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CUMA FASTRE

Active
Private limited companyfounded 199927 yrs activeRue des Héros 32, 4000 Liège, BelgiumKBO/BCE: BE 0466.344.425

CUMA FASTRE has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €113k and a net result of €991. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 40% of 3111 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Checked score

Score 2025
74 / 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79=
Solvency48▲+3
Growth37▼-6
Track record100
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.26 against 1.27 in 2024; short-term debt: 40.7% and cash: 22.3% of total assets), and 76.8% of the assets are financed with debt.
Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.
lowers risk+raises riskneutral
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 date
Age against the risk zone
elevated failure risk from 2 to 8 years 27 years 0 30 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
23.2%
Return on assets
0.2%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
31 d early
2024
19 d late
2023
43 d early
2022
39 d early
2021
30 d late
2020
32 d early
2019
38 d early
← 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 months
Position in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover
€305k▼ 9.7%
2024 · €338k
2021: €262k 2022: €288k 2023: €299k 2024: €338k
2021 → 2025
EBIT margin
2.6%▲ 0.5pp
2024 · 2.1%
2021: 2.1% 2022: -0.9% 2023: 1.9% 2024: 2.1%
2021 → 2025
Net result
€991
2024 · €-2k
2018: €14k 2019: €176 2020: €452 2021: €3k 2022: €-4k 2023: €2k 2024: €-2k
2018 → 2025
Working capital
€52k▼ 2.5%
2024 · €53k
2018: €-41k 2019: €-57k 2020: €-50k 2021: €-20k 2022: €12k 2023: €27k 2024: €53k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Turnover€262k-€288k▲ 9.8%€299k▲ 3.9%€338k▲ 13.1%€305k▼ 9.7%
Equity€118k-€114k▼ 3.6%€113k▼ 0.6%€112k▼ 1.3%€113k▲ 0.9%
Operating result€6k-€-2k€6k€7k▲ 23.0%€8k▲ 13.4%
Net result€3k-€-4k€2k€-2k€991
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€-5k€0€5k€10kOperating result 2021: €6k€6kNet result 2021: €3k€3kOperating result 2022: €-2k€-2kNet result 2022: €-4k€-4kOperating result 2023: €6k€6kNet result 2023: €2k€2kOperating result 2024: €7k€7kNet result 2024: €-2k€-2kOperating result 2025: €8k€8kNet result 2025: €991€99120212022202320242025
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 13% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €486k
Fixed assets €236k▼ 23.2%
Current assets €250k=
Equity and liabilities €486k
Equity €113k▲ 0.9%
Debt €374k▼ 16.2%
The debt ratio falls from 80.0% to 76.8%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€101k
2024 · €122k
Cash flow
€94k
2024 · €114k
Solvency
23.2%
2024 · 20.0%
Current ratio
1.26
2024 · 1.27
Quick ratio
1.19
2024 · 1.20
Debt / equity
3.32
2024 · 3.99
ROE
0.9%
2024 · -1.3%
ROA
0.2%
2024 · -0.3%
Interest coverage
14.29
2024 · 14.18
Debt
€374k
2024 · €446k
Debt ≤ 1 year
€198k
2024 · €197k
Debt > 1 year
€176k
2024 · €249k
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€558k€486k
Fixed assets21/28€308k€236k
Tangible fixed assets22/27€307k€236k
Plant, machinery and equipment23€141k€96k
Furniture and vehicles24€166k€140k
Financial fixed assets28€160€160=
Current assets29/58€250k€250k=
Stocks and contracts in progress3€14k€14k
Stocks30/36€14k€14k
Amounts receivable within one year40/41€87k€124k
Trade receivables40€86k€117k
Other amounts receivable41€893€7k
Cash at bank and in hand54/58€139k€109k
Deferred charges and accrued income490/1€10k€3k
Equity and liabilities
Total equity and liabilities10/49€558k€486k
Equity10/15€112k€113k
Contributions10/11€39k€39k=
Reserves13€72k€72k=
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€68k€68k=
Profit (loss) carried forward14€831€2k
Amounts payable17/49€446k€374k
Amounts payable after more than one year17€249k€176k
Financial debts170/4€249k€176k
Amounts payable within one year42/48€197k€198k
Current portion of amounts payable after more than one year42€74k€74k=
Trade debts44€17k€15k
Suppliers440/4€17k€15k
Taxes, remuneration and social security45-€14
Taxes450/3-€14
Other amounts payable47/48€106k€109k
Income statement Code20242025
Turnover70€338k€305k
Goods, raw materials, services and sundry goods60/61€222k€209k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€115k€93k
Other operating charges640/8€1k€1k
Gross operating margin9900€123k€102k
Operating profit (loss)9901€7k€8k
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€9k€7k
Recurring financial charges65€9k€7k
Profit (loss) for the period before taxes9903€-2k€991
Profit (loss) for the period9904€-2k€991
Profit (loss) for the period to be appropriated9905€-2k€991
Appropriation of the result
Profit (loss) to be appropriated9906€831€2k
Profit (loss) brought forward from the previous period14P€2k€831

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
30-06
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Back to profitnet €991
Net result €991 after one loss-making year.
19-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
18-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial Back to profitnet €2k
Net result €2k after one loss-making year.
22-06
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial Weakest financial yearnet €-4k ▼226%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
30-08
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
29-06
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
23-06
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
02-07
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
18-07
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
03-07
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
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, Liège · 1 establishment unit since 1999
establishment The establishment unit on the map
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 Héros 324000 Liège
Ground area
957 m²
Building footprint
581 m²
Volume, LiDAR
4,996 m³
Parcel 62087A0526/00H000, Wallonia · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue des Héros 32, 4000 Liège
Wholesale trade
since 19992.091.670.782
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62087A0526/00H000 Wallonia 957 m² 1 · 581 m² 10.8 m · 3 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 site
Liège2.091.670.782
2 permissions
Vervoer kamer t° levensmiddelen · since 19-03-2019
Loonwerker - gebruik gewasbeschermingsmiddelen · since 01-03-2015

Similar companies · same sector, comparable size

Of 4,676 companies in sector 01610 we hold annual accounts for 1,369. 1,112 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company
Founded25-06-1999
Fiscal year end31-12
Activities, NACEBEL
01410Raising of dairy cattle
01610Support activities for crop production
46610Wholesale trade
51880
71310
77310Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers

Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.