Equity
-€40,656
Debts exceed assets in financial year 2025.
CVD INVEST - IMMO
Lifetime
15 annual accounts with figures on one time axispeak €17,629 (2014)
€11,733▼ 0.1%
lowest -€13,908 (2013)
€791▲ 79.8%
peak €854 (2011)
-€40,656▲ €791
€344,303▼ 1.9%
Board1 name since 2021
1 directorCLEMMEN Julien Armand
Documentsfilings and deeds
17-06-202644 days before the deadline
2025micro format
Result from €440 to €791Cash from €9,336 to €17,179
Key points
from the 2025 annual accountsProfit
6 years
6 profitable years in a row. Profit 2025: €791.
Turnover
≈ €49,000 estimated
The accounts state no turnover.
Debts
€344,303 113% of the balance sheet
Suppliers 0%Taxes and wages 0%Other 100%
Filings
15 annual accounts since 2011
The last five annual accounts were filed 34 to 44 days before the end of the period.
Position in the sector
-€40,656
Less equity than 88% of companies in real estate. Sector median €73,055 · 17,210 companies.
Checked score
54
Fair
Financially stronger than 32% of micro companies in real estate (NACE 68)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%highest value
01-2025: 0.4%● unchanged vs 12-2024
02-2025: 0.4%● unchanged vs 01-2025
03-2025: 0.4%● unchanged vs 02-2025
04-2025: 0.4%● unchanged vs 03-2025
05-2025: 0.4%● unchanged vs 04-2025
06-2025: 0.4%● unchanged vs 05-2025
07-2025: 0.4%● unchanged vs 06-2025highest value
08-2025: 0.4%● unchanged vs 07-2025highest value
09-2025: 0.4%● unchanged vs 08-2025highest value
10-2025: 0.4%● unchanged vs 09-2025highest value
11-2025: 0.4%● unchanged vs 10-2025highest value
12-2025: 0.4%● unchanged vs 11-2025highest value
01-2026: 0.4%● unchanged vs 12-2025
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026lowest value
07-2026: 0.4%● unchanged vs 06-2026
08-2026: 0.4%● unchanged vs 07-2026
09-2026: 0.4%● unchanged vs 08-2026
10-2026: 0.4%● unchanged vs 09-2026
11-2026: 0.4%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€40,656
Founded in 2010
lowers risk
Size: total assets €303,647
Sector: Real estate activities (NACE 68)
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 68, micro). It does better than 12% of them on solvency, 9% on liquidity, 57% on profitability and 52% 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 very low class on 30-06-2025, 0.1% 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, 1,379 companies had the same profile as CVD INVEST - IMMO has now. Each dot stands for 4 companies, two years later.
94.3%
were still trading
3.2%
stopped another way
2.4%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of CVD INVEST - IMMO itself is lower: 0.4% within 12 months. It rests on far more data about CVD INVEST - IMMO 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 1,379 companies, not a prediction for CVD INVEST - IMMO. 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
No credit on open account
Liquidity is insufficient, with a current ratio of 0.05 (0.05 in 2024), below 1. Short-term debt is 113.4% and cash 5.7% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 17194 sector peers (2025).
NBB · sector comparisonPosition among 17194 sector peers
Solvency
better than 11%
← weakest
strongest →
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 17-06-2026, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
44 days early
2024
38 days early
2023
42 days early
2022
40 days early
2021
34 days early
2020
39 days early
2019
36 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 39 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% 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 21 June (5 of the last 5 accounts filed within 30 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
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0830697211
Resignation: CLEMMEN Julien Armand (manager)
Reappointment: CLEMMEN Julien Armand (director) · “Effectuer pour elle-même,l’achat,la vente,la location,ainsi que la constitution de baux emphytéotiques,contrat…” (deed in French) · CLEMMEN Julien Armand holds all the shares · General meeting of 16-11-2023 · Gazette deed
First establishment
CVD INVEST-IMMO, Rue Adjudant Kumps 22, Villers-la-Ville
Incorporation
published on 10-11-2010 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CVD INVEST - IMMO Villers-la-Ville | €303,647 | €11,733 | -13.4% | - |
| IMMO-F.EU Lasne | €333,985 | €13,273 | 78.5% | - |
| BAREXCO Braine-l'Alleud | €279,198 | €7,427 | 96.4% | - |
| AVIMORE Woluwe-Saint-Lambert | €298,483 | €9,867 | 83.1% | - |
| PROMACON Bilzen-Hoeselt | €239,078 | €10,941 | 58.7% | - |
| Luxus Oostende Ostend | €378,137 | €10,968 | 98.9% | 0 |
| MP BUILDING Laarne | €234,442 | €15,755 | 86.9% | - |
These companies have the same main activity as CVD INVEST - IMMO: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €234,000 and €378,000, founded between 2010 and 2012.
Official details
Source: KBO- Status
- Active since 14-10-2010Normal situation
- Activity
- Development of residential building projectsNACE 68121and 2 others
- Establishment unit
- 2.193.439.8181495 Villers-la-Ville, since 01-11-2010
- Financial year end
- 31 December
- Peppol
- Reachable since 15-11-2025
Annual accounts 2025
- €303,647▼ 1.9%
- Filing
- Filed on 17-06-2026, 44 days before the end of the filing period
Insights on CVD INVEST - IMMO
CVD INVEST - IMMO files the micro format. That format states no turnover. The gross margin rose from -€5,404 in 2011 to €11,733 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 CVD INVEST - IMMO
- What is the company number of CVD INVEST - IMMO?
- The company number of CVD INVEST - IMMO is 0830.697.211. The VAT number is the same number with BE in front: BE 0830.697.211.
- Where is CVD INVEST - IMMO based?
- The registered office is at Rue Adjudant Kumps 22, 1495 Villers-la-Ville.Company details
- What does CVD INVEST - IMMO do?
- According to the KBO register, the main activity is development of residential building projects (NACE 68121).
- What is the legal form of CVD INVEST - IMMO?
- CVD INVEST - IMMO is a private limited company (BV).
- When was CVD INVEST - IMMO founded?
- CVD INVEST - IMMO was founded on 14-10-2010.
- Is CVD INVEST - IMMO still active?
- Yes, CVD INVEST - IMMO is an active enterprise in the KBO register.
- What is the turnover of CVD INVEST - IMMO?
- The turnover in financial year 2025 is ≈ €49,000. This figure is estimated from the gross margin of €11,733 and 48 comparable companies (NACE 68121). It probably lies between €24,000 and €150,000. It is a rough estimate.Financials
- Is CVD INVEST - IMMO profitable?
- In financial year 2025, CVD INVEST - IMMO made a profit of €791.
- Where can I find the annual accounts of CVD INVEST - IMMO?
- CVD INVEST - IMMO filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CVD INVEST - IMMO due?
- CVD INVEST - IMMO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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