Summary
FV CONSULTING 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 €20,460 and a net result of €152,460. Equity is shrinking by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 13% of 8102 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 8102 sector peers (2025).
NBB · sector comparisonPosition among 8102 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-01-2026, 5 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
5 d early
2024
1 d early
2023
11 d early
2022
11 d early
2021
10 d early
2020
8 d early
2019
32 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 11 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close30-09-2026 today31-01-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Subsidies What changed in the latest annual accounts?What changed
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Financials · fiscal year 2025, micro schema
Equity
€20,460▼ 38.6%
2024 · €33,320
Net result
€152,460▼ 11.0%
2024 · €171,346
Total assets
€315,585▼ 23.1%
2024 · €410,162
Solvency
6.5%▼ 1.6pp
2024 · 8.1%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€254,238▲ 51.0%€236,489▼ 7.0%€227,906▼ 3.6%€231,194▲ 1.4%€199,932▼ 13.5%
Net result€196,121above the sector's middle half▲ 62.0%€181,579above the sector's middle half▼ 7.4%€171,807above the sector's middle half▼ 5.4%€171,346above the sector's middle half▼ 0.3%€152,460above the sector's middle half▼ 11.0%
Equity€23,588below the sector's middle half▲ 5.0%€25,168below the sector's middle half▲ 6.7%€21,974below the sector's middle half▼ 12.7%€33,320below the sector's middle half▲ 51.6%€20,460below the sector's middle half▼ 38.6%
Total assets€815,070within the sector's middle half▲ 17.6%€551,547within the sector's middle half▼ 32.3%€377,490within the sector's middle half▼ 31.6%€410,162within the sector's middle half▲ 8.7%€315,585within the sector's middle half▼ 23.1%
Debt€791,482▲ 18.0%€526,379▼ 33.5%€355,516▼ 32.5%€376,842▲ 6.0%€295,125▼ 21.7%
Working capital-€56,249below the sector's middle half▼ 84.9%-€104,405below the sector's middle half▼ 85.6%-€162,642below the sector's middle half▼ 55.8%-€225,208below the sector's middle half▼ 38.5%-€241,834below the sector's middle half▼ 7.4%
Solvency2.9%below the sector's middle half▼ 0.3pp4.6%below the sector's middle half▲ 1.7pp5.8%below the sector's middle half▲ 1.3pp8.1%below the sector's middle half▲ 2.3pp6.5%below the sector's middle half▼ 1.6pp
Current ratio0.90within the sector's middle half▼ 0.020.70within the sector's middle half▼ 0.200.34below the sector's middle half▼ 0.360.30below the sector's middle half▼ 0.040.09below the sector's middle half▼ 0.21
Return on assets (ROA)24.1%above the sector's middle half▲ 6.6pp32.9%above the sector's middle half▲ 8.9pp45.5%above the sector's middle half▲ 12.6pp41.8%above the sector's middle half▼ 3.7pp48.3%above the sector's middle half▲ 6.5pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 14% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €315,585
Fixed assets
€292,145 ▼ 6.8%
Current assets
€23,440 ▼ 75.8%
Equity and liabilities €315,585
Equity
€20,460 ▼ 38.6%
Debt
€295,125 ▼ 21.7%
Debt's share of the balance-sheet total rises from 91.9% to 93.5%. Equity and debt are lower.
Key figures and ratios
ROE
745.2%▲
2024 · 514.2%
Debt ≤ 1 year
€265,274▼
2024 · €321,937
Debt > 1 year
€0▼
2024 · €16,850
Income taxes
€47,092▼
2024 · €57,784
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,440 | €10,475 | €12,006 | €14,628 | €22,304 | ▲ 52.5% |
| Other operating charges640/8 | - | €1,424 | €1,537 | €2,648 | €2,206 | ▼ 16.7% |
| Non-recurring operating charges66A | - | €62 | €0 | - | - | - |
| Gross operating margin9900 | €266,114 | €248,450 | €241,448 | €248,469 | €224,442 | ▼ 9.7% |
| Operating profit (loss)9901 | €254,238 | €236,489 | €227,906 | €231,194 | €199,932 | ▼ 13.5% |
| Financial income75/76B | - | €7,689 | €1,053 | €74 | €117 | ▲ 57.7% |
| Recurring financial income75 | €8,207 | €7,689 | €1,053 | €74 | €117 | ▲ 57.7% |
| Financial charges65/66B | - | €5,351 | €2,538 | €2,138 | €497 | ▼ 76.7% |
| Recurring financial charges65 | €4,718 | €5,351 | €2,538 | €2,138 | €497 | ▼ 76.7% |
| Profit (loss) for the period before taxes9903 | €257,727 | €238,826 | €226,422 | €229,130 | €199,552 | ▼ 12.9% |
| Income taxes67/77 | €61,606 | €57,247 | €54,615 | €57,784 | €47,092 | ▼ 18.5% |
| Profit (loss) for the period9904 | €196,121 | €181,579 | €171,807 | €171,346 | €152,460 | ▼ 11.0% |
| Profit (loss) for the period to be appropriated9905 | €196,121 | €181,579 | €171,807 | €171,346 | €152,460 | ▼ 11.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €815,070 | €551,547 | €377,490 | €410,162 | €315,585 | ▼ 23.1% |
| Fixed assets21/28 | €308,503 | €303,717 | €292,495 | €313,433 | €292,145 | ▼ 6.8% |
| Tangible fixed assets22/27 | €306,024 | €303,717 | €292,495 | €313,433 | €292,145 | ▼ 6.8% |
| Land and buildings22 | - | €295,137 | €285,691 | €280,287 | €270,309 | ▼ 3.6% |
| Plant, machinery and equipment23 | - | €1,403 | €1,659 | €950 | - | - |
| Furniture and vehicles24 | - | €7,177 | €5,146 | €32,196 | €21,836 | ▼ 32.2% |
| Financial fixed assets28 | €2,479 | - | - | - | - | - |
| Current assets29/58 | €506,567 | €247,830 | €84,995 | €96,729 | €23,440 | ▼ 75.8% |
| Amounts receivable after more than one year29 | - | €175,000 | €0 | - | - | - |
| Other amounts receivable291 | - | €175,000 | €0 | - | - | - |
| Amounts receivable within one year40/41 | €15,460 | €33,785 | €5,949 | €5,332 | €4,069 | ▼ 23.7% |
| Trade receivables40 | - | €27,639 | €0 | €5,065 | €1,232 | ▼ 75.7% |
| Other amounts receivable41 | - | €6,147 | €5,949 | €267 | €2,836 | ▲ 962% |
| Cash at bank and in hand54/58 | €315,555 | €39,045 | €78,243 | €91,398 | €19,371 | ▼ 78.8% |
| Deferred charges and accrued income490/1 | - | - | €803 | €0 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €815,070 | €551,547 | €377,490 | €410,162 | €315,585 | ▼ 23.1% |
| Equity10/15 | €23,588 | €25,168 | €21,974 | €33,320 | €20,460 | ▼ 38.6% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €0 | - | - |
| Reserves not available under the articles1311 | - | - | €1,860 | €0 | - | - |
| Other1319 | - | €1,860 | - | - | - | - |
| Distributable reserves133 | - | - | - | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €3,128 | €4,708 | €1,514 | €12,860 | €0 | ▼ 100% |
| Amounts payable17/49 | €791,482 | €526,379 | €355,516 | €376,842 | €295,125 | ▼ 21.7% |
| Amounts payable after more than one year17 | €139,308 | €99,985 | €60,310 | €16,850 | €0 | ▼ 100% |
| Financial debts170/4 | - | €99,985 | €60,310 | €16,850 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €562,816 | €352,236 | €247,637 | €321,937 | €265,274 | ▼ 17.6% |
| Current portion of amounts payable after more than one year42 | - | €39,255 | €39,675 | €40,135 | €16,850 | ▼ 58.0% |
| Trade debts44 | €14,899 | €1,912 | €3,309 | €6,569 | €6,732 | ▲ 2.5% |
| Suppliers440/4 | - | €1,912 | €3,309 | €6,569 | €6,732 | ▲ 2.5% |
| Advances received on contracts in progress46 | - | - | - | €1,089 | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | - | €6,673 | €11,123 | €52,634 | €17,439 | ▼ 66.9% |
| Taxes450/3 | - | €6,673 | €11,123 | €52,634 | €17,439 | ▼ 66.9% |
| Other amounts payable47/48 | - | €304,395 | €193,529 | €221,510 | €224,253 | ▲ 1.2% |
| Accrued charges and deferred income492/3 | - | €74,159 | €47,569 | €38,055 | €29,852 | ▼ 21.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €196,121 | €181,579 | €171,807 | €171,346 | €152,460 | ▼ 11.0% |
| + Depreciation and write-downs630 | €10,440 | €10,475 | €12,006 | €14,628 | €22,304 | ▲ 52.5% |
| Operating cash flow (approximation) | €206,561 | €192,054 | €183,813 | €185,974 | €174,764 | ▼ 6.0% |
| Investment in fixed assets (approximation) | - | -€5,689 | -€784 | -€35,566 | -€1,017 | ▲ 97.1% |
| Change in cash | - | -€276,510 | €39,198 | €13,154 | -€72,026 | ▼ 648% |
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
Next filing, fiscal year 2026, expected by
2026
26-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
20-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
21-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-05
Financial
Highest result since 2019net €196,121 ▲62%
Operating result €254,238, net result €196,121, both a record.
2020
23-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
29-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
29-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
27-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Merchtem · 1 establishment unit since 2016
Ground area
896 m²
Building footprint
820 m²
Volume, LiDAR
5,239 m³
Parcel 23602H0692/00A000, Flanders · tallest building 13.2 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Marktstraat 2, 1785 Merchtem
since 20162.250.431.474
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23602H0692/00A000 | Flanders | 896 m² | 1 · 820 m² | 13.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Subsidies and aid
Flemish government
2024 · 1 entry · 2,880 EUR awarded · 2,880 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,880 EUR | 2,880 EUR |
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Of 24,721 companies in sector 64210 we hold annual accounts for 19,799. 7,471 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
Founded05-02-2016
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0647865671
Also
9925:BE0647865671
Registered
07-03-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.