Summary
CVVC is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €362k and a net result of €103k. Equity is growing by ~21.5% per year across the filed fiscal years. Its solvency ranks better than 83% of 2435 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 30-06-2026, 31 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
31 d early
2024
28 d early
2023
5 d early
2022
29 d late
2021
13 d early
2020
10 d late
2019
38 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€362k▲ 22.0%
2024 · €297k
2018: €47k
2019: €103k
2020: €141k
2021: €185k
2022: €221k
2023: €286k
2024: €297k
2018 → 2025
Net result
€103k▲ 25.2%
2024 · €83k
2018: €28k
2019: €56k
2020: €39k
2021: €44k
2022: €65k
2023: €76k
2024: €83k
2018 → 2025
Total assets
€426k▲ 17.2%
2024 · €364k
2018: €80k
2019: €124k
2020: €154k
2021: €198k
2022: €261k
2023: €309k
2024: €364k
2018 → 2025
Solvency
85.0%▲ 3.3pp
2024 · 81.6%
2018: 58.5%
2019: 82.6%
2020: 92.0%
2021: 93.3%
2022: 84.7%
2023: 92.8%
2024: 81.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€185k-€221k▲ 19.7%€286k▲ 29.4%€297k▲ 3.7%€362k▲ 22.0%
Operating result€61k-€91k▲ 48.6%€106k▲ 16.6%€113k▲ 7.3%€140k▲ 23.3%
Net result€44k-€65k▲ 49.0%€76k▲ 17.4%€83k▲ 8.4%€103k▲ 25.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 23% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €426k
Fixed assets
€102k ▲ 15.9%
Current assets
€324k ▲ 17.6%
Equity and liabilities €426k
Equity
€362k ▲ 22.0%
Debt
€64k ▼ 4.1%
Debt's share of the balance-sheet total falls from 18.4% to 15.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
28.5%▲
2024 · 27.8%
ROA
24.2%▲
2024 · 22.7%
Debt ≤ 1 year
€64k▼
2024 · €65k
Income taxes
€43k▲
2024 · €33k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€364k€426k▲
Fixed assets21/28€88k€102k▲
Tangible fixed assets22/27€38k€27k▼
Furniture and vehicles24€31k€21k▼
Other tangible fixed assets26€7k€6k▼
Financial fixed assets28€50k€75k▲
Current assets29/58€276k€324k▲
Amounts receivable within one year40/41€21k€22k▲
Trade receivables40€19k€20k▲
Other amounts receivable41€2k€2k=
Current investments50/53€72k€96k▲
Cash at bank and in hand54/58€176k€199k▲
Deferred charges and accrued income490/1€7k€7k▲
Equity and liabilities
Total equity and liabilities10/49€364k€426k▲
Equity10/15€297k€362k▲
Contributions10/11€3k€3k=
Reserves13€294k€360k▲
Distributable reserves133€294k€360k▲
Profit (loss) carried forward14€109€109=
Amounts payable17/49€67k€64k▼
Amounts payable within one year42/48€65k€64k▼
Trade debts44€1k€312▼
Suppliers440/4€1k€312▼
Taxes, remuneration and social security45€11k€27k▲
Taxes450/3€11k€27k▲
Remuneration and social security454/9-€178
Other amounts payable47/48€53k€36k▼
Accrued charges and deferred income492/3€2k€569▼
Income statement
Code20242025
Non-recurring operating income76A-€11k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▼
Other operating charges640/8€803€551▼
Gross operating margin9900€125k€151k▲
Operating profit (loss)9901€113k€140k▲
Financial income75/76B€3k€7k▲
Recurring financial income75€3k€7k▲
Financial charges65/66B€723€248▼
Recurring financial charges65€723€248▼
Profit (loss) for the period before taxes9903€116k€146k▲
Income taxes67/77€33k€43k▲
Profit (loss) for the period9904€83k€103k▲
Profit (loss) for the period to be appropriated9905€83k€103k▲
Appropriation of the result
Profit (loss) to be appropriated9906€83k€103k▲
Profit (loss) brought forward from the previous period14P€96€109▲
Transfer from equity791/2€56k€38k▼
Transfer to equity691/2€83k€103k▲
To other reserves6921€83k€103k▲
Profit to be distributed694/7€56k€38k▼
Return on contributions (dividend)694€56k€38k▼
The notes to these accounts (10 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €103k ▲25.2%
Operating result €140k, net result €103k, both a record.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Equity above €200kEq €221k ▲19.7%
5 profitable years in a row build equity to €221k.
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €185k ▲30.8%
4 profitable years in a row build equity to €185k.
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 10 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 10.13
Current ratio from 4.41 to 10.13; short-term debt falls from €22k to €12k.
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity triplescurrent ratio 4.41
Current ratio from 1.59 to 4.41; short-term debt falls from €32k to €22k.
Show earlier events
31-12
Financial
Equity above €100kEq €103k ▲120%
2 profitable years in a row build equity to €103k.
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Grez-Doiceau · 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.
Rue des Combattants 71390 Grez-DoiceauGround area
1,082 m²
Building footprint
83 m²
Volume, LiDAR
739 m³
Parcel 25037A0204/00Z000, Wallonia · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CVVC
since 20172.270.326.966
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25037A0204/00Z000 | Wallonia | 1,082 m² | 1 · 83 m² | 9.8 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
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SITL PARTNERS
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CRYSLAND BRUXELLES
BE 0462.294.278
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Of 1,507 companies in sector 66199 we hold annual accounts for 917. 623 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-11-2017
Fiscal year end31-12
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.