CBE CONSULT
ActiveCBE CONSULT has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €105k and a net result of €43k. Equity is growing by ~18.5% per year across the filed fiscal years. Its solvency ranks better than 52% of 20785 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
100
/ 100
Excellent= vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.75 against 3.07 in 2023), and 35.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
28 d late
2023
9 d early
2022
29 d late
2021
18 d late
2020
30 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€105k▲ 11.3%
2023 · €94k
2020: €35k
2021: €67k
2022: €84k
2023: €94k
2020 → 2024
Total assets
€161k▲ 17.4%
2023 · €137k
2020: €73k
2021: €99k
2022: €103k
2023: €137k
2020 → 2024
Net result
€43k▲ 10.0%
2023 · €39k
2020: €30k
2021: €32k
2022: €18k
2023: €39k
2020 → 2024
Working capital
€99k▲ 10.5%
2023 · €90k
2020: €22k
2021: €30k
2022: €79k
2023: €90k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€35k-€67k▲ 90.1%€84k▲ 26.4%€94k▲ 11.6%€105k▲ 11.3%
Operating result€39k-€41k▲ 4.9%€29k▼ 29.6%€51k▲ 75.5%€56k▲ 9.1%
Net result€30k-€32k▲ 5.1%€18k▼ 44.2%€39k▲ 121%€43k▲ 10.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 9% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €161k
Fixed assets
€5k▲ 30.4%
Current assets
€156k▲ 17.0%
Equity and liabilities €161k
Equity
€105k▲ 11.3%
Debt
€57k▲ 30.6%
The debt ratio rises from 31.6% to 35.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€57k▲
2023 · €52k
Cash flow
€44k▲
2023 · €40k
Solvency
64.8%▼
2023 · 68.4%
Current ratio
2.75▼
2023 · 3.07
Quick ratio
2.75▼
2023 · 3.07
Debt / equity
0.54▲
2023 · 0.46
ROE
40.8%▼
2023 · 41.3%
ROA
26.5%▼
2023 · 28.3%
Interest coverage
85.63▲
2023 · 85.54
Debt
€57k▲
2023 · €43k
Debt ≤ 1 year
€57k▲
2023 · €43k
Income taxes
€13k▲
2023 · €12k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€137k€161k▲
Fixed assets21/28€4k€5k▲
Tangible fixed assets22/27€4k€5k▲
Plant, machinery and equipment23€2k€4k▲
Furniture and vehicles24€1k€786▼
Financial fixed assets28€400€400=
Current assets29/58€133k€156k▲
Amounts receivable within one year40/41€14k€44k▲
Trade receivables40€14k€44k▲
Current investments50/53-€85k
Cash at bank and in hand54/58€117k€25k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€137k€161k▲
Equity10/15€94k€105k▲
Contributions10/11€5k€5k=
Reserves13€89k€99k▲
Non-distributable reserves130/1€500€500=
Other1319€500€500=
Distributable reserves133€88k€98k▲
Profit (loss) carried forward14€373€1k▲
Amounts payable17/49€43k€57k▲
Amounts payable within one year42/48€43k€57k▲
Trade debts44€928€5k▲
Suppliers440/4€928€5k▲
Taxes, remuneration and social security45€11k€13k▲
Taxes450/3€11k€13k▲
Other amounts payable47/48€31k€39k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k=
Gross operating margin9900€52k€57k▲
Operating profit (loss)9901€51k€56k▲
Financial income75/76B€19€1k▲
Recurring financial income75€19€1k▲
Financial charges65/66B€610€663▲
Recurring financial charges65€610€663▲
Profit (loss) for the period before taxes9903€50k€56k▲
Income taxes67/77€12k€13k▲
Profit (loss) for the period9904€39k€43k▲
Profit (loss) for the period to be appropriated9905€39k€43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€39k€43k▲
Profit (loss) brought forward from the previous period14P€591€373▼
Transfer from equity791/2€29k€32k▲
Transfer to equity691/2€39k€42k▲
To other reserves6921€39k€42k▲
Profit to be distributed694/7€29k€32k▲
Return on contributions (dividend)694€29k€32k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Highest result since 2020net €43k ▲10%
Operating result €56k, net result €43k, both a record.
31-12
Financial
Equity above €100kEq €105k ▲11.3%
5 profitable years in a row build equity to €105k.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Weakest financial yearnet €18k ▼44.2%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 5.06
Current ratio from 1.96 to 5.06; short-term debt falls from €32k to €19k.
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2024
Céline Delforge
CurrentDirector · since 21-10-2024
21-10-2024
Appointed as Director
Location & real-estate footprint
Registered office, Lessines · 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.
Rue Terraque(W) 577861 LessinesGround area
890 m²
Building footprint
88 m²
Volume, LiDAR
527 m³
Parcel 55512C0529/00E000, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CBE CONSULT
since 20202.297.915.053
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55512C0529/00E000 | Wallonia | 889 m² | 1 · 88 m² | 8.1 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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INNEAUTECH
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NALEA MANAGEMENT & CONSULTING
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ICTSafe
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Nandrin · Eq €105k
Of 29,880 companies in sector 62200 we hold annual accounts for 18,324. 15,494 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-01-2020
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.