CNPL CONSULTING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €49k and a net result of €8k. Equity is growing by ~55.7% per year across the filed fiscal years. Its solvency ranks better than 41% of 3322 sector peers (fiscal year 2024). The company has been active since 2009 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
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-09-2025, 50 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
50 d late
2023
37 d early
2022
28 d early
2021
46 d early
2020
31 d early
2019
21 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€49k▲ 20.8%
2023 · €41k
2018: €-14k
2019: €-20k
2020: €-15k
2021: €-9k
2022: €31k
2023: €41k
2018 → 2024
Net result
€8k▼ 15.7%
2023 · €10k
2018: €-22k
2019: €-6k
2020: €4k
2021: €7k
2022: €39k
2023: €10k
2018 → 2024
Total assets
€121k▲ 22.9%
2023 · €98k
2018: €46k
2019: €42k
2020: €52k
2021: €57k
2022: €88k
2023: €98k
2018 → 2024
Solvency
40.6%▼ 0.7pp
2023 · 41.3%
2018: -30.8%
2019: -46.8%
2020: -29.7%
2021: -15.5%
2022: 34.8%
2023: 41.3%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-15k-€-9k▲ 42.5%€31k€41k▲ 32.8%€49k▲ 20.8%
Operating result€4k-€9k▲ 113%€44k▲ 371%€24k▼ 45.8%€18k▼ 24.6%
Net result€4k-€7k▲ 57.5%€39k▲ 500%€10k▼ 74.6%€8k▼ 15.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 25% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €121k
Fixed assets
€49k▲ 298%
Current assets
€72k▼ 16.7%
Equity and liabilities €121k
Equity
€49k▲ 20.8%
Debt
€72k▲ 24.4%
The debt ratio rises from 58.7% to 59.4%. Equity and debt are higher.
Key figures and ratios
Solvency
40.6%▼
2023 · 41.3%
ROE
17.2%▼
2023 · 24.7%
ROA
7.0%▼
2023 · 10.2%
Debt
€72k▲
2023 · €58k
Debt ≤ 1 year
€50k▼
2023 · €58k
Debt > 1 year
€22k
Income taxes
€8k▼
2023 · €13k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€98k€121k▲
Fixed assets21/28€12k€49k▲
Tangible fixed assets22/27€10k€47k▲
Plant, machinery and equipment23€487€2k▲
Furniture and vehicles24€10k€45k▲
Financial fixed assets28€2k€2k=
Current assets29/58€86k€72k▼
Amounts receivable within one year40/41€9k€9k▲
Trade receivables40€9k€9k▲
Cash at bank and in hand54/58€76k€61k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€98k€121k▲
Equity10/15€41k€49k▲
Contributions10/11€6k€6k=
Reserves13€34k€43k▲
Distributable reserves133€34k€43k▲
Amounts payable17/49€58k€72k▲
Amounts payable after more than one year17-€22k
Financial debts170/4-€22k
Amounts payable within one year42/48€58k€50k▼
Current portion of amounts payable after more than one year42-€6k
Trade debts44€796€1k▲
Suppliers440/4€796€1k▲
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€2k€2k▲
Other amounts payable47/48€55k€42k▼
Accrued charges and deferred income492/3€23€9▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€487€665▲
Other operating charges640/8€4k€3k▼
Operating charges capitalised as restructuring costs649€0€0=
Gross operating margin9900€28k€21k▼
Operating profit (loss)9901€24k€18k▼
Financial income75/76B€287€368▲
Recurring financial income75€287€368▲
Financial charges65/66B€703€1k▲
Recurring financial charges65€703€1k▲
Profit (loss) for the period before taxes9903€23k€17k▼
Income taxes67/77€13k€8k▼
Profit (loss) for the period9904€10k€8k▼
Profit (loss) for the period to be appropriated9905€10k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€8k▼
Transfer to equity691/2€10k€8k▼
To other reserves6921€10k€8k▼
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
2025
19-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 50 days late
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €39k ▲500%
Operating result €44k, net result €39k, both a record.
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
03-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Braine-l'Alleud · 1 establishment unit since 2009
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 La Rue 491420 Braine-l'AlleudGround area
1,680 m²
Building footprint
156 m²
Volume, LiDAR
550 m³
2 parcels, Flanders, Wallonia · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CNPL CONSULTING
since 20092.175.679.019
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23003A0290/00S000 | Flanders | 1,339 m² | 1 · 103 m² | 7.3 m · 2 fl. |
| 25014N0145/00_000 | Wallonia | 342 m² | 1 · 52 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.
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,283 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-01-2009
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.