C.G.D. DUCARMOIS
ActiveSummary
C.G.D. DUCARMOIS has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-22k) and a net result of €-2k. Equity is growing by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 8% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
23
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.65 against 0.84 in 2024; short-term debt: 153.6% and cash: 2.3% of total assets), and equity is negative.
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 · 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
-157.8%
Return on assets
-16.4%
Age of the figures
9 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-22k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-08-2026, 23 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
23 d late
2024
61 d late
2023
61 d late
2022
on the day
2021
11 d early
2020
60 d late
2019
4 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
€-22k▼ 11.6%
2024 · €-20k
2018: €-20k
2019: €-31k
2020: €-43k
2021: €-26k
2022: €-16k
2023: €-12k
2024: €-20k
2018 → 2025
Total assets
€14k▼ 23.1%
2024 · €18k
2018: €90k
2019: €83k
2020: €63k
2021: €7k
2022: €18k
2023: €19k
2024: €18k
2018 → 2025
Net result
€-2k▲ 68.7%
2024 · €-7k
2018: €-9k
2019: €-11k
2020: €-12k
2021: €17k
2022: €10k
2023: €3k
2024: €-7k
2018 → 2025
Working capital
€-7k▼ 122%
2024 · €-3k
2018: €80k
2019: €69k
2020: €57k
2021: €-721
2022: €7k
2023: €7k
2024: €-3k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-26k-€-16k▲ 39.7%€-12k▲ 21.5%€-20k▼ 58.9%€-22k▼ 11.6%
Operating result€18k-€11k▼ 37.1%€4k▼ 61.8%€-6k€-1k▲ 79.7%
Net result€17k-€10k▼ 39.5%€3k▼ 67.3%€-7k€-2k▲ 68.7%
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 €1k in 2025 against €6k in 2024; the loss shrinks.
Key figures and ratios
Solvency
-157.8%▼
2024 · -108.7%
Current ratio
0.65▼
2024 · 0.84
Quick ratio
0.44▼
2024 · 0.74
Debt to equity
-0.97▲
2024 · -1.09
ROA
-16.4%▲
2024 · -40.3%
Debt
€21k▼
2024 · €22k
Debt ≤ 1 year
€21k▼
2024 · €22k
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€18k€14k▼
Current assets29/58€18k€14k▼
Stocks and contracts in progress3€2k€4k▲
Stocks30/36€2k€4k▲
Amounts receivable within one year40/41€16k€9k▼
Trade receivables40€16k€9k▼
Other amounts receivable41-€318
Cash at bank and in hand54/58€317€317=
Equity and liabilities
Total equity and liabilities10/49€18k€14k▼
Equity10/15€-20k€-22k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-40k€-42k▼
Provisions and deferred taxes16€16k€15k▼
Provisions for liabilities and charges160/5€16k€15k▼
Environmental obligations163€16k€15k▼
Amounts payable17/49€22k€21k▼
Amounts payable within one year42/48€22k€21k▼
Financial debts43€4k€5k▲
Credit institutions430/8€4k€5k▲
Trade debts44€7k€3k▼
Suppliers440/4€7k€3k▼
Taxes, remuneration and social security45€126€60▼
Taxes450/3€126€60▼
Other amounts payable47/48€11k€14k▲
Income statement
Code20242025
Other operating charges640/8€4k€882▼
Gross operating margin9900€-2k€-355▲
Operating profit (loss)9901€-6k€-1k▲
Financial income75/76B-€28
Recurring financial income75-€28
Financial charges65/66B€900€1k▲
Recurring financial charges65€900€1k▲
Profit (loss) for the period before taxes9903€-7k€-2k▲
Income taxes67/77€322-
Profit (loss) for the period9904€-7k€-2k▲
Profit (loss) for the period to be appropriated9905€-7k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-40k€-42k▼
Profit (loss) brought forward from the previous period14P€-33k€-40k▼
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
2026
23-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 23 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €17k
Net result €17k after 3 loss-making years.
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 4 days late
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
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
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, Gerpinnes · 1 establishment unit since 2003
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.
Allée Pré Magnette(GER) 486280 GerpinnesGround area
1,460 m²
Building footprint
158 m²
Volume, LiDAR
839 m³
Parcel 52025B0632/00V002, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Allée Pré Magnette(GER) 48, 6280 Gerpinnes
since 20032.126.899.697
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52025B0632/00V002 | Wallonia | 1,460 m² | 1 · 158 m² | 7.2 m · 2 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 and region
MEDICAL ACCESSOIRES
BE 0427.700.219
Gerpinnes
VBrep
BE 0629.984.514
Gerpinnes
A.M.S.
BE 0460.750.196
Thuin
AUDIOLOGIE RAFHAY SYLVIE
BE 0844.921.963
Beaumont
AUXILIAIRE ACOUSTIQUE DE CHARLEROI (Ets VERANNEMAN
BE 0436.555.131
Charleroi
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 1,070 companies in sector 47741 we hold annual accounts for 644. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded21-03-2003
Fiscal year end31-12
Abbreviation FR
C.G.D.
Activities, NACEBEL 2025
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
77225Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.