CKVN
ActiveCKVN has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €332k and a net result of €108k. Equity is growing by ~51.1% per year across the filed fiscal years. Its solvency ranks better than 58% of 12632 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 4.62 against 2.41 in 2024), and 35.3% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
64.7%
Return on assets
21%
Age of the figures
8 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
27 d late
2024
35 d early
2023
36 d early
2022
12 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€332k▲ 48.0%
2024 · €225k
2021: €48k
2022: €146k
2023: €226k
2024: €225k
2021 → 2025
Total assets
€514k▲ 81.6%
2024 · €283k
2021: €154k
2022: €229k
2023: €289k
2024: €283k
2021 → 2025
Net result
€108k▲ 120%
2024 · €49k
2021: €41k
2022: €98k
2023: €79k
2024: €49k
2021 → 2025
Working capital
€171k▲ 107%
2024 · €83k
2021: €-13k
2022: €83k
2023: €160k
2024: €83k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€48k-€146k▲ 203%€226k▲ 54.3%€225k▼ 0.4%€332k▲ 48.0%
Operating result€57k-€128k▲ 125%€109k▼ 14.3%€61k▼ 44.6%€147k▲ 143%
Net result€41k-€98k▲ 141%€79k▼ 19.1%€49k▼ 38.1%€108k▲ 120%
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 143% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €514k
Fixed assets
€296k▲ 108%
Current assets
€218k▲ 54.6%
Equity and liabilities €514k
Equity
€332k▲ 48.0%
Debt
€182k▲ 210%
The debt ratio rises from 20.7% to 35.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€217k▲
2024 · €86k
Cash flow
€178k▲
2024 · €75k
Solvency
64.7%▼
2024 · 79.3%
Current ratio
4.62▲
2024 · 2.41
Quick ratio
4.62▲
2024 · 2.41
Debt / equity
0.55▲
2024 · 0.26
ROE
32.4%▲
2024 · 21.9%
ROA
21.0%▲
2024 · 17.3%
Interest coverage
18.16▼
2024 · 140.56
Debt
€182k▲
2024 · €59k
Debt ≤ 1 year
€47k▼
2024 · €59k
Debt > 1 year
€134k
Income taxes
€31k▲
2024 · €11k
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€283k€514k▲
Fixed assets21/28€142k€296k▲
Intangible fixed assets21€52k€30k▼
Tangible fixed assets22/27€90k€265k▲
Land and buildings22€67k€247k▲
Plant, machinery and equipment23€11k€10k▼
Furniture and vehicles24€11k€8k▼
Other tangible fixed assets26€839€649▼
Current assets29/58€141k€218k▲
Amounts receivable after more than one year29€108k€187k▲
Other amounts receivable291€108k€187k▲
Amounts receivable within one year40/41€32k€4k▼
Trade receivables40€32k€4k▼
Cash at bank and in hand54/58€2k€26k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€283k€514k▲
Equity10/15€225k€332k▲
Contributions10/11€8k€8k=
Reserves13€217k€325k▲
Distributable reserves133€217k€325k▲
Amounts payable17/49€59k€182k▲
Amounts payable after more than one year17-€134k
Financial debts170/4-€134k
Amounts payable within one year42/48€59k€47k▼
Current portion of amounts payable after more than one year42€12k€18k▲
Trade debts44€20k€5k▼
Suppliers440/4€20k€5k▼
Taxes, remuneration and social security45€27k€24k▼
Taxes450/3€27k€24k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€70k▲
Other operating charges640/8€2k€4k▲
Gross operating margin9900€88k€221k▲
Operating profit (loss)9901€61k€147k▲
Financial income75/76B€164€4k▲
Recurring financial income75€164€4k▲
Financial charges65/66B€614€12k▲
Recurring financial charges65€614€12k▲
Profit (loss) for the period before taxes9903€60k€139k▲
Income taxes67/77€11k€31k▲
Profit (loss) for the period9904€49k€108k▲
Profit (loss) for the period to be appropriated9905€49k€108k▲
Appropriation of the result
Profit (loss) to be appropriated9906€49k€108k▲
Transfer from equity791/2€50k-
Transfer to equity691/2€49k€108k▲
To other reserves6921€49k€108k▲
Profit to be distributed694/7€50k-
Directors or managers695€50k-
The notes to these accounts (9 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Highest result since 2021net €108k ▲120%
Operating result €147k, net result €108k, both a record.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €226k ▲54.3%
3 profitable years in a row build equity to €226k.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity quadruplescurrent ratio 2.72
Current ratio from 0.73 to 2.72; short-term debt falls from €49k to €48k.
31-12
Financial
Equity above €100kEq €146k ▲203%
2 profitable years in a row build equity to €146k.
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, Schoten · 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.
Frans Reinemundlei 23A2900 SchotenGround area
2,057 m²
Building footprint
166 m²
Volume, LiDAR
821 m³
Parcel 11040D0155/00R006, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CKVN
since 20202.303.262.822
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11040D0155/00R006 | Flanders | 2,057 m² | 1 · 166 m² | 8.9 m · 2 fl. |
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.
Similar companies · same sector, comparable size
RS AVOCATS
BE 0543.294.624
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LAWRAH
BE 0742.712.172
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SANDRINE VALVEKENS
BE 0894.446.304
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Tom De Coster
BE 0838.753.753
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ten Have
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Of 22,019 companies in sector 69101 we hold annual accounts for 9,028. 6,559 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-06-2020
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.