CVM CONSULT

Active

Private limited companyfounded 200422 yrs activeAv Ab de Remiremont 4, 1420 Braine-l'Alleud, BelgiumKBO/BCE: BE 0863.274.165

Summary

CVM CONSULT has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-19k) and a net result of €-20k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 8% of 9517 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).

Risk analysis Watch Report Compare

CVM CONSULTActiveChecked score 28/100

Risk analysis Report Compare

Checked score

Score 2024

28 / 100

Weak

Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability0=

Solvency0=

Growth32=

Track record100

Bankruptcy probability, 12 months

0.7% Low

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.4 against 0.56 in 2023; short-term debt: 166.2% and cash: 15.9% of total assets), and equity is negative.

Credit check for your own amount and term

Signals

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

−lowers risk+raises risk○neutral

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 2024

Solvency, return and age of the figures

Solvency

-66.2%

Return on assets

-68.9%

Age of the figures

21 mo

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

Office administrative, office support and other business support activities (NACE 82)

about 37% fewer bankruptcies

← fewer bankruptcies more bankruptcies →

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Negative equity

The 2024 annual accounts show negative equity and a net loss.

NBB · annual accounts 2024

Equity per financial year

18192021222324

2018 to 2024 · latest year €-19k

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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 filings

Deviation from the deadline

2025

not confirmed

2024

60 d late

2023

65 d late

2022

on the day

2021

32 d early

2020

5 d early

2019

31 d late

← before the deadline after the deadline →

Checked, nothing found (1)

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 2024, micro schema

Equity

€-19k▼ 63.4%

2023 · €-12k

2018: €6k 2019: €8k▲ +44.4% vs 2018 2020: €8k▼ -2.6% vs 2019 2021: €8k▲ +3.4% vs 2020highest in 7 years 2022: €8k▼ -4.1% vs 2021 2023: €-12k▼ -249% vs 2022 2024: €-19k▼ -63.4% vs 2023lowest in 7 years

2018 → 2024

Total assets

€29k▼ 39.1%

2023 · €48k

2018: €158khighest in 7 years 2019: €149k▼ -5.8% vs 2018 2020: €126k▼ -15.3% vs 2019 2021: €103k▼ -18.6% vs 2020 2022: €87k▼ -15.1% vs 2021 2023: €48k▼ -44.9% vs 2022 2024: €29k▼ -39.1% vs 2023lowest in 7 years

2018 → 2024

Net result

€-20k▼ 1.6%

2023 · €-20k

2018: €3khighest in 7 years 2019: €3k▼ -20.3% vs 2018 2020: €-219▼ -109% vs 2019 2021: €277▲ +226% vs 2020 2022: €-345▼ -225% vs 2021 2023: €-20k▼ -5669% vs 2022 2024: €-20k▼ -1.6% vs 2023lowest in 7 years

2018 → 2024

Working capital

€-29k▼ 56.0%

2023 · €-19k

2018: €30k 2019: €31k▲ +2.4% vs 2018highest in 7 years 2020: €22k▼ -29.9% vs 2019 2021: €16k▼ -28.2% vs 2020 2022: €9k▼ -42.3% vs 2021 2023: €-19k▼ -306% vs 2022 2024: €-29k▼ -56.0% vs 2023lowest in 7 years

2018 → 2024

Trend over the years

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€8k-€8k▲ 3.4%€8k▼ 4.1%€-12k€-19k▼ 63.4% 2020: €8k 2021: €8k▲ +3.4% vs 2020highest in 5 years 2022: €8k▼ -4.1% vs 2021 2023: €-12k▼ -249% vs 2022 2024: €-19k▼ -63.4% vs 2023lowest in 5 years

Operating result€5k-€5k▲ 7.3%€4k▼ 29.5%€-17k€-19k▼ 7.2% 2020: €5k 2021: €5k▲ +7.3% vs 2020highest in 5 years 2022: €4k▼ -29.5% vs 2021 2023: €-17k▼ -561% vs 2022 2024: €-19k▼ -7.2% vs 2023lowest in 5 years

Net result€-219-€277€-345€-20k▼ 5,669%€-20k▼ 1.6% 2020: €-219 2021: €277▲ +226% vs 2020highest in 5 years 2022: €-345▼ -225% vs 2021 2023: €-20k▼ -5669% vs 2022 2024: €-20k▼ -1.6% vs 2023lowest in 5 years

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

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €19k in 2024 against €17k 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

Assets €29k

33.2%

66.8%

Fixed assets €10k ▼ 60.9%

Current assets €20k ▼ 16.0%

Key figures and ratios

2024 value · change against 2023

EBITDA

€-4k▼

2023 · €-2k

Cash flow

€-5k▼

2023 · €-4k

Solvency

-66.2%▼

2023 · -24.7%

Current ratio

0.40▼

2023 · 0.56

Quick ratio

0.26▼

2023 · 0.38

Debt to equity

-2.51▲

2023 · -5.05

ROA

-68.9%▼

2023 · -41.3%

Interest coverage

-2.22▼

2023 · -0.77

Debt

€49k▼

2023 · €60k

Debt ≤ 1 year

€49k▲

2023 · €42k

Income taxes

€-16▼

2023 · €170

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

As filed By statement

Filed annual accounts As filed with the NBB · 2024 against 2023 · 47 lines

Balance sheet Code20232024

Assets

Total assets20/58€48k€29k▼

Fixed assets21/28€25k€10k▼

Intangible fixed assets21€2k€850▼

Tangible fixed assets22/27€23k€9k▼

Land and buildings22€23k€9k▼

Furniture and vehicles24€423-

Financial fixed assets28€25€25=

Current assets29/58€23k€20k▼

Stocks and contracts in progress3€7k€7k▼

Stocks30/36€7k€7k▼

Amounts receivable within one year40/41€7k€8k▲

Trade receivables40€6k€6k▼

Other amounts receivable41€875€2k▲

Cash at bank and in hand54/58€9k€5k▼

Deferred charges and accrued income490/1€113-

Equity and liabilities

Total equity and liabilities10/49€48k€29k▼

Equity10/15€-12k€-19k▼

Contributions10/11€19k€19k=

Reserves13€7k€7k=

Non-distributable reserves130/1€2k€2k=

Reserves not available under the articles1311€2k€2k=

Tax-exempt reserves132€5k€5k=

Profit (loss) carried forward14€-37k€-45k▼

Amounts payable17/49€60k€49k▼

Amounts payable after more than one year17€18k-

Financial debts170/4€18k-

Amounts payable within one year42/48€42k€49k▲

Current portion of amounts payable after more than one year42€23k€18k▼

Trade debts44€9k€6k▼

Suppliers440/4€9k€6k▼

Taxes, remuneration and social security45€1k-

Taxes450/3€1k-

Other amounts payable47/48€9k€25k▲

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k▼

Other operating charges640/8€4k€2k▼

Gross operating margin9900€2k€-1k▼

Operating profit (loss)9901€-17k€-19k▼

Financial income75/76B€191-

Recurring financial income75€191-

Financial charges65/66B€3k€2k▼

Recurring financial charges65€3k€2k▼

Profit (loss) for the period before taxes9903€-20k€-20k▼

Income taxes67/77€170€-16▼

Profit (loss) for the period9904€-20k€-20k▼

Profit (loss) for the period to be appropriated9905€-20k€-20k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-37k€-45k▼

Profit (loss) brought forward from the previous period14P€-17k€-24k▼

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Accounts by statement

Income statement Balance sheet Cash flow

Line	2020	2021	2022	2023	2024	Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630	€16k	€16k	€16k	€15k	€15k	▼ 2.0%
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4	-	€2k	-	-	-	-
Other operating charges640/8	-	€930	€3k	€4k	€2k	▼ 53.3%
Gross operating margin9900	€25k	€24k	€23k	€2k	€-1k	▼ 159%
Operating profit (loss)9901	€5k	€5k	€4k	€-17k	€-19k	▼ 7.2%
Financial income75/76B	-	€480	€597	€191	-	-
Recurring financial income75	€684	€480	€597	€191	-	-
Financial charges65/66B	-	€4k	€3k	€3k	€2k	▼ 37.3%
Recurring financial charges65	€5k	€4k	€3k	€3k	€2k	▼ 37.3%
Profit (loss) for the period before taxes9903	€513	€1k	€953	€-20k	€-20k	▼ 2.6%
Income taxes67/77	€732	€1k	€1k	€170	€-16	▼ 109%
Profit (loss) for the period9904	€-219	€277	€-345	€-20k	€-20k	▼ 1.6%
Profit (loss) for the period to be appropriated9905	€-219	€277	€-345	€-20k	€-20k	▼ 1.6%

Line	2020	2021	2022	2023	2024	Change
Assets
Total assets20/58	€126k	€103k	€87k	€48k	€29k	▼ 39.1%
Fixed assets21/28	€71k	€56k	€40k	€25k	€10k	▼ 60.9%
Intangible fixed assets21	€5k	€4k	€3k	€2k	€850	▼ 50.0%
Tangible fixed assets22/27	€66k	€53k	€38k	€23k	€9k	▼ 61.7%
Land and buildings22	-	€50k	€37k	€23k	€9k	▼ 61.0%
Furniture and vehicles24	-	€2k	€1k	€423	-	-
Financial fixed assets28	€329	€25	€25	€25	€25	=
Current assets29/58	€55k	€47k	€47k	€23k	€20k	▼ 16.0%
Stocks and contracts in progress3	€11k	€9k	€9k	€7k	€7k	▼ 4.8%
Stocks30/36	-	€9k	€9k	€7k	€7k	▼ 4.8%
Amounts receivable within one year40/41	€20k	€18k	€26k	€7k	€8k	▲ 8.9%
Trade receivables40	-	€10k	€17k	€6k	€6k	▼ 9.3%
Other amounts receivable41	-	€8k	€10k	€875	€2k	▲ 140%
Cash at bank and in hand54/58	€22k	€20k	€12k	€9k	€5k	▼ 45.5%
Deferred charges and accrued income490/1	-	€200	€104	€113	-	-
Equity and liabilities
Total equity and liabilities10/49	€126k	€103k	€87k	€48k	€29k	▼ 39.1%
Equity10/15	€8k	€8k	€8k	€-12k	€-19k	▼ 63.4%
Contributions10/11	-	€19k	€19k	€19k	€19k	=
Reserves13	€7k	€7k	€7k	€7k	€7k	=
Non-distributable reserves130/1	-	€2k	€2k	€2k	€2k	=
Reserves not available under the articles1311	-	€2k	€2k	€2k	€2k	=
Tax-exempt reserves132	-	€5k	€5k	€5k	€5k	=
Profit (loss) carried forward14	€-17k	€-17k	€-17k	€-37k	€-45k	▼ 20.3%
Amounts payable17/49	€118k	€95k	€79k	€60k	€49k	▼ 18.8%
Amounts payable after more than one year17	€85k	€64k	€41k	€18k	-	-
Financial debts170/4	-	€64k	€41k	€18k	-	-
Amounts payable within one year42/48	€33k	€31k	€38k	€42k	€49k	▲ 16.0%
Current portion of amounts payable after more than one year42	-	€22k	€22k	€23k	€18k	▼ 22.5%
Trade debts44	€7k	€5k	€10k	€9k	€6k	▼ 29.1%
Suppliers440/4	-	€5k	€10k	€9k	€6k	▼ 29.1%
Taxes, remuneration and social security45	-	€4k	€5k	€1k	-	-
Taxes450/3	-	€4k	€5k	€1k	-	-
Other amounts payable47/48	-	-	-	€9k	€25k	▲ 185%

Line	2020	2021	2022	2023	2024	Change
Profit (loss) for the period9904	€-219	€277	€-345	€-20k	€-20k	▼ 1.6%
+ Depreciation and write-downs630	€16k	€16k	€16k	€15k	€15k	▼ 2.0%
Operating cash flow (approximation)	€16k	€16k	€16k	€-4k	€-5k	▼ 14.0%
Investment in fixed assets (approximation)	-	€-1k	€0	€0	€0	-
Change in cash	-	€-3k	€-7k	€-4k	€-4k	▼ 8.5%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Timeline · acts, filings and financial milestones

All 12Financial 2Filings 10

2025

29-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 60 days late

2024

31-12

Financial Weakest financial yearnet €-20k

Net result drops to €-20k, the lowest in the series.

04-10

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 65 days late

2023

31-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

29-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

31-12

Financial Back to profitnet €277

Net result €277 after one loss-making year.

26-07

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

31-08

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 31 days late

2019

01-07

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

30-08

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 30 days late

2017

31-08

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 31 days late

2016

26-08

NBB filing Annual accounts filed

fiscal year 2015 · full schema · 26 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

0 of 3 acts read

About the unread acts

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors

3 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, Braine-l'Alleud · 1 establishment unit since 2005

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.

Av Ab de Remiremont 41420 Braine-l'Alleud

1 establishment unit

CVM CONSULT

Av Ab de Remiremont 4, 1420 Braine-l'AlleudNACE 7412401

since 20052.149.365.986

Similar companies · same sector, comparable size

Mathey Advice & Consulting

BE 1006.451.214

Chaumont-Gistoux · Eq €8,026

BRAM KERKHOFS DESIGN STUDIO

BE 0563.669.077

Holsbeek · Eq €7,967

Of 24,515 companies in sector 82990 we hold annual accounts for 9,408. 4,095 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification

Legal formPrivate limited company

Founded06-02-2004

Fiscal year end31-12

Activities, NACEBEL 2025

82990Other business support services

Scores and ratios are computed by Checked and are not a credit decision.