CSM CONSULTING
ActiveCSM CONSULTING has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €111k and a net result of €20k. Equity is growing by ~39.9% per year across the filed fiscal years. Its solvency ranks better than 50% of 6974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+26
Solvency79▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.49 against 2.48 in 2024; short-term debt: 32.2% and cash: 5.2% of total assets), and 45.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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 · 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
54.3%
Return on assets
10%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-01-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
3 d early
2023
1 d early
2022
1 d early
2021
on the day
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€111k▲ 22.5%
2024 · €91k
2019: €-31k
2020: €12k
2021: €41k
2022: €57k
2023: €87k
2024: €91k
2019 → 2025
Total assets
€205k▲ 15.4%
2024 · €178k
2019: €60k
2020: €70k
2021: €82k
2022: €113k
2023: €173k
2024: €178k
2019 → 2025
Net result
€20k▲ 425%
2024 · €4k
2019: €-59k
2020: €42k
2021: €29k
2022: €16k
2023: €30k
2024: €4k
2019 → 2025
Working capital
€99k▲ 25.4%
2024 · €79k
2019: €5k
2020: €28k
2021: €28k
2022: €57k
2023: €77k
2024: €79k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€41k-€57k▲ 39.4%€87k▲ 53.1%€91k▲ 4.5%€111k▲ 22.5%
Operating result€46k-€23k▼ 49.7%€48k▲ 106%€11k▼ 77.1%€40k▲ 268%
Net result€29k-€16k▼ 45.0%€30k▲ 87.8%€4k▼ 87.1%€20k▲ 425%
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 268% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €205k
Fixed assets
€41k▼ 12.1%
Current assets
€165k▲ 25.1%
Equity and liabilities €205k
Equity
€111k▲ 22.5%
Debt
€94k▲ 8.0%
The debt ratio falls from 48.9% to 45.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€46k▲
2024 · €16k
Cash flow
€26k▲
2024 · €9k
Solvency
54.3%▲
2024 · 51.1%
Current ratio
2.49▲
2024 · 2.48
Quick ratio
2.49▲
2024 · 2.48
Debt / equity
0.84▼
2024 · 0.96
ROE
18.4%▲
2024 · 4.3%
ROA
10.0%▲
2024 · 2.2%
Interest coverage
7.12▲
2024 · 3.99
Debt
€94k▲
2024 · €87k
Debt ≤ 1 year
€66k▲
2024 · €53k
Debt > 1 year
€27k▼
2024 · €34k
Income taxes
€14k▲
2024 · €3k
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€178k€205k▲
Fixed assets21/28€46k€41k▼
Tangible fixed assets22/27€46k€41k▼
Plant, machinery and equipment23€46k€41k▼
Current assets29/58€132k€165k▲
Amounts receivable after more than one year29€7k€7k=
Trade receivables290€7k€7k=
Amounts receivable within one year40/41€112k€126k▲
Trade receivables40€21k-
Other amounts receivable41€91k€126k▲
Cash at bank and in hand54/58€5k€11k▲
Deferred charges and accrued income490/1€8k€21k▲
Equity and liabilities
Total equity and liabilities10/49€178k€205k▲
Equity10/15€91k€111k▲
Contributions10/11€19k€19k=
Reserves13€72k€93k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€71k€91k▲
Amounts payable17/49€87k€94k▲
Amounts payable after more than one year17€34k€27k▼
Financial debts170/4€34k€27k▼
Amounts payable within one year42/48€53k€66k▲
Current portion of amounts payable after more than one year42€7k€7k▲
Financial debts43€5k€3k▼
Credit institutions430/8€5k€3k▼
Trade debts44€18k€21k▲
Suppliers440/4€18k€21k▲
Taxes, remuneration and social security45€23k€34k▲
Taxes450/3€23k€30k▲
Remuneration and social security454/9-€4k
Other amounts payable47/48-€2k
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k=
Other operating charges640/8€5k€4k▼
Gross operating margin9900€21k€49k▲
Operating profit (loss)9901€11k€40k▲
Financial income75/76B€471€289▼
Recurring financial income75€471€289▼
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€7k€34k▲
Income taxes67/77€3k€14k▲
Profit (loss) for the period9904€4k€20k▲
Profit (loss) for the period to be appropriated9905€4k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€20k▲
Transfer to equity691/2€4k€20k▲
To other reserves6921€4k€20k▲
The notes to these accounts (5 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
28-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Equity above €100kEq €111k ▲22.5%
6 profitable years in a row build equity to €111k.
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Back to profitnet €42k
Net result €42k after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
2016
29-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated 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, Genk · 1 establishment unit since 2004
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.
Matenstraat 183600 GenkGround area
3,591 m²
Building footprint
160 m²
Volume, LiDAR
315 m³
Parcel 71306G0157/00S015, Flanders · tallest building 7.7 m. Linked by address, not a title deed.
1 establishment unit
CSM Consulting
since 20042.137.668.083
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71306G0157/00S015 | Flanders | 3,591 m² | 1 · 160 m² | 7.7 m |
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 13,425 companies in sector 73300 we hold annual accounts for 6,900. 5,571 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded27-02-2004
Fiscal year end30-06
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
64999Other financial services
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.