CUMA DU BAILLY
ActiveCUMA DU BAILLY has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €264k and a net result of €5k. Equity is growing by ~18.7% per year across the filed fiscal years. Its solvency ranks better than 39% of 3101 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability9▼-73
Solvency23▲+6
Growth78=
Stability100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days only on tighter terms
Liquidity short (current ratio 0.62 against 0.42 in 2024), and 77.6% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
lower
← 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
22.4%
Return on assets
0.4%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
29 d late
2023
24 d late
2022
7 d late
2021
29 d late
2020
25 d late
2019
25 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close15-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€264k▲ 75.6%
2024 · €150k
2019: €75k
2020: €87k
2021: €84k
2022: €107k
2023: €122k
2024: €150k
2019 → 2025
Total assets
€1.18M▲ 65.7%
2024 · €712k
2019: €210k
2020: €380k
2021: €364k
2022: €391k
2023: €453k
2024: €712k
2019 → 2025
Net result
€5k▼ 81.0%
2024 · €25k
2019: €3k
2020: €12k
2021: €-3k
2022: €3k
2023: €1k
2024: €25k
2019 → 2025
Working capital
€-110k▲ 55.6%
2024 · €-247k
2019: €-47k
2020: €-51k
2021: €-75k
2022: €-98k
2023: €-108k
2024: €-247k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€84k-€107k▲ 26.7%€122k▲ 14.5%€150k▲ 23.1%€264k▲ 75.6%
Operating result€4k-€1k▼ 68.0%€-5k€22k€8k▼ 64.8%
Net result€-3k-€3k€1k▼ 53.2%€25k▲ 1,743%€5k▼ 81.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 65% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.18M
Fixed assets
€1.00M▲ 89.2%
Current assets
€178k▼ 2.3%
Equity and liabilities €1.18M
Equity
€264k▲ 75.6%
Debt
€915k▲ 63.1%
The debt ratio falls from 78.9% to 77.6%: equity grows faster than debt.
Key figures and ratios
EBITDA
€153k▲
2024 · €98k
Cash flow
€150k▲
2024 · €101k
Solvency
22.4%▲
2024 · 21.1%
Current ratio
0.62▲
2024 · 0.42
Quick ratio
0.60▲
2024 · 0.40
Debt / equity
3.47▼
2024 · 3.73
ROE
1.8%▼
2024 · 16.4%
ROA
0.4%▼
2024 · 3.5%
Interest coverage
6.58▼
2024 · 46.09
Debt
€915k▲
2024 · €561k
Debt ≤ 1 year
€288k▼
2024 · €430k
Debt > 1 year
€627k▲
2024 · €131k
Income taxes
€460▼
2024 · €2k
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€712k€1.18M▲
Fixed assets21/28€529k€1.00M▲
Tangible fixed assets22/27€529k€1.00M▲
Plant, machinery and equipment23€529k€1.00M▲
Furniture and vehicles24€277-
Current assets29/58€182k€178k▼
Stocks and contracts in progress3€8k€6k▼
Stocks30/36€8k€6k▼
Amounts receivable within one year40/41€68k€148k▲
Trade receivables40€12k€143k▲
Other amounts receivable41€55k€5k▼
Cash at bank and in hand54/58€103k€21k▼
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€712k€1.18M▲
Equity10/15€150k€264k▲
Contributions10/11€6k€6k=
Reserves13€43k€47k▲
Distributable reserves133€43k€47k▲
Profit (loss) carried forward14€64k€64k▲
Investment grants15€37k€146k▲
Amounts payable17/49€561k€915k▲
Amounts payable after more than one year17€131k€627k▲
Financial debts170/4€131k€627k▲
Amounts payable within one year42/48€430k€288k▼
Current portion of amounts payable after more than one year42€29k€115k▲
Trade debts44€260k€424▼
Suppliers440/4€260k€424▼
Advances received on contracts in progress46-€32k
Taxes, remuneration and social security45€3k€674▼
Taxes450/3€3k€674▼
Other amounts payable47/48€138k€140k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€76k€145k▲
Other operating charges640/8€128€191▲
Gross operating margin9900€98k€153k▲
Operating profit (loss)9901€22k€8k▼
Financial income75/76B€8k€21k▲
Recurring financial income75€8k€21k▲
Financial charges65/66B€2k€23k▲
Recurring financial charges65€2k€23k▲
Profit (loss) for the period before taxes9903€27k€5k▼
Income taxes67/77€2k€460▼
Profit (loss) for the period9904€25k€5k▼
Profit (loss) for the period to be appropriated9905€25k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€89k€69k▼
Profit (loss) brought forward from the previous period14P€64k€64k=
Transfer to equity691/2€25k€5k▼
To other reserves6921€25k€5k▼
The notes to these accounts (7 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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Equity above €200kEq €264k ▲75.6%
4 profitable years in a row build equity to €264k.
2024
29-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
31-03
Financial
Highest result since 2019net €25k ▲1743%
Operating result €22k, net result €25k, both a record.
31-03
Financial
Equity above €150kEq €150k ▲23.1%
3 profitable years in a row build equity to €150k.
2023
24-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 24 days late
2022
07-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
31-03
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
31-03
Financial
Equity above €100kEq €107k ▲26.7%
Equity rises from €84k to €107k.
2021
29-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
31-03
Financial
Weakest financial yearnet €-3k ▼125%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
2020
25-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2019
25-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2018
29-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2017
27-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2016
23-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Florennes · 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.
Bois-le-Bailly, Morville 1525620 FlorennesGround area
8,721 m²
Building footprint
2,171 m²
Volume, LiDAR
11,306 m³
Parcel 93045E0001/00V002, Wallonia · tallest building 11.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bois-le-Bailly, Morville 152, 5620 Florennes
since 19962.074.801.096
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93045E0001/00V002 | Wallonia | 8,721 m² | 1 · 2,171 m² | 11.4 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteFlorennes2.074.801.096
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Of 20,585 companies in sector 01500 we hold annual accounts for 1,144. 936 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCooperative company
Founded29-12-1995
Fiscal year end31-03
Activities, NACEBEL
01500Mixed farming
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.