CD-CONSULT
ActiveThe annual accounts of CD-CONSULT for fiscal year 2025 show a net loss of 91% of the equity at the start of that year. The 2025 annual accounts show equity of €39k and a net result of €-395k. Equity is growing by ~74.6% per year across the filed fiscal years. Its solvency ranks better than 12% of 404 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
35
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-64
Solvency29▼-36
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.76 against 1.92 in 2024; short-term debt: 57.7% and cash: 6.3% of total assets), and 95.6% 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 · 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
4.4%
Return on assets
-44.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 404 sector peers (2025).
NBB · sector comparisonPosition among 404 sector peers
Solvency
better than 12%
← 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 21-05-2026, 71 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
71 d early
2024
38 d early
2023
40 d early
2022
27 d early
2021
40 d early
2020
3 d early
2019
6 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€39k▼ 91.0%
2024 · €434k
2018: €-68k
2019: €-30k
2020: €-6k
2021: €51k
2022: €106k
2023: €402k
2024: €434k
2018 → 2025
Total assets
€885k▼ 17.3%
2024 · €1.07M
2018: €747k
2019: €730k
2020: €582k
2021: €544k
2022: €643k
2023: €1.52M
2024: €1.07M
2018 → 2025
Net result
€-395k
2024 · €32k
2018: €-90k
2019: €38k
2020: €24k
2021: €57k
2022: €55k
2023: €296k
2024: €32k
2018 → 2025
Working capital
€-120k
2024 · €271k
2018: €-39k
2019: €-43k
2020: €-69k
2021: €-44k
2022: €-33k
2023: €249k
2024: €271k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€51k-€106k▲ 107%€402k▲ 280%€434k▲ 7.9%€39k▼ 91.0%
Operating result€96k-€90k▼ 6.1%€451k▲ 403%€71k▼ 84.2%€-373k
Net result€57k-€55k▼ 4.1%€296k▲ 441%€32k▼ 89.3%€-395k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €373k after €71k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €885k
Fixed assets
€495k▼ 2.3%
Current assets
€391k▼ 30.8%
Equity and liabilities €885k
Equity
€39k▼ 91.0%
Debt
€846k▲ 32.8%
The debt ratio rises from 59.5% to 95.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-320k▼
2024 · €120k
Cash flow
€-341k▼
2024 · €81k
Solvency
4.4%▼
2024 · 40.5%
Current ratio
0.76▼
2024 · 1.92
Quick ratio
0.35▼
2024 · 0.76
Debt / equity
21.70▲
2024 · 1.47
ROA
-44.6%▼
2024 · 3.0%
Interest coverage
-13.39▼
2024 · 4.98
Debt
€846k▲
2024 · €637k
Debt ≤ 1 year
€511k▲
2024 · €294k
Debt > 1 year
€333k▼
2024 · €342k
Income taxes
€1k▼
2024 · €17k
Staff costs
€247k▲
2024 · €181k
A ratio outside any meaningful range has been withheld (balance sheet total €885k, equity €39k).
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€1.07M€885k▼
Fixed assets21/28€506k€495k▼
Tangible fixed assets22/27€506k€495k▼
Land and buildings22€406k€392k▼
Plant, machinery and equipment23€62k€72k▲
Furniture and vehicles24€38k€31k▼
Current assets29/58€565k€391k▼
Stocks and contracts in progress3€341k€211k▼
Stocks30/36€90k€87k▼
Contracts in progress37€251k€124k▼
Amounts receivable within one year40/41€134k€95k▼
Trade receivables40€46k€26k▼
Other amounts receivable41€88k€69k▼
Cash at bank and in hand54/58€58k€56k▼
Deferred charges and accrued income490/1€31k€28k▼
Equity and liabilities
Total equity and liabilities10/49€1.07M€885k▼
Equity10/15€434k€39k▼
Contributions10/11€19k€19k=
Reserves13€467k€467k=
Distributable reserves133€467k€467k=
Profit (loss) carried forward14€-52k€-447k▼
Amounts payable17/49€637k€846k▲
Amounts payable after more than one year17€342k€333k▼
Financial debts170/4€342k€333k▼
Amounts payable within one year42/48€294k€511k▲
Current portion of amounts payable after more than one year42€43k€53k▲
Financial debts43€24k€209k▲
Credit institutions430/8€24k€209k▲
Trade debts44€146k€210k▲
Suppliers440/4€146k€210k▲
Taxes, remuneration and social security45€80k€39k▼
Taxes450/3€57k€5k▼
Remuneration and social security454/9€23k€34k▲
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€181k€247k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€54k▲
Other operating charges640/8€13k€8k▼
Non-recurring operating charges66A€3k€0▼
Gross operating margin9900€318k€-65k▼
Operating profit (loss)9901€71k€-373k▼
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€24k€24k▼
Recurring financial charges65€24k€24k▼
Profit (loss) for the period before taxes9903€48k€-393k▼
Income taxes67/77€17k€1k▼
Profit (loss) for the period9904€32k€-395k▼
Profit (loss) for the period to be appropriated9905€32k€-395k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-20k€-447k▼
Profit (loss) brought forward from the previous period14P€-52k€-52k=
Transfer to equity691/2€32k€0▼
To other reserves6921€32k€0▼
Social balance
Average headcount (FTE)90873.44.4▲
The notes to these accounts (21 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
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-395k ▼1346%
Net result drops to €-395k, the lowest in the series.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €296k ▲441%
Operating result €451k, net result €296k, both a record.
31-12
Financial
Equity above €200kEq €402k ▲280%
5 profitable years in a row build equity to €402k.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €100kEq €106k ▲107%
4 profitable years in a row build equity to €106k.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
06-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 6 days late
2019
31-12
Financial
Back to profitnet €38k
Net result €38k after one loss-making year.
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 57 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
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
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, Oudsbergen · 2 establishment units since 2009
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.
Weg naar Zwartberg 1703660 OudsbergenGround area
4,218 m²
Building footprint
884 m²
Volume, LiDAR
1,020 m³
2 parcels, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
cd-consulting
since 20092.181.804.568
cd-consulting
since 20172.274.275.361
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71308A0818/00F287 | Flanders | 2,955 m² | 1 · 712 m² | 0.6 m |
| 71562B0676/00K000 | Flanders | 1,263 m² | 1 · 172 m² | 8.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 41 companies in sector 28920 we hold annual accounts for 28. 11 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-10-2009
Fiscal year end31-12
Activities, NACEBEL
28920Manufacture of machinery and equipment not elsewhere classified
33170Repair, maintenance and installation of machinery and equipment
46630Wholesale trade
71111Activities of building architects
77320Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:catersfranky@gmail.com
Phone:0491/084822