CBA CONSULT
ActiveCBA CONSULT has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €14k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 71% of 3446 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +45 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency100▲+45
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 3.12 against 1.31 in 2024), and 28.9% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
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 2025Solvency, return and age of the figures
Solvency
71.1%
Return on assets
51.7%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €19k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
8 d early
2024
1 d early
2023
30 d early
2022
19 d early
2021
26 d late
2020
33 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▲ 265%
2024 · €5k
2020: €-851
2021: €11k
2022: €2k
2023: €7k
2024: €5k
2020 → 2025
Total assets
€27k▲ 58.8%
2024 · €17k
2020: €35k
2021: €44k
2022: €26k
2023: €24k
2024: €17k
2020 → 2025
Net result
€14k
2024 · €-1k
2020: €-2k
2021: €11k
2022: €-9k
2023: €5k
2024: €-1k
2020 → 2025
Working capital
€17k▲ 376%
2024 · €4k
2020: €-6k
2021: €5k
2022: €-4k
2023: €2k
2024: €4k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k-€2k▼ 81.3%€7k▲ 241%€5k▼ 21.2%€19k▲ 265%
Operating result€16k-€-8k€8k€893▼ 89.4%€19k▲ 2,079%
Net result€11k-€-9k€5k€-1k€14k
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 2025; 2025 is 2,079% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €27k
Fixed assets
€3k▲ 12.1%
Current assets
€25k▲ 66.4%
Equity and liabilities €27k
Equity
€19k▲ 265%
Debt
€8k▼ 33.7%
The debt ratio falls from 69.1% to 28.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€20k▲
2024 · €7k
Cash flow
€14k▲
2024 · €4k
Solvency
71.1%▲
2024 · 30.9%
Current ratio
3.12▲
2024 · 1.31
Quick ratio
3.12▲
2024 · 1.31
Debt / equity
0.41▼
2024 · 2.23
ROE
72.6%▲
2024 · -26.9%
ROA
51.7%▲
2024 · -8.3%
Interest coverage
18.14▲
2024 · 17.45
Debt
€8k▼
2024 · €12k
Debt ≤ 1 year
€8k▼
2024 · €11k
Income taxes
€4k▲
2024 · €2k
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€17k€27k▲
Fixed assets21/28€2k€3k▲
Tangible fixed assets22/27€2k€3k▲
Plant, machinery and equipment23-€3k
Leasing and similar rights25€2k€0▼
Current assets29/58€15k€25k▲
Amounts receivable within one year40/41€806€321▼
Trade receivables40€0-
Other amounts receivable41€806€321▼
Cash at bank and in hand54/58€12k€23k▲
Deferred charges and accrued income490/1€2k€941▼
Equity and liabilities
Total equity and liabilities10/49€17k€27k▲
Equity10/15€5k€19k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€4k€18k▲
Amounts payable17/49€12k€8k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€11k€8k▼
Current portion of amounts payable after more than one year42€2k€0▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€6k€6k▼
Taxes450/3€6k€6k▼
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€600€0▼
Income statement
Code20242025
Non-recurring operating income76A-€6k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€156▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€8k€21k▲
Operating profit (loss)9901€893€19k▲
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€373€1k▲
Recurring financial charges65€373€1k▲
Profit (loss) for the period before taxes9903€520€18k▲
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€-1k€14k▲
Profit (loss) for the period to be appropriated9905€-1k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€18k▲
Profit (loss) brought forward from the previous period14P€6k€4k▼
The notes to these accounts (15 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 3.12
Current ratio from 1.31 to 3.12; short-term debt falls from €11k to €8k.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-9k ▼175%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Oostrozebeke · 1 establishment unit since 2020
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.
Beekstraat 18780 OostrozebekeGround area
743 m²
Building footprint
120 m²
Volume, LiDAR
657 m³
Parcel 37010E0361/00V002, Flanders · tallest building 6.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CBA CONSULT
since 20202.303.451.575
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37010E0361/00V002 | Flanders | 743 m² | 1 · 120 m² | 6.1 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 4,548 companies in sector 74999 we hold annual accounts for 1,934. 1,280 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-05-2020
Fiscal year end31-12
Activities, NACEBEL
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.