CVHD CONSULTING
ActiveThe computed 12-month bankruptcy probability of CVHD CONSULTING is 2.2% (moderate). The annual accounts of CVHD CONSULTING for fiscal year 2024 show a net loss of 56% of total assets. The 2024 annual accounts show equity of €45k and a net result of €-26k. Equity is growing by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 36378 sector peers (fiscal year 2024). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-11
Solvency100▲+20
Growth52=
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
short-term debt: 0.7% and cash: 3.3% of total assets, and 0.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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 2024Solvency, return and age of the figures
Solvency
99.3%
Return on assets
-56.4%
Age of the figures
21 mo
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
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-26k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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
not confirmed
2024
29 d late
2023
47 d late
2022
91 d late
2021
78 d late
2020
31 d late
2019
91 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€278k
EBIT margin
2.7%
Net result
€-26k▼ 85.4%
2023 · €-14k
2018: €33k
2019: €23k
2020: €-504
2021: €5k
2022: €23k
2023: €-14k
2018 → 2024
Working capital
€45k▼ 36.2%
2023 · €71k
2018: €51k
2019: €59k
2020: €58k
2021: €50k
2022: €76k
2023: €71k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€278k
Equity€57k-€62k▲ 9.2%€85k▲ 36.7%€71k▼ 16.3%€45k▼ 36.2%
Operating result€2k-€7k▲ 202%€32k▲ 335%€-11k€-22k▼ 109%
Net result€-504-€5k€23k▲ 336%€-14k€-26k▼ 85.4%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €22k in 2024 against €11k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €45k
Equity
€45k▼ 36.2%
Debt
€322▼ 99.5%
The debt ratio falls from 45.3% to 0.7%. Equity and debt are lower.
Key figures and ratios
Solvency
99.3%▲
2023 · 54.7%
Debt / equity
0.01▼
2023 · 0.83
ROE
-56.8%▼
2023 · -19.5%
ROA
-56.4%▼
2023 · -10.7%
Debt
€322▼
2023 · €59k
Debt ≤ 1 year
€322▼
2023 · €59k
Income taxes
€1k
Staff costs
€464▼
2023 · €7k
A ratio outside any meaningful range has been withheld (balance sheet total €45k, equity €45k).
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€129k€45k▼
Current assets29/58€129k€45k▼
Amounts receivable within one year40/41€129k€44k▼
Trade receivables40€126k€40k▼
Other amounts receivable41€3k€4k▲
Cash at bank and in hand54/58€6€2k▲
Deferred charges and accrued income490/1€414-
Equity and liabilities
Total equity and liabilities10/49€129k€45k▼
Equity10/15€71k€45k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€50k€25k▼
Amounts payable17/49€59k€322▼
Amounts payable within one year42/48€59k€322▼
Financial debts43€17k-
Credit institutions430/8€17k-
Trade debts44€12k€322▼
Suppliers440/4€12k€322▼
Taxes, remuneration and social security45€9k-
Taxes450/3€9k-
Other amounts payable47/48€21k-
Income statement
Code20232024
Remuneration, social security and pensions62€7k€464▼
Other operating charges640/8€3k€15k▲
Gross operating margin9900€-676€-7k▼
Operating profit (loss)9901€-11k€-22k▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€-14k€-24k▼
Income taxes67/77-€1k
Profit (loss) for the period9904€-14k€-26k▼
Profit (loss) for the period to be appropriated9905€-14k€-26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€50k€25k▼
Profit (loss) brought forward from the previous period14P€64k€50k▼
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-26k
Net result drops to €-26k, the lowest in the series.
31-12
Financial
Liquidity times 64current ratio 141.08
Current ratio from 2.21 to 141.08; short-term debt falls from €59k to €322.
16-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 47 days late
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 91 days late
2022
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 78 days late
2021
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 91 days late
2019
13-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 135 days late
2018
11-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 42 days late
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 11 days late
2016
29-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
15-10-2025
ADIL BENAISSA: Resigned as Director
15-10-2025
Fatih Mazibas: Resigned as Director
02-05-2023
MAZIBAS Mahmut: Resigned as Director
25-07-2017
VANHADENHOVEN Claude: Resigned as Managing director
Location & real-estate footprint
Registered office, Sint-Jans-Molenbeek · 1 establishment unit since 2009
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.
Vrijheidslaan 1751080 Sint-Jans-MolenbeekGround area
1,308 m²
Building footprint
342 m²
Volume, LiDAR
2,140 m³
2 parcels, Brussels, Wallonia · tallest building 10.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Chaussée de Tirlemont 23, 4260 Braives
since 20092.182.703.896
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64015A0420/00G002 | Wallonia | 998 m² | 1 · 99 m² | 8.2 m · 2 fl. |
| 21526D0069/02A005 | Brussels | 310 m² | 1 · 243 m² | 10.9 m · 2 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.
Similar companies · same sector, comparable size
BODAN CONSTRUCT
BE 0801.125.869
Sint-Pieters-Leeuw · Eq €45k
CLIMBEX
BE 0801.894.347
Antwerpen · Eq €45k
Julien COPPEZ
BE 0820.913.176
Brunehaut · Eq €45k
ID4U
BE 0865.389.062
Anderlecht · Eq €45k
B.P.V. GRONDWERKEN
BE 0768.665.117
Kortemark · Eq €45k
Of 15,536 companies in sector 43990 we hold annual accounts for 7,421. 6,032 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded09-10-2009
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
42120Civil engineering
42211Civil engineering
42212Civil engineering
42219Civil engineering
43120Site preparation
47521Retail sale of hardware, building materials, paint and glass (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.