CYDB
ActiveSummary
CYDB has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-2k) and a net result of €-9k. Equity is shrinking by ~180.2% per year across the filed fiscal years. Its solvency ranks better than 8% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
43
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability24▲+24
Solvency15▼-25
Growth32=
Track record94
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.7 against 0.54 in 2024; short-term debt: 61.3% and cash: 29.6% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 2025Solvency, return and age of the figures
Solvency
-9.6%
Return on assets
-37.3%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year €-2k
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 04-06-2026, 57 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
57 d early
2024
98 d late
2023
27 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-2k
2024 · €7k
2023: €21k
2024: €7k
2023 → 2025
Total assets
€24k▼ 44.2%
2024 · €43k
2023: €52k
2024: €43k
2023 → 2025
Net result
€-9k▲ 40.3%
2024 · €-15k
2023: €20k
2024: €-15k
2023 → 2025
Working capital
€-4k▲ 73.2%
2024 · €-16k
2023: €35k
2024: €-16k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€21k-€7k▼ 69.3%€-2k
Operating result€27k-€-15k€-8k▲ 42.5%
Net result€20k-€-15k€-9k▲ 40.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €8k in 2025 against €15k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €24k
Fixed assets
€14k ▼ 40.8%
Current assets
€10k ▼ 48.3%
Key figures and ratios
EBITDA
€961▲
2024 · €-9k
Cash flow
€482▲
2024 · €-9k
Solvency
-9.6%▼
2024 · 15.4%
Current ratio
0.70▲
2024 · 0.54
Debt to equity
-11.42▼
2024 · 5.48
ROA
-37.3%▼
2024 · -34.8%
Interest coverage
2.94▲
2024 · -46.32
Debt
€26k▼
2024 · €36k
Debt ≤ 1 year
€15k▼
2024 · €36k
Debt > 1 year
€12k
Income taxes
€152▲
2024 · €71
Staff costs
€2k▲
2024 · €452
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€43k€24k▼
Fixed assets21/28€23k€14k▼
Tangible fixed assets22/27€23k€14k▼
Furniture and vehicles24€23k€14k▼
Current assets29/58€20k€10k▼
Amounts receivable within one year40/41€18k€2k▼
Trade receivables40€16k€2k▼
Other amounts receivable41€3k€512▼
Cash at bank and in hand54/58€48€7k▲
Deferred charges and accrued income490/1€1k€754▼
Equity and liabilities
Total equity and liabilities10/49€43k€24k▼
Equity10/15€7k€-2k▼
Contributions10/11€1k€1k=
Profit (loss) carried forward14€6k€-3k▼
Amounts payable17/49€36k€26k▼
Amounts payable after more than one year17-€12k
Financial debts170/4-€12k
Amounts payable within one year42/48€36k€15k▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€10k€618▼
Suppliers440/4€10k€618▼
Taxes, remuneration and social security45€11k€2k▼
Taxes450/3€8k€2k▼
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€16k€12k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€452€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€9k▲
Other operating charges640/8€678€1k▲
Gross operating margin9900€-8k€4k▲
Operating profit (loss)9901€-15k€-8k▲
Financial charges65/66B€190€327▲
Recurring financial charges65€190€327▲
Profit (loss) for the period before taxes9903€-15k€-9k▲
Income taxes67/77€71€152▲
Profit (loss) for the period9904€-15k€-9k▲
Profit (loss) for the period to be appropriated9905€-15k€-9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€-3k▼
Profit (loss) brought forward from the previous period14P€20k€6k▼
The notes to these accounts (8 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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
06-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 98 days late
2024
31-12
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
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, Sint-Pieters-Woluwe · 1 establishment unit since 2023
Ground area
1,863 m²
Building footprint
765 m²
Volume, LiDAR
15,562 m³
2 parcels, Brussels · tallest building 31.3 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
CYBD
since 20232.344.904.823
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21447B0310/00V037indicative | Brussels | 1,135 m² | 1 · 569 m² | 31.3 m · 9 fl. |
| 21019A0116/00W006 | Brussels | 728 m² | 1 · 196 m² | 16.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,572. 18,343 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
Founded13-03-2023
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
69109Other legal services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.