Age5 yrs
Real estate4 parcels · 5,743 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of CVK is 3.2% (moderate). The 2024 annual accounts show equity of €53k and a net result of €7k. Its solvency ranks better than 59% of 6697 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Trust signals
2 signalsMore than 3 years active
Founded in 2020, 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 administrative flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone3.2%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Multiple establishment units
+Higher-failure-rate sector
+
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€7k
Working capital€47k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 23-06-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 29.8% | 20.4% | |
| Net result | €7k | €4k | |
| Equity | €53k | €16k | |
| Gross operating margin | €86k | €24k | |
| Staff costs | €69k | €33k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Revenue | - |
| EBITDA | €17k |
| Net profit | €7k |
| Cash flow | €11k |
| Staff costs | €69k |
| Income taxes | €3k |
| Dividends | - |
| Total assets | €178k |
| Equity | €53k |
| Debt | €125k |
| of which ≤ 1y | €124k |
| of which > 1y | €876 |
| Working capital | €47k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.38 |
| Quick ratio | 0.63 |
| Working capital ratio | 26.6% |
| Solvency | 29.8% |
| Debt / equity | 2.36 |
| Long-term debt ratio | 0.02 |
| Interest coverage | 6.54 |
| Gross margin | - |
| Net margin | - |
| ROA | 4.0% |
| ROE | 13.5% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €178k |
| Fixed assets | 21/28 | €6k |
| Tangible fixed assets | 22/27 | €6k |
| Current assets | 29/58 | €171k |
| Stocks & contracts in progress | 3 | €93k |
| Amounts receivable within one year | 40/41 | €47k |
| Cash & bank | 54/58 | €31k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €178k |
| Equity | 10/15 | €53k |
| Contributions / capital | 10/11 | €20k |
| Accumulated profits (losses) | 14 | €33k |
| Amounts payable | 17/49 | €125k |
| Amounts payable after one year | 17 | €876 |
| Amounts payable within one year | 42/48 | €124k |
| Trade debts payable within one year | 44 | €89k |
| Income statement | ||
| Gross operating margin | 9900 | €86k |
| Operating result | 9901 | €13k |
| Financial income | 75 | €1 |
| Financial charges | 65 | €3k |
| Result before taxes | 9903 | €10k |
| Income taxes | 67/77 | €3k |
| Net result for the period | 9904 | €7k |
| Result to be appropriated | 9905 | €7k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed73
/ 100
Healthy
Computed from 4 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 with Plus.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Establishment units
3 locationsCVK
since 20202.310.276.813
Aarschotsesteenweg 267, 3012 Leuven
since 20242.367.105.747
Corbeillestraat 1, 2235 Hulshout
since 20262.384.698.082
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels4
Ground area5,743 m²
Buildings4
Building footprint577 m²
Volume (LiDAR)1,505 m³
Tallest building11.1 m · ±2 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
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13050B0068/00M003 | Flanders | 2,710 m² | 1 · 203 m² | 7.1 m |
| 24126B0226/00T006 | Flanders | 1,742 m² | 1 · 197 m² | 4.7 m · 1 fl. |
| 13302C0716/00Z002 | Flanders | 898 m² | 1 · 84 m² | 11.1 m · 1 fl. |
| 71522C0001/00D028 | Flanders | 393 m² | 1 · 92 m² | 8.8 m · 2 fl. |
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 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 and are complete.
Analysis
Snowflake analysis
financial profile on 5 axes69
/ 100
Strong profile, led by stability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
73
Profitability
68
Solvency
55
Growth
-
Stability
79
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Credit advice
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Company registry (CBE)
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Primary activity highlighted.
Names & trade names
| Legal nameNL | CVK |
Registered office
Ericastraat 28
3582 Beringen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.