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CVL-IMMO

Active
Private limited companyfounded 20242 yrs activeCooremannekens (BAA) 4, 9200 Dendermonde, BelgiumKBO/BCE: BE 1014.283.171
Summary

The computed 12-month bankruptcy probability of CVL-IMMO is 3.2% (moderate). The 2025 annual accounts show equity of €240,121 and a net result of -€124,879. The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability4
Solvency48
Growth-
Track record67
Bankruptcy probability, 12 months
3.2% 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 2.51; short-term debt: 3.3% and cash: 7.7% of total assets), but 77.3% of the assets are financed with debt.
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Signals

Three 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
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 03-07-2026, 28 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
28 d early
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 27 September 2024, CVL-IMMO was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€240,121
Total assets
€1.1m
Net result
-€124,879
Working capital
€52,947

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €1.1m
Fixed assets €970,014
Current assets €87,914
Equity and liabilities €1.1m
Equity €240,121
Debt €817,806
Debt finances 77.3% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
-€60,944
Cash flow
-€94,893
Current ratio
2.51
Debt to equity
3.41
ROE
-52.0%
ROA
-11.8%
Interest coverage
-1.80
Debt ≤ 1 year
€34,967
Debt > 1 year
€782,840

Peer companies

Historical observation

Of the 688 companies that looked in July 2024 the way this one looks now, 5.2% went bankrupt within 24 months and 89% are still going.

  • Small
  • solvency 10 to 30%
  • a loss of 10% of the balance sheet or more
  • without age
5.2% went bankrupt
4.4% stopped otherwise
89% still going

A further 1.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 3.2% 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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.9%
9 3.0% 3.1%
10 5.6% 6.2%

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 688 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
Filed annual accounts As filed with the NBB · 2025 · 31 lines
Balance sheet Code2025
Assets
Total assets20/58€1.1m
Fixed assets21/28€970,014
Tangible fixed assets22/27€970,014
Land and buildings22€970,014
Current assets29/58€87,914
Amounts receivable within one year40/41€6,836
Trade receivables40€5,336
Other amounts receivable41€1,500
Cash at bank and in hand54/58€81,078
Equity and liabilities
Total equity and liabilities10/49€1.1m
Equity10/15€240,121
Contributions10/11€365,000
Profit (loss) carried forward14-€124,879
Amounts payable17/49€817,806
Amounts payable after more than one year17€782,840
Financial debts170/4€782,840
Amounts payable within one year42/48€34,967
Current portion of amounts payable after more than one year42€32,819
Trade debts44€38
Suppliers440/4€38
Other amounts payable47/48€2,110
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29,986
Other operating charges640/8€125,995
Gross operating margin9900€65,051
Operating profit (loss)9901-€90,930
Financial charges65/66B€33,949
Recurring financial charges65€33,949
Profit (loss) for the period before taxes9903-€124,879
Profit (loss) for the period9904-€124,879
Profit (loss) for the period to be appropriated9905-€124,879
Appropriation of the result
Profit (loss) to be appropriated9906-€124,879

The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29,986
Other operating charges640/8€125,995
Gross operating margin9900€65,051
Operating profit (loss)9901-€90,930
Financial charges65/66B€33,949
Recurring financial charges65€33,949
Profit (loss) for the period before taxes9903-€124,879
Profit (loss) for the period9904-€124,879
Profit (loss) for the period to be appropriated9905-€124,879
Line2025
Assets
Total assets20/58€1.1m
Fixed assets21/28€970,014
Tangible fixed assets22/27€970,014
Land and buildings22€970,014
Current assets29/58€87,914
Amounts receivable within one year40/41€6,836
Trade receivables40€5,336
Other amounts receivable41€1,500
Cash at bank and in hand54/58€81,078
Equity and liabilities
Total equity and liabilities10/49€1.1m
Equity10/15€240,121
Contributions10/11€365,000
Profit (loss) carried forward14-€124,879
Amounts payable17/49€817,806
Amounts payable after more than one year17€782,840
Financial debts170/4€782,840
Amounts payable within one year42/48€34,967
Current portion of amounts payable after more than one year42€32,819
Trade debts44€38
Suppliers440/4€38
Other amounts payable47/48€2,110
Line2025
Profit (loss) for the period9904-€124,879
+ Depreciation and write-downs630€29,986
Operating cash flow (approximation)-€94,893

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
03-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
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, Dendermonde · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
3,000 m²
Building footprint
712 m²
Volume, LiDAR
4,096 m³
Parcel 42002B0793/00A000, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CVL-IMMO
Cooremannekens (BAA) 4, 9200 DendermondeRenting and operating of own or leased residential real estate, excluding social housing
since 20242.364.765.374
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
42002B0793/00A000 Flanders 3,000 m² 1 · 712 m² 6.5 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Identification & contact

Identification
Legal formPrivate limited company
Founded27-09-2024
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.