CAVALLO BELGIUM
ActiveSummary
The computed 12-month bankruptcy probability of CAVALLO BELGIUM is 1.6% (moderate). The 2025 annual accounts show equity of €22k and a net result of €1k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 30% of 27786 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▲+48
Solvency54▲+2
Growth32=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.36 against 1.36 in 2024; short-term debt: 71.4% and cash: 0.9% of total assets), and 71.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Long track record
A company with a long track record statistically fails less often than a young one.
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
28.6%
Return on assets
1.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-09-2026, 37 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 · 10 filingsDeviation from the deadline
2025
37 d late
2024
23 d late
2023
62 d late
2022
78 d late
2021
25 d early
2020
6 d late
2019
13 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, micro schema
Equity
€22k▲ 5.6%
2024 · €21k
2018: €23k
2019: €20k
2020: €18k
2021: €22k
2022: €23k
2023: €25k
2024: €21k
2018 → 2025
Total assets
€77k▼ 1.7%
2024 · €79k
2018: €42k
2019: €49k
2020: €42k
2021: €65k
2022: €62k
2023: €112k
2024: €79k
2018 → 2025
Net result
€1k
2024 · €-4k
2018: €5k
2019: €-4k
2020: €-1k
2021: €3k
2022: €1k
2023: €2k
2024: €-4k
2018 → 2025
Working capital
€20k▼ 5.0%
2024 · €21k
2018: €23k
2019: €20k
2020: €18k
2021: €22k
2022: €23k
2023: €25k
2024: €21k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€23k▲ 5.1%€25k▲ 10.1%€21k▼ 17.4%€22k▲ 5.6%
Operating result€4k-€1k▼ 67.5%€6k▲ 403%€-4k€1k
Net result€3k-€1k▼ 67.8%€2k▲ 107%€-4k€1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €1k after a loss of €4k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €77k
Fixed assets
€2k
Current assets
€75k
Equity and liabilities €77k
Equity
€22k ▲ 5.6%
Debt
€55k ▼ 4.3%
Debt's share of the balance-sheet total falls from 73.4% to 71.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€2k
Cash flow
€2k
Current ratio
1.36▼
2024 · 1.36
Quick ratio
0.95▲
2024 · 0.86
Debt to equity
2.50▼
2024 · 2.76
ROE
5.3%▲
2024 · -21.1%
ROA
1.5%▲
2024 · -5.6%
Interest coverage
10.42
Debt ≤ 1 year
€55k▼
2024 · €58k
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€79k€77k▼
Fixed assets21/28-€2k
Tangible fixed assets22/27-€2k
Furniture and vehicles24-€2k
Current assets29/58€79k€75k▼
Stocks and contracts in progress3€29k€23k▼
Contracts in progress37€29k€23k▼
Amounts receivable within one year40/41€50k€52k▲
Trade receivables40€15k€21k▲
Other amounts receivable41€34k€31k▼
Cash at bank and in hand54/58€8€680▲
Equity and liabilities
Total equity and liabilities10/49€79k€77k▼
Equity10/15€21k€22k▲
Contributions10/11€19k€19k=
Reserves13€434€434=
Non-distributable reserves130/1€434€434=
Reserves not available under the articles1311€434€434=
Profit (loss) carried forward14€2k€3k▲
Amounts payable17/49€58k€55k▼
Amounts payable within one year42/48€58k€55k▼
Trade debts44€6k€14k▲
Suppliers440/4€5k€14k▲
Bills of exchange payable441€1k-
Taxes, remuneration and social security45€421-
Taxes450/3€421-
Other amounts payable47/48€52k€42k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€743
Other operating charges640/8€111-
Gross operating margin9900€-4k€2k▲
Operating profit (loss)9901€-4k€1k▲
Financial income75/76B€6-
Recurring financial income75€6-
Financial charges65/66B€199€204▲
Recurring financial charges65€199€204▲
Profit (loss) for the period before taxes9903€-4k€1k▲
Profit (loss) for the period9904€-4k€1k▲
Profit (loss) for the period to be appropriated9905€-4k€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€3k▲
Profit (loss) brought forward from the previous period14P€6k€2k▼
The notes to these accounts (6 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
06-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 37 days late
2025
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 23 days late
2024
31-12
Financial
Weakest financial yearnet €-4k ▼291%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
01-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 62 days late
2023
17-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 78 days late
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
06-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 6 days late
2020
13-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 13 days late
2019
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Anderlecht · 1 establishment unit since 2011
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.
Zeemtouwersstraat 43/11070 AnderlechtGround area
347 m²
Building footprint
99 m²
Volume, LiDAR
1,577 m³
Parcel 21304B0150/00R032, Brussels · tallest building 19.4 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
-
since 20112.200.471.229
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21304B0150/00R032 | Brussels | 347 m² | 1 · 98 m² | 19.4 m · 6 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.
Similar companies · same sector, comparable size
ONTWERP & COORDINATIE JEROEN VERREYDT
BE 0474.684.445
Heist-op-den-Berg · Eq €22,128
A&O GROUP
BE 0695.444.765
Heusden-Zolder · Eq €22,103
HI-FIBER CONSTRUCT
BE 1000.417.715
Zutendaal · Eq €22,098
BATI-ROB
BE 0508.768.067
Jette · Eq €22,086
PUR BLANC
BE 0671.608.895
Waregem · Eq €22,085
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,336 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 (pre-2019)
Founded06-06-2011
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.