CVO
ActiveCVO has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75k and a net result of €21k. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 70% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+6
Solvency99▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.41 against 3.07 in 2024; short-term debt: 25.6% and cash: 3.7% of total assets), and 25.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
4 d early
2023
7 d early
2022
28 d early
2021
59 d early
2020
30 d early
2019
71 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close22-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€75k▲ 40.3%
2024 · €53k
2019: €49k
2020: €50k
2021: €53k
2022: €41k
2023: €43k
2024: €53k
2019 → 2025
Total assets
€101k▲ 51.8%
2024 · €66k
2019: €59k
2020: €56k
2021: €66k
2022: €52k
2023: €51k
2024: €66k
2019 → 2025
Net result
€21k▲ 101%
2024 · €11k
2019: €84
2020: €1k
2021: €4k
2022: €-12k
2023: €1k
2024: €11k
2019 → 2025
Working capital
€36k▲ 35.5%
2024 · €27k
2019: €46k
2020: €30k
2021: €39k
2022: €29k
2023: €37k
2024: €27k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€53k-€41k▼ 22.9%€43k▲ 3.5%€53k▲ 24.9%€75k▲ 40.3%
Operating result€5k-€-13k€11k€15k▲ 36.4%€29k▲ 91.6%
Net result€4k-€-12k€1k€11k▲ 643%€21k▲ 101%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 92% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €101k
Fixed assets
€39k▲ 45.1%
Current assets
€62k▲ 56.2%
Equity and liabilities €101k
Equity
€75k▲ 40.3%
Debt
€26k▲ 99.1%
The debt ratio rises from 19.5% to 25.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€37k▲
2024 · €21k
Cash flow
€30k▲
2024 · €16k
Solvency
74.4%▼
2024 · 80.5%
Current ratio
2.41▼
2024 · 3.07
Quick ratio
2.41▼
2024 · 3.07
Debt / equity
0.34▲
2024 · 0.24
ROE
28.6%▲
2024 · 20.0%
ROA
21.3%▲
2024 · 16.1%
Interest coverage
49.82▲
2024 · 29.26
Debt
€26k▲
2024 · €13k
Debt ≤ 1 year
€26k▲
2024 · €13k
Income taxes
€8k▲
2024 · €5k
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€66k€101k▲
Fixed assets21/28€27k€39k▲
Tangible fixed assets22/27€27k€39k▲
Plant, machinery and equipment23€24k€37k▲
Other tangible fixed assets26€2k€1k▼
Current assets29/58€40k€62k▲
Amounts receivable within one year40/41€34k€58k▲
Trade receivables40€15k€15k▲
Other amounts receivable41€19k€43k▲
Cash at bank and in hand54/58€6k€4k▼
Equity and liabilities
Total equity and liabilities10/49€66k€101k▲
Equity10/15€53k€75k▲
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€45k€67k▲
Amounts payable17/49€13k€26k▲
Amounts payable within one year42/48€13k€26k▲
Trade debts44€5k€11k▲
Suppliers440/4€5k€11k▲
Taxes, remuneration and social security45€8k€14k▲
Taxes450/3€8k€14k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€9k▲
Other operating charges640/8€6k€4k▼
Gross operating margin9900€26k€42k▲
Operating profit (loss)9901€15k€29k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€705€751▲
Recurring financial charges65€705€751▲
Profit (loss) for the period before taxes9903€15k€30k▲
Income taxes67/77€5k€8k▲
Profit (loss) for the period9904€11k€21k▲
Profit (loss) for the period to be appropriated9905€11k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€45k€67k▲
Profit (loss) brought forward from the previous period14P€35k€45k▲
The notes to these accounts (6 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €21k ▲101%
Operating result €29k, net result €21k, both a record.
2024
27-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
24-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
2022
03-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Weakest financial yearnet €-12k ▼446%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
2021
02-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
01-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Overijse · 1 establishment unit since 2001
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.
Clem. Vanophemstraat 213090 OverijseGround area
1.0 ha
Building footprint
189 m²
Volume, LiDAR
1,274 m³
Parcel 23062B0399/00V000, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Clem. Vanophemstraat 21, 3090 Overijse
since 20012.116.697.574
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23062B0399/00V000 | Flanders | 1.0 ha | 1 · 189 m² | 10.6 m · 2 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
Voedselveiligheid & Kwaliteit
BE 0708.863.924
Kalmthout · Eq €75k
Sofiekup
BE 0792.165.148
Antwerpen · Eq €75k
HV GROUP
BE 0686.892.236
Kortrijk · Eq €75k
Luxane
BE 0799.924.059
Vilvoorde · Eq €75k
KEMPISCH MOSSELBEDRIJF
BE 0826.448.512
Lier · Eq €75k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 39,898 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded07-07-2000
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
68110Buying and selling of own real estate
70120
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.