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CD CONSULTANCY

Active
Private limited companyfounded 20188 yrs activeStationsstraat(HA) 25A, 9450 Haaltert, BelgiumKBO/BCE: BE 0693.765.675
Summary

CD CONSULTANCY has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €60k. Equity is shrinking by ~17% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 20% of 12738 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability100=
Solvency45▼-11
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.19 against 1.31 in 2024; short-term debt: 80.3% and cash: 9.8% of total assets), and 80.3% of the assets are financed with debt.
Credit check 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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← 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 2025
Solvency, return and age of the figures
Solvency
19.7%
Return on assets
57.9%
Age of the figures
9 mo
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 date
Age against the risk zone
highest failure risk from 2 to 8 years 8 years 0 10 y
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 12738 sector peers (2025).
NBB · sector comparison
Position among 12738 sector peers
Solvency
better than 20%
← 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 28-07-2026, 3 days ahead of the deadline.
NBB · 8 filings
Deviation from the deadline
2025
3 d early
2024
2 d early
2023
2 d early
2022
3 d early
2021
75 d late
2020
61 d late
2019
91 d late
← before the deadline after the deadline →
Checked, nothing found (2)
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 months
Position in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity
€21k▼ 48.8%
2024 · €40k
2018: €56k 2019: €109k▲ +93.6% vs 2018 2020: €128k▲ +17.6% vs 2019 2021: €139k▲ +8.4% vs 2020highest in 8 years 2022: €117k▼ -15.4% vs 2021 2023: €52k▼ -55.9% vs 2022 2024: €40k▼ -22.4% vs 2023 2025: €21k▼ -48.8% vs 2024lowest in 8 years
2018 → 2025
Total assets
€104k▼ 20.3%
2024 · €131k
2018: €375k 2019: €399k▲ +6.4% vs 2018 2020: €403k▲ +1.0% vs 2019highest in 8 years 2021: €327k▼ -19.0% vs 2020 2022: €261k▼ -20.0% vs 2021 2023: €211k▼ -19.1% vs 2022 2024: €131k▼ -38.1% vs 2023 2025: €104k▼ -20.3% vs 2024lowest in 8 years
2018 → 2025
Net result
€60k▲ 57.4%
2024 · €38k
2018: €38k 2019: €53k▲ +40.0% vs 2018 2020: €19k▼ -63.5% vs 2019 2021: €11k▼ -43.6% vs 2020lowest in 8 years 2022: €20k▲ +81.4% vs 2021 2023: €35k▲ +76.1% vs 2022 2024: €38k▲ +11.2% vs 2023 2025: €60k▲ +57.4% vs 2024highest in 8 years
2018 → 2025
Working capital
€16k▼ 41.9%
2024 · €28k
2018: €-11klowest in 8 years 2019: €20k▲ +291% vs 2018 2020: €39k▲ +90.3% vs 2019highest in 8 years 2021: €23k▼ -39.8% vs 2020 2022: €9k▼ -60.4% vs 2021 2023: €-10k▼ -203% vs 2022 2024: €28k▲ +390% vs 2023 2025: €16k▼ -41.9% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Equity€139k-€117k▼ 15.4%€52k▼ 55.9%€40k▼ 22.4%€21k▼ 48.8% 2021: €139khighest in 5 years 2022: €117k▼ -15.4% vs 2021 2023: €52k▼ -55.9% vs 2022 2024: €40k▼ -22.4% vs 2023 2025: €21k▼ -48.8% vs 2024lowest in 5 years
Operating result€34k-€42k▲ 22.8%€59k▲ 40.6%€64k▲ 9.1%€82k▲ 27.7% 2021: €34klowest in 5 years 2022: €42k▲ +22.8% vs 2021 2023: €59k▲ +40.6% vs 2022 2024: €64k▲ +9.1% vs 2023 2025: €82k▲ +27.7% vs 2024highest in 5 years
Net result€11k-€20k▲ 81.4%€35k▲ 76.1%€38k▲ 11.2%€60k▲ 57.4% 2021: €11klowest in 5 years 2022: €20k▲ +81.4% vs 2021 2023: €35k▲ +76.1% vs 2022 2024: €38k▲ +11.2% vs 2023 2025: €60k▲ +57.4% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€25k€50k€75kOperating result 2021: €34k€34kNet result 2021: €11k€11kOperating result 2022: €42k€42kNet result 2022: €20k€20kOperating result 2023: €59k€59kNet result 2023: €35k€35kOperating result 2024: €64k€64kNet result 2024: €38k€38kOperating result 2025: €82k€82kNet result 2025: €60k€60k20212022202320242025€0€25k€50k€75kOperating result 2023: €59k€59kNet result 2023: €35k€35kOperating result 2024: €64k€64kNet result 2024: €38k€38kOperating result 2025: €82k€82kNet result 2025: €60k€60k202320242025
The operating result has risen four years in a row; 2025 is 28% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €104k
Fixed assets €4k ▼ 64.0%
Current assets €100k ▼ 15.7%
Equity and liabilities €104k
Equity €21k ▼ 48.8%
Debt €84k ▼ 7.6%
Debt's share of the balance-sheet total rises from 69.3% to 80.3%. Equity and debt are lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€86k▼
2024 · €126k
Cash flow
€64k▼
2024 · €100k
Current ratio
1.19▼
2024 · 1.31
Debt to equity
4.07▲
2024 · 2.26
ROE
293.7%▲
2024 · 95.6%
ROA
57.9%▲
2024 · 29.3%
Interest coverage
33.91▼
2024 · 78.23
Debt ≤ 1 year
€84k▼
2024 · €91k
Income taxes
€19k▼
2024 · €25k
Staff costs
€121k▲
2024 · €114k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet Code20242025
Assets
Total assets20/58€131k€104k▼
Fixed assets21/28€12k€4k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€12k€4k▼
Furniture and vehicles24€12k€4k▼
Other tangible fixed assets26€0-
Financial fixed assets28€350€600▲
Current assets29/58€118k€100k▼
Amounts receivable after more than one year29€21k€0▼
Trade receivables290€21k€0▼
Amounts receivable within one year40/41€50k€61k▲
Trade receivables40€50k€46k▼
Other amounts receivable41€0€16k▲
Current investments50/53€3k€0▼
Cash at bank and in hand54/58€14k€10k▼
Deferred charges and accrued income490/1€31k€28k▼
Equity and liabilities
Total equity and liabilities10/49€131k€104k▼
Equity10/15€40k€21k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€20k€108▼
Amounts payable17/49€91k€84k▼
Amounts payable within one year42/48€91k€84k▼
Current portion of amounts payable after more than one year42€1k€4k▲
Trade debts44€22k€26k▲
Suppliers440/4€22k€26k▲
Taxes, remuneration and social security45€58k€48k▼
Taxes450/3€41k€30k▼
Remuneration and social security454/9€17k€18k▲
Other amounts payable47/48€10k€5k▼
Income statement Code20242025
Remuneration, social security and pensions62€114k€121k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€62k€3k▼
Other operating charges640/8€4k€3k▼
Gross operating margin9900€244k€210k▼
Operating profit (loss)9901€64k€82k▲
Financial income75/76B€34€28▼
Recurring financial income75€34€28▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€63k€80k▲
Income taxes67/77€25k€19k▼
Profit (loss) for the period9904€38k€60k▲
Profit (loss) for the period to be appropriated9905€38k€60k▲
Appropriation of the result
Profit (loss) to be appropriated9906€70k€80k▲
Profit (loss) brought forward from the previous period14P€31k€20k▼
Profit to be distributed694/7€50k€80k▲
Return on contributions (dividend)694€50k€80k▲

The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Accounts by statement
Line20212022202320242025Change
Remuneration, social security and pensions62€102k€104k€104k€114k€121k▲ 6.4%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€53k€55k€50k€62k€3k▼ 94.6%
Other operating charges640/8€11k€9k€5k€4k€3k▼ 22.4%
Gross operating margin9900€201k€211k€218k€244k€210k▼ 14.0%
Operating profit (loss)9901€34k€42k€59k€64k€82k▲ 27.7%
Financial income75/76B€638€1k€2k€34€28▼ 19.6%
Recurring financial income75€638€1k€2k€34€28▼ 19.6%
Financial charges65/66B€3k€2k€2k€2k€3k▲ 56.5%
Recurring financial charges65€3k€2k€2k€2k€3k▲ 56.5%
Profit (loss) for the period before taxes9903€32k€42k€59k€63k€80k▲ 26.9%
Income taxes67/77€21k€22k€25k€25k€19k▼ 20.8%
Profit (loss) for the period9904€11k€20k€35k€38k€60k▲ 57.4%
Profit (loss) for the period to be appropriated9905€11k€20k€35k€38k€60k▲ 57.4%
Line20212022202320242025Change
Assets
Total assets20/58€327k€261k€211k€131k€104k▼ 20.3%
Fixed assets21/28€158k€111k€61k€12k€4k▼ 64.0%
Intangible fixed assets21€139k€96k€53k€0--
Tangible fixed assets22/27€19k€15k€8k€12k€4k▼ 68.0%
Plant, machinery and equipment23€368€0----
Furniture and vehicles24€16k€15k€8k€12k€4k▼ 68.0%
Other tangible fixed assets26€3k€356€158€0--
Financial fixed assets28€350€350€350€350€600▲ 71.4%
Current assets29/58€169k€150k€150k€118k€100k▼ 15.7%
Amounts receivable after more than one year29€39k€31k€23k€21k€0▼ 100%
Trade receivables290€39k€31k€23k€21k€0▼ 100%
Amounts receivable within one year40/41€79k€70k€72k€50k€61k▲ 23.4%
Trade receivables40€79k€70k€54k€50k€46k▼ 8.0%
Other amounts receivable41--€18k€0€16k-
Current investments50/53€3k€3k€3k€3k€0▼ 100%
Cash at bank and in hand54/58€23k€33k€20k€14k€10k▼ 27.0%
Deferred charges and accrued income490/1€25k€13k€32k€31k€28k▼ 9.1%
Equity and liabilities
Total equity and liabilities10/49€327k€261k€211k€131k€104k▼ 20.3%
Equity10/15€139k€117k€52k€40k€21k▼ 48.8%
Contributions10/11€19k€19k€19k€19k€19k=
Reserves13€2k€2k€2k€2k€2k=
Non-distributable reserves130/1€2k€2k€2k€2k€2k=
Reserves not available under the articles1311€2k€2k€2k€2k€2k=
Profit (loss) carried forward14€118k€97k€31k€20k€108▼ 99.5%
Amounts payable17/49€188k€144k€160k€91k€84k▼ 7.6%
Amounts payable after more than one year17€43k€3k€0---
Financial debts170/4€43k€3k€0---
Amounts payable within one year42/48€145k€141k€160k€91k€84k▼ 7.6%
Current portion of amounts payable after more than one year42€78k€40k€3k€1k€4k▲ 280%
Trade debts44€9k€23k€27k€22k€26k▲ 16.4%
Suppliers440/4€9k€23k€27k€22k€26k▲ 16.4%
Advances received on contracts in progress46€6k€0----
Taxes, remuneration and social security45€52k€60k€58k€58k€48k▼ 16.0%
Taxes450/3€39k€43k€40k€41k€30k▼ 25.5%
Remuneration and social security454/9€13k€17k€18k€17k€18k▲ 7.2%
Other amounts payable47/48-€17k€71k€10k€5k▼ 46.0%
Line20212022202320242025Change
Profit (loss) for the period9904€11k€20k€35k€38k€60k▲ 57.4%
+ Depreciation and write-downs630€53k€55k€50k€62k€3k▼ 94.6%
Operating cash flow (approximation)€64k€75k€84k€100k€64k▼ 36.4%
Investment in fixed assets (approximation)-€-8k€0€-13k€5k▲ 136%
Change in cash-€10k€-13k€-6k€-4k▲ 34.6%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
28-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Highest result since 2018net €60k ▲57.4%
Operating result €82k, net result €60k, both a record.
29-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
29-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
14-10
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 75 days late
2021
31-12
Financial Weakest financial yearnet €11k ▼43.6%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
30-09
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
30-10
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial Equity above €100kEq €109k ▲93.6%
2 profitable years in a row build equity to €109k.
30-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Haaltert · 1 establishment unit since 2018
seat establishment The establishment unit on the map
Ground area
228 m²
Building footprint
132 m²
Volume, LiDAR
920 m³
Parcel 41024B0149/00T003, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CD CONSULTANCY
Stationsstraat(HA) 25A, 9450 HaaltertLegal and accounting activities
since 20182.274.688.206
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
41024B0149/00T003 Flanders 228 m² 1 · 132 m² 10.5 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Public money · subsidies and aid

Flemish government

2022 to 2025 · 4 entries · 1,804 EUR awarded · 1,625 EUR paid
Year Entries awardedpaid
2025 1 657 EUR478 EUR
2024 1 537 EUR537 EUR
2023 1 318 EUR318 EUR
2022 1 292 EUR292 EUR
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
4 entries · 1,804 EUR · 1,625 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 4,455 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded29-03-2018
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants

Scores and ratios are computed by Checked and are not a credit decision.