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CVP CONSEIL

Active
Private limited company·Agenten en makelaars in bankdiensten· 3 yrs active
Rue les Hauts du Ry-Ternel 25 ·1461 Ittre, Belgium
KBO/BCE: BE 0802.971.542
Watch Print / PDF
Age3 yrs
Real estate1 parcel · 239 m²

Summary

Conclusion

the dossier summarised in one paragraph

CVP CONSEIL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €7k and a net result of €7k. Its solvency ranks better than 45% of 768 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Filing behaviour

From the deposit records, complete market-wide
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 12 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-08-2025, 18 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.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 18-08-2025 18 d late 2025-00378936
31-12-2023 31-07-2024 14-08-2025 379 d late 2025-00375609

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Equity€7k+2639.8%
Net result€7k
Total assets€22k+1351.2%
Solvency31.5%+14.8pp

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 18-08-2025 with the NBB · fiscal year 2024 · micro
€-3k€0€3k€5k€8kOperating result 2023: €-1k€-1kNet result 2023: €-1k€-1kOperating result 2024: €9k€9kNet result 2024: €7k€7k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 66 · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 31.5% 38.7%
better than 45% of 768 sector peers
Net result €7k €28k
better than 30% of 767 sector peers
Equity €7k €63k
better than 17% of 768 sector peers
Gross operating margin €9k €67k
better than 16% of 765 sector peers
Total assets €22k €190k
better than 8% of 768 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€7k
- 23-24
Total assets
€22k
+1351.2% 23-24
Equity
€7k
+2639.8% 23-24
Income taxes
€2k
- 23-24
Debt
€15k
+1093.5% 23-24
Debt ≤ 1y
€15k
+1093.5% 23-24
Solvency
31.5%
+88.8% 23-24
ROE
96.4%
- 23-24
ROA
30.3%
- 23-24
Figures by fiscal year
Fiscal year2024
Depositmicro
Revenuen/a
EBITDAn/a
Net profit€7k
Cash flown/a
Staff costs-
Income taxes€2k
Dividends-
Total assets€22k
Equity€7k
Debt€15k
of which ≤ 1y€15k
of which > 1y-
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2024
Current ration/a
Quick ration/a
Working capital ration/a
Solvency31.5%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA30.3%
ROE96.4%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€22k
Current assets 29/58€22k
Amounts receivable within one year 40/41€21k
Cash & bank 54/58€295
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€22k
Equity 10/15€7k
Contributions / capital 10/11€2k
Accumulated profits (losses) 14€5k
Amounts payable 17/49€15k
Amounts payable within one year 42/48€15k
Trade debts payable within one year 44€7k
Income statement
Gross operating margin 9900€9k
Operating result 9901€9k
Financial charges 65€89
Result before taxes 9903€9k
Income taxes 67/77€2k
Net result for the period 9904€7k
Result to be appropriated 9905€7k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Rue les Hauts du Ry-Ternel 251461 Ittre

Establishment units

1 location
CVP CONSEIL
Rue les Hauts du Ry-Ternel 25, 1461 IttreAgenten en makelaars in bankdiensten
since 20232.348.385.539
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area239 m²
Buildings1
Building footprint146 m²
Volume (LiDAR)830 m³
Tallest building8.8 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25039B0099/00F000indicative Wallonia 238 m² 1 · 145 m² 8.8 m · 2 fl.
Methodology
via registered seat: 1
0 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health-Profitability100Solvency60Growth78Stability94
83 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability 100
Solvency 60
Growth 78
Stability 94

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 293 of the 1,683 companies in this sector. 100 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Agenten en makelaars in bankdiensten66191Agenten en makelaars in bankdiensten66191Verzekeringsagenten en -makelaars66220Activiteiten van verzekeringsagenten en -makelaars66220Administratieve en ondersteunende activiteiten ten behoeve van kantoren82100Diverse administratieve activiteiten ten behoeve van kantoren82110
Primary activity highlighted.
Names & trade names
Legal nameFR CVP CONSEIL
Registered office
Rue les Hauts du Ry-Ternel 25
1461 Ittre, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.