CAVICA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €166k and a net result of €61k. Equity is growing by ~57.1% per year across the filed fiscal years. Its solvency ranks better than 70% of 8018 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
2 d early
2024
23 d early
2023
69 d early
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€166k▲ 58.6%
2024 · €104k
2023: €46k
2024: €104k
2023 → 2025
Net result
€61k▲ 5.6%
2024 · €58k
2023: €45k
2024: €58k
2023 → 2025
Total assets
€227k▲ 34.6%
2024 · €168k
2023: €122k
2024: €168k
2023 → 2025
Solvency
73.0%▲ 11.1pp
2024 · 62.0%
2023: 38.1%
2024: 62.0%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€46k-€104k▲ 125%€166k▲ 58.6%
Operating result€59k-€75k▲ 27.5%€78k▲ 4.0%
Net result€45k-€58k▲ 27.5%€61k▲ 5.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 4% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €227k
Fixed assets
€49k▼ 24.3%
Current assets
€178k▲ 71.1%
Equity and liabilities €227k
Equity
€166k▲ 58.6%
Debt
€61k▼ 4.5%
The debt ratio falls from 38.0% to 27.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
73.0%▲
2024 · 62.0%
ROE
37.0%▼
2024 · 55.5%
ROA
27.0%▼
2024 · 34.4%
Debt
€61k▼
2024 · €64k
Debt ≤ 1 year
€47k▲
2024 · €37k
Debt > 1 year
€14k▼
2024 · €27k
Income taxes
€17k▲
2024 · €16k
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€168k€227k▲
Fixed assets21/28€64k€49k▼
Tangible fixed assets22/27€64k€49k▼
Furniture and vehicles24€42k€29k▼
Other tangible fixed assets26€22k€20k▼
Current assets29/58€104k€178k▲
Amounts receivable within one year40/41€29k€24k▼
Trade receivables40€28k€22k▼
Other amounts receivable41€589€2k▲
Current investments50/53€50k€113k▲
Cash at bank and in hand54/58€22k€40k▲
Deferred charges and accrued income490/1€3k€300▼
Equity and liabilities
Total equity and liabilities10/49€168k€227k▲
Equity10/15€104k€166k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€103k€165k▲
Amounts payable17/49€64k€61k▼
Amounts payable after more than one year17€27k€14k▼
Financial debts170/4€27k€14k▼
Amounts payable within one year42/48€37k€47k▲
Current portion of amounts payable after more than one year42€13k€13k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€22k€31k▲
Taxes450/3€22k€31k▲
Accrued charges and deferred income492/3€64€137▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€17k▲
Other operating charges640/8€277€528▲
Gross operating margin9900€93k€96k▲
Operating profit (loss)9901€75k€78k▲
Financial income75/76B€324€699▲
Recurring financial income75€324€699▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€74k€78k▲
Income taxes67/77€16k€17k▲
Profit (loss) for the period9904€58k€61k▲
Profit (loss) for the period to be appropriated9905€58k€61k▲
Appropriation of the result
Profit (loss) to be appropriated9906€103k€165k▲
Profit (loss) brought forward from the previous period14P€45k€103k▲
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €61k ▲5.6%
Operating result €78k, net result €61k, both a record.
31-12
Financial
Equity above €150kEq €166k ▲58.6%
3 profitable years in a row build equity to €166k.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 2.81
Current ratio from 1.32 to 2.81.
31-12
Financial
Equity above €100kEq €104k ▲125%
2 profitable years in a row build equity to €104k.
23-05
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
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, Brugge · 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.
Kooidreef 3A8200 BruggeGround area
2,294 m²
Building footprint
277 m²
Volume, LiDAR
5,357 m³
Parcel 31030A0645/00S000, Flanders · tallest building 25.4 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
CAVICA
since 20222.338.271.706
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31030A0645/00S000 | Flanders | 2,294 m² | 1 · 277 m² | 25.4 m · 7 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 2024 · 3 entries · 2,301 EUR awarded · 2,282 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,242 EUR | 1,242 EUR |
| 2023 | 1 | 384 EUR | 365 EUR |
| 2022 | 1 | 675 EUR | 675 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,387 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-11-2022
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.