CDV CONSULT
ActiveSummary
CDV CONSULT has been active since 2008 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags). The 2025 annual accounts show equity of €1.1m and a net result of €208,064. Equity is growing by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 82% of 18537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability86▲+5
Solvency98▼-2
Growth78=
Track record92
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90,000 at 30 days acceptable
Liquidity ample (current ratio 3.5 against 5.04 in 2024; short-term debt: 27.5% and cash: 27.5% of total assets), and 27.5% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more 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 2025Solvency, return and age of the figures
Solvency
72.5%
Return on assets
13.8%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-09-2026, 53 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 · 10 filingsDeviation from the deadline
2025
53 d late
2024
153 d late
2023
495 d late
2022
813 d late
2021
1161 d late
2020
87 d late
2019
179 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 420 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Strikeout withdrawn
Checked, nothing found (1)
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
In the rankings
#4 company by equity in La Hulpe, Wholesale and retail trade sector#7 company by total assets in La Hulpe, Wholesale and retail trade sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€208,064▲ 44.8%
2024 · €143,704
Working capital
€1.0m▼ 6.7%
2024 · €1.1m
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€187,289▼ 10.6%€413,137▲ 121%-€174,953€652,591€286,972▼ 56.0%
Net result€116,393above the sector's middle half▲ 5.9%€304,994above the sector's middle half▲ 162%-€194,314below the sector's middle half€143,704above the sector's middle half€208,064above the sector's middle half▲ 44.8%
Equity€1.2mabove the sector's middle half▲ 10.7%€1.5mabove the sector's middle half▲ 25.2%€1.2mabove the sector's middle half▼ 18.1%€1.2mabove the sector's middle half▼ 5.4%€1.1mabove the sector's middle half▼ 6.6%
Total assets€2.4mabove the sector's middle half▼ 1.1%€3.4mabove the sector's middle half▲ 43.7%€3.0mabove the sector's middle half▼ 10.2%€1.4mabove the sector's middle half▼ 52.3%€1.5mabove the sector's middle half▲ 4.3%
Debt€1.1m▼ 11.1%€1.9m▲ 63.2%€1.8m▼ 3.8%€274,814▼ 84.7%€415,223▲ 51.1%
Working capital€1.6m▲ 45.1%€1.8m▲ 15.7%€2.0m▲ 9.4%€1.1m▼ 43.7%€1.0m▼ 6.7%
Solvency51.4%within the sector's middle half▲ 5.5pp44.8%within the sector's middle half▼ 6.6pp40.8%within the sector's middle half▼ 3.9pp81.0%above the sector's middle half▲ 40.2pp72.5%above the sector's middle half▼ 8.5pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 56% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.5m
Fixed assets
€58,072 ▼ 5.6%
Current assets
€1.5m ▲ 4.8%
Equity and liabilities €1.5m
Equity
€1.1m ▼ 6.6%
Debt
€415,223 ▲ 51.1%
Debt's share of the balance-sheet total rises from 19.0% to 27.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€292,306▼
2024 · €657,788
Cash flow
€213,398▲
2024 · €148,901
Current ratio
3.50▼
2024 · 5.04
Quick ratio
2.54▼
2024 · 3.59
Debt to equity
0.38▲
2024 · 0.23
ROE
19.0%▲
2024 · 12.3%
ROA
13.8%▲
2024 · 9.9%
Interest coverage
145.60▲
2024 · 16.25
Debt ≤ 1 year
€415,223▲
2024 · €274,814
Income taxes
€77,070▼
2024 · €474,360
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,810 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 97% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
3.1%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| 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% | 1.7% |
| 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 75% 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 17,810 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €18,728 | - | €14,819 | €5,197 | €5,334 | ▲ 2.6% |
| Other operating charges640/8 | €14,270 | €12,224 | €5,417 | €4,962 | €512 | ▼ 89.7% |
| Non-recurring operating charges66A | €16,574 | - | - | - | - | - |
| Gross operating margin9900 | €236,861 | €425,361 | -€154,717 | €662,750 | €292,818 | ▼ 55.8% |
| Operating profit (loss)9901 | €187,289 | €413,137 | -€174,953 | €652,591 | €286,972 | ▼ 56.0% |
| Financial income75/76B | €6,385 | €4,649 | €31,043 | €5,942 | €169 | ▼ 97.2% |
| Recurring financial income75 | €6,385 | €4,649 | €31,043 | €5,942 | €169 | ▼ 97.2% |
| Financial charges65/66B | €29,743 | €9,673 | €11,904 | €40,470 | €2,008 | ▼ 95.0% |
| Recurring financial charges65 | €29,743 | €9,673 | €11,904 | €40,470 | €2,008 | ▼ 95.0% |
| Profit (loss) for the period before taxes9903 | €163,931 | €408,113 | -€155,814 | €618,064 | €285,134 | ▼ 53.9% |
| Income taxes67/77 | €47,538 | €103,118 | €38,500 | €474,360 | €77,070 | ▼ 83.8% |
| Profit (loss) for the period9904 | €116,393 | €304,994 | -€194,314 | €143,704 | €208,064 | ▲ 44.8% |
| Profit (loss) for the period to be appropriated9905 | €116,393 | €304,994 | -€194,314 | €143,704 | €208,064 | ▲ 44.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.4m | €3.4m | €3.0m | €1.4m | €1.5m | ▲ 4.3% |
| Fixed assets21/28 | - | €60,058 | €66,715 | €61,518 | €58,072 | ▼ 5.6% |
| Tangible fixed assets22/27 | - | €60,058 | €66,715 | €61,518 | €58,072 | ▼ 5.6% |
| Furniture and vehicles24 | - | €60,058 | €66,715 | €61,518 | €58,072 | ▼ 5.6% |
| Current assets29/58 | €2.4m | €3.3m | €3.0m | €1.4m | €1.5m | ▲ 4.8% |
| Amounts receivable after more than one year29 | - | €75,000 | €24,460 | - | - | - |
| Other amounts receivable291 | - | €75,000 | €24,460 | - | - | - |
| Stocks and contracts in progress3 | €629,000 | €1.4m | €1.2m | €398,419 | €398,419 | = |
| Stocks30/36 | €629,000 | €1.4m | €1.2m | €398,419 | €398,419 | = |
| Amounts receivable within one year40/41 | €602,377 | €538,422 | €1.4m | €493,731 | €638,530 | ▲ 29.3% |
| Trade receivables40 | €566,604 | €538,348 | €1.4m | €493,731 | €466,399 | ▼ 5.5% |
| Other amounts receivable41 | €35,773 | €74 | €74 | - | €172,130 | - |
| Cash at bank and in hand54/58 | €1.1m | €1.3m | €423,813 | €493,882 | €415,289 | ▼ 15.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.4m | €3.4m | €3.0m | €1.4m | €1.5m | ▲ 4.3% |
| Equity10/15 | €1.2m | €1.5m | €1.2m | €1.2m | €1.1m | ▼ 6.6% |
| Contributions10/11 | €14,260 | €14,260 | €14,260 | €14,260 | €14,260 | = |
| Reserves13 | €289,964 | €289,964 | €210,448 | - | €1.1m | - |
| Distributable reserves133 | €289,964 | €289,964 | €210,448 | - | €1.1m | - |
| Profit (loss) carried forward14 | €904,092 | €1.2m | €1.0m | €1.2m | - | - |
| Amounts payable17/49 | €1.1m | €1.9m | €1.8m | €274,814 | €415,223 | ▲ 51.1% |
| Amounts payable after more than one year17 | €350,000 | €350,000 | €800,000 | - | - | - |
| Financial debts170/4 | €350,000 | €350,000 | €800,000 | - | - | - |
| Amounts payable within one year42/48 | €792,880 | €1.5m | €994,825 | €274,814 | €415,223 | ▲ 51.1% |
| Financial debts43 | - | - | €3,864 | - | - | - |
| Credit institutions430/8 | - | - | €3,864 | - | - | - |
| Trade debts44 | €126,671 | €856,357 | €296,079 | €38,924 | - | - |
| Suppliers440/4 | €126,671 | €856,357 | €296,079 | €38,924 | - | - |
| Advances received on contracts in progress46 | €564,536 | €480,072 | €495,522 | - | - | - |
| Taxes, remuneration and social security45 | €101,673 | €178,551 | €199,360 | €235,890 | €396,647 | ▲ 68.1% |
| Taxes450/3 | €101,673 | €178,551 | €199,360 | €235,890 | €396,647 | ▲ 68.1% |
| Other amounts payable47/48 | - | - | - | - | €18,575 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €116,393 | €304,994 | -€194,314 | €143,704 | €208,064 | ▲ 44.8% |
| + Depreciation and write-downs630 | €18,728 | - | €14,819 | €5,197 | €5,334 | ▲ 2.6% |
| Operating cash flow (approximation) | €135,122 | €304,994 | -€179,495 | €148,901 | €213,398 | ▲ 43.3% |
| Investment in fixed assets (approximation) | - | - | -€21,476 | €0 | -€1,888 | - |
| Change in cash | - | €218,135 | -€914,141 | €70,069 | -€78,593 | ▼ 212% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 53 days late
16-01
KBO administration
Strikeout withdrawn
event 31-12-2025
2025
31-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 153 days late
08-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 495 days late
21-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 813 days late
04-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1161 days late
2024
31-12
Financial
Back to profitnet €143,704
Net result €143,704 after one loss-making year.
2023
31-12
Financial
Weakest financial yearnet -€194,314
Net result drops to -€194,314, the lowest in the series; recovery starts the following year.
2022
31-12
Financial
Highest result since 2018net €304,994 ▲162%
Net result €304,994, the highest in the series.
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 87 days late
26-01
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 179 days late
2020
31-12
Financial
Equity above €1mEq €1.1m ▲11.2%
3 profitable years in a row build equity to €1.1m.
Show earlier events
2019
09-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 70 days late
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 13 days late
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 57 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
5 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, La Hulpe · 1 establishment unit since 2008
Ground area
5.5 ha
Building footprint
1.5 ha
Volume, LiDAR
150,696 m³
Parcel 25050E0040/00S000, Wallonia · tallest building 21.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CDV CONSULT
since 20082.172.589.568
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25050E0040/00S000 ProtectedSite or landscape |
Wallonia | 5.5 ha | 1 · 1.5 ha | 21.1 m · 3 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Recognitions · licences · registrations
Legal Entity Identifier
529900WD0DCXFDPXGK64
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Of 10,664 companies in sector 47811 we hold annual accounts for 5,226. 2,879 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
Founded16-05-2008
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46180Agents specialised in the wholesale of other particular products
70200Business and other management consultancy
Contact
Phone
0475/280774La Hulpe
E-invoicing
Reachable via Peppol
Peppol ID
0208:0897957110
Also
9925:BE0897957110
Registered
11-09-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.