CVA CONCEPT
ActiveSummary
CVA CONCEPT has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21,772 and a net result of €23,772. Its solvency ranks better than 32% of 34,972 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 22-03-2024 Normal situation
- Registered office
- 45 active companies are registered at this address 13 started in the 12 months before. Source: KBO register, as of 5 November 2026.
- Activity
- Screed work NACE 43422and 5 others
- Establishment unit
- 2.357.473.746 1020 Brussels, since 22-03-2024
- Financial year end
- 30 June
- Peppol
- Reachable since 30-09-2025
Board and ownership
- COMAN VladimirDirector
- COMAN Vladimir100 sharesdeed of 26-03-2024
Financial position
- Bankruptcy probabilitywithin 12 months
- 1.0%
- Gross margin
- €41,475
- Turnover
- ≈ €260,000
- estimated
- Profit
- €23,772
- Equity
- €21,772
- Total assets
- €71,817
- 2025 accounts filed 1 day after the deadline
Score breakdownraises riskFounded in 2024Size: total assets €71,817Sector: Specialised construction activities (NACE 43)lowers riskLiquidity: current ratio 1.88, cash €24,113Show the evidence
Checked score
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 32% of them on solvency, 65% on liquidity and 76% on profitability.
The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Searched, nothing found (1)
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 1 day after the deadline Filed on 1 February 2026, deadline 31 January 2026 (7 months after the close on 30 June 2025, Companies Code art. 3:10). Source: NBB, 2026-00029184.
Annual accounts 2025 filed on 01-02-2026 PDF
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Investments
| Item | 30-06-2025 |
|---|---|
| Tangible fixed assets | €7,499 |
| Depreciation and write-downs of the year | €4,116 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,116 |
| Other operating charges640/8 | €777 |
| Gross operating margin9900 | €41,475 |
| Operating profit (loss)9901 | €36,582 |
| Financial charges65/66B | €8,511 |
| Recurring financial charges65 | €8,511 |
| Profit (loss) for the period before taxes9903 | €28,072 |
| Income taxes67/77 | €4,300 |
| Profit (loss) for the period9904 | €23,772 |
| Profit (loss) for the period to be appropriated9905 | €23,772 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €71,817 | |
| Fixed assets21/28 | €3,383 | |
| Tangible fixed assets22/27 | €3,383 | |
| Furniture and vehicles24 | €3,383 | |
| Current assets29/58 | €68,434 | |
| Amounts receivable within one year40/41 | €43,580 | |
| Trade receivables40 | €30,000 | |
| Other amounts receivable41 | €13,580 | |
| Cash at bank and in hand54/58 | €24,113 | |
| Deferred charges and accrued income490/1 | €741 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €71,817 | |
| Equity10/15 | €21,772 | |
| Contributions10/11 | €5,000 | |
| Profit (loss) carried forward14 | €16,772 | |
| Amounts payable17/49 | €50,045 | |
| Amounts payable within one year42/48 | €36,445 | |
| Trade debts44 | €17,893 | |
| Suppliers440/4 | €17,893 | |
| Taxes, remuneration and social security45 | €4,300 | |
| Taxes450/3 | €4,300 | |
| Other amounts payable47/48 | €14,252 | |
| Accrued charges and deferred income492/3 | €13,600 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €23,772 |
| + Depreciation and write-downs630 | €4,116 |
| Operating cash flow (approximation) | €27,888 |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 39,278 companies had the same profile as CVA CONCEPT has now. Two years later, 95.8% were still going and 1.8% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of CVA CONCEPT itself: 1.0% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for CVA CONCEPT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-06-2025 | micro format | 01-02-2026 | 2026-00029184 |
Board & ownership
Directors
Owners and capital
Shareholders
- COMAN Vladimir 100 shares (100%) · €5,000 in cash
Capital transactions
- 26-03-2024 Incorporation · €5,000 · 100 shares
Articles of association
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Helft overdrager,helft kopers naar evenredigheid aantal, elke overdracht onder levenden ten bezwarende of kosteloze titel,vrijwillig of…”
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Één of meerdere vereffenaars aanduiden,bevoegdheden omlijnen en vergoeding bepalen, ontbinding om welke reden en op welk ogenblik ook”
Articles of association, deed of 26-03-2024 (in Dutch)
Network & group
CVA CONCEPT shares no director with another company.
Companies at the same address
44 other companies- VKS PRIME Registered office · since 03-11-2026 1044.830.055
- RIMI CONSTRUCT Registered office · since 21-10-2026Founded in 2026 1044.334.860
- SLY COLOR DESIGN Registered office · since 30-09-2026Founded in 2026 1043.269.147
- TDM CONCEPT Registered office · since 31-08-2026Founded in 2026 1041.898.279
- VBAD GROUP Registered office · since 15-07-2026Founded in 2026 1040.319.258
- JIANU RENOV Registered office · since 05-05-2026Founded in 2026 1037.641.860
- EPS Company Registered office · since 24-04-2026Founded in 2026 1037.277.517
- OXIPLUS Registered office · since 20-03-2026Founded in 2026 1035.792.031
- FLR GROUP Registered office · since 05-03-2026Founded in 2026 1035.152.821
- DIDI ENTREPRISE Registered office · since 09-01-2026Founded in 2026 1032.806.510
Connections & network
1 current directorThe network starts from the directors of CVA CONCEPT. Every other company they run is a node.
Timeline
Deeds, filings and financial milestones
26-03
Gazette deed
IncorporationFounding capital of €5,000, 100 shares · Founder: COMAN Vladimir (comparant) · Appointment: COMAN Vladimir (director)4 points ▸
- Founder, COMAN Vladimir (comparant)
- Founding capital, €5,000, 100 shares
- 100 shares
- Director appointment, COMAN Vladimir (director (not named in the articles))
- The deed holds 4 more points.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
28 activities
- Alle bouwondernemingsactiviteiten in de breedste zin van het woord, het optrekken van de ruwbouw, de algemene bouwonderneming, bekisting, betonwapening
- De coördinatie van onderaannemers, de afbraak-, vlak- en afgravingwerken, alle metsel-, voeging- en waterdichtheidwerken
- Alle asfalteringwerken
- De montage van daken en het onderhoud ervan
- Het plaatsen van dakbedekking van ongeacht welk materiaal en van dakgoten en regenafvoerbuizen
- Alle geraamtewerken (hout- en stalconstructies, of andere)
- Akoestische en thermische isolatie
- De bekleding van wanden, vloeren, plafonds, gevels
- Al dan niet industriële schilderwerken
- Betegelen- en mozaïekwerken
- Deklaag- en stucwerken
- De montage van buiten- en binnenschrijnwerk van hout en kunststof: deuren, vensters, kozijnen, trappen, muurkasten, inbouwkeukens, winkelinrichtingen, enzovoort
- De installatie van al dan niet verplaatsbare tussenwanden en de installatie van garagepoorten, luiken, zonneblinden, traliewerk, hekken, enzovoort in hout of kunststof
- De natuursteen- en marmerbewerking
- Alle vernieuwingswerken, schoonmaakwerken
- Het schoorsteenvegen
- Het plaatsen van stellingen, ijzerwaren, smeedwerk, alle metaalwerken
- Alle werken van glazenmakervak, het plaatsen van ruiten, spiegels, glas-in-loodramen, het vervaardigen van doorzichtige wanden
- Alle sanitair- en loodgieterijwerken
- De installatie van elektrische bedrading en toebehoren, van de installatie van bewakingssystemen en alarminstallaties tegen diefstal
- Het garneren van meubilair
- De kleinhandel, de invoer en de uitvoer van constructiematerialen
- Alle hydraulische werken, maritieme of rivierwerken, constructie of herstelling van sluizen, stuwdammen, dijken, kanalen en kunstwerken, doorleggings- afwatering- en pompenwerken, irrigatie- en uitbaggeringwerken, créatie en onderhoud van vijvers, rivieren en beekjes
- Het aanleggen van wegen, fietspaden, enzovoort
- De fabricatie, verwerking, aanmaak, aan- en verkoop, in- en uitvoer, zowel in 't groot als in 't klein van alle artikelen van de brood-banketbakkerij, gebakjes, van alle koekjesfabriek artikelen, confiserie en chocolade artikelen, ijsroom, …
- Alle versierings-, garnierings- en verpakkingsmiddelen, welke al dan niet met de hiervoor genoemde goederen aangevuld of samengevoegd verkocht kunnen worden
- Al deze goederen kunnen ter plaatse verkocht worden en/of genoten in een daartoe bestemde verbruikzaal en/of aan huis geleverd worden
- Werkplaatsen voor vervaardiging van bakkerij- en banketbakkerijproducten, en tevens van voeding en niet-voedingswaren
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1007.481.986
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the addresses
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 23084A0526/00N004 | Flanders | 688 m² | 1 · 220 m² | 14.3 m · 4 |
| 21816G0093/00B004 | Brussels | 206 m² | 1 · 84 m² | 14.6 m · 4 |