C.B.G.
ActiveC.B.G. has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93k and a net result of €17k. Equity is shrinking by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 56% of 16459 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+2
Solvency94▲+3
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 3.43 against 3.43 in 2024; short-term debt: 25.7% and cash: 0.4% of total assets), and 31% 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 86
Relative position
BE, all sectors
reference
Sector 86
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
69%
Return on assets
12.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 11-12-2025, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
38 d early
2023
1 d late
2022
39 d early
2021
49 d early
2020
54 d early
2019
46 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€93k▲ 8.4%
2024 · €86k
2019: €113k
2020: €115k
2021: €97k
2022: €76k
2023: €91k
2024: €86k
2019 → 2025
Total assets
€134k▲ 3.6%
2024 · €130k
2019: €125k
2020: €170k
2021: €158k
2022: €128k
2023: €124k
2024: €130k
2019 → 2025
Net result
€17k▲ 12.8%
2024 · €15k
2019: €7k
2020: €10k
2021: €18k
2022: €9k
2023: €15k
2024: €15k
2019 → 2025
Working capital
€84k▲ 1.8%
2024 · €82k
2019: €112k
2020: €109k
2021: €92k
2022: €70k
2023: €81k
2024: €82k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€97k-€76k▼ 21.4%€91k▲ 19.5%€86k▼ 6.0%€93k▲ 8.4%
Operating result€21k-€12k▼ 44.6%€21k▲ 74.0%€21k▲ 1.7%€22k▲ 2.1%
Net result€18k-€9k▼ 51.7%€15k▲ 66.9%€15k▲ 2.2%€17k▲ 12.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 2% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €134k
Fixed assets
€16k▲ 17.6%
Current assets
€118k▲ 1.9%
Equity and liabilities €134k
Equity
€93k▲ 8.4%
Debt
€42k▼ 5.7%
The debt ratio falls from 34.1% to 31.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€28k▼
2024 · €31k
Cash flow
€23k▼
2024 · €25k
Solvency
69.0%▲
2024 · 65.9%
Current ratio
3.43▼
2024 · 3.43
Quick ratio
3.43▼
2024 · 3.43
Debt / equity
0.45▼
2024 · 0.52
ROE
18.5%▲
2024 · 17.8%
ROA
12.8%▲
2024 · 11.7%
Interest coverage
14.80▲
2024 · 14.64
Debt
€42k▼
2024 · €44k
Debt ≤ 1 year
€35k▲
2024 · €34k
Debt > 1 year
€7k▼
2024 · €10k
Income taxes
€9k▲
2024 · €8k
Staff costs
€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€130k€134k▲
Fixed assets21/28€14k€16k▲
Tangible fixed assets22/27€14k€16k▲
Plant, machinery and equipment23€1k€1k▲
Furniture and vehicles24€5k-
Other tangible fixed assets26€8k€15k▲
Current assets29/58€116k€118k▲
Amounts receivable after more than one year29€72k-
Other amounts receivable291€72k-
Amounts receivable within one year40/41€43k€112k▲
Other amounts receivable41€43k€112k▲
Cash at bank and in hand54/58-€543
Deferred charges and accrued income490/1€1k€5k▲
Equity and liabilities
Total equity and liabilities10/49€130k€134k▲
Equity10/15€86k€93k▲
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€79k€87k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€77k€85k▲
Amounts payable17/49€44k€42k▼
Amounts payable after more than one year17€10k€7k▼
Financial debts170/4€10k€7k▼
Amounts payable within one year42/48€34k€35k▲
Current portion of amounts payable after more than one year42€10k€15k▲
Financial debts43€1k-
Credit institutions430/8€1k-
Trade debts44€306-
Suppliers440/4€306-
Taxes, remuneration and social security45€3k€10k▲
Taxes450/3€3k€3k▲
Remuneration and social security454/9-€7k
Other amounts payable47/48€20k€9k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€6k▼
Other operating charges640/8€280€249▼
Gross operating margin9900€31k€30k▼
Operating profit (loss)9901€21k€22k▲
Financial income75/76B€4k€6k▲
Recurring financial income75€4k€6k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€23k€26k▲
Income taxes67/77€8k€9k▲
Profit (loss) for the period9904€15k€17k▲
Profit (loss) for the period to be appropriated9905€15k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€17k▲
Transfer from equity791/2€21k€10k▼
Transfer to equity691/2€15k€17k▲
To other reserves6921€15k€17k▲
Profit to be distributed694/7€21k€10k▼
Return on contributions (dividend)694€21k€10k▼
The notes to these accounts (5 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
11-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
24-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
01-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2022
23-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
13-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Highest result since 2019net €18k ▲84.5%
Net result €18k, the highest in the series.
2020
08-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
16-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
20-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
20-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
23-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, La Louvière · 2 establishment units since 2009
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.
Chaussée de Jolimont(PAU) 1317100 La LouvièreGround area
888 m²
Building footprint
106 m²
Volume, LiDAR
1,152 m³
2 parcels, Wallonia · tallest building 15.2 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
Chaussée de Jolimont(PIE) 131, 7100 La Louvière
since 20092.182.227.509
C.B.G.
since 20252.371.338.709
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56033A0084/00H032 | Wallonia | 765 m² | 1 · 69 m² | 15.2 m · 5 fl. |
| 53403F0153/00B000 | Wallonia | 122 m² | 1 · 37 m² | 8.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 12,691 companies in sector 86951 we hold annual accounts for 2,139. 1,873 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-09-2009
Fiscal year end30-06
Activities, NACEBEL
86905Human health activities
86951Physiotherapy
86904Human health activities
86931Psychology services
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.