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CEDIPSO CONSULTING

Active
Private limited companyfounded 20233 yrs activeRue de Wavre 132, 4280 Hannut, BelgiumKBO/BCE: BE 0795.823.632
Summary

CEDIPSO CONSULTING has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €4,573 and a net result of €900. The computed 12-month bankruptcy probability is 1.3% (low).

What stands out

  1. Total assets 2024 €23,4872 fiscal years filed20232024
  2. Active since 2023 3 yearsfounded 06-01-2023 founded 2023 now 2026

Overview

What they do
Other business support services
NACE 82990 · 1 site
How big
€23,487total assets 2024
Equity €4,573 · Profit €900
Financially healthy?
56 Fair
Bankruptcy chance 1.3% · 12 m
Who decides
Not known
0 of 2 deeds readAccounts 39 d earlyTurnover not published (abridged schema)
Why 56- Limited track record- Annual accounts: weaker financial profile- Higher-failure-rate region+ Lower-failure-rate sectorLatest accounts filed on timeShow the evidence

Checked score

Score 2024
Axes · tick = 2023
Profitability51=
Solvency44▲+3
Growth78
Track record94
Bankruptcy probability, 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 3 years 0 10 y
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
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 2024
Solvency, return and age of the figures
Solvency
19.5%
Return on assets
3.8%
Age of the figures
21 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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 22-06-2026, 39 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
39 d early
2024
34 d early
2023
35 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 36 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.

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. Usually files around 27 June (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
01-10-2026 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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Annual accounts filedfiscal year 2023 · micro…

Financials

Fiscal year 2024Total assets €23,487Profit €900Solvency 19.5%Liquidity 1.12
Total assets
€23,487▼ 0.7%
2023 - 2024
Net result
€900▲ 33.7%
2023 - 2024
Equity
€4,573▲ 24.5%
2023 - 2024
Solvency
19.5%▲ 3.9pp
2023 - 2024

Financials · fiscal year 2024, micro schema, 2025 accounts filed, figures not processed yet

Trend over the years2 fiscal years
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the fiscal year before
favourable unfavourable
Line20232024
Operating result€2,397-€1,916▼ 20.1%
Net result€673within the sector's middle half-€900within the sector's middle half▲ 33.7%
Equity€3,673below the sector's middle half-€4,573below the sector's middle half▲ 24.5%
Total assets€23,642below the sector's middle half-€23,487below the sector's middle half▼ 0.7%
Debt€19,969-€18,914▼ 5.3%
Working capital-€160within the sector's middle half-€2,157within the sector's middle half
Solvency15.5%below the sector's middle half-19.5%within the sector's middle half▲ 3.9pp
Current ratio0.99within the sector's middle half-1.12within the sector's middle half▲ 0.12
Return on assets (ROA)2.8%within the sector's middle half-3.8%within the sector's middle half▲ 1.0pp
above within below the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result and balance sheet2024
Result per fiscal year
Operating resultNet result
€0€1,000€2,000Operating result 2023: €2,397€2,397Net result 2023: €673€673Operating result 2024: €1,916€1,916Net result 2024: €900€90020232024€0€1,000€2,000Operating result 2023: €2,397€2,400Net result 2023: €673€673Operating result 2024: €1,916€1,920Net result 2024: €900€90020232024
The operating result falls in 2024; 2024 is 20% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €23,487
Fixed assets €2,816 ▼ 26.3%
Current assets €20,671 ▲ 4.4%
Equity and liabilities €23,487
Equity €4,573 ▲ 24.5%
Debt €18,914 ▼ 5.3%
Debt's share of the balance-sheet total falls from 84.5% to 80.5%. Equity is higher and debt is lower.
Key figures and ratios2024
Key figures and ratios
2024 value · change against 2023
EBITDA
€2,933▼
2023 · €4,546
Cash flow
€1,917▼
2023 · €2,822
Debt to equity
4.14▼
2023 · 5.44
ROE
19.7%▲
2023 · 18.3%
Interest coverage
3.26▼
2023 · 3.45
Debt ≤ 1 year
€18,514▼
2023 · €19,969
Income taxes
€448▲
2023 · €405
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,542 companies that looked in July 2024 the way this one looks now, 3.5% went bankrupt within 24 months and 95% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 10 to 30%
  • a profit under 5% of the balance sheet
3.5% went bankrupt
1.2% stopped otherwise
95% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.3% 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 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
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%

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 2,542 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.

Filed annual accountsfiscal year 2024
Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 38 lines
Balance sheet Code20232024
Assets
Total assets20/58€23,642€23,487▼
Formation expenses20€11-
Fixed assets21/28€3,822€2,816▼
Tangible fixed assets22/27€3,822€2,816▼
Furniture and vehicles24€1,558€1,043▼
Other tangible fixed assets26€2,264€1,773▼
Current assets29/58€19,809€20,671▲
Amounts receivable within one year40/41€13,635€10,965▼
Trade receivables40€13,625€10,913▼
Other amounts receivable41€10€52▲
Cash at bank and in hand54/58€6,053€9,487▲
Deferred charges and accrued income490/1€121€219▲
Equity and liabilities
Total equity and liabilities10/49€23,642€23,487▼
Equity10/15€3,673€4,573▲
Contributions10/11€3,000€3,000=
Profit (loss) carried forward14€673€1,573▲
Amounts payable17/49€19,969€18,914▼
Amounts payable within one year42/48€19,969€18,514▼
Trade debts44€9,109€3,215▼
Suppliers440/4€9,109€3,215▼
Taxes, remuneration and social security45€4,666€5,987▲
Taxes450/3€4,666€5,987▲
Other amounts payable47/48€6,194€9,312▲
Accrued charges and deferred income492/3-€400
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,149€1,017▼
Other operating charges640/8€154€98▼
Gross operating margin9900€4,700€3,031▼
Operating profit (loss)9901€2,397€1,916▼
Financial income75/76B-€331
Recurring financial income75-€331
Financial charges65/66B€1,319€899▼
Recurring financial charges65€1,319€899▼
Profit (loss) for the period before taxes9903€1,078€1,348▲
Income taxes67/77€405€448▲
Profit (loss) for the period9904€673€900▲
Profit (loss) for the period to be appropriated9905€673€900▲
Appropriation of the result
Profit (loss) to be appropriated9906€673€1,573▲
Profit (loss) brought forward from the previous period14P-€673

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,149€1,017▼ 52.7%
Other operating charges640/8€154€98▼ 36.4%
Gross operating margin9900€4,700€3,031▼ 35.5%
Operating profit (loss)9901€2,397€1,916▼ 20.1%
Financial income75/76B-€331-
Recurring financial income75-€331-
Financial charges65/66B€1,319€899▼ 31.8%
Recurring financial charges65€1,319€899▼ 31.8%
Profit (loss) for the period before taxes9903€1,078€1,348▲ 25.0%
Income taxes67/77€405€448▲ 10.6%
Profit (loss) for the period9904€673€900▲ 33.7%
Profit (loss) for the period to be appropriated9905€673€900▲ 33.7%
Line20232024Change
Assets
Total assets20/58€23,642€23,487▼ 0.7%
Formation expenses20€11--
Fixed assets21/28€3,822€2,816▼ 26.3%
Tangible fixed assets22/27€3,822€2,816▼ 26.3%
Furniture and vehicles24€1,558€1,043▼ 33.1%
Other tangible fixed assets26€2,264€1,773▼ 21.7%
Current assets29/58€19,809€20,671▲ 4.4%
Amounts receivable within one year40/41€13,635€10,965▼ 19.6%
Trade receivables40€13,625€10,913▼ 19.9%
Other amounts receivable41€10€52▲ 420%
Cash at bank and in hand54/58€6,053€9,487▲ 56.7%
Deferred charges and accrued income490/1€121€219▲ 81.0%
Equity and liabilities
Total equity and liabilities10/49€23,642€23,487▼ 0.7%
Equity10/15€3,673€4,573▲ 24.5%
Contributions10/11€3,000€3,000=
Profit (loss) carried forward14€673€1,573▲ 134%
Amounts payable17/49€19,969€18,914▼ 5.3%
Amounts payable within one year42/48€19,969€18,514▼ 7.3%
Trade debts44€9,109€3,215▼ 64.7%
Suppliers440/4€9,109€3,215▼ 64.7%
Taxes, remuneration and social security45€4,666€5,987▲ 28.3%
Taxes450/3€4,666€5,987▲ 28.3%
Other amounts payable47/48€6,194€9,312▲ 50.3%
Accrued charges and deferred income492/3-€400-
Line20232024Change
Profit (loss) for the period9904€673€900▲ 33.7%
+ Depreciation and write-downs630€2,149€1,017▼ 52.7%
Operating cash flow (approximation)€2,822€1,917▼ 32.1%
Investment in fixed assets (approximation)--€11-
Change in cash-€3,434-

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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Comparable companies5

Similar companies · same sector, comparable size

Of 24,494 companies in this sector we hold annual accounts for 9,420. 2,977 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Timeline

3 eventsLatest 22-06-2026Next filing 31-07-2027

History

CEDIPSO CONSULTING was incorporated on 6 January 2023 as a Private limited company.1 The company has filed 3 sets of annual accounts, the latest for fiscal year 2025.2

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

Acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
22-06
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
27-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
26-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
NBB filing
0 of 2 acts read
About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Company details

Private limited company · founded 06-01-2023Year ends 31-12Peppol reachable1 site

Register details

Identification
Legal formPrivate limited company
Founded06-01-2023
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
86931Psychology services
Contact
E-mail cedric.montagnino@gmail.com
E-mail muriel@fiscalyde.be
E-invoicing
Reachable via Peppol
Peppol ID 0208:0795823632
Also 9925:BE0795823632
Registered 18-09-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 1 October 2026 · Peppol Directory

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

Sites & property

Location & real-estate footprint
Registered office, Hannut · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
1,931 m²
Building footprint
435 m²
Volume, LiDAR
3,425 m³
2 parcels, Wallonia · tallest building 13.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CEDIPSO CONSULTING
Rue Jean Volders 161, 1420 Braine-l'AlleudReal estate activities
since 2023unit no. 2.340.716.995
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25742H0804/00_000 Wallonia 967 m² 1 · 222 m² 13.2 m · 3 fl.
64034A0444/00A002 Wallonia 964 m² 1 · 213 m² 9.3 m · 2 fl.
Linked by address, not proof of ownership
Good to know
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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