CVB
ActiveSummary
The computed 12-month bankruptcy probability of CVB is 1.9% (moderate). The 2025 annual accounts show equity of €128,048 and a net result of €24,085. Its solvency ranks better than 74% of 11472 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability78▲+76
Solvency97▲+20
Growth78
Track record82
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9,000 at 30 days only on tighter terms
Liquidity ample (current ratio 3.1 against 1.84 in 2024; short-term debt: 23.7% and cash: 21.9% of total assets), and 28.4% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
71.6%
Return on assets
13.5%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
22 d early
2024
47 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 13 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€354,738
EBIT margin
7.5%
Net result
€24,085
2024 · -€31,037
Working capital
€89,415▲ 10.9%
2024 · €80,594
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20242025
Turnover€354,738
Operating result-€30,790-€26,516
Net result-€31,037-€24,085
EBIT margin7.5%
Equity€118,963-€128,048▲ 7.6%
Total assets€228,042-€178,896▼ 21.6%
Debt€109,079-€50,848▼ 53.4%
Working capital€80,594-€89,415▲ 10.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €26,516 after a loss of €30,790 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €178,896
Fixed assets
€47,001 ▼ 9.1%
Current assets
€131,895 ▼ 25.2%
Equity and liabilities €178,896
Equity
€128,048 ▲ 7.6%
Debt
€50,848 ▼ 53.4%
Debt's share of the balance-sheet total falls from 47.8% to 28.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€37,566▲
2024 · -€27,431
Cash flow
€35,134▲
2024 · -€27,678
Current ratio
3.10▲
2024 · 1.84
Quick ratio
1.32▲
2024 · 0.74
Debt to equity
0.40▼
2024 · 0.92
ROE
18.8%▲
2024 · -26.1%
ROA
13.5%▲
2024 · -13.6%
Interest coverage
15.19▲
2024 · -29.58
Debt ≤ 1 year
€42,480▼
2024 · €95,736
Debt > 1 year
€8,368▼
2024 · €13,343
Income taxes
€1
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 39,275 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.9% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 39,275 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Turnover70 | - | €354,738 | - |
| Goods, raw materials, services and sundry goods60/61 | - | €319,511 | - |
| Remuneration, social security and pensions62 | €2,146 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,359 | €11,049 | ▲ 229% |
| Other operating charges640/8 | €580 | €1,437 | ▲ 148% |
| Gross operating margin9900 | -€24,705 | €39,002 | ▲ 258% |
| Operating profit (loss)9901 | -€30,790 | €26,516 | ▲ 186% |
| Financial income75/76B | €681 | €43 | ▼ 93.7% |
| Recurring financial income75 | €681 | €43 | ▼ 93.7% |
| Financial charges65/66B | €927 | €2,474 | ▲ 167% |
| Recurring financial charges65 | €927 | €2,474 | ▲ 167% |
| Profit (loss) for the period before taxes9903 | -€31,037 | €24,085 | ▲ 178% |
| Income taxes67/77 | - | €1 | - |
| Profit (loss) for the period9904 | -€31,037 | €24,085 | ▲ 178% |
| Profit (loss) for the period to be appropriated9905 | -€31,037 | €24,085 | ▲ 178% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €228,042 | €178,896 | ▼ 21.6% |
| Fixed assets21/28 | €51,712 | €47,001 | ▼ 9.1% |
| Intangible fixed assets21 | €14,234 | €12,734 | ▼ 10.5% |
| Tangible fixed assets22/27 | €26,378 | €23,167 | ▼ 12.2% |
| Plant, machinery and equipment23 | €11,056 | €8,741 | ▼ 20.9% |
| Furniture and vehicles24 | €15,323 | €14,427 | ▼ 5.8% |
| Financial fixed assets28 | €11,100 | €11,100 | = |
| Current assets29/58 | €176,330 | €131,895 | ▼ 25.2% |
| Stocks and contracts in progress3 | €105,053 | €76,023 | ▼ 27.6% |
| Stocks30/36 | €105,053 | €76,023 | ▼ 27.6% |
| Amounts receivable within one year40/41 | €59,476 | €16,632 | ▼ 72.0% |
| Trade receivables40 | €24,171 | €16,632 | ▼ 31.2% |
| Other amounts receivable41 | €35,305 | - | - |
| Cash at bank and in hand54/58 | €11,801 | €39,240 | ▲ 233% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €228,042 | €178,896 | ▼ 21.6% |
| Equity10/15 | €118,963 | €128,048 | ▲ 7.6% |
| Contributions10/11 | €150,000 | €150,000 | = |
| Profit (loss) carried forward14 | -€31,037 | -€21,952 | ▲ 29.3% |
| Amounts payable17/49 | €109,079 | €50,848 | ▼ 53.4% |
| Amounts payable after more than one year17 | €13,343 | €8,368 | ▼ 37.3% |
| Financial debts170/4 | €13,343 | €8,368 | ▼ 37.3% |
| Amounts payable within one year42/48 | €95,736 | €42,480 | ▼ 55.6% |
| Current portion of amounts payable after more than one year42 | €4,747 | €4,974 | ▲ 4.8% |
| Financial debts43 | €4,960 | - | - |
| Credit institutions430/8 | €4,960 | - | - |
| Trade debts44 | €66,677 | - | - |
| Suppliers440/4 | €66,677 | - | - |
| Advances received on contracts in progress46 | €17,060 | €17,060 | = |
| Taxes, remuneration and social security45 | €2,291 | €12,788 | ▲ 458% |
| Taxes450/3 | €2,291 | €12,788 | ▲ 458% |
| Other amounts payable47/48 | - | €7,658 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | -€31,037 | €24,085 | ▲ 178% |
| + Depreciation and write-downs630 | €3,359 | €11,049 | ▲ 229% |
| Operating cash flow (approximation) | -€27,678 | €35,134 | ▲ 227% |
| Investment in fixed assets (approximation) | - | -€6,338 | - |
| Change in cash | - | €27,440 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €24,085
Net result €24,085 after one loss-making year.
16-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 47 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Schilde · 2 establishment units since 2024
Ground area
337 m²
Building footprint
369 m²
Volume, LiDAR
2,381 m³
2 parcels, Flanders · tallest building 13.3 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
CVB
since 20242.359.155.707
Pet Pret
since 20242.360.366.821
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11051B0363/00Y006 | Flanders | 256 m² | 1 · 222 m² | 13.3 m · 4 fl. |
| 11041A0085/00E000 | Flanders | 81 m² | 1 · 147 m² | 7.2 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.360.366.821
Similar companies · same sector, comparable size
FAYE SPORTHORSES
BE 0597.834.655
Héron · Eq €122,145
ANIMALIS PET SHOP
BE 0554.776.058
Eghezée · Eq €134,856
VOGELHANDEL BEERNAERT
BE 0830.047.509
Moorslede · Eq €121,333
DBAGRO
BE 1016.022.738
Aalter · Eq €135,995
KRISMAR STABLES
BE 0434.709.854
Wingene · Eq €120,344
Of 173 companies in sector 46232 we hold annual accounts for 88. 67 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded02-05-2024
Fiscal year end31-12
Activities, NACEBEL 2025
46232Wholesale trade
46382Wholesale trade
47762Retail sale of pets, pet food and pet supplies
E-invoicing
Reachable via Peppol
Peppol ID
0208:1009001225
Also
9925:BE1009001225
Registered
14-04-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.