Summary
CHVB Conseils 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 €48,716 and a net result of €36,930. Equity is growing by ~55.4% per year across the filed fiscal years. Its solvency ranks better than 10% of 5585 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 5585 sector peers (2025).
NBB · sector comparisonPosition among 5585 sector peers
Solvency
better than 10%
← weakest
strongest →
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 15-07-2026, 16 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
16 d early
2024
22 d early
2023
50 d early
2022
132 d early
2021
53 d early
2020
47 d early
2019
101 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 60 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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. Usually files around 12 June (4 of the last 5 filed years within 33 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Equity
€48,716▲ 101%
2024 · €24,185
Net result
€36,930▲ 233%
2024 · €11,086
Total assets
€817,535▼ 10.9%
2024 · €917,503
Solvency
6.0%▲ 3.3pp
2024 · 2.6%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€12,716▼ 43.5%€20,116▲ 58.2%€4,287▼ 78.7%€62,264▲ 1,352%€39,575▼ 36.4%
Net result€7,041within the sector's middle half▼ 56.8%€12,312within the sector's middle half▲ 74.9%-€7,692below the sector's middle half€11,086within the sector's middle half€36,930within the sector's middle half▲ 233%
Equity€8,479below the sector's middle half▲ 490%€20,791below the sector's middle half▲ 145%€13,099below the sector's middle half▼ 37.0%€24,185below the sector's middle half▲ 84.6%€48,716below the sector's middle half▲ 101%
Total assets€268,058within the sector's middle half▼ 51.2%€250,783within the sector's middle half▼ 6.4%€997,810above the sector's middle half▲ 298%€917,503above the sector's middle half▼ 8.0%€817,535within the sector's middle half▼ 10.9%
Debt€259,578▼ 52.6%€229,991▼ 11.4%€984,711▲ 328%€893,317▼ 9.3%€768,820▼ 13.9%
Working capital-€90,073below the sector's middle half▲ 53.0%-€60,097below the sector's middle half▲ 33.3%-€250,321below the sector's middle half▼ 317%-€205,043below the sector's middle half▲ 18.1%-€212,980below the sector's middle half▼ 3.9%
Solvency3.2%below the sector's middle half▲ 2.9pp8.3%below the sector's middle half▲ 5.1pp1.3%below the sector's middle half▼ 7.0pp2.6%below the sector's middle half▲ 1.3pp6.0%below the sector's middle half▲ 3.3pp
Current ratio0.15below the sector's middle half▲ 0.060.36below the sector's middle half▲ 0.210.08below the sector's middle half▼ 0.290.14below the sector's middle half▲ 0.060.10below the sector's middle half▼ 0.04
Return on assets (ROA)2.6%within the sector's middle half▼ 0.3pp4.9%within the sector's middle half▲ 2.3pp-0.8%below the sector's middle half▼ 5.7pp1.2%within the sector's middle half▲ 2.0pp4.5%within the sector's middle half▲ 3.3pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 36% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €817,535
Fixed assets
€793,548 ▼ 10.3%
Current assets
€23,987 ▼ 26.0%
Equity and liabilities €817,535
Equity
€48,716 ▲ 101%
Debt
€768,820 ▼ 13.9%
Debt's share of the balance-sheet total falls from 97.4% to 94.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
75.8%▲
2024 · 45.8%
Debt ≤ 1 year
€236,967▼
2024 · €237,467
Debt > 1 year
€531,853▼
2024 · €655,850
Income taxes
-€4,998▼
2024 · €20,000
Staff costs
€32,174▼
2024 · €32,793
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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €8,446 | €32,793 | €32,174 | ▼ 1.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €17,228 | €15,728 | €39,560 | €92,647 | €93,210 | ▲ 0.6% |
| Other operating charges640/8 | €1,315 | €1,339 | €1,721 | €2,117 | €3,413 | ▲ 61.2% |
| Gross operating margin9900 | €31,260 | €37,183 | €54,014 | €189,820 | €168,372 | ▼ 11.3% |
| Operating profit (loss)9901 | €12,716 | €20,116 | €4,287 | €62,264 | €39,575 | ▼ 36.4% |
| Financial income75/76B | - | €193 | - | - | €7 | - |
| Recurring financial income75 | - | €193 | - | - | €7 | - |
| Financial charges65/66B | €5,675 | €2,891 | €9,979 | €31,177 | €7,650 | ▼ 75.5% |
| Recurring financial charges65 | €5,675 | €2,891 | €9,979 | €31,177 | €7,650 | ▼ 75.5% |
| Profit (loss) for the period before taxes9903 | €7,041 | €17,418 | -€5,692 | €31,086 | €31,932 | ▲ 2.7% |
| Income taxes67/77 | - | €5,106 | €2,000 | €20,000 | -€4,998 | ▼ 125% |
| Profit (loss) for the period9904 | €7,041 | €12,312 | -€7,692 | €11,086 | €36,930 | ▲ 233% |
| Profit (loss) for the period to be appropriated9905 | €7,041 | €12,312 | -€7,692 | €11,086 | €36,930 | ▲ 233% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €268,058 | €250,783 | €997,810 | €917,503 | €817,535 | ▼ 10.9% |
| Fixed assets21/28 | €252,127 | €216,670 | €977,111 | €885,079 | €793,548 | ▼ 10.3% |
| Intangible fixed assets21 | - | - | €773,260 | €693,260 | €613,260 | ▼ 11.5% |
| Tangible fixed assets22/27 | €251,074 | €215,617 | €202,797 | €190,765 | €179,235 | ▼ 6.0% |
| Land and buildings22 | €207,133 | €182,020 | €176,637 | €171,253 | €165,869 | ▼ 3.1% |
| Plant, machinery and equipment23 | €41,521 | €33,597 | €26,161 | €19,066 | €12,051 | ▼ 36.8% |
| Furniture and vehicles24 | €2,420 | - | - | €446 | €1,315 | ▲ 195% |
| Financial fixed assets28 | €1,053 | €1,053 | €1,053 | €1,053 | €1,053 | = |
| Current assets29/58 | €15,930 | €34,113 | €20,699 | €32,424 | €23,987 | ▼ 26.0% |
| Amounts receivable within one year40/41 | - | - | €10,000 | - | - | - |
| Other amounts receivable41 | - | - | €10,000 | - | - | - |
| Cash at bank and in hand54/58 | €15,930 | €34,113 | €10,699 | €2,997 | €23,987 | ▲ 700% |
| Deferred charges and accrued income490/1 | - | - | - | €29,427 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €268,058 | €250,783 | €997,810 | €917,503 | €817,535 | ▼ 10.9% |
| Equity10/15 | €8,479 | €20,791 | €13,099 | €24,185 | €48,716 | ▲ 101% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | - | - |
| Capital10 | €12,400 | €12,400 | €12,400 | €12,400 | - | - |
| Issued capital100 | €18,600 | €18,600 | €18,600 | €18,600 | - | - |
| Uncalled capital101 | €6,200 | €6,200 | €6,200 | €6,200 | - | - |
| Reserves13 | - | - | - | - | €11,086 | - |
| Distributable reserves133 | - | - | - | - | €11,086 | - |
| Profit (loss) carried forward14 | -€3,921 | €8,391 | €699 | €11,785 | €37,629 | ▲ 219% |
| Amounts payable17/49 | €259,578 | €229,991 | €984,711 | €893,317 | €768,820 | ▼ 13.9% |
| Amounts payable after more than one year17 | €153,575 | €135,782 | €713,691 | €655,850 | €531,853 | ▼ 18.9% |
| Financial debts170/4 | €153,575 | €135,782 | €713,691 | €655,850 | €531,853 | ▼ 18.9% |
| Amounts payable within one year42/48 | €106,003 | €94,210 | €271,020 | €237,467 | €236,967 | ▼ 0.2% |
| Current portion of amounts payable after more than one year42 | €19,064 | €17,778 | €82,081 | €77,114 | €84,539 | ▲ 9.6% |
| Financial debts43 | - | - | €10,000 | - | - | - |
| Credit institutions430/8 | - | - | €10,000 | - | - | - |
| Trade debts44 | €2,334 | €1,812 | €3,029 | €4,691 | €6,045 | ▲ 28.9% |
| Suppliers440/4 | €2,334 | €1,812 | €3,029 | €4,691 | €6,045 | ▲ 28.9% |
| Taxes, remuneration and social security45 | - | €5,106 | €5,106 | €4,548 | €5,252 | ▲ 15.5% |
| Taxes450/3 | - | €5,106 | €5,106 | - | - | - |
| Remuneration and social security454/9 | - | - | - | €4,548 | €5,252 | ▲ 15.5% |
| Other amounts payable47/48 | €84,605 | €69,514 | €170,805 | €151,114 | €141,130 | ▼ 6.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,041 | €12,312 | -€7,692 | €11,086 | €36,930 | ▲ 233% |
| + Depreciation and write-downs630 | €17,228 | €15,728 | €39,560 | €92,647 | €93,210 | ▲ 0.6% |
| Operating cash flow (approximation) | €24,269 | €28,040 | €31,867 | €103,733 | €130,140 | ▲ 25.5% |
| Investment in fixed assets (approximation) | - | €19,729 | -€800,000 | -€615 | -€1,679 | ▼ 173% |
| Change in cash | - | €18,182 | -€23,413 | -€7,702 | €20,990 | ▲ 373% |
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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €36,930 ▲233%
Net result €36,930, the highest in the series.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €11,086
Net result €11,086 after one loss-making year.
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
21-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €15,214
Net result €15,214 after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
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.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Lasne · 1 establishment unit since 2018
Ground area
1.0 ha
Building footprint
398 m²
Parcel 25076G0621/00A000, Wallonia. Linked by address, not a title deed.
24
companies at this address
See who is registered here
1 establishment unit
CHVB Conseils
since 20182.273.769.971
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25076G0621/00A000 | Wallonia | 1.0 ha | 1 · 398 m² | - |
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.
Structure & network
Owners and holdings
1 ownerChain of control
- ChVB Consulting
- CHVB Conseils
Highest known parent: ChVB Consulting. The sources do not say who stands above it.
Owners 1
- ChVB Consultingparent100%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Similar companies · same sector, comparable size
NICK WANZEELE
BE 0768.632.651
Frasnes-lez-Anvaing · Eq €48,730
BP Consult
BE 0507.976.429
La Hulpe · Eq €47,733
JOËL MAES FINANCE
BE 0792.998.061
Maasmechelen · Eq €50,263
FMSA Consulting
BE 1022.835.603
Jette · Eq €50,399
LE-CHIFFRE
BE 0864.243.670
Montigny-le-Tilleul · Eq €50,442
Of 806 companies in sector 64999 we hold annual accounts for 487. 281 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
Founded10-10-2017
Fiscal year end31-12
Trade name FR
Churchill Finances
Activities, NACEBEL 2025
64999Other financial services
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0682750633
Registered
05-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.