CUROVIAM
ActiveCUROVIAM has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €598k and a net result of €63k. Equity is growing by ~3% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability53▼-8
Solvency22▲+7
Growth78=
Stability100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days only on tighter terms
Liquidity short (current ratio 0.34 against 0.33 in 2023), and 77.6% 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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
60 d late
2023
68 d late
2022
81 d late
2021
82 d late
2020
76 d late
2019
132 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€63k▼ 4.3%
2023 · €66k
2018: €-13k
2019: €-18k
2020: €23k
2021: €71k
2022: €51k
2023: €66k
2018 → 2024
Working capital
€-102k▲ 22.5%
2023 · €-132k
2018: €176k
2019: €142k
2020: €99k
2021: €-34k
2022: €-116k
2023: €-132k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€413k-€427k▲ 3.5%€478k▲ 11.9%€545k▲ 13.9%€598k▲ 9.8%
Operating result€75k-€126k▲ 67.5%€119k▼ 5.8%€140k▲ 17.8%€112k▼ 19.5%
Net result€23k-€71k▲ 207%€51k▼ 27.7%€66k▲ 29.9%€63k▼ 4.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 19% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.67M
Fixed assets
€2.61M▼ 1.8%
Current assets
€51k▼ 21.7%
Equity and liabilities €2.67M
Equity
€598k▲ 9.8%
Provisions
€133k▲ 45.7%
Debt
€1.93M▼ 7.5%
The debt ratio falls from 76.7% to 72.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€161k▼
2023 · €188k
Cash flow
€112k▼
2023 · €114k
Solvency
22.4%▲
2023 · 20.0%
Current ratio
0.34▲
2023 · 0.33
Quick ratio
0.34▲
2023 · 0.33
Debt / equity
3.24▼
2023 · 3.84
ROE
10.6%▼
2023 · 12.2%
ROA
2.4%▼
2023 · 2.4%
Interest coverage
4.63▼
2023 · 5.12
Debt
€1.93M▼
2023 · €2.09M
Debt ≤ 1 year
€153k▼
2023 · €197k
Debt > 1 year
€1.78M▼
2023 · €1.89M
Income taxes
€14k▼
2023 · €37k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€2.73M€2.67M▼
Fixed assets21/28€2.66M€2.61M▼
Tangible fixed assets22/27€1.17M€1.12M▼
Land and buildings22€1.16M€1.12M▼
Plant, machinery and equipment23€2k€776▼
Furniture and vehicles24€1k€783▼
Financial fixed assets28€1.50M€1.50M=
Current assets29/58€66k€51k▼
Amounts receivable after more than one year29€8k€7k▼
Other amounts receivable291€8k€7k▼
Amounts receivable within one year40/41€11k€11k=
Other amounts receivable41€11k€11k=
Cash at bank and in hand54/58€46k€32k▼
Deferred charges and accrued income490/1€453€2k▲
Equity and liabilities
Total equity and liabilities10/49€2.73M€2.67M▼
Equity10/15€545k€598k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€302k€331k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€295k€285k▼
Distributable reserves133-€40k
Profit (loss) carried forward14€181k€205k▲
Provisions and deferred taxes16€91k€133k▲
Provisions for liabilities and charges160/5-€45k
Environmental obligations163-€45k
Deferred taxes168€91k€88k▼
Amounts payable17/49€2.09M€1.93M▼
Amounts payable after more than one year17€1.89M€1.78M▼
Financial debts170/4€1.84M€1.73M▼
Other amounts payable178/9€50k€50k=
Amounts payable within one year42/48€197k€153k▼
Current portion of amounts payable after more than one year42€147k€69k▼
Trade debts44€15k€32k▲
Suppliers440/4€15k€32k▲
Taxes, remuneration and social security45€26k€23k▼
Taxes450/3€26k€23k▼
Other amounts payable47/48€10k€30k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€48k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8-€45k
Other operating charges640/8€11k€6k▼
Gross operating margin9900€198k€212k▲
Operating profit (loss)9901€140k€112k▼
Financial charges65/66B€37k€35k▼
Recurring financial charges65€37k€35k▼
Profit (loss) for the period before taxes9903€103k€78k▼
Income taxes67/77€37k€14k▼
Profit (loss) for the period9904€66k€63k▼
Transfer from tax-exempt reserves789€10k-
Profit (loss) for the period to be appropriated9905€76k€63k▼
Appropriation of the result
Profit (loss) to be appropriated9906€181k€245k▲
Profit (loss) brought forward from the previous period14P€105k€181k▲
Transfer to equity691/2-€40k
To other reserves6921-€40k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
31-12
Financial
Equity above €500kEq €545k ▲13.9%
4 profitable years in a row build equity to €545k.
20-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 81 days late
2022
21-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 82 days late
2021
31-12
Financial
Highest result since 2018net €71k ▲207%
Net result €71k, the highest in the series.
15-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 76 days late
2020
31-12
Financial
Back to profitnet €23k
Net result €23k after 2 loss-making years.
10-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 132 days late
2019
31-12
Financial
Weakest financial yearnet €-18k
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
23-11-2023
DINON Arnaud Malek Henri-Paul Annie: Resigned as Director
23-11-2023
TASSIN Maxime Patrick Dominique Marcel: Resigned as Director
30-09-2019
Delestrée Vincent: Resigned as Director
30-09-2019
Delestrée Vincent: Resigned as Managing director
04-02-2015
Patrick Delhaye: Resigned as Director
04-02-2015
TORFS Xavier: Resigned as Director
04-02-2015
TORFS Xavier: Resigned as Managing director
Location & real-estate footprint
Registered office, Schaarbeek · 1 establishment unit since 2009
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.
Kerselarenlaan 851030 SchaarbeekGround area
903 m²
Building footprint
514 m²
Volume, LiDAR
9,721 m³
Parcel 21911C0137/00S000, Brussels · tallest building 22.1 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
CUROVIAM
since 20092.228.435.636
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21911C0137/00S000 | Brussels | 903 m² | 1 · 514 m² | 22.1 m · 7 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.
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded18-09-2009
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.
Contact details
4 entriesE-mail:arnaud@bepcredits.be
E-mail:maxime@bepassurances.be
E-mail:curoviam@recordbank.be
Phone:027366822