CCV LAB
ActiveCCV LAB has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.98M and a net result of €233k. Equity is shrinking by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 73% of 1413 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66=
Solvency86▲+2
Growth41▲+1
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €170k at 30 days acceptable
Liquidity ample (current ratio 2.43 against 2.28 in 2024; short-term debt: 37.3% and cash: 54.5% of total assets), and 39.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
60.9%
Return on assets
7.2%
Age of the figures
9 mo
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
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €1.98M
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
3 d early
2023
13 d late
2022
28 d late
2021
18 d early
2020
30 d early
2019
31 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, full schema
Turnover
€8.99M▲ 10.9%
2024 · €8.11M
2018: €5.49M
2019: €5.64M
2020: €5.41M
2021: €6.34M
2022: €6.31M
2023: €7.80M
2024: €8.11M
2018 → 2025
EBIT margin
4.9%▲ 0.9pp
2024 · 4.0%
2018: 26.9%
2019: 17.2%
2020: 15.8%
2021: 13.7%
2022: 3.5%
2023: 9.2%
2024: 4.0%
2018 → 2025
Net result
€233k▼ 0.8%
2024 · €235k
2018: €975k
2019: €634k
2020: €574k
2021: €587k
2022: €133k
2023: €545k
2024: €235k
2018 → 2025
Working capital
€1.74M▲ 19.0%
2024 · €1.46M
2018: €2.86M
2019: €3.42M
2020: €4.01M
2021: €4.66M
2022: €4.70M
2023: €1.20M
2024: €1.46M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€6.34M-€6.31M▼ 0.5%€7.80M▲ 23.5%€8.11M▲ 4.0%€8.99M▲ 10.9%
Equity€4.95M-€4.97M▲ 0.5%€1.51M▼ 69.6%€1.75M▲ 15.5%€1.98M▲ 13.3%
Operating result€869k-€223k▼ 74.3%€718k▲ 222%€325k▼ 54.7%€438k▲ 34.7%
Net result€587k-€133k▼ 77.4%€545k▲ 311%€235k▼ 56.9%€233k▼ 0.8%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 35% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.25M
Fixed assets
€300k▼ 13.6%
Current assets
€2.95M▲ 13.5%
Equity and liabilities €3.25M
Equity
€1.98M▲ 13.3%
Debt
€1.27M▲ 5.9%
The debt ratio falls from 40.7% to 39.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€529k▲
2024 · €412k
Cash flow
€324k▲
2024 · €321k
Solvency
60.9%▲
2024 · 59.3%
Current ratio
2.43▲
2024 · 2.28
Quick ratio
2.43▲
2024 · 2.28
Debt / equity
0.64▼
2024 · 0.69
ROE
11.8%▼
2024 · 13.4%
ROA
7.2%▼
2024 · 8.0%
Interest coverage
7.17▲
2024 · 6.20
Debt
€1.27M▲
2024 · €1.20M
Debt ≤ 1 year
€1.21M▲
2024 · €1.14M
Income taxes
€130k▲
2024 · €120k
Staff costs
€5.19M▲
2024 · €4.49M
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€2.95M€3.25M▲
Fixed assets21/28€347k€300k▼
Tangible fixed assets22/27€227k€179k▼
Plant, machinery and equipment23€88k€58k▼
Furniture and vehicles24€13k€9k▼
Other tangible fixed assets26€125k€112k▼
Financial fixed assets28€120k€121k▲
Other financial fixed assets284/8€120k€121k▲
Amounts receivable and cash guarantees285/8€120k€121k▲
Current assets29/58€2.60M€2.95M▲
Amounts receivable within one year40/41€1.84M€982k▼
Trade receivables40€1.59M€821k▼
Other amounts receivable41€253k€162k▼
Cash at bank and in hand54/58€632k€1.77M▲
Deferred charges and accrued income490/1€129k€197k▲
Equity and liabilities
Total equity and liabilities10/49€2.95M€3.25M▲
Equity10/15€1.75M€1.98M▲
Contributions10/11€20k€20k=
Reserves13€335k€335k=
Non-distributable reserves130/1€178k€178k=
Reserves not available under the articles1311€2k€2k=
Other1319€176k€176k=
Tax-exempt reserves132€126€126=
Distributable reserves133€157k€157k=
Profit (loss) carried forward14€1.39M€1.63M▲
Amounts payable17/49€1.20M€1.27M▲
Amounts payable within one year42/48€1.14M€1.21M▲
Trade debts44€337k€378k▲
Suppliers440/4€337k€378k▲
Taxes, remuneration and social security45€493k€556k▲
Taxes450/3€329-
Remuneration and social security454/9€493k€556k▲
Other amounts payable47/48€308k€278k▼
Accrued charges and deferred income492/3€62k€59k▼
Income statement
Code20242025
Operating income70/76A€8.27M€9.24M▲
Turnover70€8.11M€8.99M▲
Other operating income74€162k€240k▲
Non-recurring operating income76A€497€2k▲
Operating charges60/66A€7.95M€8.80M▲
Goods for resale, raw materials and consumables60€91k€121k▲
Purchases600/8€91k€121k▲
Services and other goods61€3.27M€3.37M▲
Remuneration, social security and pensions62€4.49M€5.19M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€86k€91k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€4k€18k▲
Other operating charges640/8€3k€4k▲
Operating profit (loss)9901€325k€438k▲
Financial income75/76B€99k€697▼
Recurring financial income75€99k€697▼
Income from current assets751€99k€380▼
Other financial income752/9€468€317▼
Financial charges65/66B€69k€76k▲
Recurring financial charges65€69k€76k▲
Debt charges650€66k€74k▲
Other financial charges652/9€3k€2k▼
Profit (loss) for the period before taxes9903€355k€363k▲
Income taxes67/77€120k€130k▲
Taxes670/3€120k€130k▲
Profit (loss) for the period9904€235k€233k▼
Profit (loss) for the period to be appropriated9905€235k€233k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.39M€1.63M▲
Profit (loss) brought forward from the previous period14P€1.16M€1.39M▲
Social balance
Average headcount (FTE)908751.257.0▲
The notes to these accounts (46 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 13 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 28 days late
2022
31-12
Financial
Weakest financial yearnet €133k ▼77.4%
Net result drops to €133k, the lowest in the series; recovery starts the following year.
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
29-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
29-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 60 days late
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
12 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, Kortrijk · 2 establishment units since 2009
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.
Spinnerijstraat(Kor) 998500 KortrijkGround area
3.0 ha
Building footprint
6,058 m²
Volume, LiDAR
72,012 m³
2 parcels, Flanders · tallest building 24.3 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
CCV Lab Hasselt
since 20092.182.517.618
CCV Lab Kortrijk
since 20092.182.517.024
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34353B0282/00N000 | Flanders | 2.4 ha | 1 · 3,456 m² | 24.2 m · 5 fl. |
| 71322A0393/00P000 | Flanders | 6,239 m² | 1 · 2,602 m² | 12.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 · 104,062 EUR awarded · 104,321 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 4 | 35,783 EUR | 35,783 EUR |
| 2024 | 5 | 26,727 EUR | 27,627 EUR |
| 2023 | 3 | 21,900 EUR | 27,913 EUR |
| 2022 | 2 | 19,652 EUR | 12,998 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Individueel Maatwerk
Subsidies ter ondersteuning van de professionele integratie van personen met een arbeidsbeperking
Vlaams opleidingsverlof (VOV)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Show 1 more
Werkbaarheidscheque (stopgezet)
Recognitions · licences · registrations
Legal Entity Identifier
89450055DWS4KBRKAZ72
Similar companies · same sector, comparable size
BARQ EUROPE
BE 0753.793.433
Dilbeek · Eq €1.98M
Refleqt
BE 0676.714.065
Kontich · Eq €1.99M
Suivo
BE 0820.531.116
Edegem · Eq €1.97M
4infinity
BE 0863.563.383
Geel · Eq €1.97M
MatchID
BE 0563.512.491
Gent · Eq €1.97M
Of 16,887 companies in sector 62100 we hold annual accounts for 8,777. 2,697 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-09-2004
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
72220
58290Other software publishing
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
72210
Sources
Crossroads Bank for EnterprisesNational Bank · 21 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.