Skip to content

Kyvo

Active
Private limited companyfounded 20251 yr activePauwstraat 13, 9080 Lochristi, BelgiumKBO/BCE: BE 1018.207.119
Summary

Kyvo has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €55,794 and a net result of €52,794. Its solvency ranks better than 57% of 17179 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Checked score

Score 2025
Axes
Profitability100
Solvency91
Growth-
Track record67
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 2.88; short-term debt: 34% and cash: 72.5% of total assets), and 34% of the assets are financed with debt.
Credit check for your own amount and term

Open the credit simulator : see how the verdict changes with amount, term and advance.

Signals

Four 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
66%
Return on assets
62.4%
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 29-07-2026, 2 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
2 d early
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 3 January 2025, Kyvo was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

Go further with this company

Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, micro schema

Equity
€55,794
Total assets
€84,560
Net result
€52,794
Working capital
€54,014

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €84,560
Fixed assets €1,780
Current assets €82,780
Equity and liabilities €84,560
Equity €55,794
Debt €28,766
Debt finances 34.0% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€68,746
Cash flow
€54,601
Current ratio
2.88
Debt to equity
0.52
ROE
94.6%
ROA
62.4%
Interest coverage
1760.00
Debt ≤ 1 year
€28,766
Income taxes
€14,175

Peer companies

Historical observation

Of the 11,279 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
2.6% stopped otherwise
97% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 11,279 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 36 lines
Balance sheet Code2025
Assets
Total assets20/58€84,560
Fixed assets21/28€1,780
Tangible fixed assets22/27€1,780
Furniture and vehicles24€1,780
Current assets29/58€82,780
Amounts receivable within one year40/41€18,689
Trade receivables40€17,962
Other amounts receivable41€727
Cash at bank and in hand54/58€61,337
Deferred charges and accrued income490/1€2,754
Equity and liabilities
Total equity and liabilities10/49€84,560
Equity10/15€55,794
Contributions10/11€3,000
Reserves13€52,794
Distributable reserves133€52,794
Amounts payable17/49€28,766
Amounts payable within one year42/48€28,766
Trade debts44€3,985
Suppliers440/4€3,985
Taxes, remuneration and social security45€24,781
Taxes450/3€24,781
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,807
Other operating charges640/8€238
Gross operating margin9900€68,983
Operating profit (loss)9901€66,938
Financial income75/76B€69
Recurring financial income75€69
Financial charges65/66B€39
Recurring financial charges65€39
Profit (loss) for the period before taxes9903€66,968
Income taxes67/77€14,175
Profit (loss) for the period9904€52,794
Profit (loss) for the period to be appropriated9905€52,794
Appropriation of the result
Profit (loss) to be appropriated9906€52,794
Transfer to equity691/2€52,794
To other reserves6921€52,794

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,807
Other operating charges640/8€238
Gross operating margin9900€68,983
Operating profit (loss)9901€66,938
Financial income75/76B€69
Recurring financial income75€69
Financial charges65/66B€39
Recurring financial charges65€39
Profit (loss) for the period before taxes9903€66,968
Income taxes67/77€14,175
Profit (loss) for the period9904€52,794
Profit (loss) for the period to be appropriated9905€52,794
Line2025
Assets
Total assets20/58€84,560
Fixed assets21/28€1,780
Tangible fixed assets22/27€1,780
Furniture and vehicles24€1,780
Current assets29/58€82,780
Amounts receivable within one year40/41€18,689
Trade receivables40€17,962
Other amounts receivable41€727
Cash at bank and in hand54/58€61,337
Deferred charges and accrued income490/1€2,754
Equity and liabilities
Total equity and liabilities10/49€84,560
Equity10/15€55,794
Contributions10/11€3,000
Reserves13€52,794
Distributable reserves133€52,794
Amounts payable17/49€28,766
Amounts payable within one year42/48€28,766
Trade debts44€3,985
Suppliers440/4€3,985
Taxes, remuneration and social security45€24,781
Taxes450/3€24,781
Line2025
Profit (loss) for the period9904€52,794
+ Depreciation and write-downs630€1,807
Operating cash flow (approximation)€54,601

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

2026
29-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
1 act for this company is 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, Lochristi · 1 establishment unit since 2025
seat establishment The establishment unit on the map
Ground area
390 m²
Building footprint
75 m²
Volume, LiDAR
559 m³
Parcel 44034B0835/00H000, Flanders · tallest building 9.2 m, ±3 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
Kyvo
Pauwstraat 13, 9080 LochristiComputer programming
since 20252.368.548.176
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
44034B0835/00H000 Flanders 390 m² 1 · 75 m² 9.2 m · 3 fl.
Linked by address, not proof of ownership
Good to know
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

Of 30,007 companies in sector 62200 we hold annual accounts for 18,396. 15,375 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded03-01-2025
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
62100Computer programming
70200Business and other management consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID 0208:1018207119
Also 9925:BE1018207119
Registered 02-04-2025

Register as of 26 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.