CFP Conseil · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of CFP Conseil is 4.6% (elevated). The 2023 annual accounts show negative equity (€-19k) and a net result of €-320k. The figures fluctuate too strongly year-on-year for a reliable trend projection. The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

4.6% Elevated

0%0,5%1,5%4%10%≥25%

Annual accounts: weaker financial profile +No NACE activity registered +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence

Negative equity

Equity is negative for financial year 2023: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).

View the annual accounts

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Annual accounts not filed

The financial year that closed on 31-12-2024 was due at the National Bank by 31-07-2025. Nothing is on record today, 399 days later. 2 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.

Filed more than 90 days late

The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 04-03-2025, 216 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2023, that is 31-07-2024.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not confirmed	-
31-12-2024	31-07-2025	nothing on record	not filed	-
31-12-2023	31-07-2024	04-03-2025	216 d late	2025-00042976
31-12-2022	31-07-2023	10-12-2024	498 d late	2024-00613066
31-12-2021	31-07-2022	14-03-2025	957 d late	2025-00047867
31-12-2019	31-07-2020	30-11-2024	1583 d late	2024-00607280
31-12-2018	31-07-2019	22-11-2024	1941 d late	2024-00604001
31-12-2017	31-07-2018	01-10-2018	62 d late	2018-67100137
31-12-2016	31-07-2017	05-01-2018	158 d late	2018-00900090
31-12-2015	31-07-2016	14-09-2016	45 d late	2016-59800118
31-12-2014	31-07-2015	26-08-2015	26 d late	2015-51300178
31-12-2013	31-07-2014	21-08-2014	21 d late	2014-48600333

Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Established

Founded in 2011, 15 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Timeline

What happened to this company, by date

State Gazette, CBE and NBB in one series

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

All 11 NBB filing 10 State Gazette act 1

2025

14-03-2025 NBB filing Annual accounts filed

fiscal year 2021 · micro schema

04-03-2025 NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2024

10-12-2024 NBB filing Annual accounts filed

fiscal year 2022 · micro schema

30-11-2024 NBB filing Annual accounts filed

fiscal year 2019 · micro schema

22-11-2024 NBB filing Annual accounts filed

fiscal year 2018 · micro schema

01-07-2024 State Gazette act Registered-office change

No further detail in the source.

2018

01-10-2018 NBB filing Annual accounts filed

fiscal year 2017 · micro schema

05-01-2018 NBB filing Annual accounts filed

fiscal year 2016 · full schema

2016

14-09-2016 NBB filing Annual accounts filed

fiscal year 2015 · full schema

2015

26-08-2015 NBB filing Annual accounts filed

fiscal year 2014 · full schema

2014

21-08-2014 NBB filing Annual accounts filed

fiscal year 2013 · full schema

Financials

TurnoverNot published (micro schema)

EBIT marginNot published (micro schema)

Net result€-320k-1274.9%

Working capital€-51k

CSV export

Annual accounts & ratios

Source: NBB · 2023

Annual accounts filed on 04-03-2025 with the NBB · fiscal year 2023 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

volatile Too volatile to project: the yearly deviation from the trend is ~81% of the level (threshold 35%). We therefore deliberately show no projection line.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

EBITDA

€-197k

- 18-23

Net profit

€-320k

-1274.9% 18-23

Cash flow

€-318k

-1405.3% 18-23

Total assets

€281k

-59.9% 18-23

Equity

€-19k

- 18-23

Working capital

€-51k

- 18-23

Income taxes

€127k

+857.3% 18-23

Debt

€300k

+54.7% 18-23

Show 9 other metrics

Debt ≤ 1y

€179k

+187.3% 18-23

Debt > 1y

€122k

-7.8% 18-23

Current ratio

0.72

-85.3% 18-23

Quick ratio

0.72

-85.3% 18-23

Solvency

-6.9%

- 18-23

Debt / equity

-15.40

- 18-23

ROE

1640.8%

- 18-23

ROA

-114.0%

-3329.4% 18-23

Interest coverage

-51.88

- 18-23

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2023
Deposit	micro schema
Revenue	-
EBITDA	€-197k
Net profit	€-320k
Cash flow	€-318k
Staff costs	-
Income taxes	€127k
Dividends	-
Total assets	€281k
Equity	€-19k
Debt	€300k
of which ≤ 1y	€179k
of which > 1y	€122k
Working capital	€-51k
Employees (FTE)	-

Ratios (computed)

	2023
Current ratio	0.72
Quick ratio	0.72
Working capital ratio	-18.1%
Solvency	-6.9%
Debt / equity	-15.40
Long-term debt ratio	-6.24
Interest coverage	-51.88
Gross margin	-
Net margin	-
ROA	-114.0%
ROE	1640.8%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2023

Assets

Fixed assets €153k · 54.5% Current assets €128k · 45.5%

Full annual accounts (25 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2023
Balance sheet, Assets
TOTAL ASSETS	20/58	€281k
Fixed assets	21/28	€153k
Formation expenses	20	€0
Intangible fixed assets	21	€0
Tangible fixed assets	22/27	€153k
Financial fixed assets	28	€0
Current assets	29/58	€128k
Amounts receivable within one year	40/41	€126k
Cash & bank	54/58	€1k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€281k
Equity	10/15	€-19k
Contributions / capital	10/11	€6k
Reserves	13	€2k
Accumulated profits (losses)	14	€-28k
Amounts payable	17/49	€300k
Amounts payable after one year	17	€122k
Amounts payable within one year	42/48	€179k
Income statement
Gross operating margin	9900	€-1k
Operating result	9901	€-199k
Financial income	75	€9k
Financial charges	65	€4k
Result before taxes	9903	€-193k
Income taxes	67/77	€127k
Net result for the period	9904	€-320k
Result to be appropriated	9905	€-320k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2023 · computed

12 / 100 Critical

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

13 companies at this address See who is registered here

Establishment units

1 location

CFP Conseil

Herbert Hooverlaan 119, 1030 SchaarbeekOverige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering

since 20112.195.268.069

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels2

Ground area569 m²

Buildings2

Building footprint234 m²

Volume (LiDAR)4,011 m³

Tallest building32.6 m · ±7 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21807G0113/00L002	Brussels	385 m²	1 · 135 m²	32.6 m · 7 fl.
21911C0136/00D009	Brussels	184 m²	1 · 99 m²	17.6 m · 5 fl.

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 act

Address history · 1

01-07-2024

Registered-office move

All acts · 1 updated 2 years ago

2024

01-07-2024 Registered office moved from Bruxelles to Ixelles Registered-office change

Rue de l'Amazone 35 - 1060 Bruxelles → Avenue Louise 184 à 1050 Ixelles

Original publication ↗

Analysis

Financial profile

5 of 5 axes measured

56 / 100

Mixed profile: strong on profitability, weaker on health.

All 5 axes are computed from data Checked has read.

Health 12

Profitability 100

Solvency 38

Growth 32

Stability 100

Credit advice

verdict per customer and amount

Company registry

Company registry (CBE)

Crossroads Bank

Names & trade names

Legal nameFR

CFP Conseil

Registered office

Louizalaan 184

1050 Elsene, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.