CAVIARTO
ActiveCAVIARTO has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28k and a net result of €-2k. Equity is growing by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 86% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency100=
Growth52=
Stability94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 8.53 against 8.43 in 2024), and 11.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
88.3%
Return on assets
-7.2%
Age of the figures
15 mo
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 02-01-2026, 29 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
29 d early
2024
29 d early
2023
29 d early
← before the deadline
after the deadline →
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 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€28k▼ 7.5%
2024 · €30k
2023: €23k
2024: €30k
2023 → 2025
Total assets
€32k▼ 7.6%
2024 · €34k
2023: €66k
2024: €34k
2023 → 2025
Net result
€-2k
2024 · €7k
2023: €20k
2024: €7k
2023 → 2025
Working capital
€28k▼ 7.1%
2024 · €30k
2023: €19k
2024: €30k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€23k-€30k▲ 30.6%€28k▼ 7.5%
Operating result€30k-€12k▼ 60.9%€-2k
Net result€20k-€7k▼ 64.9%€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €2k after €12k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €32k
Fixed assets
€68▼ 69.1%
Current assets
€31k▼ 7.2%
Equity and liabilities €32k
Equity
€28k▼ 7.5%
Debt
€4k▼ 8.3%
The debt ratio falls from 11.8% to 11.7%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-2k▼
2024 · €12k
Cash flow
€-2k▼
2024 · €7k
Solvency
88.3%▲
2024 · 88.2%
Current ratio
8.53▲
2024 · 8.43
Quick ratio
8.53▲
2024 · 8.43
Debt / equity
0.13▼
2024 · 0.13
ROE
-8.2%▼
2024 · 23.4%
ROA
-7.2%▼
2024 · 20.6%
Interest coverage
-26.69▼
2024 · 16.51
Debt
€4k▼
2024 · €4k
Debt ≤ 1 year
€4k▼
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€34k€32k▼
Fixed assets21/28€220€68▼
Tangible fixed assets22/27€220€68▼
Furniture and vehicles24€220€68▼
Current assets29/58€34k€31k▼
Amounts receivable within one year40/41€17k€0▼
Trade receivables40€17k€0▼
Other amounts receivable41€405€0▼
Cash at bank and in hand54/58€17k€31k▲
Deferred charges and accrued income490/1€275€0▼
Equity and liabilities
Total equity and liabilities10/49€34k€32k▼
Equity10/15€30k€28k▼
Contributions10/11€3k€3k=
Reserves13€27k€27k=
Distributable reserves133€27k€27k=
Profit (loss) carried forward14€297€-2k▼
Amounts payable17/49€4k€4k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€4k€4k▼
Current portion of amounts payable after more than one year42€0-
Trade debts44€1€1=
Suppliers440/4€1€1=
Taxes, remuneration and social security45€4k€0▼
Taxes450/3€4k€0▼
Other amounts payable47/48€0€4k▲
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61-€0
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€152€152=
Other operating charges640/8€466-
Gross operating margin9900€12k€-2k▼
Operating profit (loss)9901€12k€-2k▼
Financial charges65/66B€723€77▼
Recurring financial charges65€723€77▼
Profit (loss) for the period before taxes9903€11k€-2k▼
Income taxes67/77€4k-
Profit (loss) for the period9904€7k€-2k▼
Profit (loss) for the period to be appropriated9905€7k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€-2k▼
Profit (loss) brought forward from the previous period14P€252€297▲
Transfer to equity691/2€7k-
To other reserves6921€7k-
The notes to these accounts (7 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
02-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €-2k ▼132%
Net result drops to €-2k, the lowest in the series.
02-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Liquidity times 5current ratio 8.43
Current ratio from 1.60 to 8.43; short-term debt falls from €32k to €4k.
02-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Limbourg · 1 establishment unit since 2022
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.
Champ de Wooz 574831 LimbourgGround area
3,801 m²
Building footprint
253 m²
Volume, LiDAR
1,429 m³
Parcel 63009B0263/00N000, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CAVIARTO
since 20222.337.001.796
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63009B0263/00N000 | Wallonia | 3,801 m² | 1 · 253 m² | 7.4 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.
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,386. 33,718 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-10-2022
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70100Activities of head offices
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.