CFAV CONSEIL
ActiveCFAV CONSEIL has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €22k. Equity is shrinking by ~23.4% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 12% of 17046 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency31▲+3
Growth58=
Track record94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Eight 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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 dateAge against the risk zone
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 2025Solvency, return and age of the figures
Solvency
6.1%
Return on assets
40.5%
Age of the figures
17 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 17046 sector peers (2025).
NBB · sector comparisonPosition among 17046 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-04-2025 was due by 30-11-2025 and was filed on 20-11-2025, 10 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
10 d early
2024
8 d early
2023
8 d early
2022
1 d early
2021
48 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-04-2026 and is due by 30-11-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-04-2026 close23-09-2026 today30-11-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k▲ 0.4%
2024 · €3k
2021: €17k
2022: €38k
2023: €72k
2024: €3k
2021 → 2025
Total assets
€54k▼ 54.9%
2024 · €120k
2021: €37k
2022: €47k
2023: €87k
2024: €120k
2021 → 2025
Net result
€22k▼ 30.7%
2024 · €32k
2021: €15k
2022: €21k
2023: €34k
2024: €32k
2021 → 2025
Working capital
€5k▲ 18.0%
2024 · €4k
2021: €17k
2022: €38k
2023: €71k
2024: €4k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€17k-€38k▲ 126%€72k▲ 89.3%€3k▼ 95.4%€3k▲ 0.4%
Operating result€20k-€28k▲ 41.5%€44k▲ 60.0%€42k▼ 4.9%€30k▼ 29.3%
Net result€15k-€21k▲ 43.6%€34k▲ 60.0%€32k▼ 5.9%€22k▼ 30.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €54k
Fixed assets
€716▼ 51.4%
Current assets
€54k▼ 54.9%
Equity and liabilities €54k
Equity
€3k▲ 0.4%
Debt
€51k▼ 56.4%
The debt ratio falls from 97.3% to 93.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€30k▼
2024 · €43k
Cash flow
€23k▼
2024 · €33k
Solvency
6.1%▲
2024 · 2.7%
Current ratio
1.10▲
2024 · 1.04
Quick ratio
1.10▲
2024 · 1.04
Debt / equity
15.41▼
2024 · 35.52
ROE
665.3%▼
2024 · 963.8%
ROA
40.5%▲
2024 · 26.4%
Interest coverage
67.71▼
2024 · 99.99
Debt
€51k▼
2024 · €117k
Debt ≤ 1 year
€49k▼
2024 · €115k
Income taxes
€8k▼
2024 · €12k
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€120k€54k▼
Fixed assets21/28€1k€716▼
Tangible fixed assets22/27€1k€716▼
Furniture and vehicles24€1k€716▼
Current assets29/58€119k€54k▼
Amounts receivable after more than one year29€74k-
Other amounts receivable291€74k-
Amounts receivable within one year40/41€26k€22k▼
Trade receivables40€5k€6k▲
Other amounts receivable41€21k€16k▼
Cash at bank and in hand54/58€18k€31k▲
Deferred charges and accrued income490/1€309-
Equity and liabilities
Total equity and liabilities10/49€120k€54k▼
Equity10/15€3k€3k▲
Contributions10/11€2k€2k=
Capital10€2k-
Issued capital100€2k-
Outside capital11-€2k
Other1109/19-€2k
Profit (loss) carried forward14€1k€1k▲
Amounts payable17/49€117k€51k▼
Amounts payable within one year42/48€115k€49k▼
Current portion of amounts payable after more than one year42€5k€5k▲
Taxes, remuneration and social security45€9k€6k▼
Taxes450/3€9k€6k▼
Other amounts payable47/48€100k€37k▼
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€756€756=
Other operating charges640/8-€550
Gross operating margin9900€43k€31k▼
Operating profit (loss)9901€42k€30k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€428€450▲
Recurring financial charges65€428€450▲
Profit (loss) for the period before taxes9903€44k€30k▼
Income taxes67/77€12k€8k▼
Profit (loss) for the period9904€32k€22k▼
Profit (loss) for the period to be appropriated9905€32k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€101k€23k▼
Profit (loss) brought forward from the previous period14P€70k€1k▼
Profit to be distributed694/7€100k€22k▼
Return on contributions (dividend)694€100k€22k▼
The notes to these accounts (3 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
2025
20-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
22-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
22-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-04
Financial
Highest result since 2021net €34k ▲60%
Operating result €44k, net result €34k, both a record.
2022
29-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-04
Financial
Liquidity triplescurrent ratio 5.29
Current ratio from 1.80 to 5.29; short-term debt falls from €21k to €9k.
17-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 48 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Ittre · 1 establishment unit since 2021
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.
Rue Cardinal Mercier 131460 IttreGround area
1,376 m²
Building footprint
347 m²
Volume, LiDAR
2,731 m³
Parcel 25108B0547/00N000, Wallonia · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CFAV CONSEIL
since 20212.313.842.948
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25108B0547/00N000 | Wallonia | 1,376 m² | 1 · 347 m² | 11.8 m · 3 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.
Similar companies · same sector, comparable size
Hans Peeters
BE 0682.735.092
Hove · Eq €3k
VERMEIREN INNOVATION CONSULTING
BE 0746.567.032
Duffel · Eq €3k
NOVALPA
BE 0732.590.223
Chaudfontaine · Eq €3k
DOTTI CONSEILS
BE 0735.894.062
Mouscron · Eq €3k
Datalyze
BE 0730.897.077
Wevelgem · Eq €3k
Of 30,000 companies in sector 62200 we hold annual accounts for 18,395. 4,582 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-03-2021
Fiscal year end30-04
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
43211General electrical installation work
46180Agents specialised in the wholesale of other particular products
46190Agents in non-specialised wholesale trade
46500Wholesale of information and communication equipment
46510Wholesale trade
47120Other non-specialised retail sale
47400Retail sale of information and communication equipment
47410Retail trade
47910Retail trade
62010Computer programming, consultancy and related activities
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
71112Activities of interior architects
77330Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:claude@cfav-conseil.com
Phone:+32475642909