Turnover
≈ €170,000 estimated
The micro format states no turnover.
LARVES
Overview
Lifetime
1 annual account with figurespeak €14,243 (2025)
€14,243
peak €11,257 (2025)
€11,257
peak €21,257 (2025)
€21,257
€146,057
Board1 name since 2024
1 directorMOREIRA DE CARVALHO José Paulo
Documentsfilings and deeds
02-02-20262 days late
2025micro format
First year with figures
Key points
from the 2025 annual accountsDebts
€146,057 87% of the balance sheet
Suppliers 94%Taxes and wages 6%
Starting capital
€10,000 100 shares
2025 accounts filed 2 days after the deadline
Checked score
35
Weak
Financially stronger than 18% of micro companies in construction of buildings (NACE 41)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
5.1% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,460 companies (NACE 41, micro).
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
07-2025: 3.6%lowest value
08-2025: 3.7%▲ +0.1 percentage points vs 07-2025
09-2025: 3.8%▲ +0.1 percentage points vs 08-2025
10-2025: 4.2%▲ +0.4 percentage points vs 09-2025
11-2025: 4.2%● unchanged vs 10-2025
12-2025: 4.6%▲ +0.4 percentage points vs 11-2025
01-2026: 5.0%▲ +0.4 percentage points vs 12-2025
02-2026: 5.0%● unchanged vs 01-2026
03-2026: 5.0%● unchanged vs 02-2026
04-2026: 5.0%● unchanged vs 03-2026
05-2026: 5.3%▲ +0.3 percentage points vs 04-2026
06-2026: 5.5%▲ +0.2 percentage points vs 05-2026
07-2026: 5.5%● unchanged vs 06-2026highest value
08-2026: 5.5%● unchanged vs 07-2026highest value
09-2026: 5.5%● unchanged vs 08-2026highest value
10-2026: 5.1%▼ -0.4 percentage points vs 09-2026
11-2026: 5.1%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Founded in 2024
Sector: Construction of residential and non-residential buildings (NACE 41)
Size: total assets €167,314
Liquidity: current ratio 1.14, cash €1,371
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 41, micro). It does better than 20% of them on solvency, 5% on liquidity and 31% on profitability.
The bankruptcy probability was computed on 10-11-2026 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 30-06-2025.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% 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, 7,976 companies had the same profile as LARVES has now. Each dot stands for 20 companies, two years later.
94.3%
were still trading
1.8%
stopped another way
3.6%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of LARVES itself is higher: 5.1% within 12 months. It rests on far more data about LARVES than the profile alone.
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 7,976 companies, not a prediction for LARVES. 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 €500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity is tight, with a current ratio of 1.14, below the usual 1.5. Short-term debt is 87.3% and cash 0.8% of total assets. 87.3% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
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
Six signals.
raises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 9462 sector peers (2025).
NBB · sector comparisonPosition among 9462 sector peers
Solvency
better than 20%
← weakest
strongest →
raises risk · 2025 accounts filed 2 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
2 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- MOREIRA DE CARVALHO José Paulo 60 sharesdeed of 17-06-2024
- LAROCK Jean-Paul 20 sharesdeed of 17-06-2024
- DA MOTA CARVALHO Eduardo 20 sharesdeed of 17-06-2024
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1010346654
Incorporation
Founding capital of €10,000, 100 shares · Founders: MOREIRA DE CARVALHO José Paulo (comparant), LAROCK Jean-Paul (comparant) and DA MOTA CARVALHO Eduardo (comparant) · Appointment: MOREIRA DE CARVALHO José Paulo (director) · published on 17-06-2024 · Gazette deed
First establishment
Brusselstraat 360, Dilbeek
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| LARVES Dilbeek | €167,314 | €14,243 | 12.7% | - |
| STAR PRO Linkebeek | €172,944 | €17,081 | 25.2% | - |
| Lembelg Construct Geel | €162,264 | €15,599 | 28.1% | - |
| GILBERT & ZONEN Beernem | €165,787 | €18,070 | 9.8% | - |
| Nide Works Braine-l'Alleud | €162,242 | €18,038 | 14.2% | - |
| Demeulemeester Glenn Menen | €177,700 | €17,961 | 18.7% | - |
| Edifice Projects Beersel | €191,824 | €14,558 | 8.7% | - |
These companies have the same main activity as LARVES: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €162,000 and €192,000, founded in 2024.
Official details
Source: KBO- Status
- Active since 13-06-2024Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 4 others
- Establishment unit
- 2.361.256.2511702 Dilbeek, since 13-06-2024
- Financial year end
- 30 June
- Peppol
- Reachable since 13-01-2026
Insights on LARVES
The computed 12-month bankruptcy probability of LARVES is 5.1% (elevated). The 2025 annual accounts show equity of €21,257 and a net result of €11,257.
Its solvency ranks better than 20% of 9,462 sector peers (NACE 41, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 02-02-2026, 2 days late€14,243
€14,243
€11,257
€20,857
12.7%
1.14
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €170,000. Estimated: probably between €89,000 and €310,000.
Balance sheet
balance sheet total €167,314 on 30-06-2025What the company ownsHow it is paid for
Position in the sector
12.7%
Higher than 20% of 9,462 companies in 2025.
1.14
Higher than 29% of 9,210 companies in 2025.
6.7%
Higher than 50% of 9,282 companies in 2025.
LARVES
Middle half of the sector
80% of the sector
Micro accounts in construction of buildings (NACE 41)
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
167,314 | |
21/28 |
400 | |
28 |
400 | |
29/58 |
166,914 | |
40/41 |
165,544 | |
40 |
164,968 | |
41 |
575 | |
54/58 |
1,371 | |
| Balance sheet: equity and liabilities | ||
10/49 |
167,314 | |
10/15 |
21,257 | |
10/11 |
10,000 | |
14 |
11,257 | |
17/49 |
146,057 | |
42/48 |
146,057 | |
44 |
136,838 | |
440/4 |
136,838 | |
45 |
9,213 | |
450/3 |
3,413 | |
454/9 |
5,800 | |
47/48 |
6 | |
| Income statement | ||
9900 |
14,243 | |
9901 |
14,243 | |
65/66B |
171 | |
65 |
171 | |
9903 |
14,072 | |
67/77 |
2,814 | |
9904 |
11,257 | |
9905 |
11,257 | |
| Appropriation of the result | ||
9906 |
11,257 | |
| Document | ||
The notes to these accounts have 3 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 02-02-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 2 days after the deadline. Filed on 2 February 2026, deadline 31 January 2026 (7 months after the close on 30 June 2025, Companies Code art. 3:10). Source: NBB, 2026-00031240.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-06-2025 | micro format | 02-02-2026 | 2026-00031240 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 20,857 | ||
| 12.7% | ||
| 1.14 | ||
| 6.87 | ||
| 53.0% | ||
| 6.7% |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Insights on LARVES
Debt's share of the balance-sheet total is 87.3%.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 13-06-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 02-02-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “TITEL IV. BESTUUR - CONTROLE Artikel 10. Bestuursorgaan De vennootschap wordt bestuurd door één of meer bestuurders, natuurlijke personen of…”deed of 17-06-2024
Mandates through the years
1 name, the dashed line is todayMOREIRA DE CARVALHO José Paulo
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- MOREIRA DE CARVALHO José Paulo
- Director (not named in the articles), from 13-06-2024 to date
Control
Founders
MOREIRA DE CARVALHO José Paulo, LAROCK Jean-Paul, DA MOTA CARVALHO Eduardo
This company
LARVES
Equity €21,257
Profit €11,257 in 2025
Capital
- Contribution
- €10,000
- Shares
- 100
- Contribution per share
- €100
- Equity per share
- €213 in 2025
- Source
- deed of 17-06-2024
Articles of association
deed of 17-06-2024 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Procedure- en expertisekosten voor helft overdrager en helft koper(s),naar evenredigheid aantal bij meer kopers, elke overdracht onder…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of October at 18:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 17-06-2024 ↗
- MOREIRA DE CARVALHO José Paulo 60 shares (60%) · €4,000
- LAROCK Jean-Paul 20 shares (20%) · €4,000
- DA MOTA CARVALHO Eduardo 20 shares (20%) · €4,000
Network & group
No group
LARVES has no parent and no holdings in its annual accounts. MOREIRA DE CARVALHO José Paulo is the only director. LARVES shares no director with another company.
Timeline
Timeline
4 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 2 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:1010346654
2024
IncorporationFounding capital of €10,000, 100 shares · Founders: MOREIRA DE CARVALHO José Paulo (comparant), LAROCK Jean-Paul (comparant) and DA MOTA CARVALHO Eduardo (comparant) · Appointment: MOREIRA DE CARVALHO José Paulo (director) · published on 17-06-20247 points ▸
- Founder, MOREIRA DE CARVALHO José Paulo (comparant)
- Founder, LAROCK Jean-Paul (comparant)
- Founder, DA MOTA CARVALHO Eduardo (comparant)
- Founding capital, €10,000, 100 shares
- Registered office clause, Brusselstraat 360, 1702 Dilbeek
- Board rule, 1
- Director appointment, MOREIRA DE CARVALHO José Paulo (director (not named in the articles))
- The deed holds 4 more points.
First establishment Brusselstraat 360, Dilbeek
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1010.346.654
- VAT number
- BE 1010.346.654
- Peppol ID
- 0208:1010346654
- Other Peppol ID
- 9925:BE1010346654
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 13-06-2024
- Financial year
- ends on 30 June
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of October at 18:00deed of 17-06-2024 (in Dutch)
- Peppol
- Reachable since 13-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- LARVES in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 17-06-2024 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 17-06-2024 (in Dutch)
Activities
NACEBEL 202541001
General construction of residential buildings main activity
Codes under NACEBEL 2008
41201
General construction of buildings main activity
43390
Specialised construction activities
81210
General cleaning of buildings
81220
Other building cleaning and industrial cleaning
81290
Services to buildings and landscape activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Reparatie en onderhoud van verwarmingsinstallaties; Reparatie van elektrische apparatuur; Bouw van water- en gasdistributienetten; Bouw van…”deed of 17-06-2024 (in Dutch)
46 activities
- Reparatie en onderhoud van verwarmingsinstallaties
- Reparatie van elektrische apparatuur
- Bouw van water- en gasdistributienetten
- Bouw van rioleringen
- Aanleg van waterdistributienetten en rioleringen
- Aanleg van pijpleidingen voor het vervoer van gas,petroleumproducten,enz.
- Aanleg van leidingen voor het vervoer en distributie van elektrische energie
- Aanleg van telecommunicatielijnen en -netten
- Elektrotechnische installatiewerken aan gebouwen
- Elektrotechnische installatiewerken,uitgezonderd aan gebouwen
- Loodgieterswerk
- Installatie van verwarming,klimaatregeling en ventilatie
- Vervaardiging van metalen constructiewerken of gebinten voor de bouw
- Vervaardiging van geprefabriceerde gebouwen,overwegend van metaal: bouwketen,modulaire tentoonstellingselementen,telefooncellen,enz.
- Onderhouds- en herstellingswerken van mechanische aard voor rekening van derden
- Bouw van autowegen,straten en andere wegen en paden voor voertuigen en voetgangers (inclusief het plaatsen van vangrails)
- Onderneming voor het boren en aanleggen van waterputten,graven van mijnschachten
- Aanleg van telecommunicatielijnen en -netten
- Grondverzet: graven,ophogen,egaliseren en nivelleren van bouwterreinen,graven van sleuven en geulen,verwijderen van rotsen,grondverzet met behulp van explosieven
- Ruimen van bouwterreinen
- Proefboren en boren
- Onderneming voor de installatie van de bedrading voor telefooninstallaties en computersystemen
- Isolatiewerkzaamheden
- Aanbrengen in gebouwen en andere bouwwerken van: - thermische isolatiemateriaal - isolatiemateriaal tegen geluid en trillingen
- Isolatiewerkzaamheden aan verwarmingsleidingen en leidingen van koelsystemen
- Isolatie van koelkamers en -pakhuizen
- Installatie van stores en zonneschermen
- Onderneming voor de installatie van antennes en bliksemafleiders
- Schilderen van schepen en boten door niet-gespecialiseerde eenheden
- Reinigen van nieuwe gebouwen na beëindiging van de bouwwerkzaamheden
- Gevelreiniging
- Gevelreiniging door middel van zandstralen,met behulp van stoom,enz.
- Onderneming voor het uitvoeren van voegwerken
- Onderneming voor het bouwen van funderingen,inclusief heien
- Onderneming voor het monteren van niet-zelf vervaardigde metalen constructiewerken
- Onderneming voor het uitvoeren van hijs- en hefwerkzaamheden voor rekening van derden
- Onderneming voor het optrekken en afbreken van steigers en werkplatforms
- Algemene reiniging van gebouwen
- Overige reiniging van gebouwen; industriële reiniging
- Reinigen van het interieur van allerlei gebouwen: kantoren,fabrieken,werkplaatsen,allerlei commerciële gebouwen,appartementsgebouwen,enz.
- Lappen van ramen
- Schoorsteenvegen en het schoonmaken van vuurplaatsen,kachels,ovens,ketels van centrale verwarming,ventilatiekanalen en uitlaatsystemen
- Reinigen van het interieur van allerlei gebouwen: kantoren,fabrieken,werkplaatsen,allerlei commerciële gebouwen,appartementsgebouwen,enz.
- Lappen van ramen
- Andere reinigingsactiviteiten
- Reinigen van treinen,bussen,vliegtuigen,schepen,enz.,inclusief olietankers
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Brusselstraat 360 registered office 1702 Dilbeek | 13-06-2024 | 2.361.256.251 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1010.346.654