Cyva
ActiveCyva has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27k and a net result of €37k. Equity is growing by ~24.6% per year across the filed fiscal years. Its solvency ranks better than 52% of 12690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency84▼-8
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.26 against 2.82 in 2024; short-term debt: 39.3% and cash: 83.4% of total assets), and 41.3% 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
58.7%
Return on assets
81.9%
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 02-07-2026, 29 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
29 d early
2024
29 d early
2023
35 d early
2022
33 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
€27k▼ 19.9%
2024 · €33k
2022: €16k
2023: €16k
2024: €33k
2022 → 2025
Total assets
€45k▼ 8.4%
2024 · €50k
2022: €40k
2023: €41k
2024: €50k
2022 → 2025
Net result
€37k▲ 88.1%
2024 · €20k
2022: €13k
2023: €6k
2024: €20k
2022 → 2025
Working capital
€22k▼ 19.7%
2024 · €28k
2022: €2k
2023: €6k
2024: €28k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€16k-€16k=€33k▲ 112%€27k▼ 19.9%
Operating result€21k-€10k▼ 50.9%€28k▲ 166%€50k▲ 80.5%
Net result€13k-€6k▼ 54.4%€20k▲ 241%€37k▲ 88.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 81% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €45k
Fixed assets
€5k▼ 17.9%
Current assets
€40k▼ 7.0%
Equity and liabilities €45k
Equity
€27k▼ 19.9%
Debt
€19k▲ 15.1%
The debt ratio rises from 32.9% to 41.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€54k▲
2024 · €32k
Cash flow
€41k▲
2024 · €24k
Solvency
58.7%▼
2024 · 67.1%
Current ratio
2.26▼
2024 · 2.82
Quick ratio
2.26▼
2024 · 2.82
Debt / equity
0.70▲
2024 · 0.49
ROE
139.6%▲
2024 · 59.4%
ROA
81.9%▲
2024 · 39.9%
Interest coverage
31.72▲
2024 · 30.74
Debt
€19k▲
2024 · €16k
Debt ≤ 1 year
€18k▲
2024 · €15k
Income taxes
€12k▲
2024 · €7k
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€50k€45k▼
Fixed assets21/28€6k€5k▼
Intangible fixed assets21€6k€2k▼
Tangible fixed assets22/27€73€3k▲
Furniture and vehicles24€73€0▼
Other tangible fixed assets26-€3k
Financial fixed assets28€100€100=
Current assets29/58€43k€40k▼
Amounts receivable within one year40/41€10k€2k▼
Trade receivables40€3k€2k▼
Other amounts receivable41€7k€537▼
Cash at bank and in hand54/58€33k€38k▲
Deferred charges and accrued income490/1€661€340▼
Equity and liabilities
Total equity and liabilities10/49€50k€45k▼
Equity10/15€33k€27k▼
Contributions10/11€3k€3k=
Reserves13€30k€24k▼
Distributable reserves133€30k€24k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€16k€19k▲
Amounts payable within one year42/48€15k€18k▲
Trade debts44€805€1k▲
Suppliers440/4€805€1k▲
Taxes, remuneration and social security45€12k€16k▲
Taxes450/3€12k€16k▲
Other amounts payable47/48€2k€300▼
Accrued charges and deferred income492/3€930€930=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▼
Other operating charges640/8€668€2k▲
Gross operating margin9900€32k€56k▲
Operating profit (loss)9901€28k€50k▲
Financial income75/76B€268€544▲
Recurring financial income75€268€544▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€27k€49k▲
Income taxes67/77€7k€12k▲
Profit (loss) for the period9904€20k€37k▲
Profit (loss) for the period to be appropriated9905€20k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€37k▲
Transfer from equity791/2-€18k
Transfer to equity691/2€18k€11k▼
To other reserves6921€18k€11k▼
Profit to be distributed694/7€2k€44k▲
Return on contributions (dividend)694€0€44k▲
Directors or managers695€2k€300▼
The notes to these accounts (14 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €37k ▲88.1%
Operating result €50k, net result €37k, both a record.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 2.82
Current ratio from 1.25 to 2.82; short-term debt falls from €25k to €15k.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €6k ▼54.4%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
28-06
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, Zemst · 1 establishment unit since 2021
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.
Sint-Pietersstraat 181980 ZemstGround area
1,128 m²
Building footprint
180 m²
Volume, LiDAR
873 m³
Parcel 23096C0601/00Z000, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Cyva
since 20212.321.257.708
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23096C0601/00Z000 | Flanders | 1,128 m² | 1 · 179 m² | 6.6 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
Eerdekens Avocats
BE 0767.949.196
Andenne · Eq €27k
CYRILLE BARETTE-AVOCAT
BE 0886.316.021
Sint-Pieters-Woluwe · Eq €27k
MDG LEGALE
BE 1011.066.434
Antwerpen · Eq €27k
Core Law
BE 1010.721.588
Sint-Pieters-Woluwe · Eq €27k
ADVOCATENKANTOOR IUS LINEA
BE 1018.449.421
Brussel · Eq €27k
Of 22,054 companies in sector 69101 we hold annual accounts for 9,053. 6,537 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-08-2021
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
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.