Financials
- Fiscal year
- 2025
- Total assets
- €201,339
- Loss
- -€15,175
- Solvency
- 92.7%
Total assets▼ 10.1%
Net result
20222025
Ciro-Home
ActiveSummary
Ciro-Home has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €186,554 and a net result of -€15,175. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 94% of 8741 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Overview
What they do
Wholesale of electrical household appliances and audio-video equipment
NACE 46431
1 site
How big
€201,339total assets 2025
- Equity
- €186,554
- Loss
- -€15,175
Turnover not published (abridged schema)
Who decides
- Largest shareholder
- VIVA COMPANY · 25%
Accounts 15 d early0 of 2 deeds read
Why 66- Founded in 2021- Size: total assets €201,339- Liquidity: current ratio 13.62, cash €3,758, halved+ Figures for FY 2025 (filed 16-07-2026)Show the evidence
Checked score
Score 2025
66
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 49% of its sector peers (NACE 46, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Average
Solvency
100=
equity 92.7% of total assets
Liquidity
52-6
short-term debt 7.3% · cash 1.9%
Profitability
19-26
return on assets -7.5%
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 3 months
08-2026: 1.1%highest value
09-2026: 1.1%● 0.0% vs 08-2026highest value
10-2026: 1.1%▼ -1.7% vs 09-2026lowest value
- Founded in 2021 raises the probability for this profile
- Figures for FY 2025 (filed 16-07-2026) lowers the probability
- Size: total assets €201,339 raises the probability for this profile
- Liquidity: current ratio 13.62, cash €3,758, halved raises the probability
Credit up to €12,000 at 30 days acceptable
Liquidity ample (current ratio 13.62 against 10.07 in 2024; short-term debt: 7.3% and cash: 1.9% of total assets), and 7.3% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, micro). Better than this share of them on solvency 90%, liquidity 57%, profitability 21%, growth against the median 28%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○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 16-07-2026, 15 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
15 d early
2024
31 d early
2023
on the day
2022
25 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 5 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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. Usually files around 24 July (3 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Annual accounts filedfiscal year 2024 · abbreviated…
- Equity above €200,000Eq €201,730 ▲3.5%
Key points
By topic
Board & ownership
- Largest shareholder
- VIVA COMPANY · 25%
Timeline
- Events
- 6
- Since
- 2023
- Next accounts
- by 31-07-2027
- 16-07-2026Annual accounts filed
- 30-06-2025Annual accounts filed
- 31-12-2024Equity above €200,000
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Wholesale of electrical household appliances and audio-video equipmentNACE 46431
- Founded
- 12-07-2021
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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