Summary
CH Consult is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €6.30M and a net result of €194k. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 71% of 2399 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 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 · 9 filingsDeviation from the deadline
2025
11 d late
2024
28 d late
2023
40 d late
2022
30 d late
2021
65 d late
2020
96 d late
2019
18 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€6.30M▲ 3.2%
2024 · €6.11M
Net result
€194k▲ 7.7%
2024 · €180k
Total assets
€7.63M▲ 1.5%
2024 · €7.52M
Solvency
82.6%▲ 1.4pp
2024 · 81.2%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€300k€314k▲ 4.5%€307k▼ 2.2%€300k▼ 2.2%€300k=
Operating result€66k▲ 129%€263k▲ 299%€245k▼ 6.8%€246k▲ 0.1%€246k=
Net result€614k▲ 1,416%€181k▼ 70.5%€177k▼ 2.4%€180k▲ 1.5%€194k▲ 7.7%
Equity€5.70M▲ 12.1%€5.75M▲ 0.9%€5.93M▲ 3.1%€6.11M▲ 3.0%€6.30M▲ 3.2%
Total assets€6.87M▲ 28.4%€7.07M▲ 2.8%€7.40M▲ 4.7%€7.52M▲ 1.6%€7.63M▲ 1.5%
Debt€1.18M▲ 339%€1.32M▲ 12.1%€1.47M▲ 11.8%€1.41M▼ 3.9%€1.33M▼ 5.9%
Working capital€456k▲ 454%€459k▲ 0.7%€527k▲ 15.0%€664k▲ 25.9%€785k▲ 18.3%
Solvency82.9%▼ 12.1pp81.4%▼ 1.5pp80.1%▼ 1.3pp81.2%▲ 1.1pp82.6%▲ 1.4pp
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 0% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.63M
Fixed assets
€6.29M ▼ 0.5%
Current assets
€1.34M ▲ 11.6%
Equity and liabilities €7.63M
Equity
€6.30M ▲ 3.2%
Debt
€1.33M ▼ 5.9%
Debt's share of the balance-sheet total falls from 18.8% to 17.4%. Equity is higher and debt is lower.
Key figures and ratios
ROE
3.1%▲
2024 · 2.9%
ROA
2.5%▲
2024 · 2.4%
Debt ≤ 1 year
€558k▲
2024 · €539k
Debt > 1 year
€773k▼
2024 · €874k
Income taxes
€67k▲
2024 · €65k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | €312k | €329k | €331k | €316k | €315k | ▼ 0.4% |
| Turnover70 | €300k | €314k | €307k | €300k | €300k | = |
| Other operating income74 | €12k | €15k | €24k | €15k | €15k | ▼ 3.2% |
| Non-recurring operating income76A | - | - | - | €932 | €0 | ▼ 100% |
| Operating charges60/66A | €246k | €66k | €86k | €71k | €69k | ▼ 2.1% |
| Services and other goods61 | €20k | €29k | €51k | €37k | €33k | ▼ 10.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €224k | €29k | €30k | €30k | €30k | = |
| Other operating charges640/8 | €2k | €7k | €4k | €2k | €4k | ▲ 126% |
| Non-recurring operating charges66A | €0 | - | - | €2k | €2k | ▲ 9.4% |
| Operating profit (loss)9901 | €66k | €263k | €245k | €246k | €246k | = |
| Financial income75/76B | €577k | €2k | €12k | €36k | €53k | ▲ 48.4% |
| Recurring financial income75 | €577k | €2k | €12k | €36k | €53k | ▲ 48.4% |
| Income from financial fixed assets750 | €574k | €0 | - | - | - | - |
| Income from current assets751 | €4k | €2k | €12k | €36k | €53k | ▲ 48.4% |
| Other financial income752/9 | €0 | - | - | - | - | - |
| Financial charges65/66B | €11k | €15k | €20k | €37k | €39k | ▲ 5.1% |
| Recurring financial charges65 | €11k | €15k | €20k | €37k | €39k | ▲ 5.1% |
| Debt charges650 | €10k | €14k | €20k | €35k | €37k | ▲ 4.3% |
| Other financial charges652/9 | €985 | €828 | €934 | €2k | €2k | ▲ 22.3% |
| Non-recurring financial charges66B | €0 | - | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €632k | €251k | €237k | €245k | €260k | ▲ 6.4% |
| Income taxes67/77 | €18k | €69k | €60k | €65k | €67k | ▲ 2.7% |
| Taxes670/3 | €18k | €69k | €61k | €65k | €67k | ▲ 2.9% |
| Tax adjustments and reversals of tax provisions77 | - | - | €693 | €0 | €136 | - |
| Profit (loss) for the period9904 | €614k | €181k | €177k | €180k | €194k | ▲ 7.7% |
| Profit (loss) for the period to be appropriated9905 | €614k | €181k | €177k | €180k | €194k | ▲ 7.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €6.87M | €7.07M | €7.40M | €7.52M | €7.63M | ▲ 1.5% |
| Fixed assets21/28 | €6.19M | €6.29M | €6.35M | €6.32M | €6.29M | ▼ 0.5% |
| Tangible fixed assets22/27 | €1.19M | €1.16M | €1.15M | €1.12M | €1.09M | ▼ 2.7% |
| Land and buildings22 | €1.19M | €1.16M | €1.14M | €1.11M | €1.08M | ▼ 2.6% |
| Plant, machinery and equipment23 | - | - | €13k | €12k | €10k | ▼ 11.5% |
| Furniture and vehicles24 | €0 | - | - | - | - | - |
| Financial fixed assets28 | €5.00M | €5.12M | €5.20M | €5.20M | €5.20M | = |
| Affiliated companies280/1 | €5.00M | €5.12M | €5.12M | €5.12M | €5.12M | = |
| Participating interests280 | €5.00M | €5.12M | €5.12M | €5.12M | €5.12M | = |
| Companies linked by participating interests282/3 | €250 | €2k | €2k | €2k | €2k | = |
| Participating interests282 | €250 | €2k | €2k | €2k | €2k | = |
| Other financial fixed assets284/8 | - | - | €75k | €75k | €75k | = |
| Amounts receivable and cash guarantees285/8 | - | - | €75k | €75k | €75k | = |
| Current assets29/58 | €679k | €778k | €1.05M | €1.20M | €1.34M | ▲ 11.6% |
| Stocks and contracts in progress3 | €0 | €0 | €0 | €0 | €0 | - |
| Amounts receivable within one year40/41 | €517k | €770k | €1.05M | €1.20M | €1.34M | ▲ 11.7% |
| Trade receivables40 | €26k | €112k | €107k | €43k | €93k | ▲ 116% |
| Other amounts receivable41 | €491k | €658k | €938k | €1.16M | €1.25M | ▲ 7.8% |
| Cash at bank and in hand54/58 | €160k | €7k | €6k | €0 | - | - |
| Deferred charges and accrued income490/1 | €2k | €0 | - | €826 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €6.87M | €7.07M | €7.40M | €7.52M | €7.63M | ▲ 1.5% |
| Equity10/15 | €5.70M | €5.75M | €5.93M | €6.11M | €6.30M | ▲ 3.2% |
| Contributions10/11 | €5.01M | €5.01M | €5.01M | €5.01M | €5.01M | = |
| Reserves13 | €691k | €743k | €920k | €1.10M | €1.29M | ▲ 17.6% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €0 | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €0 | - | - |
| Distributable reserves133 | €690k | €741k | €918k | €1.10M | €1.29M | ▲ 17.6% |
| Amounts payable17/49 | €1.18M | €1.32M | €1.47M | €1.41M | €1.33M | ▼ 5.9% |
| Amounts payable after more than one year17 | €952k | €999k | €949k | €874k | €773k | ▼ 11.6% |
| Financial debts170/4 | €952k | €999k | €949k | €874k | €773k | ▼ 11.6% |
| Credit institutions173 | €952k | €999k | €949k | €874k | €773k | ▼ 11.6% |
| Amounts payable within one year42/48 | €223k | €319k | €524k | €539k | €558k | ▲ 3.5% |
| Current portion of amounts payable after more than one year42 | €46k | €69k | €74k | €83k | €65k | ▼ 21.8% |
| Financial debts43 | - | - | €49k | €72k | €52k | ▼ 28.1% |
| Credit institutions430/8 | - | - | €49k | €72k | €52k | ▼ 28.1% |
| Trade debts44 | €8k | €7k | €32k | €10k | €12k | ▲ 15.7% |
| Suppliers440/4 | €8k | €7k | €32k | €10k | €12k | ▲ 15.7% |
| Advances received on contracts in progress46 | €0 | - | - | - | - | - |
| Taxes, remuneration and social security45 | €33k | €125k | €68k | €5k | €12k | ▲ 136% |
| Taxes450/3 | €33k | €125k | €68k | €5k | €12k | ▲ 136% |
| Other amounts payable47/48 | €136k | €119k | €300k | €369k | €418k | ▲ 13.3% |
| Accrued charges and deferred income492/3 | €953 | €0 | - | €2k | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €614k | €181k | €177k | €180k | €194k | ▲ 7.7% |
| + Depreciation and write-downs630 | €224k | €29k | €30k | €30k | €30k | = |
| Operating cash flow (approximation) | €838k | €210k | €207k | €210k | €224k | ▲ 6.6% |
| Investment in fixed assets (approximation) | - | €-123k | €-89k | €0 | €0 | - |
| Change in cash | - | €-153k | €-1k | €-6k | - | - |
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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 11 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema · 28 days late
2024
09-09
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema · 40 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema · 30 days late
2022
04-10
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema · 65 days late
2021
31-12
Financial
Highest result since 2018net €614k ▲1,416%
Net result €614k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 3.04
Current ratio from 1.31 to 3.04; short-term debt falls from €268k to €223k.
04-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 96 days late
2020
31-12
Financial
Weakest financial yearnet €40k ▼81.7%
Net result drops to €40k, the lowest in the series; recovery starts the following year.
18-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 18 days late
2019
31-12
Financial
Equity above €5MEq €5.04M ▲11,607%
2 profitable years in a row build equity to €5.04M.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
12-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 73 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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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Directors · office · real estate
Directors
4 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, Tournai · 1 establishment unit since 2016
Ground area
2,459 m²
Building footprint
289 m²
Volume, LiDAR
1,527 m³
Parcel 57042C0031/00V002, Wallonia · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CH Consult
since 20162.254.700.167
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57042C0031/00V002 | Wallonia | 2,459 m² | 1 · 289 m² | 7.8 m · 2 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.
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Of 24,730 companies in sector 64210 we hold annual accounts for 19,766. 7,422 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
Founded18-04-2016
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.