CS Financial Consulting

Active

Private limited companyfounded 20241 yr activeLauwveldweg 20, 9550 Herzele, BelgiumKBO/BCE: BE 1016.569.995

CS Financial Consulting has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €83k and a net result of €81k. Its solvency ranks better than 38% of 12637 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

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Checked score

Score 2025

86 / 100

Excellent

The score combines four axes. Every signal that weighs is under Signals.

Axes

Profitability100

Solvency88

Growth-

Stability67

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €7k at 30 days only on tighter terms

Liquidity ample (current ratio 3.38), but 56.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 69

Relative position

BE, all sectors

reference

Sector 69

lower

← fewer bankruptcies more bankruptcies →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

43.1%

Return on assets

41.8%

Age of the figures

8 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.

NBB · 1 filing

Deviation from the deadline

2025

2 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€83k

Total assets

€194k

Net result

€81k

Working capital

€121k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Assets €194k

12%

88.4%

Fixed assets €22k

Current assets €171k

Equity and liabilities €194k

43.1%

56.9%

Equity €83k

Debt €110k

Debt finances 56.9% of the balance-sheet total.

Key figures and ratios

2025 value

EBITDA

€107k

Cash flow

€85k

Solvency

43.1%

Current ratio

3.38

Quick ratio

3.38

Debt / equity

1.32

ROE

97.0%

ROA

41.8%

Interest coverage

617.40

Debt

€110k

Debt ≤ 1 year

€51k

Income taxes

€21k

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€194k

Fixed assets21/28€22k

Tangible fixed assets22/27€22k

Land and buildings22€16k

Plant, machinery and equipment23€3k

Furniture and vehicles24€3k

Current assets29/58€171k

Amounts receivable within one year40/41€95k

Trade receivables40€94k

Other amounts receivable41€2k

Current investments50/53€74k

Cash at bank and in hand54/58€2k

Equity and liabilities

Total equity and liabilities10/49€194k

Equity10/15€83k

Contributions10/11€3k

Reserves13€81k

Distributable reserves133€81k

Amounts payable17/49€110k

Amounts payable within one year42/48€51k

Trade debts44€2k

Suppliers440/4€2k

Taxes, remuneration and social security45€49k

Taxes450/3€46k

Remuneration and social security454/9€3k

Accrued charges and deferred income492/3€60k

Income statement Code2025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k

Other operating charges640/8€5k

Gross operating margin9900€112k

Operating profit (loss)9901€103k

Financial income75/76B€11

Recurring financial income75€11

Financial charges65/66B€173

Recurring financial charges65€173

Profit (loss) for the period before taxes9903€102k

Income taxes67/77€21k

Profit (loss) for the period9904€81k

Profit (loss) for the period to be appropriated9905€81k

Appropriation of the result

Profit (loss) to be appropriated9906€81k

Transfer to equity691/2€81k

To other reserves6921€81k

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2026

29-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

NBB filing

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, Herzele · 1 establishment unit since 2024

establishment approximate The establishment unit on the map

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.

Lauwveldweg 209550 Herzele

Ground area

46 m²

Parcel 41027B1082/00V002, Flanders. Linked by address, not a title deed.

1 establishment unit

CS Financial Consulting

Lauwveldweg 20, 9550 HerzeleActivities of company auditors

since 20242.366.723.883

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
41027B1082/00V002	Flanders	46 m²	-	-

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.

Recognitions · licences · registrations

Legal Entity Identifier

6488BRID8713TJ925R90

live in the LEI register

Similar companies · same sector, comparable size

Antoine Drugmand Réviseur d'Entreprises

Of 940 companies in sector 69203 we hold annual accounts for 658. 477 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded25-11-2024

Fiscal year end31-12

Activities, NACEBEL

69203Activities of company auditors

69201Accountants

69209Other tax advisory services

70200Business and other management consultancy

70220Business consulting

82990Other business support services

85699Other educational support services

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.