CW CONSULTING
ActiveCW CONSULTING has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.33M and a net result of €142k. Equity is growing by ~8% per year across the filed fiscal years. Its solvency ranks better than 70% of 16922 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
90
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▼-21
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity ample (current ratio 4.93 against 4.69 in 2024), and 22.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
77.1%
Return on assets
8.2%
Age of the figures
8 mo
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
44 d early
2023
35 d early
2022
3 d early
2021
31 d early
2020
18 d late
2019
31 d late
← before the deadline
after the deadline →
neutral · 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 monthsPosition in the running window
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.33M▼ 10.3%
2024 · €1.48M
2018: €622k
2019: €933k
2020: €1.23M
2021: €1.54M
2022: €1.70M
2023: €1.57M
2024: €1.48M
2018 → 2025
Total assets
€1.73M▼ 10.3%
2024 · €1.92M
2018: €707k
2019: €1.05M
2020: €1.30M
2021: €1.61M
2022: €1.96M
2023: €1.93M
2024: €1.92M
2018 → 2025
Net result
€142k▼ 35.3%
2024 · €219k
2018: €295k
2019: €311k
2020: €295k
2021: €308k
2022: €357k
2023: €166k
2024: €219k
2018 → 2025
Working capital
€1.34M▼ 7.7%
2024 · €1.45M
2018: €587k
2019: €872k
2020: €1.19M
2021: €1.52M
2022: €1.66M
2023: €1.54M
2024: €1.45M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.54M-€1.70M▲ 10.7%€1.57M▼ 7.5%€1.48M▼ 5.7%€1.33M▼ 10.3%
Operating result€444k-€514k▲ 15.8%€238k▼ 53.8%€307k▲ 29.3%€198k▼ 35.5%
Net result€308k-€357k▲ 15.9%€166k▼ 53.5%€219k▲ 32.3%€142k▼ 35.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 36% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.73M
Fixed assets
€48k▼ 42.3%
Current assets
€1.68M▼ 8.8%
Equity and liabilities €1.73M
Equity
€1.33M▼ 10.3%
Debt
€396k▼ 10.1%
The debt ratio stays at 22.9%.
Key figures and ratios
EBITDA
€225k▼
2024 · €336k
Cash flow
€169k▼
2024 · €248k
Solvency
77.1%▼
2024 · 77.1%
Current ratio
4.93▲
2024 · 4.69
Quick ratio
4.93▲
2024 · 4.69
Debt / equity
0.30▲
2024 · 0.30
ROE
10.7%▼
2024 · 14.8%
ROA
8.2%▼
2024 · 11.4%
Interest coverage
697.53▲
2024 · 363.40
Debt
€396k▼
2024 · €440k
Debt ≤ 1 year
€341k▼
2024 · €392k
Income taxes
€67k▼
2024 · €104k
Staff costs
€2k▼
2024 · €152k
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€1.92M€1.73M▼
Fixed assets21/28€84k€48k▼
Tangible fixed assets22/27€84k€48k▼
Furniture and vehicles24€84k€48k▼
Current assets29/58€1.84M€1.68M▼
Amounts receivable within one year40/41€148k€76k▼
Trade receivables40€82k€61k▼
Other amounts receivable41€66k€15k▼
Current investments50/53€1.50M€1.32M▼
Cash at bank and in hand54/58€187k€278k▲
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€1.92M€1.73M▼
Equity10/15€1.48M€1.33M▼
Contributions10/11€119k€119k=
Reserves13€1.36M€1.21M▼
Tax-exempt reserves132€3k€3k=
Distributable reserves133€1.36M€1.21M▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€440k€396k▼
Amounts payable within one year42/48€392k€341k▼
Trade debts44€19k€21k▲
Suppliers440/4€19k€21k▲
Taxes, remuneration and social security45€64k€27k▼
Taxes450/3€56k€27k▼
Remuneration and social security454/9€8k€0▼
Other amounts payable47/48€309k€293k▼
Accrued charges and deferred income492/3€48k€55k▲
Income statement
Code20242025
Non-recurring operating income76A€36k€3k▼
Remuneration, social security and pensions62€152k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€27k▼
Other operating charges640/8€4k€1k▼
Gross operating margin9900€492k€228k▼
Operating profit (loss)9901€307k€198k▼
Financial income75/76B€17k€11k▼
Recurring financial income75€17k€11k▼
Financial charges65/66B€924€323▼
Recurring financial charges65€924€323▼
Profit (loss) for the period before taxes9903€324k€209k▼
Income taxes67/77€104k€67k▼
Profit (loss) for the period9904€219k€142k▼
Profit (loss) for the period to be appropriated9905€219k€142k▼
Appropriation of the result
Profit (loss) to be appropriated9906€219k€142k▼
Transfer from equity791/2€309k€295k▼
Transfer to equity691/2€219k€142k▼
To other reserves6921€219k€142k▼
Profit to be distributed694/7€309k€295k▼
Return on contributions (dividend)694€309k€295k▼
Social balance
Average headcount (FTE)90871.9-
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €142k ▼35.3%
Net result drops to €142k, the lowest in the series.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €357k ▲15.9%
Operating result €514k, net result €357k, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 18 days late
2020
31-12
Financial
Equity above €1MEq €1.23M ▲31.6%
3 profitable years in a row build equity to €1.23M.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
02-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 2 days late
2017
16-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Pajottegem · 1 establishment unit since 1998
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.
Hutselenbergstraat 211755 PajottegemGround area
2,260 m²
Building footprint
194 m²
Volume, LiDAR
899 m³
Parcel 23024B0443/00M000, Flanders · tallest building 9.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CW CONSULTING
since 19982.086.862.552
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23024B0443/00M000 | Flanders | 2,260 m² | 1 · 194 m² | 9.9 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 1,666 EUR awarded · 1,666 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 360 EUR | 360 EUR |
| 2023 | 1 | 818 EUR | 818 EUR |
| 2022 | 1 | 488 EUR | 488 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,885 companies in sector 62200 we hold annual accounts for 18,321. 6,923 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-05-1998
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62100Computer programming
71121Engineering and related technical consultancy, excluding land surveyors
71122Land surveying
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.