BUREAU CONSEIL LVR
ActiveBUREAU CONSEIL LVR has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14k and a net result of €2k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 45% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-10
Solvency76▲+14
Growth65▲+12
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.6 against 1.33 in 2024; short-term debt: 49.5% and cash: 30% of total assets), and 49.5% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
50.5%
Return on assets
6.8%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €14k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
26 d late
2023
11 d late
2022
29 d late
2021
30 d late
2020
29 d late
2019
31 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€30k▼ 5.4%
2024 · €31k
2018: €26k
2019: €28k
2020: €27k
2021: €28k
2022: €28k
2023: €26k
2024: €31k
2018 → 2025
EBIT margin
7.0%▼ 11.2pp
2024 · 18.2%
2018: 1.4%
2019: 7.3%
2020: 9.0%
2021: 0.7%
2022: 2.3%
2023: 8.3%
2024: 18.2%
2018 → 2025
Net result
€2k▼ 28.4%
2024 · €3k
2018: €-3k
2019: €-689
2020: €-37
2021: €-1k
2022: €-2k
2023: €-527
2024: €3k
2018 → 2025
Working capital
€8k▲ 20.5%
2024 · €7k
2018: €11k
2019: €9k
2020: €8k
2021: €7k
2022: €4k
2023: €3k
2024: €7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€28k-€28k▲ 0.7%€26k▼ 7.1%€31k▲ 21.0%€30k▼ 5.4%
Equity€11k-€10k▼ 14.5%€9k▼ 5.4%€12k▲ 27.8%€14k▲ 15.6%
Operating result€192-€630▲ 228%€2k▲ 241%€6k▲ 166%€2k▼ 63.6%
Net result€-1k-€-2k▼ 59.1%€-527▲ 68.4%€3k€2k▼ 28.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 64% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €27k
Fixed assets
€6k▲ 9.4%
Current assets
€21k▼ 20.5%
Equity and liabilities €27k
Equity
€14k▲ 15.6%
Debt
€13k▼ 33.9%
The debt ratio falls from 63.1% to 49.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€4k▼
2024 · €7k
Cash flow
€4k▼
2024 · €4k
Solvency
50.5%▲
2024 · 36.9%
Current ratio
1.60▲
2024 · 1.33
Quick ratio
1.60▲
2024 · 1.33
Debt / equity
0.98▼
2024 · 1.71
ROE
13.5%▼
2024 · 21.8%
ROA
6.8%▼
2024 · 8.0%
Interest coverage
113.66▼
2024 · 203.92
Debt
€13k▼
2024 · €20k
Debt ≤ 1 year
€13k▼
2024 · €20k
Income taxes
€197▼
2024 · €3k
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€32k€27k▼
Fixed assets21/28€5k€6k▲
Tangible fixed assets22/27€5k€6k▲
Furniture and vehicles24€2k€2k▲
Other tangible fixed assets26€3k€3k▲
Current assets29/58€27k€21k▼
Amounts receivable within one year40/41€13k€13k▲
Other amounts receivable41€13k€13k▲
Cash at bank and in hand54/58€14k€8k▼
Equity and liabilities
Total equity and liabilities10/49€32k€27k▼
Equity10/15€12k€14k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€6k€7k▲
Amounts payable17/49€20k€13k▼
Amounts payable within one year42/48€20k€13k▼
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€3k€552▼
Taxes450/3€3k€552▼
Other amounts payable47/48€13k€10k▼
Income statement
Code20242025
Turnover70€31k€30k▼
Non-recurring operating income76A€0€2k▲
Goods, raw materials, services and sundry goods60/61€23k€23k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€920€2k▲
Gross operating margin9900€8k€6k▼
Operating profit (loss)9901€6k€2k▼
Financial income75/76B€7-
Recurring financial income75€7-
Financial charges65/66B€36€35▼
Recurring financial charges65€36€35▼
Profit (loss) for the period before taxes9903€6k€2k▼
Income taxes67/77€3k€197▼
Profit (loss) for the period9904€3k€2k▼
Profit (loss) for the period to be appropriated9905€3k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€7k▲
Profit (loss) brought forward from the previous period14P€3k€6k▲
The notes to these accounts (5 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after 6 loss-making years.
11-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 11 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
29-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 29 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Seraing
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 du Molinay 444100 SeraingGround area
22 m²
Parcel 62096A0316/00D000, Wallonia. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62096A0316/00D000indicative | Wallonia | 22 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 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 82,524 companies in sector 70200 we hold annual accounts for 52,566. 26,434 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-04-2006
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
69202Legal and accounting activities
69209Other tax advisory services
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:bureau.conseil.lvr@skynet.be