CVBK
ActiveThe computed 12-month bankruptcy probability of CVBK is 3.2% (moderate). The 2024 annual accounts show negative equity (€-14k) and a net result of €-24k. Its solvency ranks better than 15% of 15867 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
17
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability0
Solvency0
Growth-
Track record67
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.8; short-term debt: 125% and cash: 5.5% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-25%
Return on assets
-42.6%
Age of the figures
21 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
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-06-2025, 51 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2024
51 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-14k
Total assets
€57k
Net result
€-24k
Working capital
€-14k
Turnover and EBIT margin not published: the micro schema does not require them.
Key figures and ratios
EBITDA
€-19k
Cash flow
€-23k
Solvency
-25.0%
Current ratio
0.80
Quick ratio
0.09
Debt / equity
-5.00
ROA
-42.6%
Interest coverage
-5.29
Debt
€71k
Debt ≤ 1 year
€71k
Filed annual accounts
As filed with the NBB · 2024
Balance sheet
Code2024
Assets
Total assets20/58€57k
Current assets29/58€57k
Stocks and contracts in progress3€50k
Stocks30/36€50k
Amounts receivable within one year40/41€3k
Trade receivables40€316
Other amounts receivable41€3k
Cash at bank and in hand54/58€3k
Deferred charges and accrued income490/1€180
Equity and liabilities
Total equity and liabilities10/49€57k
Equity10/15€-14k
Contributions10/11€10k
Profit (loss) carried forward14€-24k
Amounts payable17/49€71k
Amounts payable within one year42/48€71k
Current portion of amounts payable after more than one year42€70k
Trade debts44€811
Suppliers440/4€811
Taxes, remuneration and social security45€14
Taxes450/3€14
Income statement
Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k
Other operating charges640/8€76
Gross operating margin9900€-19k
Operating profit (loss)9901€-20k
Financial charges65/66B€4k
Recurring financial charges65€4k
Profit (loss) for the period before taxes9903€-24k
Profit (loss) for the period9904€-24k
Profit (loss) for the period to be appropriated9905€-24k
Appropriation of the result
Profit (loss) to be appropriated9906€-24k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Brugge · 1 establishment unit since 2024
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.
Esdoornstraat 38000 BruggeGround area
604 m²
Building footprint
135 m²
Volume, LiDAR
674 m³
Parcel 31808K0235/00H002, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CVBK
since 20242.354.638.772
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31808K0235/00H002 | Flanders | 604 m² | 1 · 135 m² | 7.7 m · 2 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.
Similar companies · same sector and region
AVADO
BE 0634.877.470
Brugge
Brouwerij De Sleutels
BE 0772.664.386
Brugge
Deruytter J.
BE 1001.563.996
Brugge
HET RUYTERHUYS
BE 0846.897.694
Brugge
JALI
BE 0869.822.853
Brugge
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 4,428 companies in sector 46180 we hold annual accounts for 1,887.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-01-2024
Fiscal year end31-12
Activities, NACEBEL
45112
46180Agents specialised in the wholesale of other particular products
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95313Repair and fitting of specific motor vehicle parts
45310
46720Wholesale of motor vehicle parts and accessories
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.