CDF CONSULT Architectes
ActiveCDF CONSULT Architectes has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €155k and a net result of €46k. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 86% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
98
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 8.12 against 11.05 in 2024; short-term debt: 12.2% and cash: 86.6% of total assets), and 12.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 →
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
87.8%
Return on assets
26.3%
Age of the figures
9 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
1819202122232425
2018 to 2025 · latest year €155k
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 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
38 d early
2023
50 d early
2022
33 d early
2021
59 d early
2020
2 d early
2019
39 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€155k▲ 15.4%
2024 · €134k
2018: €122k
2019: €147k
2020: €138k
2021: €113k
2022: €117k
2023: €125k
2024: €134k
2018 → 2025
Total assets
€176k▲ 19.7%
2024 · €147k
2018: €200k
2019: €306k
2020: €318k
2021: €155k
2022: €138k
2023: €141k
2024: €147k
2018 → 2025
Net result
€46k▲ 19.0%
2024 · €39k
2018: €55k
2019: €26k
2020: €30k
2021: €42k
2022: €19k
2023: €19k
2024: €39k
2018 → 2025
Working capital
€153k▲ 15.9%
2024 · €132k
2018: €149k
2019: €159k
2020: €135k
2021: €111k
2022: €116k
2023: €124k
2024: €132k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€113k-€117k▲ 3.5%€125k▲ 6.8%€134k▲ 7.2%€155k▲ 15.4%
Operating result€60k-€28k▼ 53.8%€26k▼ 6.8%€54k▲ 111%€66k▲ 20.9%
Net result€42k-€19k▼ 54.9%€19k▲ 0.1%€39k▲ 106%€46k▲ 19.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €176k
Fixed assets
€2k▼ 14.9%
Current assets
€174k▲ 20.3%
Equity and liabilities €176k
Equity
€155k▲ 15.4%
Debt
€21k▲ 63.7%
The debt ratio rises from 8.9% to 12.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€66k▲
2024 · €55k
Cash flow
€47k▲
2024 · €39k
Solvency
87.8%▼
2024 · 91.1%
Current ratio
8.12▼
2024 · 11.05
Quick ratio
8.12▼
2024 · 11.05
Debt / equity
0.14▲
2024 · 0.10
ROE
30.0%▲
2024 · 29.1%
ROA
26.3%▼
2024 · 26.5%
Interest coverage
26.34▲
2024 · 19.22
Debt
€21k▲
2024 · €13k
Debt ≤ 1 year
€21k▲
2024 · €13k
Income taxes
€18k▲
2024 · €16k
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€147k€176k▲
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€1k▼
Plant, machinery and equipment23€2k€1k▼
Financial fixed assets28€920€920=
Current assets29/58€145k€174k▲
Amounts receivable within one year40/41€19k€16k▼
Trade receivables40€17k€14k▼
Other amounts receivable41€3k€1k▼
Current investments50/53€40k-
Cash at bank and in hand54/58€83k€153k▲
Deferred charges and accrued income490/1€3k€6k▲
Equity and liabilities
Total equity and liabilities10/49€147k€176k▲
Equity10/15€134k€155k▲
Contributions10/11€6k€6k=
Reserves13€128k€149k▲
Distributable reserves133€128k€149k▲
Amounts payable17/49€13k€21k▲
Amounts payable within one year42/48€13k€21k▲
Trade debts44€1k€10k▲
Suppliers440/4€1k€10k▲
Taxes, remuneration and social security45€12k€9k▼
Taxes450/3€12k€9k▼
Other amounts payable47/48-€3k
Income statement
Code20242025
Non-recurring operating income76A€5k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€293€365▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€56k€67k▲
Operating profit (loss)9901€54k€66k▲
Financial income75/76B€4k€2k▼
Recurring financial income75€4k€2k▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€55k€65k▲
Income taxes67/77€16k€18k▲
Profit (loss) for the period9904€39k€46k▲
Profit (loss) for the period to be appropriated9905€39k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€39k€46k▲
Transfer from equity791/2€30k€26k▼
Transfer to equity691/2€39k€46k▲
To other reserves6921€39k€46k▲
Profit to be distributed694/7€30k€26k▼
Return on contributions (dividend)694€30k€26k▼
The notes to these accounts (5 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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150kEq €155k ▲15.4%
8 profitable years in a row build equity to €155k.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €19k ▼54.9%
Net result drops to €19k, the lowest in the series; recovery starts the following year.
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 3.64
Current ratio from 1.75 to 3.64; short-term debt falls from €179k to €42k.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 10 days late
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Namur · 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.
Avenue du Petit Sart(JB) 1235100 NamurGround area
1,556 m²
Building footprint
214 m²
Volume, LiDAR
808 m³
Parcel 92322D0366/00D005, Wallonia · tallest building 6.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CDF CONSULT
since 20112.199.525.874
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92322D0366/00D005 | Wallonia | 1,556 m² | 1 · 214 m² | 6.0 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.
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 40,761 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-04-2011
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.