CCLV
ActiveCCLV has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €367k and a net result of €83k. Equity is growing by ~32.2% per year across the filed fiscal years. Its solvency ranks better than 27% of 7983 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-3
Solvency46▼-14
Growth78=
Track record94
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 1.63 against 3.11 in 2024; short-term debt: 21.1% and cash: 10.3% of total assets), but 78.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
21.1%
Return on assets
4.8%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 22-07-2026, 9 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
9 d early
2024
9 d early
2023
7 d early
2022
6 d early
2021
32 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€367k▼ 24.2%
2024 · €484k
2021: €61k
2022: €196k
2023: €383k
2024: €484k
2021 → 2025
Total assets
€1.74M▲ 26.0%
2024 · €1.38M
2021: €727k
2022: €863k
2023: €1.04M
2024: €1.38M
2021 → 2025
Net result
€83k▼ 17.9%
2024 · €101k
2021: €41k
2022: €135k
2023: €186k
2024: €101k
2021 → 2025
Working capital
€233k▼ 36.8%
2024 · €368k
2021: €199k
2022: €203k
2023: €349k
2024: €368k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€61k-€196k▲ 221%€383k▲ 94.8%€484k▲ 26.5%€367k▼ 24.2%
Operating result€55k-€155k▲ 181%€246k▲ 58.5%€141k▼ 42.7%€123k▼ 12.6%
Net result€41k-€135k▲ 229%€186k▲ 37.6%€101k▼ 45.6%€83k▼ 17.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.74M
Fixed assets
€1.14M▲ 36.1%
Current assets
€600k▲ 10.5%
Equity and liabilities €1.74M
Equity
€367k▼ 24.2%
Debt
€1.37M▲ 53.1%
The debt ratio rises from 64.9% to 78.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€167k▼
2024 · €179k
Cash flow
€127k▼
2024 · €140k
Solvency
21.1%▼
2024 · 35.1%
Current ratio
1.63▼
2024 · 3.11
Quick ratio
0.57▲
2024 · 0.51
Debt / equity
3.73▲
2024 · 1.85
ROE
22.6%▲
2024 · 20.9%
ROA
4.8%▼
2024 · 7.3%
Interest coverage
6.41▼
2024 · 8.06
Debt
€1.37M▲
2024 · €894k
Debt ≤ 1 year
€367k▲
2024 · €174k
Debt > 1 year
€1.00M▲
2024 · €720k
Income taxes
€23k▼
2024 · €28k
Staff costs
€670▼
2024 · €71k
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€1.38M€1.74M▲
Fixed assets21/28€835k€1.14M▲
Intangible fixed assets21€3k€1k▼
Tangible fixed assets22/27€832k€1.14M▲
Land and buildings22€779k€1.10M▲
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€50k€37k▼
Current assets29/58€543k€600k▲
Stocks and contracts in progress3€453k€389k▼
Stocks30/36€453k€389k▼
Amounts receivable within one year40/41€13k€5k▼
Trade receivables40€0€270▲
Other amounts receivable41€13k€5k▼
Current investments50/53€4k€25k▲
Cash at bank and in hand54/58€72k€180k▲
Deferred charges and accrued income490/1€735€776▲
Equity and liabilities
Total equity and liabilities10/49€1.38M€1.74M▲
Equity10/15€484k€367k▼
Contributions10/11€20k€20k=
Reserves13€464k€347k▼
Distributable reserves133€464k€347k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€894k€1.37M▲
Amounts payable after more than one year17€720k€1.00M▲
Financial debts170/4€720k€1.00M▲
Amounts payable within one year42/48€174k€367k▲
Current portion of amounts payable after more than one year42€69k€78k▲
Financial debts43-€15k
Credit institutions430/8-€15k
Trade debts44€22k€9k▼
Suppliers440/4€22k€9k▼
Taxes, remuneration and social security45€42k€35k▼
Taxes450/3€42k€35k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€42k€230k▲
Income statement
Code20242025
Remuneration, social security and pensions62€71k€670▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€44k▲
Other operating charges640/8€34k€43k▲
Non-recurring operating charges66A-€6k
Gross operating margin9900€284k€217k▼
Operating profit (loss)9901€141k€123k▼
Financial income75/76B€11k€9k▼
Recurring financial income75€11k€9k▼
Financial charges65/66B€22k€26k▲
Recurring financial charges65€22k€26k▲
Profit (loss) for the period before taxes9903€130k€106k▼
Income taxes67/77€28k€23k▼
Profit (loss) for the period9904€101k€83k▼
Profit (loss) for the period to be appropriated9905€101k€83k▼
Appropriation of the result
Profit (loss) to be appropriated9906€101k€83k▼
Transfer from equity791/2-€117k
Transfer to equity691/2€101k€0▼
To other reserves6921€101k€0▼
Profit to be distributed694/7-€200k
Return on contributions (dividend)694-€200k
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (24 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €186k ▲37.6%
Operating result €246k, net result €186k, both a record.
31-12
Financial
Equity above €200kEq €383k ▲94.8%
3 profitable years in a row build equity to €383k.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €196k ▲221%
2 profitable years in a row build equity to €196k.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Berlare · 1 establishment unit since 2020
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.
Dendermondse Steenweg(O) 539290 BerlareGround area
841 m²
Building footprint
295 m²
Volume, LiDAR
437 m³
Parcel 42017B0348/00X000, Flanders · tallest building 7.7 m. Linked by address, not a title deed.
1 establishment unit
CC-Rails
since 20202.311.391.620
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42017B0348/00X000 | Flanders | 841 m² | 1 · 295 m² | 7.7 m |
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
2024 · 1 entry · 296 EUR awarded · 237 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 296 EUR | 237 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,507 companies in sector 46649 we hold annual accounts for 1,760. 1,385 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-12-2020
Fiscal year end31-12
Activities, NACEBEL
46649Wholesale of other machinery and equipment
47640Retail sale of games and toys
47650Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.