CHB CONSULT
ActiveCHB CONSULT has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €200k and a net result of €143k. Its solvency ranks better than 58% of 346 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2026
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+20
Growth78
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 3.94 against 2.31 in 2024; short-term debt: 23.5% and cash: 92% of total assets), and 24.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
75.6%
Return on assets
54.2%
Age of the figures
6 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 10-09-2026, 51 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2026
51 d early
2024
44 d early
← before the deadline
after the deadline →
Financials · fiscal year 2026, micro schema
Equity
€200k▲ 248%
2024 · €57k
2024: €57k
2024 → 2026
Total assets
€265k▲ 152%
2024 · €105k
2024: €105k
2024 → 2026
Net result
€143k▲ 156%
2024 · €56k
2024: €56k
2024 → 2026
Working capital
€183k▲ 312%
2024 · €44k
2024: €44k
2024 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242026Trend
Equity€57k-€200k▲ 248%
Operating result€75k-€189k▲ 151%
Net result€56k-€143k▲ 156%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €189k in 2026, compared with €75k in 2024. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2026 in colour, 2024 as the grey bar beneath
Assets €265k
Fixed assets
€20k▼ 27.4%
Current assets
€245k▲ 213%
Equity and liabilities €265k
Equity
€200k▲ 248%
Debt
€65k▲ 35.3%
The debt ratio falls from 45.4% to 24.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€200k▲
2024 · €88k
Cash flow
€154k▲
2024 · €69k
Solvency
75.6%▲
2024 · 54.6%
Current ratio
3.94▲
2024 · 2.31
Quick ratio
3.94▲
2024 · 2.31
Debt / equity
0.32▼
2024 · 0.83
ROE
71.7%▼
2024 · 97.6%
ROA
54.2%▲
2024 · 53.3%
Interest coverage
181.78▲
2024 · 43.57
Debt
€65k▲
2024 · €48k
Debt ≤ 1 year
€62k▲
2024 · €34k
Debt > 1 year
€2k▼
2024 · €14k
Income taxes
€45k▲
2024 · €17k
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 · 2026 against 2024
Balance sheet
Code20242026
Assets
Total assets20/58€105k€265k▲
Fixed assets21/28€27k€20k▼
Tangible fixed assets22/27€27k€20k▼
Furniture and vehicles24€27k€20k▼
Current assets29/58€78k€245k▲
Amounts receivable within one year40/41€70€0▼
Other amounts receivable41€70€0▼
Cash at bank and in hand54/58€76k€243k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€105k€265k▲
Equity10/15€57k€200k▲
Contributions10/11€3k€3k=
Reserves13€54k€196k▲
Distributable reserves133€54k€196k▲
Profit (loss) carried forward14€419€992▲
Amounts payable17/49€48k€65k▲
Amounts payable after more than one year17€14k€2k▼
Financial debts170/4€14k€2k▼
Amounts payable within one year42/48€34k€62k▲
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€349€300▼
Suppliers440/4€349€300▼
Taxes, remuneration and social security45€24k€51k▲
Taxes450/3€24k€51k▲
Other amounts payable47/48€1k€2k▲
Income statement
Code20242026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€10k▼
Other operating charges640/8€2k€734▼
Gross operating margin9900€90k€200k▲
Operating profit (loss)9901€75k€189k▲
Financial income75/76B€0€0=
Recurring financial income75€0€0=
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€73k€188k▲
Income taxes67/77€17k€45k▲
Profit (loss) for the period9904€56k€143k▲
Profit (loss) for the period to be appropriated9905€56k€143k▲
Appropriation of the result
Profit (loss) to be appropriated9906€56k€144k▲
Profit (loss) brought forward from the previous period14P-€419
Transfer to equity691/2€54k€142k▲
To other reserves6921€54k€142k▲
Profit to be distributed694/7€2k€833▼
Return on contributions (dividend)694€2k€833▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
10-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
31-03
Financial
Equity above €150kEq €200k ▲248%
2 profitable years in a row build equity to €200k.
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Namur · 1 establishment unit since 2023
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 de la Jachère(BN) 425021 NamurGround area
1,620 m²
Building footprint
176 m²
Volume, LiDAR
1,203 m³
Parcel 92017C0078/00S003, Wallonia · tallest building 11.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CHB CONSULT
since 20232.346.433.661
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92017C0078/00S003 | Wallonia | 1,620 m² | 1 · 175 m² | 11.7 m · 2 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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Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 40,072 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-05-2023
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.