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Generated 01-08-2026
Active BE 0802.361.927Private limited company

CUBIHOLDING

Uitbreidingstraat 66 ·2600 Antwerpen, Belgium· 3 yrs active
Sector: Financial services (64210)
Conclusion Checked

CUBIHOLDING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €788k and a net result of €139k. Its solvency ranks better than 60% of 1402 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €788k
Net result €139k
Better than sector 60%
Active 3 yrs
Snowflake analysis 5 axes · computed by Checked
Health0Profitability88Solvency66Growth78Stability94
65 / 100

Strong profile, led by stability.

Health 0
Profitability 88
Solvency 66
Growth 78
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Financial overview2 NBB filings
Annual accounts filed on 28-08-2025 with the NBB · fiscal year 2024 · verkort
€-50k€0€50k€100k€150kOperating result 2023: €-36k€-36kNet result 2023: €-43k€-43kOperating result 2024: €54k€54kNet result 2024: €139k€139k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 64, Financial services · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 46.3% 37.3%
better than 60% of 1402 sector peers
Net result €139k €46k
better than 71% of 1401 sector peers
Equity €788k €362k
better than 66% of 1402 sector peers
Gross operating margin €54k €65k
better than 45% of 1400 sector peers
Total assets €1.70M €1.41M
better than 55% of 1402 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€139k
- -22% vs sector
Total assets
€1.70M
+11.2% -77% vs sector
Equity
€788k
+21.4% -88% vs sector
Debt
€913k
+3.7% -56% vs sector
Debt ≤ 1y
€387k
+13.0% -80% vs sector
Debt > 1y
€525k
-2.2% -10% vs sector
Solvency
46.3%
+9.1% -36% vs sector
ROE
17.6%
- +233% vs sector
ROA
8.2%
- +231% vs sector
Figures by fiscal year
Fiscal year2024
Revenuen/a
EBITDAn/a
Net profit€139k
Cash flown/a
Staff costs-
Income taxes-
Dividends-
Total assets€1.70M
Equity€788k
Debt€913k
of which ≤ 1y€387k
of which > 1y€525k
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2024
Current ration/a
Quick ration/a
Working capital ration/a
Solvency46.3%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA8.2%
ROE17.6%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€1.70M
Fixed assets 21/28€1.37M
Financial fixed assets 28€1.37M
Current assets 29/58€327k
Amounts receivable within one year 40/41€188k
Cash & bank 54/58€50k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€1.70M
Equity 10/15€788k
Contributions / capital 10/11€692k
Reserves 13€97k
Accumulated profits (losses) 14€0
Amounts payable 17/49€913k
Amounts payable after one year 17€525k
Amounts payable within one year 42/48€387k
Trade debts payable within one year 44€133k
Income statement
Gross operating margin 9900€54k
Operating result 9901€54k
Financial income 75€110k
Financial charges 65€24k
Result before taxes 9903€139k
Net result for the period 9904€139k
Result to be appropriated 9905€139k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Financial services(64210)
Legal form Private limited company(610)
Incorporation02-06-2023
StatusActive
Postal code2600
Establishment units 1 location
CUBIHOLDING
Uitbreidingstraat 66, 2600 AntwerpenOp lange termijn aanhouden van aandelen die afkomstig zijn van verschillende andere bedrijven die in meerderheid tot de financiële sector behoren
since 20232.346.944.692
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11303B0445/00F008 Flanders 2,372 m² 1 · 792 m² 23.9 m · 7 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 4 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
22-01-2026
State Gazette act Statutes amendment
v3.2
2025
28-08-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
2024
26-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · verkort
2023
06-06-2023
State Gazette act Incorporation
oprichting
Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 6 months ago
2026
22-01-2026 Articles of association amended Statutes amendment
Summary: v3.2
Technical details 
{
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "statute_change": {
    "name_change": false,
    "seat_change": false,
    "object_change": false,
    "effective_date": "2025-12-30",
    "legal_form_change": false
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0802.361.927",
    "name_full": "CUBIHOLDING",
    "legal_form": "BV"
  },
  "signature_regime": "solo",
  "special_mandates": [],
  "governance_change": {
    "admin_delegated_added": []
  }
}
2023
06-06-2023 Incorporation of a new BV Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "2018 Antwerpen, Jan Van Rijswijcklaan 158",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": null,
        "name": "Michiel STEEGMANS",
        "niss": null,
        "address": null
      },
      "share_class": "CUBIHOLDING BV",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "in_kind",
      "amount_paid_in_eur": 0,
      "holder_person_name": "Michiel STEEGMANS",
      "is_subscriber_only": false,
      "n_shares_subscribed": 864000,
      "amount_subscribed_eur": 525000,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": null,
        "name": "Thomas WYNANTS",
        "niss": null,
        "address": null
      },
      "share_class": "CUBIHOLDING BV",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "in_kind",
      "amount_paid_in_eur": 0,
      "holder_person_name": "Thomas WYNANTS",
      "is_subscriber_only": false,
      "n_shares_subscribed": 270000,
      "amount_subscribed_eur": 164062.5,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": null,
        "name": "Anton AERTS",
        "niss": null,
        "address": null
      },
      "share_class": "CUBIHOLDING BV",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "in_kind",
      "amount_paid_in_eur": 0,
      "holder_person_name": "Anton AERTS",
      "is_subscriber_only": false,
      "n_shares_subscribed": 187200,
      "amount_subscribed_eur": 113751.5,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 741814,
  "subject_company": {
    "kbo": "0802.361.927",
    "name_full": "CUBIHOLDING",
    "legal_form": "BV"
  },
  "initial_directors": [],
  "incorporation_date": "2023-06-02",
  "post_incorporation_mandates": []
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Company registry (CBE) Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210Activiteiten van hoofdkantoren70100Activiteiten van hoofdkantoren70100
Primary activity highlighted.
Names & trade names
Legal nameNL CUBIHOLDING
Registered office
Uitbreidingstraat 66
2600 Antwerpen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative