CBO CONSULTING
ActiveCBO CONSULTING has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €-3k. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 14% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
20
/ 100
Critical▼ -19 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-3
Solvency4=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.27 against 0.38 in 2024), and 93.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 · 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 2025Solvency, return and age of the figures
Solvency
6.5%
Return on assets
-1%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 31523 sector peers (2025).
NBB · sector comparisonPosition among 31523 sector peers
Solvency
better than 14%
← weakest
strongest →
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 26-06-2026, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
35 d early
2024
21 d late
2023
29 d late
2022
32 d late
2021
24 d late
2020
31 d late
2019
362 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-3k
2024 · €156
2018: €-2k
2019: €-6k
2020: €17k
2021: €-999
2022: €2k
2023: €-613
2024: €156
2018 → 2025
Working capital
€-164k▼ 1.8%
2024 · €-161k
2018: €-158k
2019: €-164k
2020: €-147k
2021: €-151k
2022: €-130k
2023: €-155k
2024: €-161k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€25k▲ 6.8%€24k▼ 2.5%€24k▲ 0.6%€21k▼ 13.3%
Operating result€5k-€9k▲ 63.0%€6k▼ 37.2%€11k▲ 106%€4k▼ 62.5%
Net result€-999-€2k€-613€156€-3k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 63% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €322k
Fixed assets
€261k▼ 5.6%
Current assets
€60k▼ 38.2%
Equity and liabilities €322k
Equity
€21k▼ 13.3%
Debt
€301k▼ 14.2%
The debt ratio falls from 93.5% to 93.5%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€20k▼
2024 · €27k
Cash flow
€12k▼
2024 · €16k
Solvency
6.5%▲
2024 · 6.5%
Current ratio
0.27▼
2024 · 0.38
Quick ratio
0.27▼
2024 · 0.38
Debt / equity
14.34▼
2024 · 14.48
ROE
-15.4%▼
2024 · 0.6%
ROA
-1.0%▼
2024 · 0.0%
Interest coverage
3.14▲
2024 · 2.72
Debt
€301k▼
2024 · €351k
Debt ≤ 1 year
€225k▼
2024 · €259k
Debt > 1 year
€73k▼
2024 · €88k
Income taxes
€1k▼
2024 · €1k
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€375k€322k▼
Fixed assets21/28€277k€261k▼
Tangible fixed assets22/27€277k€261k▼
Land and buildings22€273k€261k▼
Furniture and vehicles24€4k€345▼
Current assets29/58€98k€60k▼
Amounts receivable within one year40/41€82k€53k▼
Trade receivables40€82k€51k▼
Other amounts receivable41€245€2k▲
Cash at bank and in hand54/58€14k€5k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€375k€322k▼
Equity10/15€24k€21k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€6k€2k▼
Amounts payable17/49€351k€301k▼
Amounts payable after more than one year17€88k€73k▼
Financial debts170/4€88k€73k▼
Amounts payable within one year42/48€259k€225k▼
Current portion of amounts payable after more than one year42€18k€76k▲
Financial debts43-€50k
Credit institutions430/8-€50k
Trade debts44€547€2k▲
Suppliers440/4€547€2k▲
Taxes, remuneration and social security45€4k€9k▲
Taxes450/3€4k€9k▲
Other amounts payable47/48€237k€88k▼
Accrued charges and deferred income492/3€3k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€16k=
Other operating charges640/8€7k€5k▼
Non-recurring operating charges66A€156€180▲
Gross operating margin9900€34k€25k▼
Operating profit (loss)9901€11k€4k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€10k€6k▼
Recurring financial charges65€10k€6k▼
Profit (loss) for the period before taxes9903€1k€-2k▼
Income taxes67/77€1k€1k▼
Profit (loss) for the period9904€156€-3k▼
Profit (loss) for the period to be appropriated9905€156€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€2k▼
Profit (loss) brought forward from the previous period14P€5k€6k▲
The notes to these accounts (5 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
26-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-12
Financial
Back to profitnet €156
Net result €156 after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 362 days late
2020
31-12
Financial
Back to profitnet €17k
Net result €17k after 2 loss-making years.
2019
31-12
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
25-11
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 117 days late
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 16 days late
2017
11-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 42 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Brussel · 1 establishment unit since 2013
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.
Trierstraat 491000 BrusselGround area
439 m²
Building footprint
398 m²
Volume, LiDAR
9,871 m³
Parcel 21805E0443/00L003, Brussels · tallest building 31.2 m, ±10 floors. Linked by address, not a title deed.
1 establishment unit
CBO Consulting
since 20132.215.724.973
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21805E0443/00L003 | Brussels | 439 m² | 1 · 398 m² | 31.2 m · 10 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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MEDSTRATEGIX
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SQC
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 30,975 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-01-2013
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.