Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of Qovera is 2.4% (moderate). The 2025 annual accounts show equity of €1.62M and a net result of €292k. Its solvency ranks better than 28% of 999 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone2.4%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Annual accounts: healthy financial profile
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Timeline
What happened to this company, by date
State Gazette, CBE and NBB in one series · 0 of 4 acts readfiscal year 2026 expected by 31-07-2027
2026
09-07-2026 NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
04-03-2026 State Gazette act Statutes amendment
De akte regelt de conversie van gewone aandelen van soort B naar preferente aandelen van soort A, de uitgifte van nieuwe aandelen om het eigen vermogen te verhogen, de verzaking aan het voorkeurrecht … · Jan KINDERMANS
2025
30-06-2025 NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema
10-04-2025 State Gazette act Capital & shares
v3.2
18-02-2025 State Gazette act Statutes amendment
v3.2
2024
10-04-2024 State Gazette act Incorporation
oprichting
Financials
Equity€1.62M+50.2%
Total assets€7.31M+16.3%
Net result€292k+5406.9%
Working capital€-708k+62.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Figures by fiscal year
Source: NBB · 2025Annual accounts filed on 09-07-2026 with the NBB · fiscal year 2025 · abbreviated schema
Sector comparison
Fiscal year 2024 · NACE 43, Specialised construction · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 17.2% | 35.4% | |
| Net result | €5k | €31k | |
| Equity | €1.08M | €122k | |
| Gross operating margin | €98k | €174k | |
| Total assets | €6.29M | €528k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€292k
+5406.9%
24-25
€7.31M
+16.3%
24-25
€1.62M
+50.2%
24-25
€-708k
+62.7%
24-25
€95k
+5176.5%
24-25
€5.69M
+9.3%
24-25
€1.09M
-48.3%
24-25
€4.48M
+48.6%
24-25
0.35
+259.5%
24-25
0.35
+259.5%
24-25
22.2%
+29.1%
24-25
3.51
-27.3%
24-25
18.0%
+3566.9%
24-25
4.0%
+4635.7%
24-25
Figures by fiscal year and ratios
| Fiscal year | 2025 |
|---|---|
| Deposit | abbreviated schema |
| Revenue | - |
| EBITDA | - |
| Net profit | €292k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | €95k |
| Dividends | - |
| Total assets | €7.31M |
| Equity | €1.62M |
| Debt | €5.69M |
| of which ≤ 1y | €1.09M |
| of which > 1y | €4.48M |
| Working capital | €-708k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 0.35 |
| Quick ratio | 0.35 |
| Working capital ratio | -9.7% |
| Solvency | 22.2% |
| Debt / equity | 3.51 |
| Long-term debt ratio | 2.76 |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | 4.0% |
| ROE | 18.0% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €7.31M |
| Fixed assets | 21/28 | €6.94M |
| Financial fixed assets | 28 | €6.94M |
| Current assets | 29/58 | €377k |
| Amounts receivable within one year | 40/41 | €270k |
| Cash & bank | 54/58 | €60k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €7.31M |
| Equity | 10/15 | €1.62M |
| Contributions / capital | 10/11 | €1.32M |
| Reserves | 13 | €143k |
| Accumulated profits (losses) | 14 | €154k |
| Amounts payable | 17/49 | €5.69M |
| Amounts payable after one year | 17 | €4.48M |
| Amounts payable within one year | 42/48 | €1.09M |
| Trade debts payable within one year | 44 | €70k |
| Income statement | ||
| Gross operating margin | 9900 | €595k |
| Operating result | 9901 | €594k |
| Financial charges | 65 | €206k |
| Result before taxes | 9903 | €387k |
| Income taxes | 67/77 | €95k |
| Net result for the period | 9904 | €292k |
| Result to be appropriated | 9905 | €149k |
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan.
See plans →
Ratios computed by Checked.
Signals
Signals
Gazette, CBE, filings and accounts in one listLatest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
No strikeouts found in the KBO publications · how complete this is
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Filing history by fiscal year and how the deadline is computed
Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | 09-07-2026 | 22 d early | 2026-00292744 |
| 31-12-2024 | 31-07-2025 | 30-06-2025 | 31 d early | 2025-00211747 |
Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Structure & network
Connections & network
1 connected companyGroup structure
We sit on their board · 1 subsidiary · 1 location
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Ownership & control
1 partyQoveraBE 1008.120.802
controls
Where this company holds controlthis company sits on their board1
1 subsidiary · 1 location
Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Groeningenlei 162550 KontichEstablishment units
1 locationGroeningenlei 16, 2550 Kontich
since 20242.388.281.639
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area5,003 m²
Buildings1
Building footprint685 m²
Volume (LiDAR)7,725 m³
Tallest building12.8 m · ±4 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11024B0084/00R000 | Flanders | 5,003 m² | 1 · 685 m² | 12.8 m · 4 fl. |
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.
Analysis
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 1,278 of the 8,524 companies in this sector. 327 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Dakwerkzaamheden43410Installatie van isolatie43230Isolatiewerkzaamheden43291
Primary activity highlighted.
Names & trade names
| Legal nameNL | Qovera |
Registered office
Groeningenlei 16
2550 Kontich, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.