K&V CONSULTANCY
ActiveK&V CONSULTANCY has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €628k and a net result of €8k. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 86% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability32▼-61
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 7.74 against 9.27 in 2024; short-term debt: 9.2% and cash: 0.7% of total assets), and 11.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
88.2%
Return on assets
1.1%
Age of the figures
15 mo
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 · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €628k
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 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
11 d late
2023
on the day
2022
28 d late
2021
24 d late
2020
26 d late
2019
on the day
← before the deadline
after the deadline →
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 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€628k▲ 1.2%
2024 · €620k
2019: €683k
2020: €705k
2021: €725k
2022: €748k
2023: €485k
2024: €620k
2019 → 2025
Total assets
€712k▲ 1.2%
2024 · €703k
2019: €822k
2020: €819k
2021: €760k
2022: €781k
2023: €587k
2024: €703k
2019 → 2025
Net result
€8k▼ 94.4%
2024 · €135k
2019: €7k
2020: €25k
2021: €23k
2022: €26k
2023: €32k
2024: €135k
2019 → 2025
Working capital
€441k▼ 0.7%
2024 · €444k
2019: €496k
2020: €507k
2021: €456k
2022: €481k
2023: €300k
2024: €444k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€725k-€748k▲ 3.2%€485k▼ 35.2%€620k▲ 27.8%€628k▲ 1.2%
Operating result€35k-€39k▲ 10.6%€53k▲ 35.2%€48k▼ 8.0%€6k▼ 88.4%
Net result€23k-€26k▲ 14.7%€32k▲ 21.9%€135k▲ 322%€8k▼ 94.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 88% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €712k
Fixed assets
€205k▼ 0.1%
Current assets
€507k▲ 1.7%
Equity and liabilities €712k
Equity
€628k▲ 1.2%
Debt
€84k▲ 1.0%
The debt ratio stays at 11.8%.
Key figures and ratios
EBITDA
€8k▼
2024 · €51k
Cash flow
€10k▼
2024 · €137k
Solvency
88.2%=
2024 · 88.2%
Current ratio
7.74▼
2024 · 9.27
Quick ratio
7.74▼
2024 · 9.27
Debt / equity
0.13▼
2024 · 0.13
ROE
1.2%▼
2024 · 21.7%
ROA
1.1%▼
2024 · 19.2%
Interest coverage
1.45▼
2024 · 20.72
Debt
€84k▲
2024 · €83k
Debt ≤ 1 year
€65k▲
2024 · €54k
Debt > 1 year
€11k▼
2024 · €21k
Income taxes
€7k▼
2024 · €29k
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€703k€712k▲
Fixed assets21/28€205k€205k▼
Tangible fixed assets22/27€5k€5k▼
Furniture and vehicles24€5k€5k▼
Financial fixed assets28€200k€200k=
Current assets29/58€498k€507k▲
Amounts receivable after more than one year29€171k€175k▲
Other amounts receivable291€171k€175k▲
Amounts receivable within one year40/41€292k€305k▲
Trade receivables40€19k€21k▲
Other amounts receivable41€274k€285k▲
Current investments50/53€23k€22k▼
Cash at bank and in hand54/58€10k€5k▼
Deferred charges and accrued income490/1€2k€0▼
Equity and liabilities
Total equity and liabilities10/49€703k€712k▲
Equity10/15€620k€628k▲
Contributions10/11€6k€6k=
Reserves13€614k€621k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€612k€620k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€83k€84k▲
Amounts payable after more than one year17€21k€11k▼
Financial debts170/4€21k€11k▼
Amounts payable within one year42/48€54k€65k▲
Current portion of amounts payable after more than one year42€10k€10k▲
Financial debts43€6k€23k▲
Other loans439€6k€23k▲
Trade debts44€4k€18k▲
Suppliers440/4€4k€18k▲
Taxes, remuneration and social security45€34k€14k▼
Taxes450/3€34k€14k▼
Accrued charges and deferred income492/3€9k€8k▼
Income statement
Code20242025
Non-recurring operating income76A-€769
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€4k€1k▼
Non-recurring operating charges66A-€460
Gross operating margin9900€55k€9k▼
Operating profit (loss)9901€48k€6k▼
Financial income75/76B€117k€14k▼
Recurring financial income75€11k€13k▲
Non-recurring financial income76B€106k€886▼
Financial charges65/66B€2k€5k▲
Recurring financial charges65€2k€5k▲
Profit (loss) for the period before taxes9903€163k€14k▼
Income taxes67/77€29k€7k▼
Profit (loss) for the period9904€135k€8k▼
Profit (loss) for the period to be appropriated9905€135k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€135k€8k▼
Transfer from equity791/2€0-
Transfer to equity691/2€135k€8k▼
To other reserves6921€135k€8k▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
2024
30-06
Financial
Highest result since 2019net €135k ▲322%
Net result €135k, the highest in the series.
30-06
Financial
Equity above €500kEq €620k ▲27.8%
6 profitable years in a row build equity to €620k.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
24-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
26-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
20-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
19-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 19 days late
2017
22-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 22 days late
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, Laakdal · 1 establishment unit since 2011
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.
Houthoek 332430 LaakdalGround area
1,029 m²
Building footprint
229 m²
Volume, LiDAR
1,052 m³
Parcel 13045A0780/00N000, Flanders · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
K&V CONSULTANCY
since 20112.196.166.013
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13045A0780/00N000 | Flanders | 1,029 m² | 1 · 229 m² | 6.4 m · 2 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.
Similar companies · same sector, comparable size
UTICA Consulting
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ROBERTSON ASSOCIATES
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Maebe & Co Verzekeringen
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ROKUFIN
BE 0816.761.279
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STRUYF
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 32,645 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded27-01-2011
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
77210Renting and leasing of sports and recreation goods
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.