Cveco
ActiveSummary
Cveco has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €311k and a net result of €82k. Equity is growing by ~38% per year across the filed fiscal years. Its solvency ranks better than 89% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability99▼-1
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 11.25 against 3.91 in 2024; short-term debt: 8.8% and cash: 89% of total assets), and 8.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
91.2%
Return on assets
24%
Age of the figures
9 mo
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 30-04-2026, 92 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
92 d early
2024
35 d early
2023
44 d early
← 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
Equity
€311k▲ 35.8%
2024 · €229k
2023: €137k
2024: €229k
2023 → 2025
Total assets
€341k▲ 11.7%
2024 · €305k
2023: €188k
2024: €305k
2023 → 2025
Net result
€82k▼ 10.9%
2024 · €92k
2023: €132k
2024: €92k
2023 → 2025
Working capital
€307k▲ 38.2%
2024 · €222k
2023: €133k
2024: €222k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€137k-€229k▲ 67.2%€311k▲ 35.8%
Operating result€172k-€117k▼ 32.3%€103k▼ 12.1%
Net result€132k-€92k▼ 30.3%€82k▼ 10.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 12% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €341k
Fixed assets
€5k ▼ 36.4%
Current assets
€336k ▲ 12.9%
Equity and liabilities €341k
Equity
€311k ▲ 35.8%
Debt
€30k ▼ 60.7%
Debt's share of the balance-sheet total falls from 25.0% to 8.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€105k▼
2024 · €119k
Cash flow
€85k▼
2024 · €94k
Current ratio
11.25▲
2024 · 3.91
Debt to equity
0.10▼
2024 · 0.33
ROE
26.4%▼
2024 · 40.2%
ROA
24.0%▼
2024 · 30.2%
Interest coverage
483.63▲
2024 · 341.14
Debt ≤ 1 year
€30k▼
2024 · €76k
Income taxes
€22k▼
2024 · €26k
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 · 35 lines
Balance sheet
Code20242025
Assets
Total assets20/58€305k€341k▲
Fixed assets21/28€7k€5k▼
Tangible fixed assets22/27€7k€5k▼
Furniture and vehicles24€7k€5k▼
Current assets29/58€298k€336k▲
Amounts receivable within one year40/41€17k€13k▼
Trade receivables40€17k€13k▼
Current investments50/53€119k€19k▼
Cash at bank and in hand54/58€159k€304k▲
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€305k€341k▲
Equity10/15€229k€311k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€224k€306k▲
Amounts payable17/49€76k€30k▼
Amounts payable within one year42/48€76k€30k▼
Trade debts44€475€214▼
Suppliers440/4€475€214▼
Taxes, remuneration and social security45€76k€30k▼
Taxes450/3€76k€30k▼
Other amounts payable47/48-€40
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€379€785▲
Gross operating margin9900€119k€106k▼
Operating profit (loss)9901€117k€103k▼
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€348€218▼
Recurring financial charges65€348€218▼
Profit (loss) for the period before taxes9903€118k€104k▼
Income taxes67/77€26k€22k▼
Profit (loss) for the period9904€92k€82k▼
Profit (loss) for the period to be appropriated9905€92k€82k▼
Appropriation of the result
Profit (loss) to be appropriated9906€224k€306k▲
Profit (loss) brought forward from the previous period14P€132k€224k▲
The notes to these accounts (4 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €82k ▼10.9%
Net result drops to €82k, the lowest in the series.
31-12
Financial
Liquidity triplescurrent ratio 11.25
Current ratio from 3.91 to 11.25; short-term debt falls from €76k to €30k.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €229k ▲67.2%
2 profitable years in a row build equity to €229k.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Aartselaar · 1 establishment unit since 2022
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.
Tulpenlaan 342630 AartselaarGround area
285 m²
Building footprint
100 m²
Volume, LiDAR
635 m³
Parcel 11372A0147/00V005, Flanders · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Cveco
since 20222.337.126.512
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11372A0147/00V005 | Flanders | 285 m² | 1 · 100 m² | 9.8 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400UV3ILUBMPQRE98
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 37,933 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
Founded14-09-2022
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.