Financials
- Fiscal year
- 2025
- Turnover
- €16,148
- Loss
- -€9,218
- Solvency
- 6.3%
Turnover▲ 43.0%
Net result
20242025
CIVAJUS
ActiveSummary
The computed 12-month bankruptcy probability of CIVAJUS is 1.6% (moderate). The annual accounts of CIVAJUS for fiscal year 2025 show a net loss of 74% of the equity at the start of that year. The 2025 annual accounts show equity of €3,251 and a net result of -€9,218. Its solvency ranks better than 26% of 1700 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Manufacture of food products
NACE 10320
1 site
Size
€16,148turnover 2025
- Equity
- €3,251
- Loss
- -€9,218
Structure
Accounts filed 16 d late0 of 4 deeds read
Why 53Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year- Sector Manufacture of food products (NACE 10)- Loss of €9,218, the second in a row (FY 2025)+ Size: turnover €16,148, total assets €51,344+ Founded in 2010Show the evidence
Checked score
Score 2025
53
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 21% of its sector peers (NACE 10, micro)
Performance against the sector, not lower risk
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency
31-16
equity 6.3% of total assets
Liquidity
6-4
short-term debt 88.0% · cash 4.0%
Profitability
0=
return on assets -18.0%
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 16 months
07-2025: 1.4%
08-2025: 1.4%● 0.0% vs 07-2025
09-2025: 1.4%▼ -0.9% vs 08-2025
10-2025: 1.5%▲ +8.9% vs 09-2025
11-2025: 1.4%▼ -4.7% vs 10-2025
12-2025: 1.3%▼ -7.8% vs 11-2025lowest value
01-2026: 1.6%▲ +18.5% vs 12-2025
02-2026: 2.0%▲ +26.7% vs 01-2026highest value
03-2026: 1.5%▼ -25.3% vs 02-2026
04-2026: 1.5%● 0.0% vs 03-2026
05-2026: 1.5%● 0.0% vs 04-2026
06-2026: 1.5%● 0.0% vs 05-2026
07-2026: 1.5%▲ +2.1% vs 06-2026
08-2026: 1.5%▲ +1.1% vs 07-2026
09-2026: 1.5%● 0.0% vs 08-2026
10-2026: 1.6%▲ +3.3% vs 09-2026
- Size: turnover €16,148, total assets €51,344 lowers the probability for this profile
- Sector Manufacture of food products (NACE 10) raises the probability
- Loss of €9,218, the second in a row (FY 2025) raises the probability
- Founded in 2010 lowers the probability for this profile
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.33 against 0.31 in 2024; short-term debt: 88% and cash: 4% of total assets), and 93.7% 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 10, micro). Better than this share of them on solvency 23%, liquidity 5%, profitability 6%, growth against the median 49%. 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.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2425
2024 to 2025 · latest year -€9,218
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-02-2026, 16 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
16 d late
2024
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 8 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close02-10-2026 today31-01-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 2
- Since
- 2025
- Next accounts
- by 31-01-2027
- 16-02-2026Annual accounts filed
- 31-01-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Manufacture of food productsNACE 10320
- Founded
- 22-03-2010
- Year ends
- 30-06
- Peppol
- Reachable for e-invoices
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