CAMBRIDGE CONTINENTAL
ActiveCAMBRIDGE CONTINENTAL has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.85M and a net result of €412k. Equity is growing by ~21.9% per year across the filed fiscal years. Its solvency ranks better than 74% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €190k at 30 days acceptable
Liquidity ample (current ratio 5.36 against 5.08 in 2024), and 22.1% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
77.9%
Return on assets
17.3%
Age of the figures
8 mo
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
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 12-06-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 d early
2024
28 d early
2023
57 d early
2022
35 d early
2021
31 d early
2020
13 d late
2019
7 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.85M▲ 8.6%
2024 · €1.71M
2018: €590k
2019: €725k
2020: €744k
2021: €745k
2022: €966k
2023: €1.49M
2024: €1.71M
2018 → 2025
Total assets
€2.38M▲ 6.6%
2024 · €2.23M
2018: €1.02M
2019: €1.06M
2020: €1.15M
2021: €1.50M
2022: €1.54M
2023: €2.03M
2024: €2.23M
2018 → 2025
Net result
€412k▲ 17.2%
2024 · €351k
2018: €158k
2019: €136k
2020: €165k
2021: €192k
2022: €280k
2023: €687k
2024: €351k
2018 → 2025
Working capital
€1.63M▲ 41.9%
2024 · €1.15M
2018: €372k
2019: €449k
2020: €412k
2021: €192k
2022: €374k
2023: €1.21M
2024: €1.15M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€745k-€966k▲ 29.7%€1.49M▲ 54.7%€1.71M▲ 14.4%€1.85M▲ 8.6%
Operating result€288k-€395k▲ 36.9%€814k▲ 106%€467k▼ 42.7%€522k▲ 11.7%
Net result€192k-€280k▲ 45.6%€687k▲ 145%€351k▼ 48.9%€412k▲ 17.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 12% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.38M
Fixed assets
€371k▼ 53.5%
Current assets
€2.01M▲ 40.1%
Equity and liabilities €2.38M
Equity
€1.85M▲ 8.6%
Debt
€525k▲ 0.1%
The debt ratio falls from 23.5% to 22.1%: equity grows faster than debt.
Key figures and ratios
EBITDA
€557k▲
2024 · €503k
Cash flow
€447k▲
2024 · €387k
Solvency
77.9%▲
2024 · 76.5%
Current ratio
5.36▲
2024 · 5.08
Quick ratio
5.36▲
2024 · 5.08
Debt / equity
0.28▼
2024 · 0.31
ROE
22.2%▲
2024 · 20.6%
ROA
17.3%▲
2024 · 15.7%
Interest coverage
70.48▲
2024 · 55.68
Debt
€525k▲
2024 · €524k
Debt ≤ 1 year
€375k▲
2024 · €282k
Debt > 1 year
€150k▼
2024 · €237k
Income taxes
€151k▼
2024 · €155k
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€2.23M€2.38M▲
Fixed assets21/28€800k€371k▼
Tangible fixed assets22/27€797k€347k▼
Land and buildings22€656k€188k▼
Plant, machinery and equipment23€56k€118k▲
Furniture and vehicles24€86k€41k▼
Financial fixed assets28€3k€25k▲
Current assets29/58€1.43M€2.01M▲
Amounts receivable after more than one year29€1.24M€994k▼
Other amounts receivable291€1.24M€994k▼
Amounts receivable within one year40/41€117k€308k▲
Trade receivables40€140€4k▲
Other amounts receivable41€116k€304k▲
Current investments50/53€13k€466k▲
Cash at bank and in hand54/58€59k€240k▲
Deferred charges and accrued income490/1€141-
Equity and liabilities
Total equity and liabilities10/49€2.23M€2.38M▲
Equity10/15€1.71M€1.85M▲
Contributions10/11€12k€12k=
Reserves13€1.68M€1.82M▲
Tax-exempt reserves132€295k€295k=
Distributable reserves133€1.38M€1.53M▲
Profit (loss) carried forward14€20k€20k=
Amounts payable17/49€524k€525k▲
Amounts payable after more than one year17€237k€150k▼
Financial debts170/4€237k€150k▼
Amounts payable within one year42/48€282k€375k▲
Current portion of amounts payable after more than one year42€74k€41k▼
Trade debts44€4k€7k▲
Suppliers440/4€4k€7k▲
Taxes, remuneration and social security45€73k€76k▲
Taxes450/3€73k€76k▲
Other amounts payable47/48€131k€251k▲
Accrued charges and deferred income492/3€6k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€35k▼
Other operating charges640/8€3k€35k▲
Non-recurring operating charges66A€322€190▼
Gross operating margin9900€507k€592k▲
Operating profit (loss)9901€467k€522k▲
Financial income75/76B€48k€50k▲
Recurring financial income75€48k€50k▲
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€506k€563k▲
Income taxes67/77€155k€151k▼
Profit (loss) for the period9904€351k€412k▲
Transfer to tax-exempt reserves689€105k-
Profit (loss) for the period to be appropriated9905€246k€412k▲
Appropriation of the result
Profit (loss) to be appropriated9906€266k€431k▲
Profit (loss) brought forward from the previous period14P€20k€20k=
Transfer from equity791/2€137k€266k▲
Transfer to equity691/2€246k€412k▲
To other reserves6921€246k€412k▲
Profit to be distributed694/7€137k€266k▲
Return on contributions (dividend)694€137k€266k▲
The notes to these accounts (12 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
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
20-03
State Gazette act
Registered officeBoard meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
Board meeting · Registered-office move2 facts ▸
- Board meeting, 01/01/2026
- Registered-office move, 9000 Gent, Henegouwenstraat 95 bus 301
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €687k ▲145%
Operating result €814k, net result €687k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 5.17
Current ratio from 2.40 to 5.17.
31-12
Financial
Equity above €1MEq €1.49M ▲54.7%
6 profitable years in a row build equity to €1.49M.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 13 days late
2020
07-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 7 days late
2019
31-12
Financial
Weakest financial yearnet €136k ▼14%
Net result drops to €136k, the lowest in the series; recovery starts the following year.
20-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 51 days late
2018
01-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
06-06-2023
Resigned as Manager
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 2004
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.
Henegouwenstraat 959000 GentGround area
614 m²
Building footprint
513 m²
Volume, LiDAR
9,057 m³
Parcel 44803C0609/00D000, Flanders · tallest building 24.2 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Cambridge Continental
since 20042.139.058.450
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44803C0609/00D000 | Flanders | 614 m² | 1 · 513 m² | 24.2 m · 6 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.
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,386. 20,971 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-08-2004
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:luciendb@yahoo.com
Phone:0478/88.30.69