C.B. CONSULTING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €68k and a net result of €133k. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 13% of 1469 sector peers (fiscal year 2025). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 1469 sector peers (2025).
NBB · sector comparisonPosition among 1469 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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
26 d late
2024
5 d late
2023
13 d late
2022
24 d late
2021
23 d late
2020
30 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€68k▲ 0.7%
2024 · €67k
2018: €64k
2019: €64k
2020: €65k
2021: €65k
2022: €66k
2023: €67k
2024: €67k
2018 → 2025
Net result
€133k▼ 7.0%
2024 · €143k
2018: €349k
2019: €430k
2020: €1.10M
2021: €960k
2022: €711k
2023: €343k
2024: €143k
2018 → 2025
Total assets
€1.38M▼ 7.4%
2024 · €1.50M
2018: €1.81M
2019: €2.08M
2020: €2.91M
2021: €2.76M
2022: €2.25M
2023: €1.72M
2024: €1.50M
2018 → 2025
Solvency
4.9%▲ 0.4pp
2024 · 4.5%
2018: 3.5%
2019: 3.1%
2020: 2.2%
2021: 2.4%
2022: 2.9%
2023: 3.9%
2024: 4.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€65k-€66k▲ 1.9%€67k▲ 0.6%€67k▲ 0.7%€68k▲ 0.7%
Operating result€1.31M-€1.00M▼ 23.4%€507k▼ 49.4%€252k▼ 50.3%€231k▼ 8.2%
Net result€960k-€711k▼ 25.9%€343k▼ 51.7%€143k▼ 58.4%€133k▼ 7.0%
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 8% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.38M
Fixed assets
€1.07M▼ 10.3%
Current assets
€318k▲ 3.8%
Equity and liabilities €1.38M
Equity
€68k▲ 0.7%
Debt
€1.32M▼ 7.8%
The debt ratio falls from 95.5% to 95.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
4.9%▲
2024 · 4.5%
ROE
196.4%▼
2024 · 212.7%
ROA
9.6%▲
2024 · 9.6%
Debt
€1.32M▼
2024 · €1.43M
Debt ≤ 1 year
€440k▲
2024 · €362k
Debt > 1 year
€875k▼
2024 · €969k
Income taxes
€67k▼
2024 · €72k
Staff costs
€459k▼
2024 · €549k
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€1.50M€1.38M▼
Fixed assets21/28€1.19M€1.07M▼
Tangible fixed assets22/27€1.19M€1.07M▼
Land and buildings22€870k€797k▼
Furniture and vehicles24€44k€30k▼
Other tangible fixed assets26€275k€239k▼
Financial fixed assets28€29€29=
Current assets29/58€306k€318k▲
Amounts receivable within one year40/41€97k€8k▼
Trade receivables40€5k-
Other amounts receivable41€92k€8k▼
Cash at bank and in hand54/58€9k€135k▲
Deferred charges and accrued income490/1€200k€175k▼
Equity and liabilities
Total equity and liabilities10/49€1.50M€1.38M▼
Equity10/15€67k€68k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€59k€60k▲
Amounts payable17/49€1.43M€1.32M▼
Amounts payable after more than one year17€969k€875k▼
Financial debts170/4€965k€870k▼
Other amounts payable178/9€5k€6k▲
Amounts payable within one year42/48€362k€440k▲
Current portion of amounts payable after more than one year42€93k€95k▲
Financial debts43€51k€29k▼
Credit institutions430/8€51k€29k▼
Trade debts44-€91k
Suppliers440/4-€91k
Taxes, remuneration and social security45€76k€92k▲
Taxes450/3€3k€17k▲
Remuneration and social security454/9€73k€75k▲
Other amounts payable47/48€143k€133k▼
Accrued charges and deferred income492/3€97k€2k▼
Income statement
Code20242025
Non-recurring operating income76A€6k€17k▲
Remuneration, social security and pensions62€549k€459k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€227k€218k▼
Other operating charges640/8€19k€17k▼
Gross operating margin9900€1.05M€925k▼
Operating profit (loss)9901€252k€231k▼
Financial income75/76B€336-
Recurring financial income75€336-
Financial charges65/66B€38k€31k▼
Recurring financial charges65€38k€31k▼
Profit (loss) for the period before taxes9903€215k€200k▼
Income taxes67/77€72k€67k▼
Profit (loss) for the period9904€143k€133k▼
Profit (loss) for the period to be appropriated9905€143k€133k▼
Appropriation of the result
Profit (loss) to be appropriated9906€202k€192k▼
Profit (loss) brought forward from the previous period14P€59k€59k▲
Profit to be distributed694/7€143k€133k▼
Return on contributions (dividend)694€143k€133k▼
Social balance
Average headcount (FTE)90878.58.0▼
The notes to these accounts (18 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
23-03
State Gazette act
Resignations & appointmentsGeneral meeting · Director resignation · Director discharge3 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director resignation · Director discharge3 facts ▸
- General meeting, 02/03/2026
- Director resignation, Jean-Jacques Standaert (administrateur)
- Director discharge, Jean-Jacques Standaert (administrateur)
2025
31-12
Financial
Weakest financial yearnet €133k ▼7%
Net result drops to €133k, the lowest in the series.
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 5 days late
2024
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 13 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 24 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 23 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
31-12
Financial
Highest result since 2018net €1.10M ▲155%
Operating result €1.51M, net result €1.10M, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 26 days late
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
23-03-2026
STANDAERT Jean-Jacques: Resigned as Director
30-09-2014
Caterina HERVERA FERNANDEZ: Resigned as Managing director
03-01-2013
Pascal VAN DEN BERGHE: Resigned as Manager
01-09-2011
MATHIEU Vincent: Resigned as Manager
Location & real-estate footprint
Registered office, Ukkel · 2 establishment units since 2006
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.
Waterloosesteenweg 8661180 UkkelGround area
460 m²
Building footprint
261 m²
Volume, LiDAR
3,151 m³
2 parcels, Brussels · tallest building 24.3 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
C.B. CONSULTING Uccle SPRL
since 20062.150.832.072
C.B. CONSULTING Anderlecht
since 20192.295.944.666
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21001A0794/00C000 | Brussels | 257 m² | 1 · 125 m² | 15.5 m · 4 fl. |
| 21612C0108/00Y000 | Brussels | 203 m² | 1 · 136 m² | 24.3 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 4,686 companies in sector 66220 we hold annual accounts for 3,231. 2,504 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-11-2005
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.