CF&O
ActiveCF&O has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €152k and a net result of €-20k. Equity is growing by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 93% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability7▼-83
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 19.06 against 3.89 in 2024; short-term debt: 5.2% and cash: 23.6% of total assets), and 5.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
9 d early
2023
15 d early
2022
28 d early
2021
31 d early
2020
16 d early
2019
7 d early
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€152k▼ 11.4%
2024 · €172k
2018: €112k
2019: €109k
2020: €123k
2021: €123k
2022: €145k
2023: €157k
2024: €172k
2018 → 2025
Total assets
€160k▼ 22.3%
2024 · €206k
2018: €118k
2019: €118k
2020: €132k
2021: €149k
2022: €161k
2023: €197k
2024: €206k
2018 → 2025
Net result
€-20k
2024 · €35k
2018: €-916
2019: €-3k
2020: €14k
2021: €13k
2022: €22k
2023: €30k
2024: €35k
2018 → 2025
Working capital
€152k▲ 50.3%
2024 · €101k
2018: €53k
2019: €38k
2020: €51k
2021: €49k
2022: €72k
2023: €86k
2024: €101k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€123k-€145k▲ 17.6%€157k▲ 8.5%€172k▲ 9.4%€152k▼ 11.4%
Operating result€15k-€31k▲ 105%€35k▲ 13.5%€40k▲ 14.2%€-19k
Net result€13k-€22k▲ 64.7%€30k▲ 40.3%€35k▲ 14.8%€-20k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €19k after €40k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €160k
Equity
€152k▼ 11.4%
Debt
€8k▼ 75.9%
The debt ratio falls from 16.9% to 5.2%. Equity and debt are lower.
Key figures and ratios
Solvency
94.8%▲
2024 · 83.1%
Current ratio
19.06▲
2024 · 3.89
Quick ratio
19.06▲
2024 · 3.89
Debt / equity
0.06▼
2024 · 0.20
ROE
-12.9%▼
2024 · 20.3%
ROA
-12.2%▼
2024 · 16.8%
Debt
€8k▼
2024 · €35k
Debt ≤ 1 year
€8k▼
2024 · €35k
Income taxes
€168▼
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€206k€160k▼
Fixed assets21/28€71k-
Financial fixed assets28€71k-
Current assets29/58€136k€160k▲
Amounts receivable after more than one year29€88k€96k▲
Other amounts receivable291€88k€96k▲
Amounts receivable within one year40/41€15k€13k▼
Trade receivables40€15k€13k▼
Other amounts receivable41€41€446▲
Current investments50/53-€10k
Cash at bank and in hand54/58€32k€38k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€206k€160k▼
Equity10/15€172k€152k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€118€118=
Profit (loss) carried forward14€151k€131k▼
Amounts payable17/49€35k€8k▼
Amounts payable within one year42/48€35k€8k▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€10k€6k▼
Taxes450/3€10k€6k▼
Other amounts payable47/48€22k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€717-
Other operating charges640/8€781€71k▲
Gross operating margin9900€41k€52k▲
Operating profit (loss)9901€40k€-19k▼
Financial income75/76B€96€184▲
Recurring financial income75€96€184▲
Financial charges65/66B€317€300▼
Recurring financial charges65€317€300▼
Profit (loss) for the period before taxes9903€40k€-19k▼
Income taxes67/77€5k€168▼
Profit (loss) for the period9904€35k€-20k▼
Profit (loss) for the period to be appropriated9905€35k€-20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€171k€131k▼
Profit (loss) brought forward from the previous period14P€136k€151k▲
Profit to be distributed694/7€20k-
Directors or managers695€20k-
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-20k ▼157%
Net result drops to €-20k, the lowest in the series.
31-12
Financial
Liquidity times 5current ratio 19.06
Current ratio from 3.89 to 19.06; short-term debt falls from €35k to €8k.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €35k ▲14.8%
Operating result €40k, net result €35k, both a record.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €157k ▲8.5%
4 profitable years in a row build equity to €157k.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €14k
Net result €14k after 2 loss-making years.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
31-12-2025
Resigned as Director
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 2006
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Bibliotheekstraat 49000 GentGround area
1,119 m²
Building footprint
142 m²
Volume, LiDAR
1,458 m³
Parcel 44802B0762/00R000, Flanders · tallest building 15.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
CF&O
since 20062.156.250.414
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44802B0762/00R000 | Flanders | 1,119 m² | 1 · 142 m² | 15.8 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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CUE Audio & Consulting
BE 0789.408.566
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GENABYTE
BE 1011.746.919
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LivingLabs
BE 0505.777.301
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 40,783 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded04-09-2006
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:els.cfo@gmail.com
E-mail:rikvandenhende@telenet.be
Phone:+32 495 604 640