Equity
€44,281 ▼ 46.3%
CVBL paid out €96,787 in dividends. That is 165% of the 2025 profit.
CVBL
Lifetime
5 annual accounts with figures on one time axispeak €434,381 (2025)
€434,381▲ 102%
peak €58,648 (2025)
€58,648▲ 209%
peak €82,420 (2024)
€44,281▼ 46.3%
€324,215▼ 4.2%
Board3 names since 2020
2 directorsFIORE Laura and 1 other
Documentsfilings and deeds
09-09-202640 days late
2025micro format
Gross margin from €215,015 to €434,381Result from €18,959 to €58,648Dividend €96,787Equity from €82,420 to €44,2811 establishment registered
Key points
from the 2025 annual accountsTurnover
≈ €1.2m estimated
The micro format states no turnover.
Debts
€324,215 88% of the balance sheet
Suppliers 50%Taxes and wages 18%Other 32%
Of this, €320,725 falls due within a year.
Staff
14 FTE ▲ 79.5%
More staff in 2025 from 7.8 FTE to 14 FTE.
Filings
5 annual accounts 5 late
The 2022 accounts came latest: 149 days after the end of the period.
Position in the sector
€58,648
Higher net result than 90% of companies in food and beverage service. Sector median €4,886 · 17,134 companies.
Checked score
37
Weak
Financially stronger than 35% of micro companies in food and beverage service (NACE 56)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
4.9% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 23,788 companies (NACE 56, micro).
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 5.2%
01-2025: 5.1%▼ -0.1 percentage points vs 12-2024
02-2025: 5.1%● unchanged vs 01-2025
03-2025: 5.1%● unchanged vs 02-2025
04-2025: 5.1%● unchanged vs 03-2025
05-2025: 5.4%▲ +0.3 percentage points vs 04-2025
06-2025: 5.5%▲ +0.1 percentage points vs 05-2025
07-2025: 5.5%● unchanged vs 06-2025
08-2025: 6.3%▲ +0.8 percentage points vs 07-2025
09-2025: 6.6%▲ +0.3 percentage points vs 08-2025
10-2025: 7.1%▲ +0.5 percentage points vs 09-2025highest value
11-2025: 4.5%▼ -2.6 percentage points vs 10-2025
12-2025: 4.5%● unchanged vs 11-2025
01-2026: 4.5%● unchanged vs 12-2025
02-2026: 4.5%● unchanged vs 01-2026
03-2026: 4.4%▼ -0.1 percentage points vs 02-2026lowest value
04-2026: 4.5%▲ +0.1 percentage points vs 03-2026
05-2026: 4.7%▲ +0.2 percentage points vs 04-2026
06-2026: 4.8%▲ +0.1 percentage points vs 05-2026
07-2026: 4.7%▼ -0.1 percentage points vs 06-2026
08-2026: 5.0%▲ +0.3 percentage points vs 07-2026
09-2026: 5.1%▲ +0.1 percentage points vs 08-2026
10-2026: 4.9%▼ -0.2 percentage points vs 09-2026
11-2026: 4.9%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Sector: Food and beverage service activities (NACE 56)
Last filed accounts filed 40 days late; 3 of the last 3 accounts late
Founded in 2020
Equity €44,281 (12.0% of total assets)
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 56, micro). It does better than 35% of them on solvency, 12% on liquidity, 77% on profitability and 16% on growth.
The bankruptcy probability was computed on 09-11-2026 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 31-12-2025.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% 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).
Comparable companies, two years later
In July 2024, 2,684 companies had the same profile as CVBL has now. Each dot stands for 7 companies, two years later.
97.3%
were still trading
1.2%
stopped another way
1.3%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of CVBL itself is higher: 4.9% within 12 months. It rests on far more data about CVBL than the profile alone.
Test of the method
The method was tested on the 497,447 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 2,684 companies, not a prediction for CVBL. 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.
Credit verdict
Credit of up to €1,500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity is insufficient, with a current ratio of 0.47 (0.57 in 2024), below 1. Short-term debt is 87% and cash 9.1% of total assets. 88% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
raises risk
raises risk · 2025 accounts filed 40 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-09-2026, 40 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filingsDeviation from the deadline
2025
40 days late
2024
86 days late
2023
76 days late
2022
149 days late
2021
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 76 days after the deadline. In the sector (NACE 56), the median for financial year 2024 was 7 days after the deadline, and 53% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 16 October (4 of the last 5 accounts filed within 46 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- FIORE Carmelo 20 sharesdeed of 18-11-2020
- FIORE Boris 50 sharesdeed of 18-11-2020
- FIORE Laura 30 sharesdeed of 18-11-2020
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0758461707
New establishment in Herstal
bar a pates carmelo herstak, Rue du Crucifix 23
New establishment in Soumagne
Avenue de la Résistance 307
Appointment: Boris FIORE (director)
Resignation: Carmelo FIORE (director) · General meeting of 16-02-2021 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CVBL Soumagne | €368,496 | €434,381 | 12.0% | - |
| FOOD BOX Ferrières | €372,953 | €498,736 | 5.9% | - |
| JACKY TILFF Esneux | €405,583 | €412,558 | 26.1% | - |
| QUENT ON A FAIM Brussels | €348,717 | €417,180 | 1.4% | - |
| ARJES Lasne | €402,103 | €442,158 | 9.3% | 10.4 |
| GPO CORP Mons | €384,733 | €486,792 | -42.5% | 12.2 |
| ABIKS Stekene | €400,472 | €434,399 | 5.8% | - |
These companies have the same main activity as CVBL: limited-service restaurants, excluding mobile food services (NACE 56112). They are comparable in size and age: total assets between €349,000 and €406,000, founded between 2020 and 2021.
Official details
Source: KBO- Status
- Active since 16-11-2020Normal situation
- Activity
- Limited-service restaurants, excluding mobile food servicesNACE 56112
- Joint committee
- 302Hotels and catering · annual accounts 2025
- Establishment units
- 2.311.833.4644802 Verviers, since 16-11-2020
- 2.333.623.8224630 Soumagne, since 07-07-2022and 1 other
- Financial year end
- 31 December
- Peppol
- Reachable since 18-12-2025
Annual accounts 2025
- €368,496▼ 12.4%
- Employeeson 31-12-2025
- 8▲ 14.3%
- Filing
- Filed on 09-09-2026
Insights on CVBL
CVBL files the micro format. That format states no turnover. The gross margin rose from €126,831 in 2021 to €434,381 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CVBL
- What is the company number of CVBL?
- The company number of CVBL is 0758.461.707. The VAT number is the same number with BE in front: BE 0758.461.707.
- Where is CVBL based?
- The registered office is at Avenue de la Coopération 6 / 7, 4630 Soumagne.Company details
- What does CVBL do?
- According to the KBO register, the main activity is limited-service restaurants, excluding mobile food services (NACE 56112).
- What is the legal form of CVBL?
- CVBL is a private limited company (BV).
- When was CVBL founded?
- CVBL was founded on 16-11-2020.
- Is CVBL still active?
- Yes, CVBL is an active enterprise in the KBO register.
- How many employees does CVBL have?
- CVBL had an average of 14 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does CVBL fall under?
- In its 2025 annual accounts, CVBL states joint committee 302 (Hotels and catering).
- What is the turnover of CVBL?
- The turnover in financial year 2025 is ≈ €1.2m. This figure is estimated from the gross margin of €434,381 and 37 comparable companies (NACE 56112). It probably lies between €1.0m and €1.4m.
- Is CVBL profitable?
- In financial year 2025, CVBL made a profit of €58,648.
- Where can I find the annual accounts of CVBL?
- CVBL filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CVBL due?
- CVBL must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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