CVMO AUDIT
ActiveCVMO AUDIT has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €412k and a net result of €96k. Equity is growing by ~44.6% per year across the filed fiscal years. Its solvency ranks better than 56% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
60
/ 100
Healthy▼ -3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency66▼-1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.27 against 0.35 in 2024), and 37.3% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
62.7%
Return on assets
14.6%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-08-2026, 23 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 · 8 filingsDeviation from the deadline
2025
23 d late
2024
12 d late
2023
28 d late
2022
6 d early
2021
4 d late
2020
9 d late
2019
45 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€412k▼ 7.6%
2024 · €446k
2018: €31k
2019: €89k
2020: €137k
2021: €206k
2022: €333k
2023: €409k
2024: €446k
2018 → 2025
Total assets
€657k▲ 1.3%
2024 · €649k
2018: €112k
2019: €138k
2020: €647k
2021: €628k
2022: €704k
2023: €670k
2024: €649k
2018 → 2025
Net result
€96k▼ 0.6%
2024 · €97k
2018: €52k
2019: €81k
2020: €66k
2021: €104k
2022: €157k
2023: €106k
2024: €97k
2018 → 2025
Working capital
€-178k▼ 33.8%
2024 · €-133k
2018: €-59k
2019: €19k
2020: €-478k
2021: €-413k
2022: €-275k
2023: €-184k
2024: €-133k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€206k-€333k▲ 61.6%€409k▲ 22.9%€446k▲ 9.2%€412k▼ 7.6%
Operating result€124k-€186k▲ 49.3%€127k▼ 31.9%€113k▼ 10.8%€121k▲ 7.1%
Net result€104k-€157k▲ 50.4%€106k▼ 32.3%€97k▼ 8.9%€96k▼ 0.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 7% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €657k
Fixed assets
€590k▲ 1.9%
Current assets
€67k▼ 4.0%
Equity and liabilities €657k
Equity
€412k▼ 7.6%
Debt
€245k▲ 20.8%
The debt ratio rises from 31.2% to 37.3%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€131k▲
2024 · €130k
Cash flow
€106k▼
2024 · €114k
Solvency
62.7%▼
2024 · 68.8%
Current ratio
0.27▼
2024 · 0.35
Quick ratio
0.27▼
2024 · 0.35
Debt / equity
0.59▲
2024 · 0.45
ROE
23.3%▲
2024 · 21.7%
ROA
14.6%▼
2024 · 14.9%
Interest coverage
57.68▲
2024 · 40.04
Debt
€245k▲
2024 · €203k
Debt ≤ 1 year
€245k▲
2024 · €203k
Income taxes
€22k▲
2024 · €21k
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€649k€657k▲
Fixed assets21/28€579k€590k▲
Intangible fixed assets21€0-
Tangible fixed assets22/27€18k€29k▲
Plant, machinery and equipment23€1k€738▼
Furniture and vehicles24€3k€20k▲
Other tangible fixed assets26€14k€8k▼
Financial fixed assets28€561k€561k=
Current assets29/58€70k€67k▼
Amounts receivable within one year40/41€36k€47k▲
Trade receivables40€31k€43k▲
Other amounts receivable41€5k€4k▼
Cash at bank and in hand54/58€29k€20k▼
Deferred charges and accrued income490/1€5k€0▼
Equity and liabilities
Total equity and liabilities10/49€649k€657k▲
Equity10/15€446k€412k▼
Contributions10/11€1k€1k=
Reserves13€40k€0▼
Distributable reserves133€40k€0▼
Profit (loss) carried forward14€405k€411k▲
Amounts payable17/49€203k€245k▲
Amounts payable within one year42/48€203k€245k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€6k€13k▲
Suppliers440/4€6k€13k▲
Taxes, remuneration and social security45€5k€9k▲
Taxes450/3€5k€9k▲
Other amounts payable47/48€191k€224k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€10k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€131k€132k▲
Operating profit (loss)9901€113k€121k▲
Financial income75/76B€8k€0▼
Recurring financial income75€8k€0▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€118k€118k▲
Income taxes67/77€21k€22k▲
Profit (loss) for the period9904€97k€96k▼
Profit (loss) for the period to be appropriated9905€97k€96k▼
Appropriation of the result
Profit (loss) to be appropriated9906€435k€501k▲
Profit (loss) brought forward from the previous period14P€339k€405k▲
Transfer from equity791/2€29k€40k▲
Profit to be distributed694/7€59k€130k▲
Return on contributions (dividend)694€29k€100k▲
Directors or managers695€30k€30k=
The notes to these accounts (11 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
23-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 23 days late
2025
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €157k ▲50.4%
Operating result €186k, net result €157k, both a record.
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2021
31-12
Financial
Equity above €200kEq €206k ▲50.7%
4 profitable years in a row build equity to €206k.
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
31-12
Financial
Equity above €100kEq €137k ▲53%
3 profitable years in a row build equity to €137k.
14-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 45 days late
2019
31-12
Financial
Liquidity times 5current ratio 1.40
Current ratio from 0.28 to 1.40; short-term debt falls from €82k to €49k.
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Schaarbeek · 1 establishment unit since 2017
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.
Mimosasstraat 81030 SchaarbeekGround area
434 m²
Building footprint
143 m²
Volume, LiDAR
1,156 m³
Parcel 21903B0232/00Z000, Brussels · tallest building 13.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CVMO AUDIT
since 20172.267.730.237
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21903B0232/00Z000 | Brussels | 434 m² | 1 · 143 m² | 13.4 m · 3 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.
Similar companies · same sector, comparable size
EVRARD-VAN INGELGOM & C°
BE 0420.632.184
Chaudfontaine · Eq €413k
NIKITA
BE 0473.566.767
Elsene · Eq €413k
MANOU ROTTIERS SERVICES
BE 0807.215.291
Aartselaar · Eq €412k
ETS
BE 0715.847.528
Dilbeek · Eq €412k
MED-I-MART
BE 0809.238.534
Heers · Eq €413k
Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 36,031 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-09-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.