Financials
- Fiscal year
- 2025
- Total assets
- €126,914
- Profit
- €31,500
- Solvency
- 68.6%
Total assets▲ 1.5%
Net result
20192025
CV-Team
ActiveSummary
CV-Team has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €87,029 and a net result of €31,500. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 73% of 30651 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Overview
Activity
Plumbing work
NACE 43221
1 site
Size
€126,914total assets 2025
- Equity
- €87,029
- Profit
- €31,500
Turnover not published (abridged schema)
Structure
Accounts 1 d early0 of 2 deeds read
Why 97- Sector Specialised construction activities (NACE 43)+ Liquidity: current ratio 2.61, cash €86,620+ Equity €87,029 (68.6% of total assets)+ Founded in 2013Show the evidence
Checked score
Score 2025
97
/ 100
Excellent
Probability in this band: under 0.55%
Better than 77% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
94+10
equity 68.6% of total assets
Liquidity
87+7
short-term debt 31.4% · cash 68.3%
Profitability
100+29
return on assets 24.8%
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 19 months
04-2025: 0.1%highest value
05-2025: 0.1%● 0.0% vs 04-2025highest value
06-2025: 0.1%● 0.0% vs 05-2025highest value
07-2025: 0.1%▼ -20.0% vs 06-2025
08-2025: 0.1%● 0.0% vs 07-2025
09-2025: 0.1%● 0.0% vs 08-2025
10-2025: 0.1%● 0.0% vs 09-2025
11-2025: 0.1%● 0.0% vs 10-2025
12-2025: 0.1%▼ -1.3% vs 11-2025
01-2026: 0.1%▲ +20.0% vs 12-2025
02-2026: < 0.1%▼ -48.9% vs 01-2026
03-2026: < 0.1%● 0.0% vs 02-2026
04-2026: < 0.1%● 0.0% vs 03-2026
05-2026: < 0.1%● 0.0% vs 04-2026
06-2026: < 0.1%● 0.0% vs 05-2026
07-2026: < 0.1%▼ -6.5% vs 06-2026lowest value
08-2026: < 0.1%● 0.0% vs 07-2026lowest value
09-2026: < 0.1%● 0.0% vs 08-2026lowest value
10-2026: < 0.1%▲ +2.3% vs 09-2026
- Liquidity: current ratio 2.61, cash €86,620 lowers the probability
- Equity €87,029 (68.6% of total assets) lowers the probability
- Sector Specialised construction activities (NACE 43) raises the probability
- Founded in 2013 lowers the probability for this profile
Credit up to €8,000 at 30 days acceptable
Liquidity ample (current ratio 2.61 against 1.93 in 2024; short-term debt: 31.4% and cash: 68.3% of total assets), and 31.4% 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 43, micro). Better than this share of them on solvency 74%, liquidity 84%, profitability 85%, growth against the median 66%. 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
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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 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
36 d early
2023
on the day
2022
82 d early
2021
34 d early
2020
41 d early
2019
32 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 32 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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. Usually files around 28 December (4 of the last 5 filed years within 34 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close02-10-2026 today31-01-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Highest result since 2019net €31,500 ▲1,250%
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 13
- Since
- 2016
- Next accounts
- by 31-01-2027
- 30-01-2026Annual accounts filed
- 30-06-2025Highest result since 2019
- 26-12-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Plumbing workNACE 43221
- Founded
- 26-09-2013
- Year ends
- 30-06
- Peppol
- Reachable for e-invoices
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