity is growing by ~23.8% per year across the filed fiscal years. Its solvency ranks better than 93% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▼-2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 10.17 against 8.94 in 2024; short-term debt: 9.3% and cash: 26.2% of total assets), and 10.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
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
89.2%
Return on assets
16.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
31 d late
2023
30 d late
2022
30 d late
2021
31 d late
2020
31 d late
2019
31 d early
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€142k
EBIT margin
43.5%
Net result
€54k▲ 4.5%
2024 · €51k
2018: €48k
2019: €43k
2020: €57k
2021: €50k
2022: €49k
2023: €48k
2024: €51k
2018 → 2025
Working capital
€269k▲ 24.8%
2024 · €216k
2018: €12k
2019: €17k
2020: €74k
2021: €133k
2022: €168k
2023: €164k
2024: €216k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€135k-€184k▲ 35.9%€180k▼ 2.2%€230k▲ 28.2%€283k▲ 23.0%
Operating result€68k-€67k▼ 1.8%€61k▼ 9.3%€62k▲ 2.0%€65k▲ 4.5%
Net result€50k-€49k▼ 3.2%€48k▼ 1.1%€51k▲ 7.4%€54k▲ 4.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 4% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €317k
Fixed assets
€19k ▼ 39.4%
Current assets
€299k ▲ 22.9%
Equity and liabilities €317k
Equity
€283k ▲ 23.0%
Debt
€34k ▼ 21.5%
Debt's share of the balance-sheet total falls from 15.9% to 10.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€78k▲
2024 · €75k
Cash flow
€67k▲
2024 · €64k
Current ratio
10.17▲
2024 · 8.94
Debt to equity
0.12▼
2024 · 0.19
ROE
19.0%▼
2024 · 22.4%
ROA
16.9%▼
2024 · 18.8%
Interest coverage
76.34▲
2024 · 49.60
Debt ≤ 1 year
€29k▲
2024 · €27k
Debt > 1 year
€5k▼
2024 · €16k
Income taxes
€21k▲
2024 · €20k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€274k€317k▲
Fixed assets21/28€31k€19k▼
Tangible fixed assets22/27€31k€19k▼
Land and buildings22€0€0=
Plant, machinery and equipment23€926€193▼
Furniture and vehicles24€30k€18k▼
Current assets29/58€243k€299k▲
Amounts receivable within one year40/41€204k€215k▲
Trade receivables40€27k€0▼
Other amounts receivable41€177k€215k▲
Cash at bank and in hand54/58€38k€83k▲
Deferred charges and accrued income490/1€874€986▲
Equity and liabilities
Total equity and liabilities10/49€274k€317k▲
Equity10/15€230k€283k▲
Contributions10/11€21k€21k=
Reserves13€202k€255k▲
Distributable reserves133€202k€255k▲
Profit (loss) carried forward14€7k€7k=
Amounts payable17/49€44k€34k▼
Amounts payable after more than one year17€16k€5k▼
Financial debts170/4€16k€5k▼
Amounts payable within one year42/48€27k€29k▲
Current portion of amounts payable after more than one year42€11k€12k▲
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€11k€14k▲
Taxes450/3€11k€14k▲
Remuneration and social security454/9€0€0=
Other amounts payable47/48€859€833▼
Accrued charges and deferred income492/3€89-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€77k€80k▲
Operating profit (loss)9901€62k€65k▲
Financial income75/76B€11k€11k▲
Recurring financial income75€11k€11k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€72k€75k▲
Income taxes67/77€20k€21k▲
Profit (loss) for the period9904€51k€54k▲
Profit (loss) for the period to be appropriated9905€51k€54k▲
Appropriation of the result
Profit (loss) to be appropriated9906€59k€61k▲
Profit (loss) brought forward from the previous period14P€7k€7k=
Transfer to equity691/2€51k€53k▲
To other reserves6921€51k€53k▲
Profit to be distributed694/7€859€833▼
Return on contributions (dividend)694€859€833▼
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 8.94
Current ratio from 3.11 to 8.94; short-term debt falls from €78k to €27k.
31-12
Financial
Equity above €200kEq €230k ▲28.2%
7 profitable years in a row build equity to €230k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Equity above €150kEq €184k ▲35.9%
5 profitable years in a row build equity to €184k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €100kEq €135k ▲58.9%
4 profitable years in a row build equity to €135k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €57k ▲32.6%
Operating result €72k, net result €57k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 4.93
Current ratio from 1.26 to 4.93; short-term debt falls from €64k to €19k.
Show earlier events
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €43k ▼9.7%
Net result drops to €43k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Awans · 1 establishment unit since 2000
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 des Moulins 564342 AwansGround area
2,068 m²
Building footprint
277 m²
Volume, LiDAR
1,810 m³
2 parcels, Wallonia · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Nouvelle Route(ENG) 138, 4480 Engis
since 20002.131.478.691
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62006A0383/00D000 | Wallonia | 1,337 m² | 1 · 141 m² | 8.7 m · 2 fl. |
| 62031A0258/00G000 | Wallonia | 732 m² | 1 · 136 m² | 7.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
Lamont Klimatisatie
BE 0878.240.473
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AZ Technics
BE 0473.708.804
Beveren-Kruibeke-Zwijndrecht · Eq €283,386
COMAR BENELUX
BE 0442.451.147
Kluisbergen · Eq €283,036
DC-Technics
BE 0887.382.031
Wortegem-Petegem · Eq €283,459
ETS CHAPELLE
BE 0899.426.758
Gouvy · Eq €283,575
Of 22,821 companies in sector 43211 we hold annual accounts for 10,326. 7,713 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-03-2000
Fiscal year end31-12
Activities, NACEBEL 2025
43211General electrical installation work
95100Repair and maintenance of computers and communication equipment
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.