CML 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 €100k and a net result of €124k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 31% of 2377 sector peers (fiscal year 2025). The company has been active since 2022 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 advice for your own amount and term
Signals
Three signals. 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 29-01-2026, 2 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
2 d early
2024
4 d early
2023
2 d early
2022
11 d early
← before the deadline
after the deadline →
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 monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€100k▼ 50.2%
2024 · €200k
2022: €12k
2023: €100k
2024: €200k
2022 → 2025
Net result
€124k▲ 23.7%
2024 · €101k
2022: €9k
2023: €88k
2024: €101k
2022 → 2025
Total assets
€256k▼ 6.7%
2024 · €274k
2022: €115k
2023: €206k
2024: €274k
2022 → 2025
Solvency
39.0%▼ 34.1pp
2024 · 73.1%
2022: 10.5%
2023: 48.4%
2024: 73.1%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€12k-€100k▲ 724%€200k▲ 101%€100k▼ 50.2%
Operating result€15k-€65k▲ 333%€102k▲ 58.3%€132k▲ 29.3%
Net result€9k-€88k▲ 862%€101k▲ 14.6%€124k▲ 23.7%
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 29% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €256k
Fixed assets
€120k▼ 4.7%
Current assets
€136k▼ 8.3%
Equity and liabilities €256k
Equity
€100k▼ 50.2%
Debt
€156k▲ 111%
The debt ratio rises from 26.9% to 61.0%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
39.0%▼
2024 · 73.1%
ROE
124.6%▲
2024 · 50.2%
ROA
48.6%▲
2024 · 36.7%
Debt
€156k▲
2024 · €74k
Debt ≤ 1 year
€156k▲
2024 · €58k
Debt > 1 year
€0▼
2024 · €16k
Income taxes
€34k▲
2024 · €24k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€274k€256k▼
Fixed assets21/28€126k€120k▼
Tangible fixed assets22/27€28k€23k▼
Furniture and vehicles24€28k€23k▼
Financial fixed assets28€98k€97k▼
Current assets29/58€148k€136k▼
Amounts receivable after more than one year29€0-
Trade receivables290€0-
Amounts receivable within one year40/41€38k€84k▲
Trade receivables40-€348
Other amounts receivable41€38k€83k▲
Cash at bank and in hand54/58€109k€34k▼
Deferred charges and accrued income490/1€518€18k▲
Equity and liabilities
Total equity and liabilities10/49€274k€256k▼
Equity10/15€200k€100k▼
Contributions10/11€3k€3k=
Reserves13€197k€97k▼
Distributable reserves133€197k€97k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€74k€156k▲
Amounts payable after more than one year17€16k€0▼
Financial debts170/4€16k€0▼
Amounts payable within one year42/48€58k€156k▲
Current portion of amounts payable after more than one year42€24k€16k▼
Trade debts44€4k€10k▲
Suppliers440/4€4k€10k▲
Taxes, remuneration and social security45€29k€24k▼
Taxes450/3€29k€24k▼
Other amounts payable47/48€0€106k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€6k▲
Other operating charges640/8€299€237▼
Gross operating margin9900€104k€139k▲
Operating profit (loss)9901€102k€132k▲
Financial income75/76B€25k€28k▲
Recurring financial income75€25k€28k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€125k€158k▲
Income taxes67/77€24k€34k▲
Profit (loss) for the period9904€101k€124k▲
Profit (loss) for the period to be appropriated9905€101k€124k▲
Appropriation of the result
Profit (loss) to be appropriated9906€101k€124k▲
Transfer from equity791/2-€101k
Transfer to equity691/2€101k€0▼
To other reserves6921€101k€0▼
Profit to be distributed694/7-€225k
Return on contributions (dividend)694-€225k
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-06
Financial
Highest result since 2022net €124k ▲23.7%
Operating result €132k, net result €124k, both a record.
27-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-06
Financial
Equity above €200kEq €200k ▲101%
3 profitable years in a row build equity to €200k.
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-06
Financial
Liquidity triplescurrent ratio 1.64
Current ratio from 0.49 to 1.64.
20-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Silly · 1 establishment unit since 2022
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 du Loup(Silly) 17830 SillyGround area
676 m²
Building footprint
104 m²
Volume, LiDAR
483 m³
Parcel 55039E0289/00L000, Wallonia · tallest building 6.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CML CONSEILS
since 20222.328.004.255
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55039E0289/00L000 | Wallonia | 676 m² | 1 · 104 m² | 6.1 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 24,726 companies in sector 64210 we hold annual accounts for 19,747. 12,307 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-01-2022
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:linda.paternoster@bnpparibasfortis.com