CAVALO
ActiveSummary
CAVALO has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.02M and a net result of €-38k. Equity is shrinking by ~4.8% per year across the filed fiscal years. Its solvency ranks better than 92% of 1046 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability15▼-60
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 7.41 against 8.4 in 2024; short-term debt: 13.4% and cash: 14.7% of total assets), and 13.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
3 d late
2023
9 d early
2022
55 d early
2021
39 d early
2020
59 d early
2019
42 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.02M▼ 3.6%
2024 · €1.06M
2019: €1.38M
2020: €1.22M
2021: €1.13M
2022: €967k
2023: €1.00M
2024: €1.06M
2019 → 2025
Total assets
€1.18M▼ 1.8%
2024 · €1.20M
2019: €1.46M
2020: €1.34M
2021: €1.26M
2022: €1.13M
2023: €1.18M
2024: €1.20M
2019 → 2025
Net result
€-38k
2024 · €56k
2019: €-54k
2020: €-159k
2021: €-87k
2022: €-164k
2023: €38k
2024: €56k
2019 → 2025
Working capital
€1.02M▼ 3.5%
2024 · €1.05M
2019: €1.25M
2020: €1.19M
2021: €1.12M
2022: €961k
2023: €1,000k
2024: €1.05M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.13M-€967k▼ 14.5%€1.00M▲ 3.9%€1.06M▲ 5.5%€1.02M▼ 3.6%
Operating result€39k-€-93k€23k€47k▲ 105%€-32k
Net result€-87k-€-164k▼ 87.6%€38k€56k▲ 46.8%€-38k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €32k after €47k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.18M
Fixed assets
€4k ▼ 22.5%
Current assets
€1.18M ▼ 1.8%
Equity and liabilities €1.18M
Equity
€1.02M ▼ 3.6%
Debt
€159k ▲ 11.2%
Debt's share of the balance-sheet total rises from 11.9% to 13.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-31k▼
2024 · €48k
Cash flow
€-37k▼
2024 · €57k
Current ratio
7.41▼
2024 · 8.40
Debt to equity
0.16▲
2024 · 0.13
ROE
-3.7%▼
2024 · 5.2%
ROA
-3.2%▼
2024 · 4.6%
Interest coverage
-166.81▼
2024 · 277.64
Debt ≤ 1 year
€159k▲
2024 · €143k
Income taxes
€25k▲
2024 · €8k
Staff costs
€2.28M▲
2024 · €2.17M
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.20M€1.18M▼
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€5k€4k▼
Land and buildings22€0-
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€1k€623▼
Current assets29/58€1.20M€1.18M▼
Amounts receivable after more than one year29€255k€243k▼
Other amounts receivable291€255k€243k▼
Amounts receivable within one year40/41€369k€509k▲
Trade receivables40€114k€239k▲
Other amounts receivable41€255k€270k▲
Current investments50/53€380k€250k▼
Cash at bank and in hand54/58€193k€174k▼
Equity and liabilities
Total equity and liabilities10/49€1.20M€1.18M▼
Equity10/15€1.06M€1.02M▼
Contributions10/11€20k€20k=
Reserves13€1.04M€1.04M=
Tax-exempt reserves132€93k€93k=
Distributable reserves133€947k€947k=
Profit (loss) carried forward14-€-38k
Amounts payable17/49€143k€159k▲
Amounts payable within one year42/48€143k€159k▲
Trade debts44€12k€12k▲
Suppliers440/4€12k€12k▲
Taxes, remuneration and social security45€131k€146k▲
Taxes450/3€11k€11k=
Remuneration and social security454/9€120k€135k▲
Other amounts payable47/48€0-
Income statement
Code20242025
Remuneration, social security and pensions62€2.17M€2.28M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€118€6k▲
Non-recurring operating charges66A€3k€2k▼
Gross operating margin9900€2.22M€2.26M▲
Operating profit (loss)9901€47k€-32k▼
Financial income75/76B€17k€19k▲
Recurring financial income75€17k€19k▲
Financial charges65/66B€172€188▲
Recurring financial charges65€172€188▲
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€63k€-13k▼
Income taxes67/77€8k€25k▲
Profit (loss) for the period9904€56k€-38k▼
Profit (loss) for the period to be appropriated9905€56k€-38k▼
Appropriation of the result
Profit (loss) to be appropriated9906€56k€-38k▼
Transfer to equity691/2€56k€0▼
To other reserves6921€56k€0▼
Social balance
Average headcount (FTE)908757.50.0▼
The notes to these accounts (11 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
03-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 3 days late
2024
30-06
Financial
Highest result since 2019net €56k ▲46.8%
Operating result €47k, net result €56k, both a record.
22-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Back to profitnet €38k
Net result €38k after 4 loss-making years.
30-06
Financial
Equity above €1MEq €1.00M ▲3.9%
Equity rises from €967k to €1.00M.
2022
07-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
30-06
Financial
Weakest financial yearnet €-164k
Net result drops to €-164k, the lowest in the series; recovery starts the following year.
2021
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
03-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
20-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
09-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
16-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Geel · 1 establishment unit since 2003
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.
Doornboomstraat 592440 GeelGround area
209 m²
Building footprint
209 m²
Volume, LiDAR
1,124 m³
Parcel 13373L0401/00S000, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CAVALO BVBA
since 20032.127.177.336
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13373L0401/00S000 | Flanders | 209 m² | 1 · 209 m² | 7.6 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 14 entries · 6,129,635 EUR awarded · 6,129,634 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 4 | 1,669,654 EUR | 1,669,731 EUR |
| 2024 | 3 | 1,675,487 EUR | 1,675,648 EUR |
| 2023 | 4 | 1,552,891 EUR | 1,554,843 EUR |
| 2022 | 3 | 1,231,603 EUR | 1,229,412 EUR |
Schemes
Dienstencheques
Opleidingsfonds dienstencheques
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions: source did not answer, try again later.
Similar companies · same sector, comparable size
AT YOUR SERVICES
BE 0889.203.453
Elsene · Eq €1.02M
BUTTERFLY CLEAN
BE 0842.719.964
Sint-Lambrechts-Woluwe · Eq €1.00M
Les Coups de Pouce Fleurusiens
BE 0880.797.117
Fleurus · Eq €1.04M
LA BUANDERIE
BE 0892.328.437
Verviers · Eq €980k
LES P'TITES FEES BLEUES
BE 0884.224.680
Sint-Pieters-Woluwe · Eq €978k
Of 810 companies in sector 96910 we hold annual accounts for 618. 313 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
Founded11-03-2003
Fiscal year end30-06
Activities, NACEBEL 2025
81210General cleaning of buildings
96102Launderettes and laundries for private customers
96910Personal service activities
78100Employment placement agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.