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C & V Verzekeringen

Active
Private limited companyfounded 2012active for 13 yearsElzerijstraat 29, 8890 Moorslede, BelgiumKBO/BCE: BE 0501.596.601
Summary

C & V Verzekeringen has been active since 2012 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €119,322 and a net result of €152,610, of which €233,464 non-recurring income. Equity is growing by about 10% per year across the filed financial years. The computed 12-month bankruptcy probability is 0.7% (low).

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C & V VerzekeringenActiveChecked score 70/100
Risk analysis ReportCompare

Overview

Activity
“De inrichting en uitbating van een verzekeringskantoor,omvattende het verlenen van adviezen omtrent alle takken…” (deed in Dutch)
From the articles, 9 activitiesNo NACE code in the KBO yet1 site
Size
≈ €510,000turnover 2025, estimated
Equity
€119,322
Profit
€152,610
Turnover estimated from the gross margin
Financial health
70 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
0.7%
Structure
2025 accounts filed 31 days late1 of 2 deeds summarised
Why 70raises riskLast filed accounts filed 31 days late; 3 of the last 3 lateLiquidity: current ratio 2.67, cash €5,329, halvedlowers riskSize: total assets €283,961Founded in 2012Show the evidence

Checked score

Score 2025
70 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 62% of its sector peers (no NACE code, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 67+67
equity 42.0% of total assets
Liquidity 35-15
short-term debt 37.4% · cash 1.9%
Profitability 100+56
return on assets 53.7%
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%

About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 1.8% 12-2024: 2.3%▲ +0.5 percentage points vs 11-2024 01-2025: 2.3%● unchanged vs 12-2024 02-2025: 2.3%● unchanged vs 01-2025 03-2025: 2.3%● unchanged vs 02-2025 04-2025: 2.3%● unchanged vs 03-2025 05-2025: 2.3%● unchanged vs 04-2025 06-2025: 2.4%▲ +0.1 percentage points vs 05-2025 07-2025: 2.2%▼ -0.2 percentage points vs 06-2025 08-2025: 2.6%▲ +0.4 percentage points vs 07-2025 09-2025: 2.8%▲ +0.2 percentage points vs 08-2025highest value 10-2025: 1.1%▼ -1.7 percentage points vs 09-2025 11-2025: 1.4%▲ +0.3 percentage points vs 10-2025 12-2025: 1.4%● unchanged vs 11-2025 01-2026: 1.4%● unchanged vs 12-2025 02-2026: 1.4%● unchanged vs 01-2026 03-2026: 1.3%▼ -0.1 percentage points vs 02-2026 04-2026: 1.3%● unchanged vs 03-2026 05-2026: 1.3%● unchanged vs 04-2026 06-2026: 1.3%● unchanged vs 05-2026 07-2026: 1.3%● unchanged vs 06-2026 08-2026: 1.6%▲ +0.3 percentage points vs 07-2026 09-2026: 0.7%▼ -0.9 percentage points vs 08-2026lowest value 10-2026: 0.7%● unchanged vs 09-2026lowest value
Credit of up to €8,000 on 30-day terms is acceptable
Liquidity ample (current ratio 2.67, compared with 0.66 in 2024, above the usual 1.5; short-term debt: 37.4% and cash: 1.9% of total assets), but 58% 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 (no NACE code, micro): better than 40% on solvency, 19% on liquidity, 90% on profitability and 98% on growth.

The bankruptcy probability was computed on 28-10-2026 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

Five signals.
lowers riskraises risk
raises risk · Last filed accounts filed 31 days late; 3 of the last 3 late
NBB · filings
lowers risk · Size: total assets €283,961
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 2.67, cash €5,329, halved
NBB · annual accounts
lowers risk · Founded in 2012
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
31 days late
2024
60 days late
2023
118 days late
2022
151 days late
2021
54 days late
2020
15 days early
2019
on the day
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 57 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 September (4 of the last 5 filed years within 59 days of that day).
Companies Code · seven months
Where today falls in the filing period
29-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Highest result from 2018 to 2025net €152,610 ▲6,699%
  3. Liquidity more than quadruplescurrent ratio 2.67

Key points

  • Result rose in 2025mostly a one-off income of €233,464 ▲ 68× View
  • One director decidessole director in office 1 View
  • Total assets 20256 financial years filed €283,961 View

By topic

Financials

Financial year
2025
Total assets
€283,961
Profit
€152,610
Solvency
42.0%
Total assets▲ 240%
Net result
20182025
Go to Financials

Timeline

Events
19
Since
2014
Next accounts
by 31-07-2027
  1. 31-12-2025Equity above €100,000
  2. 29-09-2025Annual accounts filed
  3. 31-12-2024Back to profit
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Founded
28-11-2012
Year ends
31-12
Peppol
Not found in the Peppol directory
Go to Company details

Articles of association

Provisions read
32
Purpose
“De inrichting en uitbating van een verzekeringskantoor,omvattende het verlenen van…” (deed in Dutch)
Go to Articles of association

Key facts about C & V Verzekeringen

What is the company number of C & V Verzekeringen?
0501.596.601. In Belgium the VAT number is the company number with BE in front: BE 0501.596.601.
Where is C & V Verzekeringen based?
The registered office is at Elzerijstraat 29, 8890 Moorslede.Company details
What is the legal form of C & V Verzekeringen?
Private limited company (BV).
When was C & V Verzekeringen founded?
On 28-11-2012.
Is C & V Verzekeringen still active?
Yes, C & V Verzekeringen is an active enterprise in the KBO register.
What is the turnover of C & V Verzekeringen?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is C & V Verzekeringen profitable?
In financial year 2025, C & V Verzekeringen made a profit of €152,610.
Where can I find the annual accounts of C & V Verzekeringen?
C & V Verzekeringen filed 13 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of C & V Verzekeringen due?
By 31-07-2027, for financial year 2026.Timeline

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