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CAGIOVA

Active
Public limited companyfounded 201610 yrs activeGroot-Bijgaardenstraat 14, 1082 Sint-Agatha-Berchem, BelgiumKBO/BCE: BE 0649.809.235
Summary

The computed 12-month bankruptcy probability of CAGIOVA is 1.8% (moderate). The 2025 annual accounts show equity of €167,166 and a net result of -€5,349. Equity is shrinking by ~4.4% per year across the filed fiscal years. The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability37=
Solvency36▼-1
Growth58=
Track record100
Bankruptcy probability, 12 months
1.8% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days only on tighter terms
short-term debt: 88.6% of total assets, and 88.6% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€5,349
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 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
57 d early
2024
13 d early
2023
9 d early
2022
24 d early
2021
82 d early
2020
36 d early
2019
46 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 25 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

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. Usually files around 7 July (4 of the last 5 filed years within 33 days of that day).
Companies Code · seven months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 10 March 2016, CAGIOVA was incorporated.1 Total assets went from EUR 1.5 million in 2018 to EUR 1.5 million in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

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Financials · fiscal year 2025, full schema

Source amounts without an identifiable currency are assumed to be EUR.

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€5,349▲ 2.4%
2024 · -€5,483
Working capital
-€1.3m▼ 0.6%
2022 · -€1.3m
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result-€11,383▼ 41.6%-€7,999▲ 29.7%-€7,125▲ 10.9%-€5,483▲ 23.0%-€5,349▲ 2.4%
Net result-€11,477▼ 40.9%-€8,089▲ 29.5%-€7,131▲ 11.8%-€5,483▲ 23.1%-€5,349▲ 2.4%
Equity€193,218▼ 9.2%€185,130▼ 4.2%€177,999▼ 3.9%€172,516▼ 3.1%€167,166▼ 3.1%
Total assets€1.5m▼ 1.2%€1.5m▲ 0.1%€1.5m▼ 0.1%€1.5m=€1.5m=
Debt€1.3m▲ 0.1%€1.3m▲ 0.7%€1.3m▲ 0.5%€1.3m▲ 0.4%€1.3m▲ 0.4%
Working capital-€1.3m▼ 1.5%-€1.3m▼ 0.6%-€1.3m▼ 0.6%
Staff (FTE)000
Result per fiscal year
Operating resultNet result
-€15,000-€10,000-€5,000€0Operating result 2021: -€11,383-€11,383Net result 2021: -€11,477-€11,477Operating result 2022: -€7,999-€7,999Net result 2022: -€8,089-€8,089Operating result 2023: -€7,125-€7,125Net result 2023: -€7,131-€7,131Operating result 2024: -€5,483-€5,483Net result 2024: -€5,483-€5,483Operating result 2025: -€5,349-€5,349Net result 2025: -€5,349-€5,34920212022202320242025-€8,000-€6,000-€4,000-€2,000€0Operating result 2023: -€7,125-€7,120Net result 2023: -€7,131-€7,130Operating result 2024: -€5,483-€5,480Net result 2024: -€5,483-€5,480Operating result 2025: -€5,349-€5,350Net result 2025: -€5,349-€5,350202320242025
The operating result stays negative: a loss of €5,349 in 2025 against €5,483 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €1.5m
Equity €167,166 ▼ 3.1%
Debt €1.3m ▲ 0.4%
Debt's share of the balance-sheet total rises from 88.3% to 88.6%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
Debt to equity
7.80▲
2024 · 7.53
ROE
-3.2%▼
2024 · -3.2%
ROA
-0.4%▲
2024 · -0.4%
Debt ≤ 1 year
€1.3m▲
2024 · €1.3m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 27 lines
Balance sheet Code20242025
Assets
Total assets20/58€1.5m€1.5m=
Fixed assets21/28€1.5m€1.5m=
Financial fixed assets28€1.5m€1.5m=
Equity and liabilities
Total equity and liabilities10/49€1.5m€1.5m=
Equity10/15€172,516€167,166▼
Contributions10/11€66,128€66,128=
Capital10€66,128€66,128=
Issued capital100€66,128€66,128=
Reserves13€191,384€191,384=
Distributable reserves133€191,384€191,384=
Profit (loss) carried forward14-€84,996-€90,345▼
Amounts payable17/49€1.3m€1.3m▲
Amounts payable within one year42/48€1.3m€1.3m▲
Trade debts44€0€75▲
Suppliers440/4€0€75▲
Other amounts payable47/48€1.3m€1.3m▲
Income statement Code20242025
Other operating charges640/8€1,053€1,086▲
Gross operating margin9900-€4,431-€4,263▲
Operating profit (loss)9901-€5,483-€5,349▲
Financial charges65/66B€0-
Recurring financial charges65€0-
Profit (loss) for the period before taxes9903-€5,483-€5,349▲
Profit (loss) for the period9904-€5,483-€5,349▲
Profit (loss) for the period to be appropriated9905-€5,483-€5,349▲
Appropriation of the result
Profit (loss) to be appropriated9906-€84,996-€90,345▼
Profit (loss) brought forward from the previous period14P-€79,513-€84,996▼
Social balance
Average headcount (FTE)90870.00.0=

The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Other operating charges640/8€868€868€1,682€1,053€1,086▲ 3.2%
Gross operating margin9900-€10,515-€7,131-€5,443-€4,431-€4,263▲ 3.8%
Operating profit (loss)9901-€11,383-€7,999-€7,125-€5,483-€5,349▲ 2.4%
Financial charges65/66B€94€89€6€0--
Recurring financial charges65€94€89€6€0--
Profit (loss) for the period before taxes9903-€11,477-€8,089-€7,131-€5,483-€5,349▲ 2.4%
Profit (loss) for the period9904-€11,477-€8,089-€7,131-€5,483-€5,349▲ 2.4%
Profit (loss) for the period to be appropriated9905-€11,477-€8,089-€7,131-€5,483-€5,349▲ 2.4%
Line20212022202320242025Change
Assets
Total assets20/58€1.5m€1.5m€1.5m€1.5m€1.5m=
Fixed assets21/28€1.5m€1.5m€1.5m€1.5m€1.5m=
Financial fixed assets28€1.5m€1.5m€1.5m€1.5m€1.5m=
Current assets29/58€450€1,247€0---
Amounts receivable within one year40/41€87€0----
Trade receivables40€87€0----
Cash at bank and in hand54/58€363€1,247€0---
Equity and liabilities
Total equity and liabilities10/49€1.5m€1.5m€1.5m€1.5m€1.5m=
Equity10/15€193,218€185,130€177,999€172,516€167,166▼ 3.1%
Contributions10/11€66,128€66,128€66,128€66,128€66,128=
Capital10€66,128€66,128€66,128€66,128€66,128=
Issued capital100€66,128€66,128€66,128€66,128€66,128=
Reserves13€191,384€191,384€191,384€191,384€191,384=
Distributable reserves133€191,384€191,384€191,384€191,384€191,384=
Profit (loss) carried forward14-€64,293-€72,382-€79,513-€84,996-€90,345▼ 6.3%
Amounts payable17/49€1.3m€1.3m€1.3m€1.3m€1.3m▲ 0.4%
Amounts payable within one year42/48€1.3m€1.3m€1.3m€1.3m€1.3m▲ 0.4%
Trade debts44-€325€291€0€75-
Suppliers440/4-€325€291€0€75-
Other amounts payable47/48€1.3m€1.3m€1.3m€1.3m€1.3m▲ 0.4%
Line20212022202320242025Change
Profit (loss) for the period9904-€11,477-€8,089-€7,131-€5,483-€5,349▲ 2.4%
Operating cash flow (approximation)-€11,477-€8,089-€7,131-€5,483-€5,349▲ 2.4%
Investment in fixed assets (approximation)-€0€0€0€0-
Change in cash-€884-€1,247---

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
04-06
NBB filing Annual accounts filed
fiscal year 2025 · full schema
2025
18-07
NBB filing Annual accounts filed
fiscal year 2024 · full schema
2024
22-07
NBB filing Annual accounts filed
fiscal year 2023 · full schema
2023
07-07
NBB filing Annual accounts filed
fiscal year 2022 · full schema
2022
10-05
NBB filing Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial Weakest financial yearnet -€11,477
Net result drops to -€11,477, the lowest in the series; recovery starts the following year.
25-06
NBB filing Annual accounts filed
fiscal year 2020 · full schema
2020
15-09
NBB filing Annual accounts filed
fiscal year 2019 · full schema · 46 days late
2019
04-07
NBB filing Annual accounts filed
fiscal year 2018 · full schema
2018
19-07
NBB filing Annual accounts filed
fiscal year 2017 · full schema
01-06
NBB filing Annual accounts filed
fiscal year 2016 · full schema · 305 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts

We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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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, Sint-Agatha-Berchem · 1 establishment unit since 2016
seat establishment The establishment unit on the map
Ground area
290 m²
Building footprint
293 m²
Volume, LiDAR
2,049 m³
Parcel 21342B0043/00F003, Brussels · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
295 companies at this address See who is registered here
1 establishment unit
CAGIOVA
Groot-Bijgaardenstraat 14, 1082 Sint-Agatha-BerchemHoldings
since 20162.254.030.372
1 parcel
Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21342B0043/00F003 Brussels 290 m² 1 · 293 m² 10.6 m · 2 fl.
Linked by address, not proof of ownership
Good to know
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

Owners and holdings

1 holding

Owners 0

The accounts to 31-12-2025 list no shareholders, and no other source names one.

Holdings 1

  • Shareholdings SAESsubsidiary
    Equity €1.7mResult -€2,690
    99.99%

According to the 2025 annual accounts of CAGIOVA and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Identification & contact

Identification
Legal formPublic limited company
Founded10-03-2016
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

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Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.