Equity
€11,308 from €93,633 in 2018
Equity fell by 88% in 7 years.
CL Conseil
Lifetime
19 annual accounts with figures on one time axispeak €116,977 (2022)
€11,275▲ 71.4%
lowest -€105,816 (2019)
€2,931▲ €11,082
peak €93,633 (2018)
€11,308▲ 35.0%
€9,364▲ 21.5%
Board1 name since 2021
1 directorLAFOSSE Cédric
Documentsfilings and deeds
30-04-2026on the last day
2025micro format
Gross margin from €6,578 to €11,275Back to profit: €2,931Equity from €8,377 to €11,308Debts from €7,709 to €9,364Cash from €20,475 to €36,510
Key points
from the 2025 annual accountsTurnover
≈ €150,000 estimated
The micro format states no turnover.
Position in the sector
€11,308
Less equity than 82% of companies in specialised construction. Sector median €57,691 · 35,148 companies.
Checked score
94
Excellent
Financially stronger than 60% of micro companies in specialised construction (NACE 43)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.3%▲ +0.1 percentage points vs 04-2025
06-2025: 0.6%▲ +0.3 percentage points vs 05-2025
07-2025: 0.6%● unchanged vs 06-2025
08-2025: 0.6%● unchanged vs 07-2025
09-2025: 0.6%● unchanged vs 08-2025
10-2025: 0.6%● unchanged vs 09-2025
11-2025: 0.6%● unchanged vs 10-2025
12-2025: 0.6%● unchanged vs 11-2025
01-2026: 0.7%▲ +0.1 percentage points vs 12-2025
02-2026: 0.7%● unchanged vs 01-2026
03-2026: 0.6%▼ -0.1 percentage points vs 02-2026
04-2026: 0.7%▲ +0.1 percentage points vs 03-2026
05-2026: 1.0%▲ +0.3 percentage points vs 04-2026highest value
06-2026: 0.1%▼ -0.9 percentage points vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Sector: Specialised construction activities (NACE 43)
Equity €11,308 (20.3% of total assets)
lowers risk
Liquidity: current ratio 6.14, cash €36,510
Founded in 2006
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 22% of them on solvency, 93% on liquidity, 50% on profitability and 77% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 3,818 companies had the same profile as CL Conseil has now. Each dot stands for 10 companies, two years later.
95.1%
were still trading
3.7%
stopped another way
1.0%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of CL Conseil itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,818 companies, not a prediction for CL Conseil. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 6.14 (5.86 in 2024), above the usual 1.5. Short-term debt is 16.1% and cash 65.5% of total assets. However, 79.7% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 35136 sector peers (2025).
NBB · sector comparisonPosition among 35136 sector peers
Solvency
better than 22%
← weakest
strongest →
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 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
1 day early
2023
138 days early
2022
6 days early
2021
94 days late
2020
36 days early
2019
3 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 13 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 29 April (4 of the last 5 accounts filed within 95 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end10-11-2026 today30-04-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0882326747
Resignation: LAFOSSE Cédric (manager)
Reappointment: LAFOSSE Cédric (director) · General meeting of 02-06-2023 · Gazette deed
First establishment
Rue Joseph Francis 34 A, Wavre
Incorporation
published on 14-07-2006 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CL Conseil Wavre | €55,727 | €11,275 | 20.3% | - |
| PRO-BATIM Orp-Jauche | €55,306 | €11,087 | 3.1% | - |
| PROCO &CO Tubize | €47,068 | €11,046 | 26.5% | - |
| WORK@HOME Buggenhout | €53,476 | €13,396 | -55.6% | - |
| BAGUETTE Corneille Thimister-Clermont | €61,125 | €10,062 | 56.5% | - |
| AQUA66 Nazareth-De Pinte | €48,968 | €11,930 | 61.2% | - |
| MARIN CONSTRUCT Aalst | €46,626 | €10,731 | 87.9% | - |
These companies have the same main activity as CL Conseil: other specialised construction activities (NACE 43990). They are comparable in size and age: total assets between €46,600 and €61,100, founded between 2005 and 2008.
Official details
Source: KBO- Status
- Active since 05-07-2006Normal situation
- Activity
- Other specialised construction activitiesNACE 43990and 2 others
- Establishment unit
- 2.157.642.7591301 Wavre, since 29-11-2006
- Financial year end
- 30 September
- Peppol
- Reachable since 17-12-2025
Annual accounts to 30-09-2025
- €55,727▲ 9.0%
- Filing
- Filed on 30-04-2026, on the last day of the filing period
Insights on CL Conseil
CL Conseil files the micro format. That format states no turnover. The gross margin rose from -€3,047 in 2007 to €11,275 in 2025.
The balance sheet grew most from 2008 to 2009 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CL Conseil
- What is the company number of CL Conseil?
- The company number of CL Conseil is 0882.326.747. The VAT number is the same number with BE in front: BE 0882.326.747.
- Where is CL Conseil based?
- The registered office is at Rue Joseph Francis 34A, 1301 Wavre.Company details
- What does CL Conseil do?
- According to the KBO register, the main activity is other specialised construction activities (NACE 43990).
- What is the legal form of CL Conseil?
- CL Conseil is a private limited company (BV).
- When was CL Conseil founded?
- CL Conseil was founded on 05-07-2006.
- Is CL Conseil still active?
- Yes, CL Conseil is an active enterprise in the KBO register.
- What is the turnover of CL Conseil?
- The turnover in financial year 2025 is ≈ €150,000. This figure is estimated from the gross margin of €11,275 and 201 comparable companies (NACE 43990). It probably lies between €82,000 and €290,000. It is a rough estimate.Financials
- Is CL Conseil profitable?
- In financial year 2025, CL Conseil made a profit of €2,931.
- Where can I find the annual accounts of CL Conseil?
- CL Conseil filed 19 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CL Conseil due?
- CL Conseil must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
See how customers, suppliers and banks see your own company and what to improve first.