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CVL Solutions

Active
Private limited companyfounded 20251 yr activeChurchilllaan 7, 2900 Schoten, BelgiumKBO/BCE: BE 1019.067.944
Summary

The computed 12-month bankruptcy probability of CVL Solutions is 2.5% (moderate). The 2025 annual accounts show negative equity (-€51,734) and a net result of -€55,734. The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability1
Solvency12
Growth-
Track record67
Bankruptcy probability, 12 months
2.5% Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.29; short-term debt: 15.1% and cash: 4.2% of total assets), and equity is negative.
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Signals

Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
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 1 year 0 10 y
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 2025
Solvency, return and age of the figures
Solvency
-13.5%
Return on assets
-14.5%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filing
Deviation from the deadline
2025
11 d late
← 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

CVL Solutions was incorporated on 22 January 2025 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, abbreviated schema

Equity
-€51,734
Total assets
€383,890
Net result
-€55,734
Working capital
-€41,507

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

Balance-sheet composition
Assets €383,890
Fixed assets €367,273
Current assets €16,617
Key figures and ratios
2025 value
EBITDA
-€45,629
Cash flow
-€45,673
Solvency
-13.5%
Current ratio
0.29
Debt to equity
-8.42
ROA
-14.5%
Interest coverage
-1037.02
Debt
€435,623
Debt ≤ 1 year
€58,124
Debt > 1 year
€377,499

Peer companies

Historical observation

Of the 1,323 companies that looked in July 2024 the way this one looks now, 3.6% went bankrupt within 24 months and 90% are still going.

  • Micro
  • under 2 years old
  • negative equity
  • a loss of 10% of the balance sheet or more
3.6% went bankrupt
5.6% stopped otherwise
90% still going

A further 0.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 2.5% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

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 1,323 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 · 30 lines
Balance sheet Code2025
Assets
Total assets20/58€383,890
Fixed assets21/28€367,273
Intangible fixed assets21€81,616
Tangible fixed assets22/27€283,364
Land and buildings22€279,968
Furniture and vehicles24€3,396
Financial fixed assets28€2,292
Current assets29/58€16,617
Cash at bank and in hand54/58€16,149
Deferred charges and accrued income490/1€468
Equity and liabilities
Total equity and liabilities10/49€383,890
Equity10/15-€51,734
Contributions10/11€4,000
Profit (loss) carried forward14-€55,734
Amounts payable17/49€435,623
Amounts payable after more than one year17€377,499
Financial debts170/4€377,499
Amounts payable within one year42/48€58,124
Current portion of amounts payable after more than one year42€13,501
Other amounts payable47/48€44,623
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10,061
Other operating charges640/8€5,096
Gross operating margin9900-€40,533
Operating profit (loss)9901-€55,690
Financial charges65/66B€44
Recurring financial charges65€44
Profit (loss) for the period before taxes9903-€55,734
Profit (loss) for the period9904-€55,734
Profit (loss) for the period to be appropriated9905-€55,734
Appropriation of the result
Profit (loss) to be appropriated9906-€55,734

The notes to these accounts (17 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€10,061
Other operating charges640/8€5,096
Gross operating margin9900-€40,533
Operating profit (loss)9901-€55,690
Financial charges65/66B€44
Recurring financial charges65€44
Profit (loss) for the period before taxes9903-€55,734
Profit (loss) for the period9904-€55,734
Profit (loss) for the period to be appropriated9905-€55,734
Line2025
Assets
Total assets20/58€383,890
Fixed assets21/28€367,273
Intangible fixed assets21€81,616
Tangible fixed assets22/27€283,364
Land and buildings22€279,968
Furniture and vehicles24€3,396
Financial fixed assets28€2,292
Current assets29/58€16,617
Cash at bank and in hand54/58€16,149
Deferred charges and accrued income490/1€468
Equity and liabilities
Total equity and liabilities10/49€383,890
Equity10/15-€51,734
Contributions10/11€4,000
Profit (loss) carried forward14-€55,734
Amounts payable17/49€435,623
Amounts payable after more than one year17€377,499
Financial debts170/4€377,499
Amounts payable within one year42/48€58,124
Current portion of amounts payable after more than one year42€13,501
Other amounts payable47/48€44,623
Line2025
Profit (loss) for the period9904-€55,734
+ Depreciation and write-downs630€10,061
Operating cash flow (approximation)-€45,673

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
11-08
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema · 11 days late
NBB filing
0 of 4 acts read
About the unread acts

We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
4 acts for this company are 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, Schoten · 1 establishment unit since 2025
seat establishment The establishment unit on the map
Ground area
176 m²
Building footprint
167 m²
Volume, LiDAR
1,440 m³
Parcel 11442C2024/00D000, Flanders · tallest building 14.3 m, ±3 floors. Linked by address, not a title deed.
3 companies at this address See who is registered here
1 establishment unit
CVL Solutions
Churchilllaan 7, 2900 SchotenOther activities auxiliary to financial services, excluding insurance and pension funding
since 20252.369.497.984
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11442C2024/00D000 Flanders 176 m² 1 · 166 m² 14.3 m · 3 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
Founded22-01-2025
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID 0208:1019067944
Registered 03-02-2026

Register as of 27 September 2026 · Peppol Directory

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