CB CONSULTANCE
ActiveCB CONSULTANCE has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €37k and a net result of €44k. Equity is growing by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 25% of 105 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2026
73
/ 100
Healthy▼ -10 vs 2025
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability100▲+73
Solvency25▼-75
Growth58▲+6
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 11.56 in 2025), and 80% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
20%
Return on assets
23.8%
Age of the figures
6 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 30-04-2026, 184 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
184 d early
2025
2 d early
2024
31 d early
2023
1 d early
2022
on the day
2021
2 d early
2018
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€37k▼ 90.2%
2025 · €376k
2018: €162k
2022: €294k
2023: €335k
2024: €376k
2025: €376k
2018 → 2026
Total assets
€185k▼ 56.1%
2025 · €420k
2018: €281k
2022: €466k
2023: €503k
2024: €451k
2025: €420k
2018 → 2026
Net result
€44k▲ 116%
2025 · €20k
2018: €29k
2022: €48k
2023: €35k
2024: €41k
2025: €20k
2018 → 2026
Working capital
€4k▼ 98.4%
2025 · €281k
2018: €38k
2022: €283k
2023: €325k
2024: €272k
2025: €281k
2018 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€294k-€335k▲ 14.0%€376k▲ 12.3%€376k=€37k▼ 90.2%
Operating result€65k-€47k▼ 27.4%€55k▲ 17.3%€27k▼ 50.6%€54k▲ 98.7%
Net result€48k-€35k▼ 27.2%€41k▲ 18.3%€20k▼ 50.6%€44k▲ 116%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2026; 2026 is 99% above 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €185k
Fixed assets
€41k▼ 63.2%
Current assets
€143k▼ 53.5%
Equity and liabilities €185k
Equity
€37k▼ 90.2%
Debt
€148k▲ 236%
The debt ratio rises from 10.5% to 80.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€64k▲
2025 · €45k
Cash flow
€54k▲
2025 · €38k
Solvency
20.0%▼
2025 · 89.5%
Current ratio
1.03▼
2025 · 11.56
Quick ratio
1.03▼
2025 · 11.56
Debt / equity
4.01▲
2025 · 0.12
ROE
119.1%▲
2025 · 5.4%
ROA
23.8%▲
2025 · 4.8%
Interest coverage
102.15▲
2025 · 64.44
Debt
€148k▲
2025 · €44k
Debt ≤ 1 year
€139k▲
2025 · €27k
Debt > 1 year
€9k▼
2025 · €17k
Income taxes
€14k▲
2025 · €8k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€420k€185k▼
Fixed assets21/28€112k€41k▼
Intangible fixed assets21€46k€37k▼
Tangible fixed assets22/27€67k€5k▼
Land and buildings22€67k-
Furniture and vehicles24-€5k
Current assets29/58€307k€143k▼
Amounts receivable within one year40/41€13k€17k▲
Trade receivables40€12k€14k▲
Other amounts receivable41€158€3k▲
Current investments50/53€275k€100k▼
Cash at bank and in hand54/58€18k€26k▲
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€420k€185k▼
Equity10/15€376k€37k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€356k€16k▼
Amounts payable17/49€44k€148k▲
Amounts payable after more than one year17€17k€9k▼
Financial debts170/4€17k€9k▼
Amounts payable within one year42/48€27k€139k▲
Current portion of amounts payable after more than one year42€8k€8k=
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€5k€5k▼
Taxes450/3€5k€5k▼
Other amounts payable47/48€12k€122k▲
Income statement
Code20252026
Non-recurring operating income76A-€12k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€10k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€5k
Other operating charges640/8€1k€1k▲
Gross operating margin9900€46k€71k▲
Operating profit (loss)9901€27k€54k▲
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€694€626▼
Recurring financial charges65€694€626▼
Profit (loss) for the period before taxes9903€28k€58k▲
Income taxes67/77€8k€14k▲
Profit (loss) for the period9904€20k€44k▲
Profit (loss) for the period to be appropriated9905€20k€44k▲
Appropriation of the result
Profit (loss) to be appropriated9906€376k€399k▲
Profit (loss) brought forward from the previous period14P€356k€356k=
Profit to be distributed694/7€20k€383k▲
Return on contributions (dividend)694€20k€383k▲
The notes to these accounts (11 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 2027, expected by
2026
30-04
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
2025
29-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €20k ▼50.6%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Highest result since 2018net €48k ▲67.1%
Operating result €65k, net result €48k, both a record.
31-03
Financial
Liquidity times 9current ratio 16.88
Current ratio from 1.81 to 16.88; short-term debt falls from €47k to €18k.
31-03
Financial
Equity above €200kEq €294k ▲81.4%
2 profitable years in a row build equity to €294k.
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
30-03
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
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, Celles (lez-Tournai) · 1 establishment unit since 2014
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 Delvourgue (VEL) 297760 Celles (lez-Tournai)Ground area
2,275 m²
Building footprint
525 m²
Volume, LiDAR
3,229 m³
Parcel 57083D0409/00F000, Wallonia · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CB CONSULTANCE
since 20142.231.152.725
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57083D0409/00F000 | Wallonia | 2,275 m² | 1 · 525 m² | 9.0 m · 2 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.
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Of 12,122 companies in sector 69201 we hold annual accounts for 7,601. 5,473 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-05-2014
Fiscal year end31-03
Activities, NACEBEL
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:069/85.93.85