CDSV
ActiveSummary
CDSV has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €24,468 and a net result of €21,898. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 19% of 16754 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability90▲+11
Solvency44=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity tight (current ratio 1.07 against 1.16 in 2024; short-term debt: 58% and cash: 34.6% of total assets), and 81.4% of the assets are financed with debt.
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Signals
Six 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 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% fewer 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
18.6%
Return on assets
16.7%
Age of the figures
9 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 16754 sector peers (2025).
NBB · sector comparisonPosition among 16754 sector peers
Solvency
better than 19%
← weakest
strongest →
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 02-04-2026, 120 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
120 d early
2024
29 d late
2023
47 d late
2022
31 d late
2021
29 d late
2020
31 d late
2019
34 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 12 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€24,468▼ 42.5%
2024 · €42,570
Total assets
€131,452▼ 39.9%
2024 · €218,573
Net result
€21,898▲ 17.4%
2024 · €18,658
Working capital
€5,611▼ 72.5%
2024 · €20,410
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€20,625▼ 67.9%€21,242▲ 3.0%€30,913▲ 45.5%€26,319▼ 14.9%€31,320▲ 19.0%
Net result€14,133below the sector's middle half▼ 74.6%€14,083below the sector's middle half▼ 0.4%€20,208within the sector's middle half▲ 43.5%€18,658below the sector's middle half▼ 7.7%€21,898within the sector's middle half▲ 17.4%
Equity€68,093within the sector's middle half=€68,093within the sector's middle half=€88,301within the sector's middle half▲ 29.7%€42,570below the sector's middle half▼ 51.8%€24,468below the sector's middle half▼ 42.5%
Total assets€223,658within the sector's middle half▲ 10.2%€222,346within the sector's middle half▼ 0.6%€216,281within the sector's middle half▼ 2.7%€218,573within the sector's middle half▲ 1.1%€131,452within the sector's middle half▼ 39.9%
Debt€155,565▲ 15.4%€154,253▼ 0.8%€127,980▼ 17.0%€176,002▲ 37.5%€106,984▼ 39.2%
Working capital€23,871within the sector's middle half▼ 47.4%€23,211within the sector's middle half▼ 2.8%€58,851within the sector's middle half▲ 154%€20,410within the sector's middle half▼ 65.3%€5,611below the sector's middle half▼ 72.5%
Solvency30.4%below the sector's middle half▼ 3.1pp30.6%below the sector's middle half▲ 0.2pp40.8%within the sector's middle half▲ 10.2pp19.5%below the sector's middle half▼ 21.4pp18.6%below the sector's middle half▼ 0.9pp
Current ratio1.36below the sector's middle half▼ 0.851.28below the sector's middle half▼ 0.081.85within the sector's middle half▲ 0.581.16below the sector's middle half▼ 0.701.07below the sector's middle half▼ 0.08
Return on assets (ROA)6.3%below the sector's middle half▼ 21.1pp6.3%below the sector's middle half=9.3%within the sector's middle half▲ 3.0pp8.5%below the sector's middle half▼ 0.8pp16.7%within the sector's middle half▲ 8.1pp
Staff (FTE)1▲ 42.9%1=1=1=1=
above
within
below
the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 19% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €131,452
Fixed assets
€49,659 ▼ 26.9%
Current assets
€81,793 ▼ 45.7%
Equity and liabilities €131,452
Equity
€24,468 ▼ 42.5%
Debt
€106,984 ▼ 39.2%
Debt's share of the balance-sheet total rises from 80.5% to 81.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€53,102▲
2024 · €52,017
Cash flow
€43,680▼
2024 · €44,356
Debt to equity
4.37▲
2024 · 4.13
ROE
89.5%▲
2024 · 43.8%
Interest coverage
25.75▲
2024 · 20.25
Debt ≤ 1 year
€76,182▼
2024 · €130,229
Debt > 1 year
€30,802▼
2024 · €44,080
Income taxes
€9,210▲
2024 · €8,359
Staff costs
€71,103▼
2024 · €76,843
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,706 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.7%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,706 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €468 | - | - | - |
| Remuneration, social security and pensions62 | €49,261 | €61,964 | €72,064 | €76,843 | €71,103 | ▼ 7.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €23,815 | €27,085 | €26,686 | €25,698 | €21,782 | ▼ 15.2% |
| Other operating charges640/8 | €708 | €476 | €384 | €421 | €400 | ▼ 5.1% |
| Non-recurring operating charges66A | - | €339 | - | - | - | - |
| Gross operating margin9900 | €94,409 | €111,106 | €130,047 | €129,281 | €124,605 | ▼ 3.6% |
| Operating profit (loss)9901 | €20,625 | €21,242 | €30,913 | €26,319 | €31,320 | ▲ 19.0% |
| Financial income75/76B | €1,879 | €2,334 | €1,601 | €3,267 | €1,849 | ▼ 43.4% |
| Recurring financial income75 | €1,879 | €2,334 | €1,601 | €3,267 | €1,849 | ▼ 43.4% |
| Financial charges65/66B | €2,710 | €2,795 | €3,562 | €2,569 | €2,062 | ▼ 19.7% |
| Recurring financial charges65 | €2,710 | €2,795 | €3,562 | €2,569 | €2,062 | ▼ 19.7% |
| Profit (loss) for the period before taxes9903 | €19,794 | €20,781 | €28,952 | €27,017 | €31,108 | ▲ 15.1% |
| Income taxes67/77 | €5,660 | €6,698 | €8,744 | €8,359 | €9,210 | ▲ 10.2% |
| Profit (loss) for the period9904 | €14,133 | €14,083 | €20,208 | €18,658 | €21,898 | ▲ 17.4% |
| Profit (loss) for the period to be appropriated9905 | €14,133 | €14,083 | €20,208 | €18,658 | €21,898 | ▲ 17.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €223,658 | €222,346 | €216,281 | €218,573 | €131,452 | ▼ 39.9% |
| Fixed assets21/28 | €132,772 | €114,783 | €88,569 | €67,934 | €49,659 | ▼ 26.9% |
| Tangible fixed assets22/27 | €132,612 | €114,623 | €88,409 | €67,774 | €49,499 | ▼ 27.0% |
| Land and buildings22 | €43,577 | €36,966 | €30,430 | €24,477 | €18,524 | ▼ 24.3% |
| Plant, machinery and equipment23 | €64,596 | €58,812 | €47,211 | €37,947 | €26,381 | ▼ 30.5% |
| Furniture and vehicles24 | €24,439 | €18,845 | €10,767 | €5,350 | €4,593 | ▼ 14.1% |
| Financial fixed assets28 | €160 | €160 | €160 | €160 | €160 | = |
| Current assets29/58 | €90,886 | €107,563 | €127,712 | €150,639 | €81,793 | ▼ 45.7% |
| Amounts receivable within one year40/41 | €32,719 | €40,361 | €30,366 | €42,372 | €25,517 | ▼ 39.8% |
| Trade receivables40 | - | €10,858 | - | €939 | - | - |
| Other amounts receivable41 | €32,719 | €29,503 | €30,366 | €41,433 | €25,517 | ▼ 38.4% |
| Cash at bank and in hand54/58 | €55,967 | €65,160 | €78,568 | €92,654 | €45,459 | ▼ 50.9% |
| Deferred charges and accrued income490/1 | €2,200 | €2,042 | €18,778 | €15,612 | €10,817 | ▼ 30.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €223,658 | €222,346 | €216,281 | €218,573 | €131,452 | ▼ 39.9% |
| Equity10/15 | €68,093 | €68,093 | €88,301 | €42,570 | €24,468 | ▼ 42.5% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €18,600 | €18,600 | = |
| Reserves13 | €34 | €34 | €34 | €34 | €34 | = |
| Non-distributable reserves130/1 | €34 | €34 | €34 | €34 | €34 | = |
| Reserves not available under the articles1311 | €34 | €34 | €34 | €34 | €34 | = |
| Profit (loss) carried forward14 | €55,659 | €55,659 | €75,867 | €23,937 | €5,835 | ▼ 75.6% |
| Amounts payable17/49 | €155,565 | €154,253 | €127,980 | €176,002 | €106,984 | ▼ 39.2% |
| Amounts payable after more than one year17 | €87,890 | €69,902 | €57,112 | €44,080 | €30,802 | ▼ 30.1% |
| Financial debts170/4 | €87,890 | €69,902 | €57,112 | €44,080 | €30,802 | ▼ 30.1% |
| Amounts payable within one year42/48 | €67,015 | €84,352 | €68,861 | €130,229 | €76,182 | ▼ 41.5% |
| Current portion of amounts payable after more than one year42 | €22,883 | €19,996 | €12,790 | €18,105 | €18,325 | ▲ 1.2% |
| Trade debts44 | €8,400 | €22,738 | €29,332 | €23,737 | €9,982 | ▼ 57.9% |
| Suppliers440/4 | €8,400 | €22,738 | €29,332 | €23,737 | €9,982 | ▼ 57.9% |
| Taxes, remuneration and social security45 | €21,599 | €27,534 | €26,500 | €17,798 | €7,875 | ▼ 55.8% |
| Taxes450/3 | €12,478 | €6,358 | €3,832 | - | - | - |
| Remuneration and social security454/9 | €9,121 | €21,176 | €22,667 | €17,798 | €7,875 | ▼ 55.8% |
| Other amounts payable47/48 | €14,133 | €14,083 | €240 | €70,588 | €40,000 | ▼ 43.3% |
| Accrued charges and deferred income492/3 | €661 | - | €2,007 | €1,693 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14,133 | €14,083 | €20,208 | €18,658 | €21,898 | ▲ 17.4% |
| + Depreciation and write-downs630 | €23,815 | €27,085 | €26,686 | €25,698 | €21,782 | ▼ 15.2% |
| Operating cash flow (approximation) | €37,949 | €41,168 | €46,893 | €44,356 | €43,680 | ▼ 1.5% |
| Investment in fixed assets (approximation) | - | -€9,096 | -€471 | -€5,063 | -€3,507 | ▲ 30.7% |
| Change in cash | - | €9,192 | €13,408 | €14,086 | -€47,195 | ▼ 435% |
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
2026
02-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
16-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 47 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2019net €55,659 ▲165,307%
Operating result €64,177, net result €55,659, both a record.
31-12
Financial
Liquidity times 6current ratio 2.21
Current ratio from 0.34 to 2.21.
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 34 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Chastre · 1 establishment unit since 2018
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.
Rue G. Delvaux 21450 ChastreGround area
643 m²
Building footprint
154 m²
Volume, LiDAR
781 m³
Parcel 25022A0150/00R003, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CDSV
since 20182.279.382.511
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25022A0150/00R003 | Wallonia | 643 m² | 1 · 154 m² | 8.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 6,945 companies in sector 86230 we hold annual accounts for 4,296. 2,361 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded30-07-2018
Fiscal year end31-12
Activities, NACEBEL 2025
86230Dental practice
Contact
E-mail
dentiste.sophie.vellut@gmail.comChastre
Phone
0496795917Chastre
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.
If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.