CVM Management
ActiveCVM Management has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €8k. Equity is growing by ~53.1% per year across the filed fiscal years. Its solvency ranks better than 69% of 7740 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▼-9
Solvency96▲+8
Growth78=
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 3.3 against 2.36 in 2024; short-term debt: 28.6% and cash: 89.8% of total assets), and 28.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
71.4%
Return on assets
17.7%
Age of the figures
9 mo
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 01-07-2026, 30 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
30 d early
2024
23 d early
2023
11 d early
2022
19 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€34k▲ 33.1%
2024 · €26k
2022: €10k
2023: €15k
2024: €26k
2022 → 2025
Total assets
€48k▲ 17.9%
2024 · €41k
2022: €28k
2023: €35k
2024: €41k
2022 → 2025
Net result
€8k▼ 21.5%
2024 · €11k
2022: €8k
2023: €5k
2024: €11k
2022 → 2025
Working capital
€32k▲ 55.4%
2024 · €20k
2022: €4k
2023: €7k
2024: €20k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€10k-€15k▲ 53.8%€26k▲ 72.9%€34k▲ 33.1%
Operating result€10k-€7k▼ 24.3%€15k▲ 103%€13k▼ 11.9%
Net result€8k-€5k▼ 32.2%€11k▲ 109%€8k▼ 21.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €48k
Fixed assets
€3k▼ 51.1%
Current assets
€45k▲ 28.5%
Equity and liabilities €48k
Equity
€34k▲ 33.1%
Debt
€14k▼ 8.2%
The debt ratio falls from 36.8% to 28.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€16k▼
2024 · €18k
Cash flow
€11k▼
2024 · €14k
Solvency
71.4%▲
2024 · 63.2%
Current ratio
3.30▲
2024 · 2.36
Quick ratio
3.30▲
2024 · 2.29
Debt / equity
0.40▼
2024 · 0.58
ROE
24.9%▼
2024 · 42.2%
ROA
17.7%▼
2024 · 26.7%
Interest coverage
31.60▲
2024 · 30.07
Debt
€14k▼
2024 · €15k
Debt ≤ 1 year
€14k▼
2024 · €15k
Income taxes
€4k▲
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€41k€48k▲
Fixed assets21/28€5k€3k▼
Tangible fixed assets22/27€5k€3k▼
Plant, machinery and equipment23€1k€1k▼
Furniture and vehicles24€4k€1k▼
Current assets29/58€35k€45k▲
Stocks and contracts in progress3€1k€0▼
Stocks30/36€1k€0▼
Amounts receivable within one year40/41-€2k
Trade receivables40-€1k
Other amounts receivable41-€423
Cash at bank and in hand54/58€34k€43k▲
Deferred charges and accrued income490/1€554€457▼
Equity and liabilities
Total equity and liabilities10/49€41k€48k▲
Equity10/15€26k€34k▲
Contributions10/11€2k€2k=
Reserves13€24k€32k▲
Distributable reserves133€24k€32k▲
Amounts payable17/49€15k€14k▼
Amounts payable within one year42/48€15k€14k▼
Trade debts44€169€2k▲
Suppliers440/4€169€2k▲
Taxes, remuneration and social security45€14k€12k▼
Taxes450/3€14k€12k▼
Other amounts payable47/48€441€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€20k€19k▼
Operating profit (loss)9901€15k€13k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€594€508▼
Recurring financial charges65€594€508▼
Profit (loss) for the period before taxes9903€15k€13k▼
Income taxes67/77€4k€4k▲
Profit (loss) for the period9904€11k€8k▼
Profit (loss) for the period to be appropriated9905€11k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€8k▼
Transfer to equity691/2€11k€8k▼
To other reserves6921€11k€8k▼
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
Next filing, fiscal year 2026, expected by
2026
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €11k ▲109%
Operating result €15k, net result €11k, both a record.
20-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €5k ▼32.2%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Antwerpen · 1 establishment unit since 2022
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.
Lange Dijkstraat 182060 AntwerpenGround area
147 m²
Building footprint
125 m²
Volume, LiDAR
1,625 m³
Parcel 11807G0195/00L015, Flanders · tallest building 17.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
CVM Management
since 20222.332.328.970
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11807G0195/00L015 | Flanders | 147 m² | 1 · 125 m² | 17.4 m · 5 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.
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 6,517 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-06-2022
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.