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CDF-Conseils

Active
Private limited companyfounded 20251 yr activeChaussée Brunehault(MSA) 409, 7141 Morlanwelz, BelgiumKBO/BCE: BE 1019.763.473
Summary

CDF-Conseils has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €10,207 and a net result of €8,707. Its solvency ranks better than 8% of 12788 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Checked score

Score 2025
Axes
Profitability73
Solvency29
Growth-
Track record67
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.61; short-term debt: 21.1% and cash: 10.8% of total assets), but 95.8% of the assets are financed with debt.
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Signals

Six 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 →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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
4.2%
Return on assets
3.6%
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 8% of 12788 sector peers (2025).
NBB · sector comparison
Position among 12788 sector peers
Solvency
better than 8%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-09-2026, 46 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 · 1 filing
Deviation from the deadline
2025
46 d late
← before the deadline after the deadline →
Checked, nothing found (1)
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

History

CDF-Conseils was incorporated on 7 February 2025 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€10,207
Total assets
€241,830
Net result
€8,707
Working capital
€30,856

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €241,830
Fixed assets €159,999
Current assets €81,831
Equity and liabilities €241,830
Equity €10,207
Debt €231,623
Debt finances 95.8% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€87,871
Cash flow
€63,818
Current ratio
1.61
Debt to equity
22.69
ROE
85.3%
ROA
3.6%
Interest coverage
9.69
Debt ≤ 1 year
€50,975
Debt > 1 year
€178,301
Income taxes
€14,985
Staff costs
€5,805

Peer companies

Historical observation

Of the 514 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency under 10%
  • a profit under 5% of the balance sheet
1.6% went bankrupt
1.2% stopped otherwise
97% still going

A further 0.6% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 514 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 41 lines
Balance sheet Code2025
Assets
Total assets20/58€241,830
Fixed assets21/28€159,999
Intangible fixed assets21€146,589
Tangible fixed assets22/27€13,166
Plant, machinery and equipment23€1,535
Furniture and vehicles24€11,631
Financial fixed assets28€243
Current assets29/58€81,831
Amounts receivable within one year40/41€55,685
Trade receivables40€25,316
Other amounts receivable41€30,369
Cash at bank and in hand54/58€26,146
Equity and liabilities
Total equity and liabilities10/49€241,830
Equity10/15€10,207
Contributions10/11€1,500
Profit (loss) carried forward14€8,707
Amounts payable17/49€231,623
Amounts payable after more than one year17€178,301
Financial debts170/4€178,301
Amounts payable within one year42/48€50,975
Current portion of amounts payable after more than one year42€18,096
Trade debts44€4,003
Suppliers440/4€4,003
Taxes, remuneration and social security45€28,876
Taxes450/3€28,876
Accrued charges and deferred income492/3€2,348
Income statement Code2025
Remuneration, social security and pensions62€5,805
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55,112
Other operating charges640/8€2,330
Non-recurring operating charges66A€255
Gross operating margin9900€96,261
Operating profit (loss)9901€32,759
Financial income75/76B€1
Recurring financial income75€1
Financial charges65/66B€9,069
Recurring financial charges65€9,069
Profit (loss) for the period before taxes9903€23,691
Income taxes67/77€14,985
Profit (loss) for the period9904€8,707
Profit (loss) for the period to be appropriated9905€8,707
Appropriation of the result
Profit (loss) to be appropriated9906€8,707

The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Remuneration, social security and pensions62€5,805
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55,112
Other operating charges640/8€2,330
Non-recurring operating charges66A€255
Gross operating margin9900€96,261
Operating profit (loss)9901€32,759
Financial income75/76B€1
Recurring financial income75€1
Financial charges65/66B€9,069
Recurring financial charges65€9,069
Profit (loss) for the period before taxes9903€23,691
Income taxes67/77€14,985
Profit (loss) for the period9904€8,707
Profit (loss) for the period to be appropriated9905€8,707
Line2025
Assets
Total assets20/58€241,830
Fixed assets21/28€159,999
Intangible fixed assets21€146,589
Tangible fixed assets22/27€13,166
Plant, machinery and equipment23€1,535
Furniture and vehicles24€11,631
Financial fixed assets28€243
Current assets29/58€81,831
Amounts receivable within one year40/41€55,685
Trade receivables40€25,316
Other amounts receivable41€30,369
Cash at bank and in hand54/58€26,146
Equity and liabilities
Total equity and liabilities10/49€241,830
Equity10/15€10,207
Contributions10/11€1,500
Profit (loss) carried forward14€8,707
Amounts payable17/49€231,623
Amounts payable after more than one year17€178,301
Financial debts170/4€178,301
Amounts payable within one year42/48€50,975
Current portion of amounts payable after more than one year42€18,096
Trade debts44€4,003
Suppliers440/4€4,003
Taxes, remuneration and social security45€28,876
Taxes450/3€28,876
Accrued charges and deferred income492/3€2,348
Line2025
Profit (loss) for the period9904€8,707
+ Depreciation and write-downs630€55,112
Operating cash flow (approximation)€63,818

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

2026
15-09
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 46 days late
NBB filing
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, Morlanwelz · 1 establishment unit since 2025
seat establishment The establishment unit on the map
Ground area
2,668 m²
Building footprint
1,032 m²
Volume, LiDAR
6,110 m³
Parcel 56015A0837/00L002, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CDF-CONSEILS
Chaussée Brunehault(CAR) 409, 7141 MorlanwelzCertified accountants and tax accountants
since 20252.370.992.081
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
56015A0837/00L002 Wallonia 2,668 m² 1 · 1,032 m² 7.7 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.

Similar companies · same sector, comparable size

Of 12,174 companies in sector 69201 we hold annual accounts for 7,638. 3,129 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
Founded07-02-2025
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
69209Other tax advisory services
Contact
E-mail info@cdf-conseils.be
E-invoicing
Reachable via Peppol
Peppol ID 0208:1019763473
Also 9925:BE1019763473
Registered 02-04-2025

Register as of 27 September 2026 · Peppol Directory

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