FV Consult is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €296k and a net result of €-1k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 63% of 5511 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
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. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
13 d early
2023
6 d early
2022
on the day
2021
2 d late
2020
31 d late
2019
24 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€296k▼ 0.5%
2024 · €298k
2018: €359k
2019: €331k
2020: €310k
2021: €303k
2022: €301k
2023: €299k
2024: €298k
2018 → 2025
Net result
€-1k▼ 25.4%
2024 · €-1k
2018: €24k
2019: €-28k
2020: €-21k
2021: €-7k
2022: €-2k
2023: €-3k
2024: €-1k
2018 → 2025
Total assets
€451k=
2024 · €451k
2018: €510k
2019: €461k
2020: €458k
2021: €452k
2022: €451k
2023: €451k
2024: €451k
2018 → 2025
Solvency
65.7%▼ 0.3pp
2024 · 66.0%
2018: 70.3%
2019: 71.7%
2020: 67.6%
2021: 67.0%
2022: 66.8%
2023: 66.3%
2024: 66.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€303k-€301k▼ 0.6%€299k▼ 0.8%€298k▼ 0.4%€296k▼ 0.5%
Operating result€-7k-€-2k▲ 76.0%€-2k▼ 51.8%€-945▲ 61.1%€-1k▼ 27.3%
Net result€-7k-€-2k▲ 75.2%€-3k▼ 48.7%€-1k▲ 56.5%€-1k▼ 25.4%
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 stays negative: a loss of €1k in 2025 against €945 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €451k
Fixed assets
€451k=
Current assets
€506▲ 6.3%
Equity and liabilities €451k
Equity
€296k▼ 0.5%
Debt
€155k▲ 0.8%
The debt ratio rises from 34.0% to 34.3%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
65.7%▼
2024 · 66.0%
ROE
-0.5%▼
2024 · -0.4%
ROA
-0.3%▼
2024 · -0.2%
Debt
€155k▲
2024 · €153k
Debt ≤ 1 year
€155k▲
2024 · €153k
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€451k€451k=
Fixed assets21/28€451k€451k=
Tangible fixed assets22/27€635€526▼
Furniture and vehicles24€635€526▼
Financial fixed assets28€450k€450k=
Current assets29/58€476€506▲
Cash at bank and in hand54/58€476€506▲
Equity and liabilities
Total equity and liabilities10/49€451k€451k=
Equity10/15€298k€296k▼
Contributions10/11€225k€225k=
Reserves13€73k€71k▼
Non-distributable reserves130/1€8k€8k=
Reserves not available under the articles1311€8k€8k=
Distributable reserves133€65k€63k▼
Amounts payable17/49€153k€155k▲
Amounts payable within one year42/48€153k€155k▲
Trade debts44€25€19▼
Suppliers440/4€25€19▼
Other amounts payable47/48€153k€155k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€109€109=
Other operating charges640/8-€400
Gross operating margin9900€-837€-695▲
Operating profit (loss)9901€-945€-1k▼
Financial charges65/66B€149€169▲
Recurring financial charges65€149€169▲
Profit (loss) for the period before taxes9903€-1k€-1k▼
Profit (loss) for the period9904€-1k€-1k▼
Profit (loss) for the period to be appropriated9905€-1k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€-1k▼
Transfer from equity791/2€1k€1k▲
The notes to these accounts (5 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 2 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 24 days late
2019
31-12
Financial
Weakest financial yearnet €-28k ▼218%
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Diest · 1 establishment unit since 2010
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.
Commissaris Neyskenslaan 293290 DiestGround area
676 m²
Building footprint
261 m²
Volume, LiDAR
3,297 m³
Parcel 24020B0111/00V028, Flanders · tallest building 15.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
FV Consult
since 20102.192.994.113
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24020B0111/00V028 | Flanders | 676 m² | 1 · 261 m² | 15.9 m · 4 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.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 13,758 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-09-2010
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.