Summary
COV CONSULT 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 €2.56M and a net result of €-4k. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 63% of 8023 sector peers (fiscal year 2025). The company has been active since 2007 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 check for your own amount and term
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 31-12-2025 was due by 31-07-2026 and was filed on 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
16 d early
2023
8 d early
2022
24 d late
2021
23 d early
2020
26 d late
2019
26 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2.56M▼ 0.2%
2024 · €2.56M
2018: €1.81M
2019: €2.16M
2020: €2.10M
2021: €2.01M
2022: €1.98M
2023: €2.38M
2024: €2.56M
2018 → 2025
Net result
€-4k
2024 · €181k
2018: €331k
2019: €346k
2020: €154k
2021: €328k
2022: €-29k
2023: €402k
2024: €181k
2018 → 2025
Total assets
€3.86M▼ 2.6%
2024 · €3.96M
2018: €5.71M
2019: €5.99M
2020: €5.54M
2021: €5.29M
2022: €5.24M
2023: €3.87M
2024: €3.96M
2018 → 2025
Solvency
66.3%▲ 1.6pp
2024 · 64.7%
2018: 31.7%
2019: 36.0%
2020: 37.9%
2021: 38.0%
2022: 37.8%
2023: 61.6%
2024: 64.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.01M-€1.98M▼ 1.4%€2.38M▲ 20.3%€2.56M▲ 7.6%€2.56M▼ 0.2%
Operating result€292k-€76k▼ 73.9%€341k▲ 347%€127k▼ 62.6%€62k▼ 51.7%
Net result€328k-€-29k€402k€181k▼ 54.9%€-4k
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 52% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.86M
Fixed assets
€3.52M ▲ 1.1%
Current assets
€339k ▼ 29.2%
Equity and liabilities €3.86M
Equity
€2.56M ▼ 0.2%
Debt
€1.30M ▼ 7.0%
Debt's share of the balance-sheet total falls from 35.3% to 33.7%. Equity and debt are lower.
Key figures and ratios
ROE
-0.2%▼
2024 · 7.1%
ROA
-0.1%▼
2024 · 4.6%
Debt ≤ 1 year
€866k▲
2024 · €845k
Debt > 1 year
€435k▼
2024 · €555k
Income taxes
€12k▼
2024 · €43k
Staff costs
€39k▲
2024 · €37k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.96M€3.86M▼
Fixed assets21/28€3.48M€3.52M▲
Tangible fixed assets22/27€1.43M€1.47M▲
Land and buildings22€1.33M€1.36M▲
Furniture and vehicles24€95k€105k▲
Other tangible fixed assets26€9k€7k▼
Financial fixed assets28€2.05M€2.05M=
Current assets29/58€479k€339k▼
Amounts receivable within one year40/41€35k€55k▲
Trade receivables40€34k€34k=
Other amounts receivable41€584€20k▲
Current investments50/53€300k€0▼
Cash at bank and in hand54/58€132k€271k▲
Deferred charges and accrued income490/1€12k€13k▲
Equity and liabilities
Total equity and liabilities10/49€3.96M€3.86M▼
Equity10/15€2.56M€2.56M▼
Contributions10/11€19k€19k=
Reserves13€2.54M€2.54M=
Distributable reserves133€2.54M€2.54M=
Profit (loss) carried forward14-€-4k
Amounts payable17/49€1.40M€1.30M▼
Amounts payable after more than one year17€555k€435k▼
Financial debts170/4€555k€435k▼
Amounts payable within one year42/48€845k€866k▲
Current portion of amounts payable after more than one year42€120k€120k=
Trade debts44€19k€37k▲
Suppliers440/4€19k€37k▲
Taxes, remuneration and social security45€44k€23k▼
Taxes450/3€35k€18k▼
Remuneration and social security454/9€8k€5k▼
Other amounts payable47/48€661k€686k▲
Accrued charges and deferred income492/3€0€400▲
Income statement
Code20242025
Remuneration, social security and pensions62€37k€39k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€143k€128k▼
Other operating charges640/8€13k€13k▲
Gross operating margin9900€320k€243k▼
Operating profit (loss)9901€127k€62k▼
Financial income75/76B€155k€5k▼
Recurring financial income75€155k€5k▼
Financial charges65/66B€58k€59k▲
Recurring financial charges65€58k€53k▼
Non-recurring financial charges66B-€6k
Profit (loss) for the period before taxes9903€225k€8k▼
Income taxes67/77€43k€12k▼
Profit (loss) for the period9904€181k€-4k▼
Profit (loss) for the period to be appropriated9905€181k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€181k€-4k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€181k€0▼
To other reserves6921€181k€0▼
The notes to these accounts (13 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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €402k
Net result €402k after one loss-making year.
31-12
Financial
Equity above €2MEq €2.38M ▲20.3%
Equity rises from €1.98M to €2.38M.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Weakest financial yearnet €-29k ▼109%
Net result drops to €-29k, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 26 days late
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 26 days late
2019
31-12
Financial
Equity above €2MEq €2.16M ▲19.1%
2 profitable years in a row build equity to €2.16M.
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Verviers · 1 establishment unit since 2007
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.
Avenue de Ningloheid 1564802 VerviersGround area
1.1 ha
Building footprint
3,483 m²
Volume, LiDAR
31,165 m³
2 parcels, Wallonia · tallest building 12.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
COV CONSULT
since 20072.163.998.734
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63036A0538/00E002 | Wallonia | 7,977 m² | 1 · 333 m² | 8.0 m · 1 fl. |
| 63022A0015/00T017 | Wallonia | 3,512 m² | 1 · 3,149 m² | 12.8 m · 3 fl. |
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
699400O2GRBU3SXJUV17
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 10,185 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-06-2007
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:087/32.23.63