CVM Consulting

Active

Private limited companyfounded 20242 yrs activeZesdagmaalstraat(SAR) 4/A, 3040 Huldenberg, BelgiumKBO/BCE: BE 1009.585.106

CVM Consulting has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16k and a net result of €-5k. Its solvency ranks better than 65% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).

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Checked score

Score 2025

67 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0▼-100

Solvency95▼-5

Growth32

Track record82

Bankruptcy probability, 12 months

0.5% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days acceptable

Liquidity ample (current ratio 3.33 against 5.12 in 2024; short-term debt: 29.7% and cash: 98% of total assets), and 29.7% 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

Six 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 70

Relative position

BE, all sectors

reference

Sector 70

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: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

70.3%

Return on assets

-21.4%

Age of the figures

9 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 01-07-2026, 30 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

30 d early

2024

21 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

21-09-2026 today31-12-2026 close31-07-2027 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

€16k▼ 23.4%

2024 · €22k

2024: €22k

2024 → 2025

Total assets

€23k▼ 12.1%

2024 · €27k

2024: €27k

2024 → 2025

Net result

€-5k

2024 · €17k

2024: €17k

2024 → 2025

Working capital

€16k▼ 23.6%

2024 · €21k

2024: €21k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€22k-€16k▼ 23.4%

Operating result€21k-€-5k

Net result€17k-€-5k

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

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2025: a loss of €5k after €21k in 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €23k

98.9%

Fixed assets €267=

Current assets €23k▼ 12.2%

Equity and liabilities €23k

70.3%

29.7%

Equity €16k▼ 23.4%

Debt €7k▲ 34.9%

The debt ratio rises from 19.3% to 29.7%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

Solvency

70.3%▼

2024 · 80.7%

Current ratio

3.33▼

2024 · 5.12

Quick ratio

3.33▼

2024 · 5.12

Debt / equity

0.42▲

2024 · 0.24

ROE

-30.5%▼

2024 · 76.8%

ROA

-21.4%▼

2024 · 61.9%

Debt

€7k▲

2024 · €5k

Debt ≤ 1 year

€7k▲

2024 · €5k

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€27k€23k▼

Fixed assets21/28€267€267=

Financial fixed assets28€267€267=

Current assets29/58€26k€23k▼

Amounts receivable within one year40/41€154€154=

Other amounts receivable41€154€154=

Cash at bank and in hand54/58€26k€23k▼

Deferred charges and accrued income490/1-€46

Equity and liabilities

Total equity and liabilities10/49€27k€23k▼

Equity10/15€22k€16k▼

Contributions10/11€5k€5k=

Reserves13€17k€11k▼

Distributable reserves133€17k€11k▼

Amounts payable17/49€5k€7k▲

Amounts payable within one year42/48€5k€7k▲

Trade debts44€1k€1k▲

Suppliers440/4€1k€1k▲

Taxes, remuneration and social security45€4k€4k=

Taxes450/3€4k€4k=

Other amounts payable47/48-€1k

Income statement Code20242025

Other operating charges640/8€492€874▲

Gross operating margin9900€21k€-4k▼

Operating profit (loss)9901€21k€-5k▼

Financial charges65/66B-€104

Recurring financial charges65-€104

Profit (loss) for the period before taxes9903€21k€-5k▼

Income taxes67/77€4k-

Profit (loss) for the period9904€17k€-5k▼

Profit (loss) for the period to be appropriated9905€17k€-5k▼

Appropriation of the result

Profit (loss) to be appropriated9906€17k€-5k▼

Transfer from equity791/2-€5k

Transfer to equity691/2€17k-

To other reserves6921€17k-

The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

01-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

10-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

NBB filing

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, Huldenberg · 1 establishment unit since 2024

establishment 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.

Zesdagmaalstraat(SAR) 4/A3040 Huldenberg

Ground area

1.8 ha

Building footprint

1,182 m²

Volume, LiDAR

13,713 m³

2 parcels, Flanders, Wallonia · tallest building 14.7 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

CVM Consulting

Business consulting

since 20242.360.615.061

2 parcels

Flanders 1 (50%) Wallonia 1 (50%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25112N0017/00A002	Wallonia	1.7 ha	1 · 1,071 m²	14.7 m · 4 fl.
24099A0524/00N000	Flanders	1,050 m²	1 · 111 m²	9.4 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

Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 28,468 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded22-05-2024

Fiscal year end31-12

Activities, NACEBEL

70200Business and other management consultancy

70220Business consulting

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.