CNAC Consulting
ActiveCNAC Consulting has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €63k and a net result of €68k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 43% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +1 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency89▼-7
Growth78▲+46
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.87 against 2.12 in 2024), but 52.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 2025Solvency, return and age of the figures
Solvency
47.2%
Return on assets
50.9%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €63k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
21 d late
2023
31 d late
2022
48 d late
2021
29 d late
2020
23 d late
2019
117 d late
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€99k
EBIT margin
62.1%
Net result
€68k▲ 57.7%
2024 · €43k
2019: €48k
2020: €64k
2021: €64k
2022: €59k
2023: €58k
2024: €43k
2019 → 2025
Working capital
€61k▲ 11.3%
2024 · €55k
2019: €47k
2020: €116k
2021: €183k
2022: €243k
2023: €52k
2024: €55k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€185k-€244k▲ 31.6%€52k▼ 78.6%€55k▲ 5.7%€63k▲ 14.1%
Operating result€82k-€69k▼ 15.5%€78k▲ 13.0%€77k▼ 0.7%€88k▲ 13.6%
Net result€64k-€59k▼ 9.1%€58k=€43k▼ 26.5%€68k▲ 57.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 14% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €133k
Fixed assets
€2k
Current assets
€132k
Equity and liabilities €133k
Equity
€63k▲ 14.1%
Debt
€70k▲ 43.2%
The debt ratio rises from 47.1% to 52.8%: debt grows faster than equity.
Key figures and ratios
EBITDA
€88k▲
2024 · €77k
Cash flow
€68k▲
2024 · €43k
Solvency
47.2%▼
2024 · 52.9%
Current ratio
1.87▼
2024 · 2.12
Quick ratio
1.87▼
2024 · 2.12
Debt / equity
1.12▲
2024 · 0.89
ROE
107.8%▲
2024 · 78.0%
ROA
50.9%▲
2024 · 41.2%
Interest coverage
639.98▲
2024 · 266.52
Debt
€70k▲
2024 · €49k
Debt ≤ 1 year
€70k▲
2024 · €49k
Income taxes
€20k▼
2024 · €34k
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€104k€133k▲
Fixed assets21/28€0€2k▲
Tangible fixed assets22/27€0€2k▲
Furniture and vehicles24€0€2k▲
Current assets29/58€104k€132k▲
Amounts receivable within one year40/41€19k€18k▼
Trade receivables40€15k€16k▲
Other amounts receivable41€4k€2k▼
Cash at bank and in hand54/58€85k€113k▲
Deferred charges and accrued income490/1€200€200=
Equity and liabilities
Total equity and liabilities10/49€104k€133k▲
Equity10/15€55k€63k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€50k€58k▲
Amounts payable17/49€49k€70k▲
Amounts payable within one year42/48€49k€70k▲
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€8k€7k▼
Taxes450/3€8k€7k▼
Other amounts payable47/48€40k€60k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15€108▲
Other operating charges640/8€545€563▲
Gross operating margin9900€78k€89k▲
Operating profit (loss)9901€77k€88k▲
Financial income75/76B€42€0▼
Recurring financial income75€42€0▼
Financial charges65/66B€290€138▼
Recurring financial charges65€290€138▼
Profit (loss) for the period before taxes9903€77k€88k▲
Income taxes67/77€34k€20k▼
Profit (loss) for the period9904€43k€68k▲
Profit (loss) for the period to be appropriated9905€43k€68k▲
Appropriation of the result
Profit (loss) to be appropriated9906€90k€118k▲
Profit (loss) brought forward from the previous period14P€47k€50k▲
Profit to be distributed694/7€40k€60k▲
Return on contributions (dividend)694€40k€60k▲
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2019net €68k ▲57.7%
Operating result €88k, net result €68k, both a record.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-12
Financial
Weakest financial yearnet €43k ▼26.5%
Net result drops to €43k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
17-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 48 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 21.99
Current ratio from 7.05 to 21.99; short-term debt falls from €30k to €12k.
31-12
Financial
Equity above €200kEq €244k ▲31.6%
4 profitable years in a row build equity to €244k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 7.05
Current ratio from 3.01 to 7.05; short-term debt falls from €58k to €30k.
31-12
Financial
Equity above €150kEq €185k ▲53.3%
3 profitable years in a row build equity to €185k.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
31-12
Financial
Equity above €100kEq €121k ▲114%
2 profitable years in a row build equity to €121k.
25-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 117 days late
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, Sint-Genesius-Rode · 1 establishment unit since 2019
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.
Rollebaan 60B1640 Sint-Genesius-RodeGround area
567 m²
Building footprint
58 m²
Volume, LiDAR
429 m³
2 parcels, Flanders · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CNAC Consulting
since 20192.291.238.681
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22004C0559/00L002 | Flanders | 500 m² | 1 · 58 m² | 9.9 m · 3 fl. |
| 22004C0570/00Y009 | Flanders | 67 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
254900R9TOFK56NIBK66
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 39,068 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-06-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
62020IT consultancy
62200Computer consultancy and computer facilities management
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.