CB Automotive
ActiveSummary
CB Automotive has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €350k and a net result of €96k. Equity is growing by ~33.8% per year across the filed fiscal years. Its solvency ranks better than 26% of 8001 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76=
Solvency45▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity short (current ratio 0.97 against 0.95 in 2024; short-term debt: 60.8% and cash: 3.8% of total assets), and 79.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
20.1%
Return on assets
5.5%
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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 05-06-2026, 56 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
56 d early
2024
1 d early
2023
6 d early
2022
31 d late
2021
2 d early
2020
26 d late
2019
91 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, abbreviated schema
Equity
€350k▲ 38.0%
2024 · €253k
2019: €12k
2020: €58k
2021: €129k
2022: €170k
2023: €155k
2024: €253k
2019 → 2025
Total assets
€1.74M▼ 1.3%
2024 · €1.76M
2019: €736k
2020: €553k
2021: €639k
2022: €1.41M
2023: €1.53M
2024: €1.76M
2019 → 2025
Net result
€96k▼ 1.7%
2024 · €98k
2019: €2k
2020: €46k
2021: €71k
2022: €41k
2023: €-14k
2024: €98k
2019 → 2025
Working capital
€-28k▲ 52.2%
2024 · €-58k
2019: €-22k
2020: €51k
2021: €116k
2022: €-148k
2023: €-111k
2024: €-58k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€129k-€170k▲ 31.5%€155k▼ 8.3%€253k▲ 63.1%€350k▲ 38.0%
Operating result€96k-€58k▼ 40.0%€12k▼ 79.8%€161k▲ 1,283%€147k▼ 8.3%
Net result€71k-€41k▼ 43.1%€-14k€98k€96k▼ 1.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.74M
Fixed assets
€709k ▼ 3.2%
Current assets
€1.03M =
Equity and liabilities €1.74M
Equity
€350k ▲ 38.0%
Debt
€1.39M ▼ 7.9%
Debt's share of the balance-sheet total falls from 85.6% to 79.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€179k▼
2024 · €191k
Cash flow
€127k▼
2024 · €128k
Current ratio
0.97▲
2024 · 0.95
Quick ratio
0.21▼
2024 · 0.26
Debt to equity
3.97▼
2024 · 5.95
ROE
27.5%▼
2024 · 38.7%
ROA
5.5%▼
2024 · 5.6%
Interest coverage
7.27▲
2024 · 7.19
Debt ≤ 1 year
€1.06M▼
2024 · €1.09M
Debt > 1 year
€331k▼
2024 · €420k
Income taxes
€27k▼
2024 · €36k
Staff costs
€102k▼
2024 · €128k
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 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.76M€1.74M▼
Fixed assets21/28€732k€709k▼
Intangible fixed assets21-€980
Tangible fixed assets22/27€732k€708k▼
Land and buildings22€691k€672k▼
Plant, machinery and equipment23€15k€18k▲
Furniture and vehicles24€25k€17k▼
Other tangible fixed assets26€2k€1k▼
Financial fixed assets28-€241
Current assets29/58€1.03M€1.03M=
Stocks and contracts in progress3€742k€812k▲
Stocks30/36€742k€812k▲
Amounts receivable within one year40/41€143k€142k▼
Trade receivables40€97k€135k▲
Other amounts receivable41€46k€7k▼
Cash at bank and in hand54/58€137k€65k▼
Deferred charges and accrued income490/1€7k€10k▲
Equity and liabilities
Total equity and liabilities10/49€1.76M€1.74M▼
Equity10/15€253k€350k▲
Contributions10/11€10k€10k=
Reserves13€253k€253k=
Distributable reserves133€253k€253k=
Profit (loss) carried forward14€-10k€87k▲
Amounts payable17/49€1.51M€1.39M▼
Amounts payable after more than one year17€420k€331k▼
Financial debts170/4€420k€331k▼
Amounts payable within one year42/48€1.09M€1.06M▼
Current portion of amounts payable after more than one year42€71k€79k▲
Financial debts43€233k€213k▼
Credit institutions430/8€233k€213k▼
Trade debts44€64k-
Suppliers440/4€64k-
Advances received on contracts in progress46€250€1k▲
Taxes, remuneration and social security45€43k€95k▲
Taxes450/3€16k€78k▲
Remuneration and social security454/9€27k€17k▼
Other amounts payable47/48€676k€668k▼
Accrued charges and deferred income492/3€212€325▲
Income statement
Code20242025
Remuneration, social security and pensions62€128k€102k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€31k▲
Other operating charges640/8€13k€13k▲
Gross operating margin9900€333k€294k▼
Operating profit (loss)9901€161k€147k▼
Financial income75/76B€50€0▼
Recurring financial income75€50€0▼
Financial charges65/66B€27k€25k▼
Recurring financial charges65€27k€25k▼
Profit (loss) for the period before taxes9903€134k€123k▼
Income taxes67/77€36k€27k▼
Profit (loss) for the period9904€98k€96k▼
Profit (loss) for the period to be appropriated9905€98k€96k▼
Appropriation of the result
Profit (loss) to be appropriated9906€87k€87k▼
Profit (loss) brought forward from the previous period14P€-11k€-10k▲
Transfer to equity691/2€97k-
To other reserves6921€97k-
Social balance
Average headcount (FTE)90873.02.4▼
The notes to these accounts (17 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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €98k
Net result €98k after one loss-making year.
31-12
Financial
Equity above €200kEq €253k ▲63.1%
Equity rises from €155k to €253k.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-14k ▼135%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Equity above €150kEq €170k ▲31.5%
4 profitable years in a row build equity to €170k.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €100kEq €129k ▲124%
3 profitable years in a row build equity to €129k.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 26 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Aalst · 1 establishment unit since 2019
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.
Hertshage 739300 AalstGround area
2,045 m²
Building footprint
638 m²
Volume, LiDAR
3,701 m³
Parcel 41303D0761/00H002, Flanders · tallest building 11.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CB Automotive
since 20192.290.902.844
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41303D0761/00H002 | Flanders | 2,045 m² | 1 · 638 m² | 11.9 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 3,499 EUR awarded · 3,499 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,420 EUR | 2,420 EUR |
| 2024 | 1 | 857 EUR | 857 EUR |
| 2023 | 1 | 222 EUR | 222 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,128 companies in sector 46711 we hold annual accounts for 1,126. 704 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-2019
Fiscal year end31-12
Activities, NACEBEL 2025
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46810Wholesale of solid, liquid and gaseous fuels and related products
46730Wholesale trade
47300Retail sale of automotive fuel
47830Retail sale of motorcycles and motorcycle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.cbautomotive.be
E-mail:info@cbautomotive.be