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C.B.M

Active
Public limited companyfounded 1996active for 30 yearsRue Couturelle(NEU) 38, 5600 Philippeville, BelgiumKBO/BCE: BE 0456.908.897
Summary

C.B.M has been active since 1996 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €901,157 and a net result of -€24,060. Equity is growing by about 3.6% per year across the filed financial years. Its solvency ranks better than 24% of 3,821 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Activity
Business and other management consultancy
NACE 70200Retail sale of information and communication equipment NACE 47400
3rd largest company by total assets in Philippeville, Professional and technical services sector2 sites
Size
€3.9mtotal assets 2025
Staff
0.4 FTE
Equity
€901,157
Loss
-€24,060
Financial health
89 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Structure
Holdings
1
Accounts 141 days early3 of 13 deeds read
Why 89raises riskLiquidity: current ratio 0.68, cash €86,390lowers riskSize: 0.4 FTE, total assets €3.9mFigures for financial year 2025 (filed 19-09-2025)Sector: Activities of head offices; management consultancy activities (NACE 70)Show the evidence

Checked score

Score 2025
89 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 33% of its sector peers (NACE 70, micro)
Financial strength · tick = 2024
Average
Solvency 48+1
equity 22.9% of total assets
Liquidity 53+1
short-term debt 3.4% · cash 2.2%
Profitability 68+6
return on assets -0.6%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (48,371 companies, NACE 70, micro)
Last 24 months 11-2024: 0.1%highest value 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025lowest value 11-2025: 0.1%● unchanged vs 10-2025lowest value 12-2025: 0.1%● unchanged vs 11-2025lowest value 01-2026: 0.1%● unchanged vs 12-2025lowest value 02-2026: 0.1%● unchanged vs 01-2026lowest value 03-2026: 0.1%● unchanged vs 02-2026lowest value 04-2026: 0.1%● unchanged vs 03-2026lowest value 05-2026: 0.1%● unchanged vs 04-2026lowest value 06-2026: 0.1%● unchanged vs 05-2026lowest value 07-2026: 0.1%● unchanged vs 06-2026lowest value 08-2026: 0.1%● unchanged vs 07-2026lowest value 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026
Credit of up to €80,000 on 30-day terms is acceptable
Liquidity insufficient (current ratio 0.68, compared with 0.44 in 2024, below 1; short-term debt: 3.4% and cash: 2.2% of total assets), and 77.1% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro): better than 25% on solvency, 41% on liquidity, 31% on profitability and 35% on growth.

The bankruptcy probability was computed on 17-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Size: 0.4 FTE, total assets €3.9m
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 0.68, cash €86,390
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed 19-09-2025)
NBB · annual accounts
lowers risk · Sector: Activities of head offices; management consultancy activities (NACE 70)
KBO
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 3821 sector peers (2025).
NBB · sector comparison
Position among 3821 sector peers
Solvency
better than 24%
← weakest strongest →
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 12-09-2025, 141 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
141 days early
2024
77 days early
2023
49 days early
2022
71 days early
2021
74 days early
2020
64 days early
2019
58 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 76 days before the deadline; the sector median (NACE 70) for financial year 2024 is 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 18 November (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end18-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Capital & shares · RestructuringMerger · Accounting effect ·…
  2. RestructuringAppointment: 2C&B - réviseurs d'entreprises…
  3. Annual accounts filedfinancial year 2025 · full…

Key points

  • Caution: From profit to loss in 2025after €32,544 in 2024 -€24,060 View
  • Positive: 3rd largest company by total assets in Philippeville, Professional and technical services…in the Checked rankings No. 3 View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Merger with ONE-OFFmerger on 13-01-2026 2026 View

By topic

Financials

Financial year
2025
Total assets
€3.9m
Loss
-€24,060
Solvency
22.9%
Total assets▼ 4.7%
Net result
20192025
Go to Financials

Timeline

Events
34
Since
1999
Next accounts
by 31-01-2027
  1. 15-11-2024Annual accounts filed
  2. 24-04-2024Name · Resignations & appointments
  3. 13-12-2023Annual accounts filed
Go to Timeline

Company details

Sites
2
Legal form
Public limited company
Activity
Business and other management consultancyNACE 70200
Founded
04-01-1996
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
23
Purpose
“Le conseil informatique, lequel comprend la planification et la conception de systèmes…” (deed in French)
Go to Articles of association

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