KvdKONSULTING 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 €673k and a net result of €74k. Equity is growing by ~15.9% per year across the filed fiscal years. Its solvency ranks better than 94% of 5523 sector peers (fiscal year 2025). The company has been active since 2006 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 30-09-2025 was due by 30-04-2026 and was filed on 03-04-2026, 27 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
27 d early
2024
33 d early
2023
33 d early
2022
37 d early
2021
30 d early
2020
43 d early
2019
34 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€673k▲ 12.4%
2024 · €599k
2018: €237k
2019: €298k
2020: €368k
2021: €369k
2022: €436k
2023: €510k
2024: €599k
2018 → 2025
Net result
€74k▼ 16.2%
2024 · €88k
2018: €38k
2019: €60k
2020: €70k
2021: €64k
2022: €67k
2023: €74k
2024: €88k
2018 → 2025
Total assets
€686k▲ 11.8%
2024 · €613k
2018: €250k
2019: €312k
2020: €382k
2021: €383k
2022: €452k
2023: €523k
2024: €613k
2018 → 2025
Solvency
98.1%▲ 0.5pp
2024 · 97.6%
2018: 95.0%
2019: 95.3%
2020: 96.3%
2021: 96.4%
2022: 96.3%
2023: 97.5%
2024: 97.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€369k-€436k▲ 18.1%€510k▲ 17.1%€599k▲ 17.3%€673k▲ 12.4%
Operating result€88k-€95k▲ 7.8%€101k▲ 7.2%€113k▲ 11.1%€85k▼ 24.7%
Net result€64k-€67k▲ 4.7%€74k▲ 11.5%€88k▲ 18.8%€74k▼ 16.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 25% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €686k
Fixed assets
€5k▲ 219%
Current assets
€680k▲ 11.3%
Equity and liabilities €686k
Equity
€673k▲ 12.4%
Debt
€13k▼ 9.9%
The debt ratio falls from 2.4% to 1.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
98.1%▲
2024 · 97.6%
ROE
11.0%▼
2024 · 14.8%
ROA
10.8%▼
2024 · 14.4%
Debt
€13k▼
2024 · €15k
Debt ≤ 1 year
€13k▼
2024 · €14k
Income taxes
€29k▼
2024 · €39k
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€613k€686k▲
Fixed assets21/28€2k€5k▲
Tangible fixed assets22/27€2k€5k▲
Furniture and vehicles24€2k€5k▲
Current assets29/58€611k€680k▲
Amounts receivable within one year40/41€21k€76k▲
Trade receivables40€21k€15k▼
Other amounts receivable41-€61k
Current investments50/53€566k€588k▲
Cash at bank and in hand54/58€24k€17k▼
Deferred charges and accrued income490/1€92€98▲
Equity and liabilities
Total equity and liabilities10/49€613k€686k▲
Equity10/15€599k€673k▲
Contributions10/11€12k€12k=
Reserves13€586k€660k▲
Non-distributable reserves130/1€8k€8k=
Reserves not available under the articles1311€8k€8k=
Distributable reserves133€578k€652k▲
Amounts payable17/49€15k€13k▼
Amounts payable within one year42/48€14k€13k▼
Trade debts44€848€224▼
Suppliers440/4€848€224▼
Taxes, remuneration and social security45€12k€12k▼
Taxes450/3€10k€9k▼
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€761€861▲
Accrued charges and deferred income492/3€539€552▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€1k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€126k€87k▼
Operating profit (loss)9901€113k€85k▼
Financial income75/76B€15k€18k▲
Recurring financial income75€15k€18k▲
Financial charges65/66B€408€345▼
Recurring financial charges65€197€170▼
Non-recurring financial charges66B€211€175▼
Profit (loss) for the period before taxes9903€127k€103k▼
Income taxes67/77€39k€29k▼
Profit (loss) for the period9904€88k€74k▼
Transfer from tax-exempt reserves789€648-
Profit (loss) for the period to be appropriated9905€89k€74k▼
Appropriation of the result
Profit (loss) to be appropriated9906€89k€74k▼
Transfer to equity691/2€89k€74k▼
To other reserves6921€89k€74k▼
The notes to these accounts (7 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
03-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Highest result since 2018net €88k ▲18.8%
Operating result €113k, net result €88k, both a record.
28-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Equity above €500kEq €510k ▲17.1%
6 profitable years in a row build equity to €510k.
24-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
18-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
27-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
20-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-04
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, Poperinge · 1 establishment unit since 2006
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.
Sint-Bertinusstraat 828970 PoperingeGround area
985 m²
Building footprint
208 m²
Volume, LiDAR
905 m³
Parcel 33312B0763/00X000, Flanders · tallest building 7.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
KvdCONSULTING
since 20062.157.744.115
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33312B0763/00X000 | Flanders | 985 m² | 1 · 208 m² | 7.7 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
2025 · 1 entry · 147 EUR awarded · 147 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 147 EUR | 147 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
967600OEYH54SS1EVO33
Similar companies · same sector, comparable size
SEACOL
BE 0831.166.472
De Panne · Eq €673k
SOCADO
BE 0477.928.896
Zonhoven · Eq €673k
Leuven Pharma Services
BE 0643.870.855
Leuven · Eq €672k
SBQ Invest
BE 0650.761.221
Lint · Eq €672k
EUFIPAR
BE 0456.375.102
Elsene · Eq €672k
Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,360 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-11-2006
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.