CREDIT MANAGEMENT CONSULTANT
ActiveCREDIT MANAGEMENT CONSULTANT has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €60k and a net result of €-2k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 75% of 7694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▲+45
Solvency100▲+6
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 3.06 against 2.43 in 2024; short-term debt: 15.1% and cash: 20% of total assets), and 23.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
76.1%
Return on assets
-2.3%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-2k
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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
14 d late
2022
30 d late
2021
18 d late
2020
26 d late
2019
1 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€60k▼ 2.9%
2024 · €62k
2018: €67k
2019: €61k
2020: €70k
2021: €76k
2022: €69k
2023: €71k
2024: €62k
2018 → 2025
Total assets
€79k▼ 12.1%
2024 · €90k
2018: €79k
2019: €69k
2020: €76k
2021: €83k
2022: €77k
2023: €101k
2024: €90k
2018 → 2025
Net result
€-2k▲ 79.1%
2024 · €-9k
2018: €-4k
2019: €-6k
2020: €9k
2021: €6k
2022: €-7k
2023: €2k
2024: €-9k
2018 → 2025
Working capital
€25k▲ 24.9%
2024 · €20k
2018: €63k
2019: €58k
2020: €68k
2021: €75k
2022: €69k
2023: €51k
2024: €20k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€76k-€69k▼ 8.8%€71k▲ 2.5%€62k▼ 12.3%€60k▼ 2.9%
Operating result€5k-€-10k€173€-9k€485
Net result€6k-€-7k€2k€-9k€-2k▲ 79.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €485 after a loss of €9k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €79k
Fixed assets
€43k▼ 24.6%
Current assets
€36k▲ 9.2%
Equity and liabilities €79k
Equity
€60k▼ 2.9%
Debt
€19k▼ 32.4%
The debt ratio falls from 31.1% to 23.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€14k▲
2024 · €3k
Cash flow
€12k▲
2024 · €4k
Solvency
76.1%▲
2024 · 68.9%
Current ratio
3.06▲
2024 · 2.43
Quick ratio
3.06▲
2024 · 2.43
Debt / equity
0.31▼
2024 · 0.45
ROE
-3.0%▲
2024 · -14.0%
ROA
-2.3%▲
2024 · -9.6%
Interest coverage
10.67▲
2024 · 1.72
Debt
€19k▼
2024 · €28k
Debt ≤ 1 year
€12k▼
2024 · €14k
Debt > 1 year
€7k▼
2024 · €14k
Income taxes
€2k▲
2024 · €240
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€90k€79k▼
Fixed assets21/28€57k€43k▼
Tangible fixed assets22/27€56k€43k▼
Furniture and vehicles24€56k€43k▼
Financial fixed assets28€154€154=
Current assets29/58€33k€36k▲
Amounts receivable within one year40/41€20k€21k▲
Trade receivables40-€2k
Other amounts receivable41€20k€18k▼
Cash at bank and in hand54/58€13k€16k▲
Equity and liabilities
Total equity and liabilities10/49€90k€79k▼
Equity10/15€62k€60k▼
Contributions10/11€25k€25k=
Reserves13€3k€3k=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Profit (loss) carried forward14€34k€33k▼
Amounts payable17/49€28k€19k▼
Amounts payable after more than one year17€14k€7k▼
Financial debts170/4€14k€7k▼
Amounts payable within one year42/48€14k€12k▼
Current portion of amounts payable after more than one year42€7k€7k▲
Trade debts44€5k€1k▼
Suppliers440/4€5k€1k▼
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€14k▲
Other operating charges640/8€384€2k▲
Gross operating margin9900€3k€16k▲
Operating profit (loss)9901€-9k€485▲
Financial income75/76B€3k€1k▼
Recurring financial income75€2k€1k▼
Non-recurring financial income76B€826-
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-8k€194▲
Income taxes67/77€240€2k▲
Profit (loss) for the period9904€-9k€-2k▲
Profit (loss) for the period to be appropriated9905€-9k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€34k€33k▼
Profit (loss) brought forward from the previous period14P€43k€34k▼
The notes to these accounts (7 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
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Weakest financial yearnet €-9k ▼604%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
02-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 63 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, Watermaal-Bosvoorde · 1 establishment unit since 1987
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.
Charles Michielslaan 1741170 Watermaal-BosvoordeGround area
7,933 m²
Building footprint
578 m²
Volume, LiDAR
10,092 m³
Parcel 21017D0021/00N000, Brussels · tallest building 23.3 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
CREDIT MANAGEMENT CONSULTANT
since 19872.032.238.981
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21017D0021/00N000 | Brussels | 7,933 m² | 1 · 578 m² | 23.3 m · 6 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 11,216 companies in sector 82100 we hold annual accounts for 3,512. 2,563 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded19-11-1987
Fiscal year end31-12
Abbreviation FR
CMC
Activities, NACEBEL
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.