CDO Expertise-Comptable
ActiveSummary
CDO Expertise-Comptable has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2,506 and a net result of €42,477. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 6% of 15,782 sector peers (NACE 69, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 05-10-2022 Normal situation
- Activity
- Certified accountants and tax accountants NACE 69201
- Establishment unit
- 2.336.568.464 4250 Geer, since 05-10-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 06-03-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- < 0.1%
- Gross margin
- €76,152
- ▲ 69.9%
- Turnover
- ≈ €160,000
- estimated
- Profit
- €42,477
- ▲ 65.6%
- Equity
- €2,506
- ▼ 93.6%
- Total assets
- €131,844
- ▲ 65.5%
Score breakdownraises riskEquity €2,506 (1.9% of total assets)lowers riskSector: Legal and accounting activities (NACE 69)Liquidity: current ratio 0.84, cash €65,364Figures for financial year 2025 (filed on 14-03-2026)Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 69, micro). It does better than 7% of them on solvency, 38% on liquidity, 82% on profitability and 4% on growth.
The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 4 accounts on average 60 days before the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 14-03-2026 PDF all 4 filings
2022 to 2025, 4 financial years
The operating result for 2025 is 60% higher than in 2024 and the highest since 2022. It is the third rise in a row.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Legal and accounting activities (NACE 69). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Investments
| Item | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Tangible fixed assets | €1,172 | €2,313 | €31,360 | €32,616 |
| Depreciation and write-downs of the year | €29 | €318 | €8,423 | €18,828 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €29 | €318 | €8,423 | €18,828 | ▲ 124% |
| Other operating charges640/8 | €150 | €469 | €1,088 | €736 | ▼ 32.4% |
| Gross operating margin9900 | €2,125 | €15,745 | €44,816 | €76,152 | ▲ 69.9% |
| Operating profit (loss)9901 | €1,946 | €14,958 | €35,305 | €56,588 | ▲ 60.3% |
| Financial income75/76B | - | - | - | €1 | - |
| Recurring financial income75 | - | - | - | €1 | - |
| Financial charges65/66B | €14 | €37 | €1,162 | €599 | ▼ 48.4% |
| Recurring financial charges65 | €14 | €37 | €1,162 | €599 | ▼ 48.4% |
| Profit (loss) for the period before taxes9903 | €1,933 | €14,921 | €34,144 | €55,989 | ▲ 64.0% |
| Income taxes67/77 | €565 | €3,484 | €8,487 | €13,512 | ▲ 59.2% |
| Profit (loss) for the period9904 | €1,368 | €11,438 | €25,657 | €42,477 | ▲ 65.6% |
| Profit (loss) for the period to be appropriated9905 | €1,368 | €11,438 | €25,657 | €42,477 | ▲ 65.6% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €14,887 | €26,224 | €79,641 | €131,844 | ▲ 65.5% |
| Fixed assets21/28 | €1,143 | €3,138 | €26,075 | €39,863 | ▲ 52.9% |
| Tangible fixed assets22/27 | €1,143 | €3,138 | €26,075 | €39,863 | ▲ 52.9% |
| Furniture and vehicles24 | €1,143 | €3,138 | €21,805 | €35,050 | ▲ 60.7% |
| Other tangible fixed assets26 | - | - | €4,270 | €4,813 | ▲ 12.7% |
| Current assets29/58 | €13,744 | €23,086 | €53,566 | €91,980 | ▲ 71.7% |
| Amounts receivable within one year40/41 | €12,971 | €2,253 | €4,664 | €23,131 | ▲ 396% |
| Trade receivables40 | €12,971 | €2,178 | €4,664 | €13,717 | ▲ 194% |
| Other amounts receivable41 | - | €75 | - | €9,414 | - |
| Cash at bank and in hand54/58 | €773 | €18,827 | €45,925 | €65,364 | ▲ 42.3% |
| Deferred charges and accrued income490/1 | - | €2,006 | €2,977 | €3,486 | ▲ 17.1% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €14,887 | €26,224 | €79,641 | €131,844 | ▲ 65.5% |
| Equity10/15 | €3,868 | €14,505 | €39,329 | €2,506 | ▼ 93.6% |
| Contributions10/11 | €2,500 | €2,500 | €2,500 | €2,500 | = |
| Profit (loss) carried forward14 | €1,368 | €12,005 | €36,829 | €6 | ▼ 100.0% |
| Amounts payable17/49 | €11,019 | €11,719 | €40,312 | €129,337 | ▲ 221% |
| Amounts payable after more than one year17 | - | - | €6,384 | €20,144 | ▲ 216% |
| Financial debts170/4 | - | - | €6,384 | €20,144 | ▲ 216% |
| Amounts payable within one year42/48 | €11,019 | €11,719 | €33,928 | €109,193 | ▲ 222% |
| Current portion of amounts payable after more than one year42 | - | - | €2,655 | €11,654 | ▲ 339% |
| Trade debts44 | €121 | €522 | €44 | €2,234 | ▲ 51× |
| Suppliers440/4 | €121 | €522 | €44 | €2,234 | ▲ 51× |
| Taxes, remuneration and social security45 | €6,422 | €4,049 | €17,468 | €16,006 | ▼ 8.4% |
| Taxes450/3 | €4,622 | €4,049 | €17,468 | €16,006 | ▼ 8.4% |
| Remuneration and social security454/9 | €1,800 | - | - | - | - |
| Other amounts payable47/48 | €4,476 | €7,148 | €13,761 | €79,300 | ▲ 476% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,368 | €11,438 | €25,657 | €42,477 | ▲ 65.6% |
| + Depreciation and write-downs630 | €29 | €318 | €8,423 | €18,828 | ▲ 124% |
| Operating cash flow (approximation) | €1,397 | €11,755 | €34,080 | €61,305 | ▲ 79.9% |
| Investment in fixed assets (approximation) | - | -€2,313 | -€31,360 | -€32,616 | ▼ 4.0% |
| Change in cash | - | €18,054 | €27,098 | €19,439 | ▼ 28.3% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 2,157 companies had the same profile as CDO Expertise-Comptable has now. Two years later, 3.0% had gone bankrupt and 94.1% were still going.
- Micro
- 2 to 5 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of CDO Expertise-Comptable itself is lower: < 0.1% within 12 months. It rests on far more data about CDO Expertise-Comptable than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,157 companies, not a prediction for CDO Expertise-Comptable. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Board & ownership
Directors
Owners and capital
Shareholders
- DOMBRET Charlotte Raymonde Jeanne 250 shares (100%) · €2,500
Capital transactions
- 07-10-2022 Incorporation · €2,500 · 250 shares
Mandate history
- Board
- began earlier
- end not dated
| Name | Functions and periods |
|---|---|
| DOMBRET CHAROTTE |
|
| DOMBRET Charlotte Raymonde Jeanne |
|
Articles of association
- Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
- “250, Chaque action donne un droit égal dans la répartition des bénéfices et des produits de la liquidation”
Articles of association, deed of 07-10-2022 (in French)
Network & group
CDO Expertise-Comptable shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of CDO Expertise-Comptable. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
07-10
Gazette deed
IncorporationStarting capital €2,500 · Appointment: DOMBRET Charlotte Raymonde Jeanne (director) · Registered office clause · Pre-incorporation commitments6 points ▸
- Registered office clause, “4250 Geer,rue de Villereau,8” (deed in French)
- Director appointment, DOMBRET Charlotte Raymonde Jeanne (director (not named in the articles))
- Pre-incorporation commitments, “takeover”, 01-06-2022 (deed in French)
- Founder, DOMBRET Charlotte Raymonde Jeanne
- Incorporation, 05-10-2022
- Founding capital, €2,500
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
8 activities
- Les services juridiques en rapport avec les activités du professionnel;
- Fournir des conseils,des consultations en matière statistique,économique,financière et administrative,
- Mener toutes sortes d'études et d'activités à cet égard,à l'exception des conseils en investissement et des activités pour lesquelles une reconnaissance supplémentaire est requise et/ou qui sont réservées par la loi à d'autres professions;
- Fournir des conseils et une assistance en matière sociale,notamment l’accomplissement des formalités y relatives tel que le calcul des salaires
- Exercer les activités d’ordre juridique et économique compatibles avec la déontologie de la profession.
- Exercer l’activité de syndic immobilier
- Exercer la fonction de liquidateur dans d’autres sociétés.
- Exercer des mandats d’administrateurs dans d’autres sociétés inscrites au registre public de l’Institut.(ITAA)
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 64013A0086/00F000 | Wallonia | 1,290 m² | 1 · 133 m² | - |