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CERVIN

Active
KBO/BCE: BE 0804.566.401
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Age3 yrs
Real estate1 parcel · 6,816 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of CERVIN is 0.4% (very low). The 2025 annual accounts show equity of €162k and a net result of €106k. Its solvency ranks better than 79% of 4723 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

2 signals · with evidence
Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 79% of 4723 peers (2025). A comfortable equity buffer.
View the sector comparison
Consistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 30-06. 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 30-06-2025, that is 31-01-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
30-06-2025 31-01-2026 30-01-2026 1 d early 2026-00020007
30-06-2024 31-01-2025 31-01-2025 on the day 2025-00019928

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. 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.

Trust signals

2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.4% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€106k+99.3%
Working capital€129k+993.5%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 30-01-2026 with the NBB · fiscal year 2025 · micro
€0€50k€100k€150kOperating result 2024: €68k€68kNet result 2024: €53k€53kOperating result 2025: €135k€135kNet result 2025: €106k€106k20242025
Operating resultNet result
Sector comparison
Fiscal year 2025 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 81.6% 55.5%
better than 79% of 4723 sector peers
Net result €106k €38k
better than 86% of 4722 sector peers
Equity €162k €64k
better than 76% of 4723 sector peers
Gross operating margin €149k €61k
better than 86% of 4715 sector peers
Total assets €199k €146k
better than 62% of 4723 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€148k
+98.7% 24-25
Net profit
€106k
+99.3% 24-25
Cash flow
€119k
+97.6% 24-25
Total assets
€199k
+45.8% 24-25
Equity
€162k
+183.5% 24-25
Working capital
€129k
+993.5% 24-25
Income taxes
€31k
+116.7% 24-25
Dividends
€833
-3.0% 24-25
Debt
€37k
-53.9% 24-25
Debt ≤ 1y
€36k
-54.2% 24-25
Current ratio
4.56
+297.0% 24-25
Quick ratio
4.56
+297.0% 24-25
Solvency
81.6%
+94.4% 24-25
Debt / equity
0.22
-83.7% 24-25
ROE
65.2%
-29.7% 24-25
ROA
53.3%
+36.7% 24-25
Interest coverage
188.98
-26.6% 24-25
Figures by fiscal year
Fiscal year2025
Depositmicro
Revenue-
EBITDA€148k
Net profit€106k
Cash flow€119k
Staff costs-
Income taxes€31k
Dividends€833
Total assets€199k
Equity€162k
Debt€37k
of which ≤ 1y€36k
of which > 1y-
Working capital€129k
Employees (FTE)-
Ratios (computed)
2025
Current ratio4.56
Quick ratio4.56
Working capital ratio64.9%
Solvency81.6%
Debt / equity0.22
Long-term debt ratio-
Interest coverage188.98
Gross margin-
Net margin-
ROA53.3%
ROE65.2%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€199k
Fixed assets 21/28€34k
Tangible fixed assets 22/27€34k
Current assets 29/58€165k
Amounts receivable within one year 40/41€104k
Cash & bank 54/58€59k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€199k
Equity 10/15€162k
Contributions / capital 10/11€5k
Reserves 13€157k
Amounts payable 17/49€37k
Amounts payable within one year 42/48€36k
Trade debts payable within one year 44€11k
Income statement
Gross operating margin 9900€149k
Operating result 9901€135k
Financial income 75€2k
Financial charges 65€786
Result before taxes 9903€137k
Income taxes 67/77€31k
Net result for the period 9904€106k
Result to be appropriated 9905€106k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
100 / 100 Excellent
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Legeweg 2128020 Oostkamp

Establishment units

1 location
CERVIN
Legeweg 212, 8020 OostkampOverige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering
since 20232.348.935.865
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area6,816 m²
Buildings1
Building footprint342 m²
Volume (LiDAR)1,769 m³
Tallest building11.2 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels 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.
31022A0058/00F000 Flanders 6,816 m² 1 · 342 m² 11.2 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health100Profitability100Solvency100Growth78Stability94
94 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100
Profitability 100
Solvency 100
Growth 78
Stability 94

Ask AI about this company

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Credit advice

verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 15,318 of the 81,985 companies in this sector. 11,991 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
Legal nameNL CERVIN
Registered office
Legeweg 212
8020 Oostkamp, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.