C&B
ActiveC&B has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €90k and a net result of €-26k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 84% of 10242 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency100=
Growth32=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.78 against 5.09 in 2024), and 26.5% 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
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
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
73.5%
Return on assets
-21%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€26k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 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
10 d late
2024
12 d late
2023
107 d late
2022
28 d late
2021
17 d late
2020
5 d early
2019
31 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 monthsPosition in the running window
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€90k▼ 22.2%
2024 · €116k
2018: €134k
2019: €139k
2020: €135k
2021: €137k
2022: €137k
2023: €138k
2024: €116k
2018 → 2025
Total assets
€122k▼ 14.9%
2024 · €144k
2018: €170k
2019: €181k
2020: €209k
2021: €196k
2022: €188k
2023: €177k
2024: €144k
2018 → 2025
Net result
€-26k▼ 16.1%
2024 · €-22k
2018: €7k
2019: €5k
2020: €-5k
2021: €2k
2022: €330
2023: €656
2024: €-22k
2018 → 2025
Working capital
€90k▼ 21.5%
2024 · €115k
2018: €134k
2019: €132k
2020: €117k
2021: €123k
2022: €127k
2023: €129k
2024: €115k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€137k-€137k▲ 0.2%€138k▲ 0.5%€116k▼ 16.1%€90k▼ 22.2%
Operating result€3k-€922▼ 69.7%€2k▲ 95.4%€-22k€-25k▼ 16.7%
Net result€2k-€330▼ 84.6%€656▲ 98.7%€-22k€-26k▼ 16.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €25k in 2025 against €22k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €122k
Equity
€90k▼ 22.2%
Debt
€32k▲ 15.6%
The debt ratio rises from 19.5% to 26.5%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-24k▼
2024 · €-13k
Cash flow
€-25k▼
2024 · €-13k
Solvency
73.5%▼
2024 · 80.5%
Current ratio
3.78▼
2024 · 5.09
Quick ratio
1.30▼
2024 · 2.23
Debt / equity
0.36▲
2024 · 0.24
ROE
-28.6%▼
2024 · -19.1%
ROA
-21.0%▼
2024 · -15.4%
Interest coverage
-205.22▼
2024 · -98.40
Debt
€32k▲
2024 · €28k
Debt ≤ 1 year
€32k▲
2024 · €28k
Income taxes
€180▼
2024 · €232
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€144k€122k▼
Fixed assets21/28€1k-
Tangible fixed assets22/27€1k-
Plant, machinery and equipment23€174-
Furniture and vehicles24€881-
Current assets29/58€143k€122k▼
Stocks and contracts in progress3€80k€80k=
Stocks30/36€80k€80k=
Amounts receivable within one year40/41€60k€42k▼
Trade receivables40€57k€42k▼
Other amounts receivable41€3k€28▼
Cash at bank and in hand54/58€2k€181▼
Equity and liabilities
Total equity and liabilities10/49€144k€122k▼
Equity10/15€116k€90k▼
Contributions10/11€171k€171k=
Capital10€171k€171k=
Issued capital100€171k€171k=
Reserves13€42k€17k▼
Non-distributable reserves130/1€17k€17k=
Legal reserve130€17k€17k=
Distributable reserves133€25k-
Profit (loss) carried forward14€-98k€-98k▼
Amounts payable17/49€28k€32k▲
Amounts payable within one year42/48€28k€32k▲
Current portion of amounts payable after more than one year42€1k-
Trade debts44€72€456▲
Suppliers440/4€72€456▲
Taxes, remuneration and social security45€8k€351▼
Taxes450/3€8k€351▼
Other amounts payable47/48€18k€32k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€1k▼
Other operating charges640/8€867€2k▲
Gross operating margin9900€-12k€-23k▼
Operating profit (loss)9901€-22k€-25k▼
Financial charges65/66B€129€119▼
Recurring financial charges65€129€119▼
Profit (loss) for the period before taxes9903€-22k€-26k▼
Income taxes67/77€232€180▼
Profit (loss) for the period9904€-22k€-26k▼
Profit (loss) for the period to be appropriated9905€-22k€-26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-98k€-123k▼
Profit (loss) brought forward from the previous period14P€-75k€-98k▼
Transfer from equity791/2-€25k
The notes to these accounts (3 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
10-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 10 days late
2025
31-12
Financial
Weakest financial yearnet €-26k
Net result drops to €-26k, the lowest in the series.
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
15-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 107 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 17 days late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Middelkerke · 1 establishment unit since 2002
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.
Zeedijk 1738430 MiddelkerkeGround area
182 m²
Building footprint
130 m²
Volume, LiDAR
3,853 m³
Parcel 35322C0283/00X033, Flanders · tallest building 33.5 m, ±10 floors. Linked by address, not a title deed.
1 establishment unit
Zeedijk 173, 8430 Middelkerke
since 20022.100.642.094
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35322C0283/00X033 | Flanders | 182 m² | 1 · 130 m² | 33.5 m · 10 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.
Similar companies · same sector, comparable size
FLOVAL
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Cash 4 Gold
BE 0843.790.330
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HOUSE OF TIME
BE 0784.566.484
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MULTIDISCI
BE 0891.608.954
Watermaal-Bosvoorde · Eq €91k
MIGIANI
BE 0545.801.281
Antwerpen · Eq €88k
Of 2,005 companies in sector 47770 we hold annual accounts for 892. 701 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded31-05-2002
Fiscal year end31-12
Activities, NACEBEL
47770Retail sale of watches and jewellery
52484
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.