Equity
€48,820 ▲ 15×
CV Advisory paid out €859 in dividends. That is 2% of the 2025 profit.
CV Advisory
Overview
Lifetime
2 annual accounts with figures on one time axispeak €55,733 (2025)
€55,733▲ €63,245
lowest -€6,773 (2024)
€46,452▲ €53,225
peak €48,820 (2025)
€48,820▲ 15×
€73,261▲ 17.5%
Board1 name since 2024
1 directorVILLATTE Charlotte Julie Marie
Documentsfilings and deeds
01-04-2026121 days before the deadline
2025abbreviated format
Gross margin from -€7,512 to €55,733Back to profit: €46,452Dividend €859Equity from €3,227 to €48,820Debts from €62,364 to €73,261Cash from €197 to €45,710
Key points
from the 2025 annual accountsResult
€46,452 €46,452
Back in profit in 2025, after a loss of €6,773 in 2024.
Position in the sector
€48,820
Less equity than 81% of companies in legal and accounting. Sector median €270,264 · 4,135 companies.
Checked score
97
Excellent
Financially stronger than 76% of micro companies in legal and accounting (NACE 69)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 20,107 companies (NACE 69, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
09-2025: 0.3%
10-2025: 0.3%● unchanged vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.4%▲ +0.1 percentage points vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026highest value
05-2026: < 0.1%▼ -0.4 percentage points vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026lowest value
07-2026: < 0.1%● unchanged vs 06-2026lowest value
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
lowers risk
Sector: Legal and accounting activities (NACE 69)
Liquidity: current ratio 6.35, cash €45,710
Figures for financial year 2025 (filed on 01-04-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 69, micro). It does better than 38% of them on solvency, 87% on liquidity, 82% on profitability and 99% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as CV Advisory has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of CV Advisory itself is lower: < 0.1% within 12 months. It rests on far more data about CV Advisory than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for CV Advisory. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €4,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 6.35 (8.0 in 2024), above the usual 1.5. Short-term debt is 15% and cash 37.4% of total assets. However, 60% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 01-04-2026, 121 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
121 days early
2024
50 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 86 days before the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- VILLATTE Charlotte Julie Marie 100 sharesdeed of 30-08-2024
Shares in 1 company, DefenseWise
Board & ownershipRecent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1012902011
Incorporation
Founding capital of €10,000, 100 shares · Founder: VILLATTE Charlotte Julie Marie (comparant constituant) · Appointment: VILLATTE Charlotte Julie Marie (director) · published on 30-08-2024 · Gazette deed
First establishment
Rue Jef Ulburghs 45, Grâce-Hollogne
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CV Advisory Grâce-Hollogne | €122,081 | €55,733 | 40.0% | - |
| PSQ by SD Herent | €112,127 | €53,421 | 83.1% | - |
| Lorex Woluwe-Saint-Lambert | €101,015 | €61,918 | 62.5% | - |
| GIORGETTI & PARTNERS Brussels | €136,018 | €61,772 | 68.1% | - |
| JAJE Eupen | €108,800 | €76,864 | 41.1% | - |
| ELEGADO Hove | €128,319 | €63,794 | 75.9% | - |
| CS Legal Ghent | €143,510 | €57,962 | 88.5% | - |
These companies have the same main activity as CV Advisory: other legal services (NACE 69109). They are comparable in size and age: total assets between €101,000 and €144,000, founded in 2024.
Official details
Source: KBO- Status
- Active since 28-08-2024Normal situation
- Activity
- Other legal servicesNACE 69109and 2 others
- Establishment unit
- 2.362.999.2814460 Grâce-Hollogne, since 28-08-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 02-07-2025
Annual accounts 2025
- €55,733
- ≈ €120,000estimated
- €46,452
- €48,820▲ 15×
- €122,081▲ 86.1%
- Filing
- Filed on 01-04-2026, 121 days before the end of the filing period
Insights on CV Advisory
CV Advisory has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €48,820 and a net result of €46,452.
Its solvency ranks better than 46% of 4,134 sector peers (NACE 69, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
abbreviated format, filed on 01-04-2026, 121 days before the deadline€55,733
▲ €63,245
€54,925
▲ €62,614
€46,452
▲ €53,225
€97,747
▲ 89.7%
40.0%
▲ 35.1 percentage points
6.35
▼ 1.64
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €120,000. Estimated: probably between €92,000 and €160,000.
Balance sheet
balance sheet total €122,081 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
40.0%
Higher than 46% of 4,134 companies in 2025.
6.35
Higher than 86% of 4,070 companies in 2025.
38.1%
Higher than 88% of 4,105 companies in 2025.
CV Advisory
Middle half of the sector
80% of the sector
Abbreviated accounts in legal and accounting (NACE 69)
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
122,081 | 65,591 | |
21/28 |
6,073 | 6,698 | |
22/27 |
1,073 | 1,698 | |
24 |
1,073 | 1,698 | |
28 |
5,000 | 5,000 | |
29/58 |
116,008 | 58,893 | |
29 |
59,313 | 55,956 | |
291 |
59,313 | 55,956 | |
40/41 |
7,865 | 541 | |
40 |
7,865 | - | |
41 |
- | 541 | |
54/58 |
45,710 | 197 | |
490/1 |
3,120 | 2,199 | |
| Balance sheet: equity and liabilities | |||
10/49 |
122,081 | 65,591 | |
10/15 |
48,820 | 3,227 | |
10/11 |
10,000 | 10,000 | |
14 |
38,820 | -6,773 | |
17/49 |
73,261 | 62,364 | |
17 |
55,000 | 55,000 | |
170/4 |
55,000 | 55,000 | |
42/48 |
18,261 | 7,364 | |
44 |
2,493 | 297 | |
440/4 |
2,493 | 297 | |
45 |
6,546 | 39 | |
450/3 |
6,546 | 39 | |
47/48 |
9,222 | 7,028 | |
| Income statement | |||
9900 |
55,733 | -7,512 | |
630 |
625 | 178 | |
640/8 |
183 | - | |
9901 |
54,925 | -7,689 | |
75/76B |
3,357 | 966 | |
75 |
3,357 | 966 | |
65/66B |
473 | 11 | |
65 |
473 | 11 | |
9903 |
57,809 | -6,734 | |
67/77 |
11,358 | 39 | |
9904 |
46,452 | -6,773 | |
9905 |
46,452 | -6,773 | |
| Appropriation of the result | |||
9906 |
39,679 | -6,773 | |
14P |
-6,773 | - | |
694/7 |
859 | - | |
694 |
859 | - | |
| Document | |||
The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 01-04-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 55,550 | -7,512 | ||
| 47,077 | -6,596 | ||
| 0 | 6,876 | ||
| 45,513 | - | ||
| 97,747 | 51,529 | ||
| 40.0% | 4.9% | ||
| 6.35 | 8.00 | ||
| 1.50 | 19.33 | ||
| 95.2% | -209.9% | ||
| 38.1% | -10.3% | ||
| over 100 | -678.55 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | - | €1,876 |
| Financial fixed assets | - | €5,000 |
| €625 | €178 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on CV Advisory
The operating result for 2025 is a profit of €54,925, after a loss of €7,689 in 2024.
Debt's share of the balance-sheet total falls from 95.1% to 60.0%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 28-08-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 01-04-2026
Mandates through the years
1 name, the dashed line is todayVILLATTE Charlotte Julie Marie
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- VILLATTE Charlotte Julie Marie
- Director (not named in the articles), from 28-08-2024 to date
Control
Capital
- Contribution
- €10,000
- Shares
- 100
- Contribution per share
- €100
- Equity per share
- €488 in 2025
- Source
- deed of 30-08-2024
Articles of association
deed of 30-08-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 30-08-2024 ↗
- VILLATTE Charlotte Julie Marie 100 shares (100%) · in cash
Network & group
Holdings
own 2024 accountsThis companyCV Advisory1 holding, 1 country
2024 accounts
Belgium 1 Equity Result
- BE DefenseWise50% -€15,118 result -€21,127
Source: list of holdings in its own 2024 accounts. Every holding stands with its own latest accounts.
Holdings and subsidiaries
1 holdingHoldings 1
Share, source and own figures per holding (1)
- Equity -€15,118 Loss of €21,127 in 2025 (loss of €3,991 in 2024) Checked score 53Sourceown accounts 202450%
Connections & network
1 current directorThe network lets you explore the ties of CV Advisory.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Timeline
6 events since 2024Filings
Financial
Establishments
202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBabbreviated format · 121 days before the deadline
2025
Back to profit net €46,452 The net result is €46,452, after one loss-making year.
Registered in the Peppol Directory Reachable for e-invoices through 0208:1012902011
Annual accounts 2024 filed NBBmicro format · 50 days before the deadline
2024
IncorporationFounding capital of €10,000, 100 shares · Founder: VILLATTE Charlotte Julie Marie (comparant constituant) · Appointment: VILLATTE Charlotte Julie Marie (director) · published on 30-08-20246 points ▸
- Founder, VILLATTE Charlotte Julie Marie (comparant constituant)
- Founding capital, €10,000, 100 shares
- Registered office clause, Rue Jef Ulburghs 45, 4460 Grâce-Hollogne
- Board rule, 1
- Director appointment, VILLATTE Charlotte Julie Marie (director (not named in the articles))
- Permanent representative, VILLATTE Charlotte Julie Marie
- The deed holds 3 more points.
First establishment Rue Jef Ulburghs 45, Grâce-Hollogne
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
CV Advisory was incorporated on 28 August 2024 by one natural person, with a starting capital of €10,000.12 Since 2024, VILLATTE Charlotte Julie Marie has served as director.3 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Identity
- Enterprise number
- 1012.902.011
- VAT number
- BE 1012.902.011
- Peppol ID
- 0208:1012902011
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 28-08-2024
- Financial year
- ends on 31 December
- Peppol
- Reachable since 02-07-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- CV Advisory in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 30-08-2024 (in French)
- Name clauseThe company operates under this name according to its articles.
- CV Advisorydeed of 30-08-2024 (in French)
Activities
NACEBEL 202569109
Other legal services main activity
Codes under NACEBEL 2008
69109
Other legal services main activity
70210
Activities of head offices; management consultancy activities
70220
Business consulting
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “La consultance et le conseil spécialisés dans le domaine de la conformité aux réglementations,en matière de droit des affaires,droit…”deed of 30-08-2024 (in French)
15 activities
- La consultance et le conseil spécialisés dans le domaine de la conformité aux réglementations,en matière de droit des affaires,droit commercial,droit des sociétés,droit financier,droit des biens contrôlés,droit lié aux aspects environnementaux,sociaux et de gouvernance (ESG) et autres domaines du droit - en ce compris,sous quelque forme et de quelque manière que ce soit,tout(e) :
- (i) guidance et assistance dans la compréhension et navigation du paysage réglementaire local,national,européen et international,
- (ii) fourniture de recommandations pratiques,plan d’actions,outils de mise en œuvre (e.g.checklists,decision tree),
- (iii) réalisation de recherches,études,audits et/ou analyses,
- (iv) création et organisation de formation,séminaire et/ou ateliers,en présentiel ou de manière virtuelle,
- (v) veille réglementaire,
- (vi) service d’accompagnement et de support dans le cadre de transactions et/ou de projets (en ce inclus de possible missions d’interim),
- (vii) assistance et consultance en matière de stratégie (e.g.commerciale,marketing,opérationnelle,R&D,RH,ESG etc.) et de politiques,
- (viii) assistance et consultance liée aux domaines de la gestion des risques (juridiques ou non),des responsabilités,des processus de décision,des documents,en ce compris leur archivage,de la protection des connaissances et de la propriété intellectuelle en général,et de la gouvernance de sociétés ;
- Tout avis,conseil et recommandation en lien direct ou indirect avec l’objet de la société,de manière écrite ou orale ;
- L'élaboration,la traduction,la révision et la publication de rapports,articles,ouvrages et autres documents sous toute leur forme ;
- La conclusion de toute convention de collaboration,d’assistance technique,commerciale ou financière,d’association,de partenariat ou autres avec toute entreprise,association ou société ;
- La prise,l’obtention,l’achat,l’exploitation et la cession de tous brevets,licences,inventions,procédés,marques et modèles.
- Toutes opérations commerciales,industrielles,financières,mobilières et immobilières se rattachant directement ou indirectement à son objet social ou pouvant en faciliter la réalisation ou le développement.
- S'intéresser par voie d'achat,d'apport,de fusion,de souscription,de participation,d'intervention financière ou autrement,à toute société,association ou entreprise ayant en tout ou en partie un objet similaire ou connexe au sien ou dont l'objet est de nature à faciliter,même indirectement,la réalisation du sien.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue Jef Ulburghs 45 registered office 4460 Grâce-Hollogne | 28-08-2024 | 2.362.999.281 |
Buildings and parcels at the address
- Ground area
- 292 m²
- Buildings
- 91 m²
- Volume, LiDAR
- 687 m³
- Tallest building
- 9.9 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 62046A1547/00N003 | 292 m² | 1 · 90 m² | 9.9 m · 3 |