CVB
ActiveSummary
The computed 12-month bankruptcy probability of CVB is 1.9% (moderate). The 2025 annual accounts show equity of €128k and a net result of €24k. Its solvency ranks better than 74% of 11389 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 €9k 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.
Credit check for your own amount and term
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 →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€355k
EBIT margin
7.5%
Net result
€24k
2024 · €-31k
Working capital
€89k▲ 10.9%
2024 · €81k
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€355k
Operating result€-31k-€27k
Net result€-31k-€24k
EBIT margin7.5%
Equity€119k-€128k▲ 7.6%
Total assets€228k-€179k▼ 21.6%
Debt€109k-€51k▼ 53.4%
Working capital€81k-€89k▲ 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: €27k after a loss of €31k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €179k
Fixed assets
€47k ▼ 9.1%
Current assets
€132k ▼ 25.2%
Equity and liabilities €179k
Equity
€128k ▲ 7.6%
Debt
€51k ▼ 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
€38k▲
2024 · €-27k
Cash flow
€35k▲
2024 · €-28k
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
€42k▼
2024 · €96k
Debt > 1 year
€8k▼
2024 · €13k
Income taxes
€1
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Turnover70 | - | €355k | - |
| Goods, raw materials, services and sundry goods60/61 | - | €320k | - |
| Remuneration, social security and pensions62 | €2k | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3k | €11k | ▲ 229% |
| Other operating charges640/8 | €580 | €1k | ▲ 148% |
| Gross operating margin9900 | €-25k | €39k | ▲ 258% |
| Operating profit (loss)9901 | €-31k | €27k | ▲ 186% |
| Financial income75/76B | €681 | €43 | ▼ 93.7% |
| Recurring financial income75 | €681 | €43 | ▼ 93.7% |
| Financial charges65/66B | €927 | €2k | ▲ 167% |
| Recurring financial charges65 | €927 | €2k | ▲ 167% |
| Profit (loss) for the period before taxes9903 | €-31k | €24k | ▲ 178% |
| Income taxes67/77 | - | €1 | - |
| Profit (loss) for the period9904 | €-31k | €24k | ▲ 178% |
| Profit (loss) for the period to be appropriated9905 | €-31k | €24k | ▲ 178% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €228k | €179k | ▼ 21.6% |
| Fixed assets21/28 | €52k | €47k | ▼ 9.1% |
| Intangible fixed assets21 | €14k | €13k | ▼ 10.5% |
| Tangible fixed assets22/27 | €26k | €23k | ▼ 12.2% |
| Plant, machinery and equipment23 | €11k | €9k | ▼ 20.9% |
| Furniture and vehicles24 | €15k | €14k | ▼ 5.8% |
| Financial fixed assets28 | €11k | €11k | = |
| Current assets29/58 | €176k | €132k | ▼ 25.2% |
| Stocks and contracts in progress3 | €105k | €76k | ▼ 27.6% |
| Stocks30/36 | €105k | €76k | ▼ 27.6% |
| Amounts receivable within one year40/41 | €59k | €17k | ▼ 72.0% |
| Trade receivables40 | €24k | €17k | ▼ 31.2% |
| Other amounts receivable41 | €35k | - | - |
| Cash at bank and in hand54/58 | €12k | €39k | ▲ 233% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €228k | €179k | ▼ 21.6% |
| Equity10/15 | €119k | €128k | ▲ 7.6% |
| Contributions10/11 | €150k | €150k | = |
| Profit (loss) carried forward14 | €-31k | €-22k | ▲ 29.3% |
| Amounts payable17/49 | €109k | €51k | ▼ 53.4% |
| Amounts payable after more than one year17 | €13k | €8k | ▼ 37.3% |
| Financial debts170/4 | €13k | €8k | ▼ 37.3% |
| Amounts payable within one year42/48 | €96k | €42k | ▼ 55.6% |
| Current portion of amounts payable after more than one year42 | €5k | €5k | ▲ 4.8% |
| Financial debts43 | €5k | - | - |
| Credit institutions430/8 | €5k | - | - |
| Trade debts44 | €67k | - | - |
| Suppliers440/4 | €67k | - | - |
| Advances received on contracts in progress46 | €17k | €17k | = |
| Taxes, remuneration and social security45 | €2k | €13k | ▲ 458% |
| Taxes450/3 | €2k | €13k | ▲ 458% |
| Other amounts payable47/48 | - | €8k | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €-31k | €24k | ▲ 178% |
| + Depreciation and write-downs630 | €3k | €11k | ▲ 229% |
| Operating cash flow (approximation) | €-28k | €35k | ▲ 227% |
| Investment in fixed assets (approximation) | - | €-6k | - |
| Change in cash | - | €27k | - |
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 €24k
Net result €24k 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 €122k
ANIMALIS PET SHOP
BE 0554.776.058
Eghezée · Eq €135k
VOGELHANDEL BEERNAERT
BE 0830.047.509
Moorslede · Eq €121k
DBAGRO
BE 1016.022.738
Aalter · Eq €136k
KRISMAR STABLES
BE 0434.709.854
Wingene · Eq €120k
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
Scores and ratios are computed by Checked and are not a credit decision.