CBEL Consult
ActiveThe computed 12-month bankruptcy probability of CBEL Consult is 2.2% (moderate). The 2025 annual accounts show negative equity (€-19k) and a net result of €-3k. Equity is shrinking by ~51% per year across the filed fiscal years. Its solvency ranks better than 5% of 7017 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
19
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Age of the figures
Age of the figures
9 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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-19k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 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
14 d late
2024
23 d early
2023
54 d early
2022
17 d late
2021
9 d late
2020
17 d late
2019
73 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-19k▼ 16.0%
2024 · €-16k
2018: €95k
2019: €120k
2020: €100k
2021: €58k
2022: €18k
2023: €1k
2024: €-16k
2018 → 2025
Total assets
€2k▼ 68.5%
2024 · €6k
2018: €102k
2019: €132k
2020: €128k
2021: €68k
2022: €29k
2023: €19k
2024: €6k
2018 → 2025
Net result
€-3k▲ 85.3%
2024 · €-18k
2018: €13k
2019: €26k
2020: €20k
2021: €-42k
2022: €-40k
2023: €-17k
2024: €-18k
2018 → 2025
Working capital
€-19k▼ 16.0%
2024 · €-16k
2018: €95k
2019: €120k
2020: €100k
2021: €58k
2022: €18k
2023: €1k
2024: €-16k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€58k-€18k▼ 68.7%€1k▼ 91.9%€-16k€-19k▼ 16.0%
Operating result€-42k-€-40k▲ 4.2%€-16k▲ 58.6%€-17k▼ 4.7%€-2k▲ 87.4%
Net result€-42k-€-40k▲ 4.1%€-17k▲ 58.1%€-18k▼ 4.5%€-3k▲ 85.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €17k in 2024; the loss shrinks.
Key figures and ratios
Debt
€21k▼
2024 · €22k
Debt ≤ 1 year
€21k▼
2024 · €22k
Income taxes
€256▲
2024 · €195
Ratios withheld: a balance sheet total of €2k is too small for a meaningful ratio.
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€6k€2k▼
Current assets29/58€6k€2k▼
Amounts receivable within one year40/41€2k€443▼
Other amounts receivable41€2k€443▼
Cash at bank and in hand54/58€3k€133▼
Deferred charges and accrued income490/1€754€1k▲
Equity and liabilities
Total equity and liabilities10/49€6k€2k▼
Equity10/15€-16k€-19k▼
Contributions10/11€12k€12k=
Reserves13€87k€87k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€85k€85k=
Profit (loss) carried forward14€-116k€-118k▼
Amounts payable17/49€22k€21k▼
Amounts payable within one year42/48€22k€21k▼
Trade debts44€628€539▼
Suppliers440/4€628€539▼
Taxes, remuneration and social security45-€1k
Taxes450/3-€1k
Other amounts payable47/48€21k€19k▼
Income statement
Code20242025
Other operating charges640/8€387€2k▲
Gross operating margin9900€-17k€-433▲
Operating profit (loss)9901€-17k€-2k▲
Financial income75/76B-€23
Recurring financial income75-€23
Financial charges65/66B€124€176▲
Recurring financial charges65€124€176▲
Profit (loss) for the period before taxes9903€-17k€-2k▲
Income taxes67/77€195€256▲
Profit (loss) for the period9904€-18k€-3k▲
Profit (loss) for the period to be appropriated9905€-18k€-3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-116k€-118k▼
Profit (loss) brought forward from the previous period14P€-98k€-116k▼
The notes to these accounts (3 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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 14 days late
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
31-12
Financial
Weakest financial yearnet €-42k ▼310%
Net result drops to €-42k, the lowest in the series; recovery starts the following year.
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
12-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 73 days late
2019
31-12
Financial
Highest result since 2018net €26k ▲97.2%
Operating result €36k, net result €26k, both a record.
31-12
Financial
Equity above €100kEq €120k ▲27.5%
2 profitable years in a row build equity to €120k.
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
01-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Elsene · 1 establishment unit since 2011
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.
Italiëlaan 321050 ElseneGround area
4,368 m²
Building footprint
656 m²
Volume, LiDAR
15,346 m³
Parcel 21446D0143/00G000, Brussels · tallest building 25.9 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Italiëlaan 32, 1050 Elsene
since 20112.204.709.337
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21446D0143/00G000 | Brussels | 4,368 m² | 1 · 656 m² | 25.9 m · 8 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.
Similar companies · same sector, comparable size
AD TECH
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BRIGHT PHOENIX
BE 0803.283.625
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CeGiCo
BE 0763.412.368
Antwerpen · Eq €2k
LUPINE
BE 0777.849.334
Antwerpen · Eq €2k
THE SPARKS
BE 0790.564.945
Elsene · Eq €2k
Of 13,422 companies in sector 73300 we hold annual accounts for 6,900. 1,109 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded21-10-2011
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.