CZ&M
ActiveCZ&M has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €84k and a net result of €25k. Equity is growing by ~18.2% per year across the filed fiscal years. Its solvency ranks better than 77% of 17987 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +11 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+18
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.68 against 1.57 in 2024), and 33% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 47
Relative position
BE, all sectors
reference
Sector 47
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
67%
Return on assets
20.1%
Age of the figures
8 mo
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
13 d early
2023
41 d early
2022
26 d early
2021
6 d early
2020
39 d early
2019
63 d late
← 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 monthsPosition in the running window
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€84k▲ 42.9%
2024 · €59k
2018: €21k
2019: €23k
2020: €25k
2021: €27k
2022: €35k
2023: €35k
2024: €59k
2018 → 2025
Total assets
€126k▼ 0.9%
2024 · €127k
2018: €101k
2019: €125k
2020: €97k
2021: €77k
2022: €65k
2023: €92k
2024: €127k
2018 → 2025
Net result
€25k▲ 7.8%
2024 · €23k
2018: €5k
2019: €2k
2020: €3k
2021: €1k
2022: €9k
2023: €93
2024: €23k
2018 → 2025
Working capital
€70k▲ 81.1%
2024 · €39k
2018: €-31k
2019: €-11k
2020: €-4k
2021: €5k
2022: €18k
2023: €19k
2024: €39k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€35k▲ 32.5%€35k▲ 0.3%€59k▲ 66.1%€84k▲ 42.9%
Operating result€2k-€11k▲ 600%€3k▼ 71.4%€33k▲ 959%€35k▲ 4.5%
Net result€1k-€9k▲ 621%€93▼ 98.9%€23k▲ 25,156%€25k▲ 7.8%
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 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €126k
Fixed assets
€14k▼ 29.9%
Current assets
€111k▲ 4.6%
Equity and liabilities €126k
Equity
€84k▲ 42.9%
Debt
€41k▼ 38.8%
The debt ratio falls from 53.6% to 33.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€41k▲
2024 · €35k
Cash flow
€31k▲
2024 · €25k
Solvency
67.0%▲
2024 · 46.4%
Current ratio
2.68▲
2024 · 1.57
Quick ratio
1.25▲
2024 · 0.74
Debt / equity
0.49▼
2024 · 1.15
ROE
30.0%▼
2024 · 39.8%
ROA
20.1%▲
2024 · 18.5%
Interest coverage
15.47▲
2024 · 10.63
Debt
€41k▼
2024 · €68k
Debt ≤ 1 year
€41k▼
2024 · €68k
Income taxes
€7k▲
2024 · €7k
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€127k€126k▼
Fixed assets21/28€20k€14k▼
Tangible fixed assets22/27€20k€14k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€0€0=
Other tangible fixed assets26€16k€11k▼
Current assets29/58€106k€111k▲
Stocks and contracts in progress3€56k€60k▲
Stocks30/36€56k€60k▲
Amounts receivable within one year40/41€8k€7k▼
Other amounts receivable41€8k€7k▼
Cash at bank and in hand54/58€42k€45k▲
Equity and liabilities
Total equity and liabilities10/49€127k€126k▼
Equity10/15€59k€84k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€51k€76k▲
Amounts payable17/49€68k€41k▼
Amounts payable within one year42/48€68k€41k▼
Trade debts44€9k€2k▼
Suppliers440/4€9k€2k▼
Taxes, remuneration and social security45€25k€37k▲
Taxes450/3€22k€34k▲
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€34k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€6k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€36k€42k▲
Operating profit (loss)9901€33k€35k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€30k€32k▲
Income taxes67/77€7k€7k▲
Profit (loss) for the period9904€23k€25k▲
Profit (loss) for the period to be appropriated9905€23k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€51k€76k▲
Profit (loss) brought forward from the previous period14P€27k€51k▲
The notes to these accounts (6 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €25k ▲7.8%
Operating result €35k, net result €25k, both a record.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €93 ▼98.9%
Net result drops to €93, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 63 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
28-07
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
5 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, Schilde · 1 establishment unit since 2007
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.
Turnhoutsebaan 2122970 SchildeGround area
245 m²
Building footprint
185 m²
Volume, LiDAR
999 m³
Parcel 11922C0063/00V000, Flanders · tallest building 12.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SHOP & MOVIE STAR
since 20072.207.479.478
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11922C0063/00V000 | Flanders | 245 m² | 1 · 185 m² | 12.8 m · 1 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 siteSchilde2.207.479.478
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BE 0810.351.955
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MULTANI
BE 0478.752.408
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PANISTO
BE 0433.903.269
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SYLLOU
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Of 10,411 companies in sector 47110 we hold annual accounts for 5,786. 4,636 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded19-09-2007
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 19 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.