CB LUX MENUISERIE
ActiveThe computed 12-month bankruptcy probability of CB LUX MENUISERIE is 2.2% (moderate). The 2025 annual accounts show equity of €46k and a net result of €9k. Equity is growing by ~20.2% per year across the filed fiscal years. Its solvency ranks better than 10% of 7692 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
43
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▼-5
Solvency31▼-4
Growth52=
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.01 against 1.0 in 2024; short-term debt: 81.4% and cash: 5.2% of total assets), and 93.8% 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
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
6.2%
Return on assets
1.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 7692 sector peers (2025).
NBB · sector comparisonPosition among 7692 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 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 · 5 filingsDeviation from the deadline
2025
14 d late
2024
81 d late
2023
153 d late
2022
31 d late
2021
226 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€9k▼ 29.0%
2024 · €13k
2021: €63k
2022: €-2k
2023: €2k
2024: €13k
2021 → 2025
Working capital
€4k
2024 · €-602
2021: €31k
2022: €-18k
2023: €-16k
2024: €-602
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€23k▼ 8.0%€25k▲ 6.8%€37k▲ 51.1%€46k▲ 24.0%
Operating result€71k-€-327€25k€31k▲ 26.4%€32k▲ 3.7%
Net result€63k-€-2k€2k€13k▲ 704%€9k▼ 29.0%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 4% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €745k
Fixed assets
€134k▼ 2.9%
Current assets
€611k▲ 154%
Equity and liabilities €745k
Equity
€46k▲ 24.0%
Debt
€699k▲ 105%
The debt ratio rises from 90.2% to 93.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€45k▲
2024 · €44k
Cash flow
€22k▼
2024 · €26k
Solvency
6.2%▼
2024 · 9.8%
Current ratio
1.01▲
2024 · 1.00
Quick ratio
0.90▲
2024 · 0.67
Debt / equity
15.13▲
2024 · 9.17
ROE
19.4%▼
2024 · 33.8%
ROA
1.2%▼
2024 · 3.3%
Interest coverage
5.68▼
2024 · 6.72
Debt
€699k▲
2024 · €341k
Debt ≤ 1 year
€606k▲
2024 · €241k
Debt > 1 year
€92k▼
2024 · €100k
Income taxes
€15k▲
2024 · €12k
Staff costs
€146k▼
2024 · €182k
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€379k€745k▲
Fixed assets21/28€138k€134k▼
Tangible fixed assets22/27€138k€134k▼
Land and buildings22€128k€121k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€5k€11k▲
Financial fixed assets28€98€98=
Current assets29/58€240k€611k▲
Stocks and contracts in progress3€79k€68k▼
Stocks30/36€79k€68k▼
Amounts receivable within one year40/41€139k€497k▲
Trade receivables40€138k€497k▲
Other amounts receivable41€405€405=
Cash at bank and in hand54/58€16k€39k▲
Deferred charges and accrued income490/1€7k€7k▲
Equity and liabilities
Total equity and liabilities10/49€379k€745k▲
Equity10/15€37k€46k▲
Contributions10/11€12k€12k=
Profit (loss) carried forward14€25k€34k▲
Amounts payable17/49€341k€699k▲
Amounts payable after more than one year17€100k€92k▼
Financial debts170/4€100k€92k▼
Amounts payable within one year42/48€241k€606k▲
Current portion of amounts payable after more than one year42€9k€9k▼
Trade debts44€106k€478k▲
Suppliers440/4€106k€478k▲
Advances received on contracts in progress46-€17k
Taxes, remuneration and social security45€83k€84k▲
Taxes450/3€54k€51k▼
Remuneration and social security454/9€30k€33k▲
Other amounts payable47/48€42k€19k▼
Accrued charges and deferred income492/3-€960
Income statement
Code20242025
Remuneration, social security and pensions62€182k€146k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k=
Other operating charges640/8€17k€23k▲
Gross operating margin9900€243k€215k▼
Operating profit (loss)9901€31k€32k▲
Financial income75/76B€48€2▼
Recurring financial income75€48€2▼
Financial charges65/66B€7k€8k▲
Recurring financial charges65€7k€8k▲
Profit (loss) for the period before taxes9903€25k€24k▼
Income taxes67/77€12k€15k▲
Profit (loss) for the period9904€13k€9k▼
Profit (loss) for the period to be appropriated9905€13k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€34k▲
Profit (loss) brought forward from the previous period14P€13k€25k▲
Social balance
Average headcount (FTE)90873.92.5▼
The notes to these accounts (9 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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 14 days late
2025
20-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 81 days late
11-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 153 days late
2024
31-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 153 days late
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
14-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 226 days late
2022
31-12
Financial
Weakest financial yearnet €-2k ▼103%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Quiévrain · 1 establishment unit since 2020
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.
Rue de Mons 247380 QuiévrainGround area
579 m²
Building footprint
476 m²
Volume, LiDAR
2,516 m³
Parcel 53068A1575/00K000, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ISO MENUISERIE
since 20202.310.221.185
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53068A1575/00K000 | Wallonia | 579 m² | 1 · 476 m² | 7.4 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.
Structure & network
Connections & network
1 connected companyNetwork connections
Shared address
→
Similar companies · same sector, comparable size
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JPS WORKS
BE 1003.700.768
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ABP
BE 0568.855.510
Liège · Eq €46k
MENUISERIE SYLVAIN GREGOIRE
BE 0741.848.377
Theux · Eq €46k
WILDERNEST
BE 0656.844.606
Ukkel · Eq €46k
Of 20,031 companies in sector 43320 we hold annual accounts for 9,133. 7,316 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-10-2020
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
43230Insulation installation
43291Specialised construction activities
43310Plastering work
43421Specialised construction activities
46831Wholesale of construction materials, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:mohamed@iso-menuiserie.be
Phone:0486079808