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ChVB Consulting

Active Risk: not assessed
Private limited companyfounded 20188 yrs activeRue de la Blanchisserie,Liernu 70, 5310 Eghezée, BelgiumKBO/BCE: BE 0687.656.061
Summary

ChVB Consulting 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 €48,808 and a net result of €37,533. Equity is growing by ~40.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 66 sector peers (fiscal year 2025). The company has been active since 2018 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.
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Signals

1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 24-11-2025, 68 days ahead of the deadline.
NBB · 7 filings
Deviation from the deadline
2025
68 d early
2024
65 d early
2022
132 d early
2021
111 d early
2020
138 d early
2019
107 d early
2018
96 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 102 days before the deadline; the sector median for financial year 2024 is 29 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
30-06-2026 close30-09-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

ChVB Consulting was incorporated on 8 January 2018.1 Total assets rose from EUR 8,781 in 2018 to EUR 48,808 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€48,808▲ 333%
2024 · €11,275
Net result
€37,533▲ 83.7%
2024 · €20,428
Total assets
€48,808▼ 1.7%
2024 · €49,662
Solvency
100.0%▲ 77.3pp
2024 · 22.7%
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 65, Insurance, reinsurance and pension funding, except compulsory social security, 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
Line20202021202220242025
Operating result€1,460▼ 62.6%€302▼ 79.3%€475▲ 57.7%€29,496-€47,585▲ 61.3%
Net result€1,311within the sector's middle half▼ 61.1%-€187within the sector's middle half€39below the sector's middle half€20,428within the sector's middle half-€37,533within the sector's middle half▲ 83.7%
Equity-€9,004below the sector's middle half▲ 12.7%-€9,191below the sector's middle half▼ 2.1%-€9,153below the sector's middle half▲ 0.4%€11,275below the sector's middle half-€48,808within the sector's middle half▲ 333%
Total assets€9,809below the sector's middle half▲ 17.1%€11,244below the sector's middle half▲ 14.6%€17,905below the sector's middle half▲ 59.2%€49,662below the sector's middle half-€48,808below the sector's middle half▼ 1.7%
Debt€18,813▲ 0.6%€20,435▲ 8.6%€27,058▲ 32.4%€38,387-
Working capital-€16,845below the sector's middle half▲ 3.2%-€19,241below the sector's middle half▼ 14.2%-€19,068below the sector's middle half▲ 0.9%-€36,935below the sector's middle half-
Solvency-91.8%below the sector's middle half▲ 31.3pp-81.7%below the sector's middle half▲ 10.0pp-51.1%below the sector's middle half▲ 30.6pp22.7%below the sector's middle half-100.0%above the sector's middle half▲ 77.3pp
Current ratio0.10below the sector's middle half▲ 0.040.06below the sector's middle half▼ 0.050.30below the sector's middle half▲ 0.240.04below the sector's middle half-
Return on assets (ROA)13.4%within the sector's middle half▼ 26.8pp-1.7%below the sector's middle half▼ 15.0pp0.2%within the sector's middle half▲ 1.9pp41.1%above the sector's middle half-76.9%above the sector's middle half▲ 35.8pp
above within below the middle half (P25 to P75) of NACE 65, Insurance, reinsurance and pension funding, except compulsory social security, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€20,000€0€20,000€40,000Operating result 2020: €1,460€1,460Net result 2020: €1,311€1,311Operating result 2021: €302€302Net result 2021: -€187-€187Operating result 2022: €475€475Net result 2022: €39€39Operating result 2024: €29,496€29,496Net result 2024: €20,428€20,428Operating result 2025: €47,585€47,585Net result 2025: €37,533€37,53320202021202220242025€0€20,000€40,000Operating result 2022: €475€475Net result 2022: €39€39Operating result 2024: €29,496€29,500Net result 2024: €20,428€20,400Operating result 2025: €47,585€47,600Net result 2025: €37,533€37,500202220242025
The operating result rises in 2025; 2025 is 61% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €48,808
Fixed assets €46,171 ▼ 4.2%
Current assets €2,637 ▲ 81.6%
Key figures and ratios
2025 value · change against 2024
ROE
76.9%▼
2024 · 181.2%
Income taxes
€5,882▼
2024 · €6,133
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 38 lines
Balance sheet Code20242025
Assets
Total assets20/58€49,662€48,808▼
Fixed assets21/28€48,210€46,171▼
Tangible fixed assets22/27€2,039-
Plant, machinery and equipment23€1,729-
Furniture and vehicles24€310-
Financial fixed assets28€46,171€46,171=
Current assets29/58€1,453€2,637▲
Amounts receivable within one year40/41€18€2,487▲
Other amounts receivable41€18€2,487▲
Cash at bank and in hand54/58€1,435€150▼
Equity and liabilities
Total equity and liabilities10/49€49,662€48,808▼
Equity10/15€11,275€48,808▲
Contributions10/11€12,400€12,400=
Outside capital11€12,400€12,400=
Other1109/19€12,400€12,400=
Profit (loss) carried forward14-€1,125€36,408▲
Amounts payable17/49€38,387-
Amounts payable within one year42/48€38,387-
Current portion of amounts payable after more than one year42€3,317-
Trade debts44€599-
Suppliers440/4€599-
Taxes, remuneration and social security45€743-
Taxes450/3€743-
Other amounts payable47/48€33,729-
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,677-
Other operating charges640/8€1,477€364▼
Gross operating margin9900€32,649€47,949▲
Operating profit (loss)9901€29,496€47,585▲
Financial income75/76B-€75
Recurring financial income75-€75
Financial charges65/66B€2,935€4,245▲
Recurring financial charges65€2,935€4,245▲
Profit (loss) for the period before taxes9903€26,561€43,415▲
Income taxes67/77€6,133€5,882▼
Profit (loss) for the period9904€20,428€37,533▲
Profit (loss) for the period to be appropriated9905€20,428€37,533▲
Appropriation of the result
Profit (loss) to be appropriated9906-€1,125€36,408▲
Profit (loss) brought forward from the previous period14P-€21,553-€1,125▲

The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20202021202220242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€954€1,388€1,465€1,677--
Other operating charges640/8-€787€794€1,477€364▼ 75.4%
Gross operating margin9900€2,913€2,477€2,734€32,649€47,949▲ 46.9%
Operating profit (loss)9901€1,460€302€475€29,496€47,585▲ 61.3%
Financial income75/76B-€11€7-€75-
Recurring financial income75-€11€7-€75-
Financial charges65/66B-€151€163€2,935€4,245▲ 44.7%
Recurring financial charges65€149€151€163€2,935€4,245▲ 44.7%
Profit (loss) for the period before taxes9903€1,311€162€319€26,561€43,415▲ 63.5%
Income taxes67/77-€350€281€6,133€5,882▼ 4.1%
Profit (loss) for the period9904€1,311-€187€39€20,428€37,533▲ 83.7%
Profit (loss) for the period to be appropriated9905€1,311-€187€39€20,428€37,533▲ 83.7%
Line20202021202220242025Change
Assets
Total assets20/58€9,809€11,244€17,905€49,662€48,808▼ 1.7%
Fixed assets21/28€7,841€10,050€9,916€48,210€46,171▼ 4.2%
Tangible fixed assets22/27€1,641€3,850€3,716€2,039--
Plant, machinery and equipment23-€2,442€3,007€1,729--
Furniture and vehicles24-€1,408€708€310--
Financial fixed assets28€6,200€6,200€6,200€46,171€46,171=
Current assets29/58€1,967€1,194€7,990€1,453€2,637▲ 81.6%
Amounts receivable within one year40/41--€18€18€2,487▲ 14,047%
Other amounts receivable41--€18€18€2,487▲ 14,047%
Cash at bank and in hand54/58€1,967€1,194€5,285€1,435€150▼ 89.5%
Deferred charges and accrued income490/1--€2,687---
Equity and liabilities
Total equity and liabilities10/49€9,809€11,244€17,905€49,662€48,808▼ 1.7%
Equity10/15-€9,004-€9,191-€9,153€11,275€48,808▲ 333%
Contributions10/11€12,400€12,400€12,400€12,400€12,400=
Outside capital11-€12,400€12,400€12,400€12,400=
Other1109/19-€12,400€12,400€12,400€12,400=
Profit (loss) carried forward14-€21,404-€21,591-€21,553-€1,125€36,408▲ 3,337%
Amounts payable17/49€18,813€20,435€27,058€38,387--
Amounts payable within one year42/48€18,813€20,435€27,058€38,387--
Current portion of amounts payable after more than one year42---€3,317--
Trade debts44€219-€99€599--
Suppliers440/4--€99€599--
Taxes, remuneration and social security45-€951€914€743--
Taxes450/3-€951€914€743--
Other amounts payable47/48-€19,485€26,045€33,729--
Line20202021202220242025Change
Profit (loss) for the period9904€1,311-€187€39€20,428€37,533▲ 83.7%
+ Depreciation and write-downs630€954€1,388€1,465€1,677--
Operating cash flow (approximation)€2,265€1,201€1,504€22,105€37,533▲ 69.8%
Investment in fixed assets (approximation)--€3,597-€1,331-€2,039-
Change in cash--€773€4,091--€1,285-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-01-2027
2025
24-11
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial Highest result since 2018net €37,533 ▲83.7%
Operating result €47,585, net result €37,533, both a record.
2024
27-11
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2023
21-03
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial Back to profitnet €39
Net result €39 after one loss-making year.
11-04
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
15-03
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
15-04
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial Back to profitnet €3,369
Net result €3,369 after one loss-making year.
26-04
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 2 acts read
About the unread acts

We know of 2 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
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, Eghezée · 1 establishment unit since 2018
seat establishment The establishment unit on the map
Ground area
1.2 ha
Building footprint
510 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
ChVB Consulting
Chaussée de Louvain 496, 1380 LasneInsurance agents and brokers
since 20182.272.034.463
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25076G0621/00A000 Wallonia 1.0 ha 1 · 398 m² -
92073A0173/00G000 Wallonia 1,285 m² 1 · 112 m² -
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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 holding

Owners 0

The accounts to 30-06-2025 list no shareholders, and no other source names one.

Holdings 1

According to the annual accounts to 30-06-2025 of ChVB Consulting and those 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

Of 118 companies in sector 65121 we hold annual accounts for 34. 18 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
Founded08-01-2018
Fiscal year end30-06
Activities, NACEBEL 2025
65121Insurance, reinsurance and pension funding, except compulsory social security
E-invoicing
Not found in the Peppol register

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Register as of 29 September 2026 · Peppol Directory

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