Equity
€34,588 ▲ 34.1%
CAVACELO paid out €580,000 in dividends. That is 99% of the 2025 profit.
CAVACELO
Lifetime
6 annual accounts with figures on one time axispeak €1.8m (2025)
€1.8m▲ 37.7%
peak €588,786 (2025)
€588,786▲ 106%
peak €69,843 (2023)
€34,588▲ 34.1%
€995,662▲ 64.3%
peak 13 FTE (2025)
13 FTE▲ 10.2%
Board6 names since 2019
4 directors and 3 others
Owners6 names in the annual accounts
25% and 3 others
Documentsfilings and deeds
07-07-202624 days before the deadline
2025abbreviated format
Gross margin from €1.3m to €1.8mResult from €285,959 to €588,786Staff from 11.8 FTE to 13 FTEDividend €580,000Equity from €25,802 to €34,588Debts from €606,124 to €995,662
Key points
from the 2025 annual accountsResult
€588,786 ▲ 106%
The result rose in 2025 from €285,959 to €588,786.
Debts
€995,662 97% of the balance sheet
Financial debts 21%Suppliers 3%Taxes and wages 18%Other 58%
Of this, €994,623 falls due within a year.
Staff
13 employees on 31-12-2025
In 2025, 1 person joined and 2 left.
Filings
6 annual accounts since 2020
The last five annual accounts were filed 24 to 76 days before the end of the period.
Position in the sector
3.4%
Lower solvency than 89% of companies in auxiliary financial services. Sector median 37.1% · 1,929 companies.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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Signals
Board and ownership
Director,
Director,
Director,
Director,
- consolidatesequity €225,002 (2025) · annual accounts 2025
- consolidatesequity €224,067 (2025) · annual accounts 2025
- 25%equity €363,210 (2025) · 2025 annual accounts of
Recent changes
New statutory director
appointed, resigned · Permanent representatives: , , , and · General meeting of 02-05-2024 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0729781280
Permanent representative:
General meeting of 29-03-2022 · Gazette deed
New statutory director
appointed, resigned · Permanent representatives: , , , and · General meeting of 25-03-2022 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CAVACELO Heusden-Zolder | €1.0m | €1.8m | 3.4% | 13 |
| Corvafin Beersel | €0.8m | €1.6m | 11.9% | 13 |
| WESTCOAST FINANCE Koksijde | €0.9m | €1.6m | 6.5% | 13.3 |
| JACD Aywaille | €0.7m | €1.3m | 2.7% | 12.3 |
| SPAY FINANCES Sprimont | €1.0m | €1.6m | 22.8% | 14.5 |
| BDL ADVIES Berlare | €1.0m | €1.2m | 2.0% | 9 |
| BUMERON Aalst | €0.6m | €1.4m | 15.3% | 15.4 |
These companies have the same main activity as CAVACELO: agents and brokers in banking services (NACE 66191). They are comparable in size and age: total assets between €618,000 and €1m, founded between 2017 and 2023.
Official details
Source: KBO- Status
- Active since 04-07-2019Normal situation
- Activity
- Agents and brokers in banking servicesNACE 66191
- Joint committee
- 341Intermediation in banking and investment services · annual accounts 2024
- Establishment units
- 2.290.858.8963550 Heusden-Zolder, since 04-07-2019
- 2.334.623.9123582 Beringen, since 18-12-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 24-11-2023
Annual accounts 2025
- €1.0m▲ 63.0%
- Employeeson 31-12-2025
- 13▼ 7.1%
- Filing
- Filed on 07-07-2026, 24 days before the end of the filing period
Insights on CAVACELO
CAVACELO files the abbreviated format. That format states no turnover. The gross margin rose from €994,804 in 2020 to €1.8m in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CAVACELO
- What is the company number of CAVACELO?
- The company number of CAVACELO is 0729.781.280. The VAT number is the same number with BE in front: BE 0729.781.280.
- Where is CAVACELO based?
- The registered office is at Bieststraat 18, 3550 Heusden-Zolder.Company details
- What does CAVACELO do?
- According to the KBO register, the main activity is agents and brokers in banking services (NACE 66191).
- What is the legal form of CAVACELO?
- CAVACELO is a private limited company (BV).
- When was CAVACELO founded?
- CAVACELO was founded on 04-07-2019.
- Is CAVACELO still active?
- Yes, CAVACELO is an active enterprise in the KBO register.
- How many employees does CAVACELO have?
- CAVACELO had an average of 13 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does CAVACELO fall under?
- In its 2024 annual accounts, CAVACELO states joint committee 341 (Intermediation in banking and investment services).
- What is the turnover of CAVACELO?
- The turnover in financial year 2025 is ≈ €3.2m. This figure is estimated from the gross margin of €1.8m and 1,584 comparable companies of the same size. It probably lies between €2.1m and €5.2m. It is a rough estimate.
- Is CAVACELO profitable?
- In financial year 2025, CAVACELO made a profit of €588,786.
- Where can I find the annual accounts of CAVACELO?
- CAVACELO filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CAVACELO due?
- CAVACELO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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