CAVAMIL
ActiveSummary
CAVAMIL has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4.02M and a net result of €265k. Equity is growing by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 90% of 10407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability76▲+3
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €360k at 30 days acceptable
Liquidity ample (current ratio 4.34 against 4.38 in 2024; short-term debt: 17.5% and cash: 43.5% of total assets), and 17.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
82.4%
Return on assets
5.4%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
6 d early
2023
4 d early
2022
5 d early
2021
2 d early
2020
3 d early
2019
31 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 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close25-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€4.02M▲ 6.1%
2024 · €3.79M
2019: €2.86Mlowest in 7 years
2020: €3.07M▲ +7.5% vs 2019
2021: €3.37M▲ +9.8% vs 2020
2022: €3.52M▲ +4.5% vs 2021
2023: €3.65M▲ +3.8% vs 2022
2024: €3.79M▲ +3.7% vs 2023
2025: €4.02M▲ +6.1% vs 2024highest in 7 years
2019 → 2025
Total assets
€4.88M▲ 6.9%
2024 · €4.56M
2019: €3.83Mlowest in 7 years
2020: €4.19M▲ +9.2% vs 2019
2021: €4.39M▲ +4.9% vs 2020
2022: €4.36M▼ -0.7% vs 2021
2023: €4.53M▲ +3.8% vs 2022
2024: €4.56M▲ +0.8% vs 2023
2025: €4.88M▲ +6.9% vs 2024highest in 7 years
2019 → 2025
Net result
€265k▲ 66.2%
2024 · €159k
2019: €216k
2020: €220k▲ +1.5% vs 2019
2021: €341k▲ +55.3% vs 2020highest in 7 years
2022: €163k▼ -52.1% vs 2021
2023: €162k▼ -1.0% vs 2022
2024: €159k▼ -1.4% vs 2023lowest in 7 years
2025: €265k▲ +66.2% vs 2024
2019 → 2025
Working capital
€2.85M▲ 10.8%
2024 · €2.57M
2019: €1.35Mlowest in 7 years
2020: €1.66M▲ +23.0% vs 2019
2021: €1.87M▲ +12.6% vs 2020
2022: €2.02M▲ +8.4% vs 2021
2023: €2.28M▲ +12.8% vs 2022
2024: €2.57M▲ +12.7% vs 2023
2025: €2.85M▲ +10.8% vs 2024highest in 7 years
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.37M-€3.52M▲ 4.5%€3.65M▲ 3.8%€3.79M▲ 3.7%€4.02M▲ 6.1%
2021: €3.37Mlowest in 5 years
2022: €3.52M▲ +4.5% vs 2021
2023: €3.65M▲ +3.8% vs 2022
2024: €3.79M▲ +3.7% vs 2023
2025: €4.02M▲ +6.1% vs 2024highest in 5 years
Operating result€509k-€257k▼ 49.5%€248k▼ 3.6%€201k▼ 18.9%€237k▲ 17.8%
2021: €509khighest in 5 years
2022: €257k▼ -49.5% vs 2021
2023: €248k▼ -3.6% vs 2022
2024: €201k▼ -18.9% vs 2023lowest in 5 years
2025: €237k▲ +17.8% vs 2024
Net result€341k-€163k▼ 52.1%€162k▼ 1.0%€159k▼ 1.4%€265k▲ 66.2%
2021: €341khighest in 5 years
2022: €163k▼ -52.1% vs 2021
2023: €162k▼ -1.0% vs 2022
2024: €159k▼ -1.4% vs 2023lowest in 5 years
2025: €265k▲ +66.2% vs 2024
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 18% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.88M
Fixed assets
€1.17M ▼ 4.6%
Current assets
€3.70M ▲ 11.1%
Equity and liabilities €4.88M
Equity
€4.02M ▲ 6.1%
Debt
€856k ▲ 10.7%
Debt's share of the balance-sheet total rises from 17.0% to 17.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€472k▲
2024 · €407k
Cash flow
€500k▲
2024 · €366k
Current ratio
4.34▼
2024 · 4.38
Quick ratio
3.78▼
2024 · 3.80
Debt to equity
0.21▲
2024 · 0.20
ROE
6.6%▲
2024 · 4.2%
ROA
5.4%▲
2024 · 3.5%
Interest coverage
17.53▲
2024 · 14.42
Debt ≤ 1 year
€854k▲
2024 · €761k
Income taxes
€62k▼
2024 · €80k
Staff costs
€956k▲
2024 · €898k
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 · 59 lines
Balance sheet
Code20242025
Assets
Total assets20/58€4.56M€4.88M▲
Fixed assets21/28€1.23M€1.17M▼
Tangible fixed assets22/27€1.23M€1.17M▼
Land and buildings22€776k€829k▲
Plant, machinery and equipment23€377k€275k▼
Furniture and vehicles24€79k€71k▼
Current assets29/58€3.33M€3.70M▲
Stocks and contracts in progress3€436k€477k▲
Stocks30/36€436k€477k▲
Amounts receivable within one year40/41€141k€37k▼
Trade receivables40€119k€23k▼
Other amounts receivable41€22k€15k▼
Current investments50/53€1.02M€1.05M▲
Cash at bank and in hand54/58€1.72M€2.12M▲
Deferred charges and accrued income490/1€15k€15k▼
Equity and liabilities
Total equity and liabilities10/49€4.56M€4.88M▲
Equity10/15€3.79M€4.02M▲
Contributions10/11€99k€99k=
Capital10€99k€99k=
Issued capital100€99k€99k=
Reserves13€3.68M€3.91M▲
Non-distributable reserves130/1€10k€10k=
Legal reserve130€10k€10k=
Tax-exempt reserves132€215k-
Distributable reserves133€3.46M€3.90M▲
Profit (loss) carried forward14€7k€7k=
Amounts payable17/49€774k€856k▲
Amounts payable within one year42/48€761k€854k▲
Trade debts44€435k€557k▲
Suppliers440/4€435k€557k▲
Taxes, remuneration and social security45€181k€180k▼
Taxes450/3€35k€52k▲
Remuneration and social security454/9€146k€128k▼
Other amounts payable47/48€145k€116k▼
Accrued charges and deferred income492/3€13k€3k▼
Income statement
Code20242025
Non-recurring operating income76A€6k-
Remuneration, social security and pensions62€898k€956k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€207k€235k▲
Other operating charges640/8€42k€41k▼
Non-recurring operating charges66A€43k-
Gross operating margin9900€1.39M€1.47M▲
Operating profit (loss)9901€201k€237k▲
Financial income75/76B€67k€117k▲
Recurring financial income75€67k€117k▲
Financial charges65/66B€28k€27k▼
Recurring financial charges65€28k€27k▼
Profit (loss) for the period before taxes9903€239k€327k▲
Income taxes67/77€80k€62k▼
Profit (loss) for the period9904€159k€265k▲
Transfer from tax-exempt reserves789€89k€215k▲
Profit (loss) for the period to be appropriated9905€248k€480k▲
Appropriation of the result
Profit (loss) to be appropriated9906€255k€487k▲
Profit (loss) brought forward from the previous period14P€7k€7k=
Transfer from equity791/2€25k€34k▲
Transfer to equity691/2€248k€480k▲
To other reserves6921€248k€480k▲
Profit to be distributed694/7€25k€34k▲
Return on contributions (dividend)694€25k€34k▲
Social balance
Average headcount (FTE)908721.321.9▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €10k | €6k | - | - |
| Remuneration, social security and pensions62 | - | €742k | €890k | €898k | €956k | ▲ 6.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €192k | €219k | €227k | €207k | €235k | ▲ 13.9% |
| Other operating charges640/8 | - | €36k | €35k | €42k | €41k | ▼ 2.3% |
| Non-recurring operating charges66A | - | - | - | €43k | - | - |
| Gross operating margin9900 | €1.50M | €1.25M | €1.40M | €1.39M | €1.47M | ▲ 5.7% |
| Operating profit (loss)9901 | €509k | €257k | €248k | €201k | €237k | ▲ 17.8% |
| Financial income75/76B | - | €9k | €33k | €67k | €117k | ▲ 75.1% |
| Recurring financial income75 | €8k | €9k | €33k | €67k | €117k | ▲ 75.1% |
| Financial charges65/66B | - | €23k | €45k | €28k | €27k | ▼ 4.8% |
| Recurring financial charges65 | €22k | €23k | €45k | €28k | €27k | ▼ 4.8% |
| Profit (loss) for the period before taxes9903 | €496k | €243k | €235k | €239k | €327k | ▲ 36.5% |
| Income taxes67/77 | €155k | €80k | €74k | €80k | €62k | ▼ 22.7% |
| Profit (loss) for the period9904 | €341k | €163k | €162k | €159k | €265k | ▲ 66.2% |
| Transfer from tax-exempt reserves789 | - | €124k | - | €89k | €215k | ▲ 142% |
| Profit (loss) for the period to be appropriated9905 | €317k | €287k | €162k | €248k | €480k | ▲ 93.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €4.39M | €4.36M | €4.53M | €4.56M | €4.88M | ▲ 6.9% |
| Fixed assets21/28 | €1.53M | €1.51M | €1.37M | €1.23M | €1.17M | ▼ 4.6% |
| Tangible fixed assets22/27 | €1.53M | €1.51M | €1.37M | €1.23M | €1.17M | ▼ 4.6% |
| Land and buildings22 | - | €871k | €792k | €776k | €829k | ▲ 6.9% |
| Plant, machinery and equipment23 | - | €563k | €475k | €377k | €275k | ▼ 27.0% |
| Furniture and vehicles24 | - | €72k | €106k | €79k | €71k | ▼ 10.7% |
| Current assets29/58 | €2.87M | €2.85M | €3.15M | €3.33M | €3.70M | ▲ 11.1% |
| Stocks and contracts in progress3 | €366k | €406k | €471k | €436k | €477k | ▲ 9.3% |
| Stocks30/36 | - | €406k | €471k | €436k | €477k | ▲ 9.3% |
| Amounts receivable within one year40/41 | €27k | €60k | €91k | €141k | €37k | ▼ 73.6% |
| Trade receivables40 | - | €20k | €30k | €119k | €23k | ▼ 80.9% |
| Other amounts receivable41 | - | €40k | €61k | €22k | €15k | ▼ 34.5% |
| Current investments50/53 | - | €731k | €978k | €1.02M | €1.05M | ▲ 3.1% |
| Cash at bank and in hand54/58 | €2.46M | €1.63M | €1.59M | €1.72M | €2.12M | ▲ 23.4% |
| Deferred charges and accrued income490/1 | - | €27k | €19k | €15k | €15k | ▼ 0.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €4.39M | €4.36M | €4.53M | €4.56M | €4.88M | ▲ 6.9% |
| Equity10/15 | €3.37M | €3.52M | €3.65M | €3.79M | €4.02M | ▲ 6.1% |
| Contributions10/11 | €99k | €99k | €99k | €99k | €99k | = |
| Capital10 | - | €99k | €99k | €99k | €99k | = |
| Issued capital100 | - | €99k | €99k | €99k | €99k | = |
| Reserves13 | €3.26M | €3.41M | €3.55M | €3.68M | €3.91M | ▲ 6.3% |
| Non-distributable reserves130/1 | - | €10k | €10k | €10k | €10k | = |
| Legal reserve130 | - | €10k | €10k | €10k | €10k | = |
| Tax-exempt reserves132 | - | €304k | €304k | €215k | - | - |
| Distributable reserves133 | - | €3.10M | €3.23M | €3.46M | €3.90M | ▲ 12.9% |
| Profit (loss) carried forward14 | €7k | €7k | €7k | €7k | €7k | = |
| Amounts payable17/49 | €1.02M | €841k | €873k | €774k | €856k | ▲ 10.7% |
| Amounts payable within one year42/48 | €999k | €831k | €873k | €761k | €854k | ▲ 12.2% |
| Current portion of amounts payable after more than one year42 | - | €41k | - | - | - | - |
| Trade debts44 | €514k | €453k | €502k | €435k | €557k | ▲ 28.2% |
| Suppliers440/4 | - | €453k | €502k | €435k | €557k | ▲ 28.2% |
| Taxes, remuneration and social security45 | - | €148k | €200k | €181k | €180k | ▼ 0.4% |
| Taxes450/3 | - | €33k | €58k | €35k | €52k | ▲ 50.5% |
| Remuneration and social security454/9 | - | €116k | €141k | €146k | €128k | ▼ 12.4% |
| Other amounts payable47/48 | - | €189k | €172k | €145k | €116k | ▼ 20.2% |
| Accrued charges and deferred income492/3 | - | €10k | - | €13k | €3k | ▼ 77.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €341k | €163k | €162k | €159k | €265k | ▲ 66.2% |
| + Depreciation and write-downs630 | €192k | €219k | €227k | €207k | €235k | ▲ 13.9% |
| Operating cash flow (approximation) | €533k | €382k | €389k | €366k | €500k | ▲ 36.7% |
| Investment in fixed assets (approximation) | - | €-200k | €-95k | €-64k | €-178k | ▼ 177% |
| Change in cash | - | €-828k | €-36k | €126k | €402k | ▲ 218% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
25-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Weakest financial yearnet €159k ▼1.4%
Net result drops to €159k, the lowest in the series; recovery starts the following year.
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
26-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Highest result since 2019net €341k ▲55.3%
Operating result €509k, net result €341k, both a record.
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
27-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
29-09
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.
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, Zoutleeuw · 1 establishment unit since 1984
Ground area
5,670 m²
Building footprint
1,945 m²
Volume, LiDAR
8,783 m³
2 parcels, Flanders · tallest building 11.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Sint-Truidensesteenweg 3 A, 3440 Zoutleeuw
since 19842.025.716.029
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24130A0028/00T006 | Flanders | 5,377 m² | 1 · 1,813 m² | 11.6 m · 2 fl. |
| 24130A0028/00R006 | Flanders | 292 m² | 1 · 132 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyZoutleeuw2.025.716.029
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Of 10,510 companies in sector 47110 we hold annual accounts for 5,851. 933 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded19-10-1984
Fiscal year end31-03
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
Scores and ratios are computed by Checked and are not a credit decision.