TVB Consulting
ActiveTVB Consulting has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €162k and a net result of €11k. Equity is growing by ~18.6% per year across the filed fiscal years. Its solvency ranks better than 23% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability35▲+5
Solvency17▼-52
Growth52=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity short (current ratio 0.67 against 2.02 in 2024), and 80% 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+raises 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
20%
Return on assets
1.4%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 31527 sector peers (2025).
NBB · sector comparisonPosition among 31527 sector peers
Solvency
better than 23%
← weakest
strongest →
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 14-07-2026, 17 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
17 d early
2024
on the day
2023
8 d early
2022
28 d early
2021
8 d late
2020
30 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€162k▼ 37.4%
2024 · €259k
2020: €68k
2021: €156k
2022: €299k
2023: €244k
2024: €259k
2020 → 2025
Total assets
€811k▼ 5.7%
2024 · €860k
2020: €87k
2021: €436k
2022: €576k
2023: €990k
2024: €860k
2020 → 2025
Net result
€11k▼ 28.1%
2024 · €16k
2020: €65k
2021: €88k
2022: €144k
2023: €53k
2024: €16k
2020 → 2025
Working capital
€-40k
2024 · €50k
2020: €40k
2021: €29k
2022: €163k
2023: €48k
2024: €50k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€156k-€299k▲ 92.3%€244k▼ 18.5%€259k▲ 6.4%€162k▼ 37.4%
Operating result€60k-€130k▲ 117%€29k▼ 77.7%€23k▼ 20.6%€11k▼ 51.1%
Net result€88k-€144k▲ 63.5%€53k▼ 62.8%€16k▼ 70.8%€11k▼ 28.1%
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 three years in a row; 2025 is 51% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €811k
Fixed assets
€728k▼ 4.3%
Current assets
€83k▼ 16.8%
Equity and liabilities €811k
Equity
€162k▼ 37.4%
Debt
€649k▲ 7.9%
The debt ratio rises from 69.9% to 80.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€56k▼
2024 · €68k
Cash flow
€56k▼
2024 · €61k
Solvency
20.0%▼
2024 · 30.1%
Current ratio
0.67▼
2024 · 2.02
Quick ratio
0.67▼
2024 · 2.02
Debt / equity
3.99▲
2024 · 2.32
ROE
6.9%▲
2024 · 6.0%
ROA
1.4%▼
2024 · 1.8%
Interest coverage
3.43▼
2024 · 4.06
Debt
€649k▲
2024 · €601k
Debt ≤ 1 year
€124k▲
2024 · €50k
Debt > 1 year
€525k▼
2024 · €551k
Income taxes
€1k▼
2024 · €4k
Staff costs
€0▼
2024 · €540
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€860k€811k▼
Fixed assets21/28€760k€728k▼
Tangible fixed assets22/27€716k€684k▼
Land and buildings22€4k€3k▼
Furniture and vehicles24-€7k
Other tangible fixed assets26€713k€674k▼
Financial fixed assets28€44k€44k▲
Current assets29/58€100k€83k▼
Amounts receivable after more than one year29€44k€47k▲
Other amounts receivable291€44k€47k▲
Amounts receivable within one year40/41€25k€11k▼
Trade receivables40€417€359▼
Other amounts receivable41€25k€11k▼
Cash at bank and in hand54/58€25k€18k▼
Deferred charges and accrued income490/1€5k€7k▲
Equity and liabilities
Total equity and liabilities10/49€860k€811k▼
Equity10/15€259k€162k▼
Contributions10/11€3k€3k=
Reserves13€257k€160k▼
Distributable reserves133€257k€160k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€601k€649k▲
Amounts payable after more than one year17€551k€525k▼
Financial debts170/4€551k€525k▼
Amounts payable within one year42/48€50k€124k▲
Current portion of amounts payable after more than one year42€26k€26k▲
Financial debts43-€139
Credit institutions430/8-€139
Trade debts44€18k€28k▲
Suppliers440/4€18k€28k▲
Advances received on contracts in progress46-€1k
Taxes, remuneration and social security45€6k€23k▲
Taxes450/3€6k€23k▲
Other amounts payable47/48-€44k
Income statement
Code20242025
Remuneration, social security and pensions62€540€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€45k▼
Other operating charges640/8€4k€5k▲
Non-recurring operating charges66A€338-
Gross operating margin9900€73k€61k▼
Operating profit (loss)9901€23k€11k▼
Financial income75/76B€13k€17k▲
Recurring financial income75€13k€17k▲
Financial charges65/66B€17k€16k▼
Recurring financial charges65€17k€16k▼
Profit (loss) for the period before taxes9903€19k€12k▼
Income taxes67/77€4k€1k▼
Profit (loss) for the period9904€16k€11k▼
Profit (loss) for the period to be appropriated9905€16k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€11k▼
Transfer from equity791/2-€108k
Transfer to equity691/2€16k€11k▼
To other reserves6921€16k€11k▼
Profit to be distributed694/7-€108k
Return on contributions (dividend)694-€108k
The notes to these accounts (10 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €11k ▼28.1%
Net result drops to €11k, the lowest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €144k ▲63.5%
Operating result €130k, net result €144k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 5.61
Current ratio from 1.81 to 5.61; short-term debt falls from €36k to €35k.
31-12
Financial
Equity above €200kEq €299k ▲92.3%
3 profitable years in a row build equity to €299k.
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 8 days late
2021
31-12
Financial
Equity above €150kEq €156k ▲130%
2 profitable years in a row build equity to €156k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Bonheiden · 1 establishment unit since 2019
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.
Weynesbaan 872820 BonheidenGround area
1,540 m²
Building footprint
189 m²
Volume, LiDAR
1,045 m³
Parcel 12031A0313/00A003, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TVB Consulting
since 20192.294.351.589
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12031A0313/00A003 | Flanders | 1,540 m² | 1 · 189 m² | 6.5 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 356 EUR awarded · 356 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 105 EUR | 105 EUR |
| 2022 | 1 | 251 EUR | 251 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 40,591 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-10-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.