Summary
CVBIOCONSULTING 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 €19k and a net result of €259k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 8023 sector peers (fiscal year 2025). The company has been active since 2016 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 check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 8023 sector peers (2025).
NBB · sector comparisonPosition among 8023 sector peers
Solvency
better than 12%
← weakest
strongest →
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 07-07-2026, 24 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
24 d early
2024
27 d early
2023
7 d early
2022
12 d early
2021
30 d late
2020
30 d late
2019
11 d late
← 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
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€19k=
2024 · €19k
2018: €109k
2019: €249k
2020: €249k
2021: €22k
2022: €22k
2023: €19k
2024: €19k
2018 → 2025
Net result
€259k▼ 14.7%
2024 · €304k
2018: €83k
2019: €128k
2020: €128k
2021: €95k
2022: €139k
2023: €225k
2024: €304k
2018 → 2025
Total assets
€359k▲ 0.3%
2024 · €358k
2018: €143k
2019: €299k
2020: €299k
2021: €133k
2022: €213k
2023: €317k
2024: €358k
2018 → 2025
Solvency
5.2%=
2024 · 5.2%
2018: 75.9%
2019: 83.3%
2020: 83.3%
2021: 16.6%
2022: 10.4%
2023: 5.9%
2024: 5.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€22k▲ 1.3%€19k▼ 16.6%€19k=€19k=
Operating result€123k-€183k▲ 49.4%€299k▲ 63.2%€404k▲ 35.2%€346k▼ 14.4%
Net result€95k-€139k▲ 46.9%€225k▲ 61.6%€304k▲ 35.1%€259k▼ 14.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 14% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €359k
Fixed assets
€4k ▼ 2.9%
Current assets
€355k ▲ 0.4%
Equity and liabilities €359k
Equity
€19k =
Debt
€340k ▲ 0.3%
Debt's share of the balance-sheet total stays at 94.8%.
Key figures and ratios
ROA
72.3%▼
2024 · 85.0%
Debt ≤ 1 year
€338k▼
2024 · €339k
Income taxes
€85k▼
2024 · €99k
A ratio outside any meaningful range has been withheld (balance sheet total €359k, equity €19k).
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€358k€359k▲
Fixed assets21/28€4k€4k▼
Tangible fixed assets22/27€4k€4k▼
Furniture and vehicles24€206-
Leasing and similar rights25€495-
Other tangible fixed assets26€3k€4k▲
Current assets29/58€354k€355k▲
Amounts receivable within one year40/41€230k€42k▼
Trade receivables40€230k€42k▼
Cash at bank and in hand54/58€120k€308k▲
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€358k€359k▲
Equity10/15€19k€19k=
Contributions10/11€19k€19k=
Amounts payable17/49€339k€340k▲
Amounts payable within one year42/48€339k€338k▼
Trade debts44€910€2k▲
Suppliers440/4€910€2k▲
Taxes, remuneration and social security45€34k€113k▲
Taxes450/3€34k€108k▲
Remuneration and social security454/9-€4k
Other amounts payable47/48€304k€223k▼
Accrued charges and deferred income492/3€17€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€975€1k▲
Gross operating margin9900€407k€348k▼
Operating profit (loss)9901€404k€346k▼
Financial income75/76B€1k€491▼
Recurring financial income75€1k€491▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€403k€344k▼
Income taxes67/77€99k€85k▼
Profit (loss) for the period9904€304k€259k▼
Profit (loss) for the period to be appropriated9905€304k€259k▼
Appropriation of the result
Profit (loss) to be appropriated9906€304k€259k▼
Profit to be distributed694/7€304k€259k▼
Return on contributions (dividend)694€304k€259k▼
The notes to these accounts (5 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
04-03
State Gazette act
Board meeting · Director appointment
Permanent representative
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €304k ▲35.1%
Operating result €404k, net result €304k, both a record.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
11-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 11 days late
2019
31-12
Financial
Equity above €200kEq €249k ▲129%
2 profitable years in a row build equity to €249k.
25-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 56 days late
2018
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 56 days late
Financial milestoneState Gazette actNBB 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, Merelbeke-Melle · 1 establishment unit since 2016
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.
Zwijnaardsesteenweg 799820 Merelbeke-MelleGround area
469 m²
Building footprint
94 m²
Volume, LiDAR
712 m³
Parcel 44412B0185/00G002, Flanders · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CVBIOCONSULTING
since 20162.257.922.250
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44412B0185/00G002 | Flanders | 469 m² | 1 · 94 m² | 11.5 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.
Structure & network
Connections & network
1 connected companyLinked via shared directors
Shared director
→
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IVES VAN WINGENE
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 7,163 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
Founded28-09-2016
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.