CDSV
ActiveCDSV has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €24k and a net result of €22k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 19% of 16527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▲+11
Solvency44=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.07 against 1.16 in 2024; short-term debt: 58% and cash: 34.6% of total assets), and 81.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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
18.6%
Return on assets
16.7%
Age of the figures
9 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 16527 sector peers (2025).
NBB · sector comparisonPosition among 16527 sector peers
Solvency
better than 19%
← 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 02-04-2026, 120 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
120 d early
2024
29 d late
2023
47 d late
2022
31 d late
2021
29 d late
2020
31 d late
2019
34 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€24k▼ 42.5%
2024 · €43k
2019: €12k
2020: €68k
2021: €68k
2022: €68k
2023: €88k
2024: €43k
2019 → 2025
Total assets
€131k▼ 39.9%
2024 · €219k
2019: €153k
2020: €203k
2021: €224k
2022: €222k
2023: €216k
2024: €219k
2019 → 2025
Net result
€22k▲ 17.4%
2024 · €19k
2019: €34
2020: €56k
2021: €14k
2022: €14k
2023: €20k
2024: €19k
2019 → 2025
Working capital
€6k▼ 72.5%
2024 · €20k
2019: €-23k
2020: €45k
2021: €24k
2022: €23k
2023: €59k
2024: €20k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€68k-€68k=€88k▲ 29.7%€43k▼ 51.8%€24k▼ 42.5%
Operating result€21k-€21k▲ 3.0%€31k▲ 45.5%€26k▼ 14.9%€31k▲ 19.0%
Net result€14k-€14k▼ 0.4%€20k▲ 43.5%€19k▼ 7.7%€22k▲ 17.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 19% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €131k
Fixed assets
€50k▼ 26.9%
Current assets
€82k▼ 45.7%
Equity and liabilities €131k
Equity
€24k▼ 42.5%
Debt
€107k▼ 39.2%
The debt ratio rises from 80.5% to 81.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€53k▲
2024 · €52k
Cash flow
€44k▼
2024 · €44k
Solvency
18.6%▼
2024 · 19.5%
Current ratio
1.07▼
2024 · 1.16
Quick ratio
1.07▼
2024 · 1.16
Debt / equity
4.37▲
2024 · 4.13
ROE
89.5%▲
2024 · 43.8%
ROA
16.7%▲
2024 · 8.5%
Interest coverage
25.75▲
2024 · 20.25
Debt
€107k▼
2024 · €176k
Debt ≤ 1 year
€76k▼
2024 · €130k
Debt > 1 year
€31k▼
2024 · €44k
Income taxes
€9k▲
2024 · €8k
Staff costs
€71k▼
2024 · €77k
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€219k€131k▼
Fixed assets21/28€68k€50k▼
Tangible fixed assets22/27€68k€49k▼
Land and buildings22€24k€19k▼
Plant, machinery and equipment23€38k€26k▼
Furniture and vehicles24€5k€5k▼
Financial fixed assets28€160€160=
Current assets29/58€151k€82k▼
Amounts receivable within one year40/41€42k€26k▼
Trade receivables40€939-
Other amounts receivable41€41k€26k▼
Cash at bank and in hand54/58€93k€45k▼
Deferred charges and accrued income490/1€16k€11k▼
Equity and liabilities
Total equity and liabilities10/49€219k€131k▼
Equity10/15€43k€24k▼
Contributions10/11€19k€19k=
Reserves13€34€34=
Non-distributable reserves130/1€34€34=
Reserves not available under the articles1311€34€34=
Profit (loss) carried forward14€24k€6k▼
Amounts payable17/49€176k€107k▼
Amounts payable after more than one year17€44k€31k▼
Financial debts170/4€44k€31k▼
Amounts payable within one year42/48€130k€76k▼
Current portion of amounts payable after more than one year42€18k€18k▲
Trade debts44€24k€10k▼
Suppliers440/4€24k€10k▼
Taxes, remuneration and social security45€18k€8k▼
Remuneration and social security454/9€18k€8k▼
Other amounts payable47/48€71k€40k▼
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Remuneration, social security and pensions62€77k€71k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€22k▼
Other operating charges640/8€421€400▼
Gross operating margin9900€129k€125k▼
Operating profit (loss)9901€26k€31k▲
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€27k€31k▲
Income taxes67/77€8k€9k▲
Profit (loss) for the period9904€19k€22k▲
Profit (loss) for the period to be appropriated9905€19k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€95k€46k▼
Profit (loss) brought forward from the previous period14P€76k€24k▼
Profit to be distributed694/7€71k€40k▼
Return on contributions (dividend)694€71k€40k▼
The notes to these accounts (7 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
02-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
16-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 47 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2019net €56k ▲165307%
Operating result €64k, net result €56k, both a record.
31-12
Financial
Liquidity times 6current ratio 2.21
Current ratio from 0.34 to 2.21.
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 34 days late
Financial milestoneNBB 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, Chastre · 1 establishment unit since 2018
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.
Rue G. Delvaux 21450 ChastreGround area
643 m²
Building footprint
154 m²
Volume, LiDAR
781 m³
Parcel 25022A0150/00R003, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CDSV
since 20182.279.382.511
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25022A0150/00R003 | Wallonia | 643 m² | 1 · 154 m² | 8.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via establishment units: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 6,942 companies in sector 86230 we hold annual accounts for 4,291. 2,360 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-07-2018
Fiscal year end31-12
Activities, NACEBEL
86230Dental practice
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:dentiste.sophie.vellut@gmail.com
Phone:0496795917