Equity
€85,128 ▲ 13.8%
CVO has made a profit without a break since 2023.
CVO
Lifetime
20 annual accounts with figures on one time axis, 25 filings since 2002peak €70,446 (2017)
€31,770▼ 23.6%
lowest -€32,511 (2008)
€10,319▼ 51.8%
peak €85,128 (2026)
€85,128▲ 13.8%
€12,747▼ 50.4%
Board2 names since 2022
2 directorsde BANDT Olivia and 1 other
Documentsfilings and deeds
03-11-20263 days late
2026abbreviated format
Gross margin from €41,572 to €31,770Result from €21,423 to €10,319Equity from €74,809 to €85,128Debts from €25,711 to €12,747Investments €27,311Cash from €3,741 to €215
Key points
from the 2026 annual accountsTurnover
≈ €83,000 estimated
The accounts state no turnover.
Investments
€27,311 2.1 × depreciation
Green is investment, beige is depreciation. Machinery stands 15.3% higher than in 2025.
Liquidity
3.55 was 2.41 in 2025
Short-term debts fell from €25,711 to €12,747.
Filings
25 annual accounts since 2002
The 2026 accounts came 3 days late. The other nine of the last ten were filed on time.
Position in the sector
87.0%
Higher solvency than 82% of companies in head offices and management consultancy. Sector median 54.4% · 565 companies.
Checked score
89
Excellent
Financially stronger than 56% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025lowest value
05-2025: 0.1%● unchanged vs 04-2025lowest value
06-2025: 0.1%● unchanged vs 05-2025lowest value
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.2%▲ +0.1 percentage points vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 3.55, cash €215, halved
Size: total assets €97,875
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Founded in 2000
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 86% of them on solvency, 29% on liquidity, 49% on profitability and 61% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-03-2026.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 31,368 companies had the same profile as CVO has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of CVO itself: 0.2% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 31,368 companies, not a prediction for CVO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €7,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.55 (2.41 in 2025), above the usual 1.5. Short-term debt is 13% and cash 0.2% of total assets. 13% of the assets are financed with debt and provisions.
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Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 03-11-2026, 3 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2026
3 days late
2025
on the day
2024
4 days early
2023
7 days early
2022
28 days early
2021
59 days early
2020
30 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 18 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today. The company usually files around 27 October (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-03-2027 year end31-10-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0472324177
General meeting · Director resignation
Gazette deed
Founder · Incorporation
Gazette deed
First establishment
Clem. Vanophemstraat 21, Overijse
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CVO Overijse | €97,875 | €31,770 | 87.0% | - |
| CALLEBAUT Haacht | €92,390 | €30,920 | 66.6% | - |
| HI DESIGN Zaventem | €96,335 | €28,066 | 86.7% | 0.9 |
| TRUST DEVELOPMENT Glabbeek | €93,916 | €34,674 | 53.3% | - |
| WPPM, print&production management Asse | €93,385 | €28,333 | 0.0% | - |
| UNITED PARTNERS SERVICES Diest | €97,136 | €31,768 | 99.4% | - |
| Shiftⁿ Huldenberg | €119,122 | €27,406 | 50.5% | - |
These companies have the same main activity as CVO: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €92,400 and €119,000, founded between 1995 and 2003.
Official details
Source: KBO- Status
- Active since 07-07-2000Normal situation
- Activity
- Business and other management consultancyNACE 70200and 1 other
- Establishment unit
- 2.116.697.5743090 Overijse, since 13-11-2001
- Financial year end
- 31 March
- Peppol
- Reachable since 13-10-2025
Insights on CVO
CVO files the abbreviated format. That format states no turnover. The gross margin rose from €10,331 in 2007 to €31,770 in 2026.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CVO
- What is the company number of CVO?
- The company number of CVO is 0472.324.177. The VAT number is the same number with BE in front: BE 0472.324.177.
- Where is CVO based?
- The registered office is at Clem. Vanophemstraat 21, 3090 Overijse.Company details
- What does CVO do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of CVO?
- CVO is a private limited company (pre-2019) (BVBA).
- When was CVO founded?
- CVO was founded on 07-07-2000.
- Is CVO still active?
- Yes, CVO is an active enterprise in the KBO register.
- What is the turnover of CVO?
- The turnover in financial year 2026 is ≈ €83,000. This figure is estimated from the gross margin of €31,770 and 69 comparable companies (NACE 70200). It probably lies between €51,000 and €120,000.Financials
- Is CVO profitable?
- In financial year 2026, CVO made a profit of €10,319.
- Where can I find the annual accounts of CVO?
- CVO filed 25 annual accounts with the National Bank of Belgium, the latest for financial year 2026.
- When are the next annual accounts of CVO due?
- CVO must file the annual accounts for financial year 2027 by 31-10-2027.Timeline
Next steps
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