Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
-
Tight liquidity NBB
Cash and receivables cover 29 % of short-term debt in 2025; threshold 65 %.
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Busy address KBO
80 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
CARGO VELO from Gent, company number BE0678628430, closed financial year 2025 with a result of € -6,693 after tax. For that financial year CARGO VELO recorded a gross margin of € 635,727 and equity of € -474,488. Compared with financial year 2024, the result moved from € -317,119 to € -6,693. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 17, 2026.
€ -474,488
▼ € 6,693 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -6,693
▲ 98 % less loss than in 2024
Profit after tax over the fiscal year.
€ 42,005
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -1.1 million.
People and assets in 2025
€ 612,424
▼ 2% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 15,893
▼ 22% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 521,450
▲ 25% vs 2024
Loans from banks and other lenders, long and short.
€ 106,399
▼ 33% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 95,909
▼ 2% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 168,317 | € 238,278 | € 349,674 | € 635,727 | ▲ 82% |
| Profit after taxes | € -124,050 | € -264,706 | € -317,119 | € -6,693 | ▲ € 310,427 |
| Equity | € -162,506 | € -455,676 | € -467,795 | € -474,488 | ▼ € 6,693 |
| Total debts | € 386,779 | € 710,664 | € 676,617 | € 733,587 | ▲ 8% |
| Cash | € 77,414 | € 53,545 | € 41,900 | € 42,005 | |
| Retained profit | € -478,596 | € -824,666 | € -1,141,785 | € -1,148,478 | ▼ € 6,693 |
| Bank debt | € 251,001 | € 405,854 | € 417,633 | € 521,450 | ▲ 25% |
| Balance sheet total | € 224,273 | € 254,988 | € 208,821 | € 259,099 | ▲ 24% |
Key figures of CARGO VELO, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to CARGO VELO?
What happened at CARGO VELO in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Wim Vanderghinste stepped down as director. NBB
- Charlotte De Winter stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 6,693. Source: NBB ↗
- Wim Vanderghinste became a director. NBB
- Stefaan Quinaert stepped down as director. NBB
- Charlotte De Winter became a director. NBB
- ZIEDEWEL CommV became a director. NBB
- Matthijs Rabaey became a director. NBB
In short
From € 124,050 loss in 2022 to € 6,693 loss in 2025.
Paid € 0 in corporate taxes since 2022.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The stake of Human Capital, IMPACT CAPITAL comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
CARGO VELOBehind CARGO VELO are Sander Vandenberghe, ZIEDEWEL CommV and Matthijs Rabaey. The shares are held by Human Capital (12.5%) and IMPACT CAPITAL (4.5%).
Directors
According to the 2025 annual accounts
Sander Vandenberghe
Director
since 2017
Director · represented by Willem-Frederik Schiltz
since 2025
since 2024
Wim Vanderghinste
Director
since 2026 · until 2031
Stefaan Quinaert
Director
since 2021 · until 2026
Charlotte De Winter
Director
since 2026 · until 2031
Shareholders
12.5%
4.5%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Kerkstraat 108
9050 Gent
Zwijnaardsesteenweg 227
9000 Gent
Active since 14 July 2017
Houtdok-Noordkaai 36
2030 Antwerpen
Active since 1 July 2020
Bergense Steenweg 95
1070 Anderlecht
Active since 1 April 2023
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 80 companies are registered at this address.
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+75 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
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Details
- Company number
- 0678.628.430
- VAT number
- BE 0678.628.430
- Registered office
- Kerkstraat 108, 9050 Gent
- Names & denominations
- CARGO VELO
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 14 July 2017
- Peppol
- Active · Active since 30 Oct 2025
- Activities · NACE
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