Equity
€417,267 ▲ 21.4%
13-03 has made a profit in every financial year since 2020.
13-03
Lifetime
6 annual accounts with figures on one time axispeak €155,179 (2022)
€142,361▲ 32.1%
peak €113,392 (2022)
€73,618▲ 38.7%
peak €417,267 (2025)
€417,267▲ 21.4%
€278,184▼ 13.2%
Board1 name since 2018
1 directorSEGERS Olivier Michel
Documentsfilings and deeds
14-04-2026108 days before the deadline
2025micro format
Gross margin from €107,747 to €142,361Result from €53,084 to €73,618Equity from €343,649 to €417,267Cash from €6,425 to €52,860
Key points
from the 2025 annual accountsChecked score
91
Excellent
Financially stronger than 56% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024lowest value
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.3%▲ +0.2 percentage points vs 07-2025
09-2025: 0.1%▼ -0.2 percentage points vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.4%▲ +0.3 percentage points vs 03-2026highest value
05-2026: 0.2%▼ -0.2 percentage points vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.2%● unchanged vs 07-2026
09-2026: 0.2%● unchanged vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
1 change of registered office in 24 months
lowers risk
Size: total assets €695,451
Figures for financial year 2025 (filed on 16-04-2026)
Sector: Activities of head offices; management consultancy activities (NACE 70)
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 70, micro). It does better than 55% of them on solvency, 51% on liquidity, 49% on profitability and 68% 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 31-12-2025.
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, 6,782 companies had the same profile as 13-03 has now. Each dot stands for 17 companies, two years later.
96.7%
were still trading
2.7%
stopped another way
0.6%
went bankrupt
That fits the bankruptcy probability of 13-03 itself: 0.2% 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 6,782 companies, not a prediction for 13-03. 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 €35,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.96 (0.67 in 2024), above the usual 1.5. Short-term debt is 7.2% and cash 7.6% of total assets. 40% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 14-04-2026, 108 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
108 days early
2024
20 days late
2023
47 days early
2022
28 days late
2021
9 days early
2020
41 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 26 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 22 July (4 of the last 5 accounts filed within 37 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered-office move
Board meeting of 26-02-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0699765423
Capital increase of €6,200 to €18,600
Capital from €12,400 to €18,600 · Gazette deed
Change of role: SEGERS Olivier Michel, from manager to director
“Het verlenen van bijstand, advies en leiding aan bedrijven, privé-personen en instellingen, voornamelijk doch…” (deed in Dutch) · Director discharge: SEGERS Olivier Michel (manager) · General meeting of 18-06-2021 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| 13-03 Antwerp | €695,451 | €142,361 | 60.0% | - |
| ECHOLIMA Antwerp | €577,913 | €148,594 | 96.7% | - |
| HUNT AND PECK ASSOCIATES Kasterlee | €654,148 | €149,886 | 18.2% | - |
| HEM360 Mechelen | €661,870 | €145,858 | 95.4% | - |
| MDV Horizons Antwerp | €682,846 | €132,724 | 56.7% | - |
| HET VASTELAND Antwerp | €757,970 | €148,100 | 54.8% | - |
| Livendo Mechelen | €657,066 | €147,388 | 95.4% | - |
These companies have the same main activity as 13-03: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €578,000 and €758,000, founded between 2017 and 2018.
Official details
Source: KBO- Status
- Active since 09-07-2018Normal situation
- Activity
- Business and other management consultancyNACE 70200and 4 others
- Establishment unit
- 2.305.095.6272600 Antwerp, since 09-07-2018
- Financial year end
- 31 December
- Peppol
- Reachable since 24-11-2023
Annual accounts 2025
- ≈ €240,000estimated
- €695,451▲ 4.7%
- ≈ 0.2 FTEestimated
- Filing
- Filed on 14-04-2026, 108 days before the end of the filing period
Insights on 13-03
13-03 files the micro format. That format states no turnover. The gross margin rose from €37,712 in 2020 to €142,361 in 2025.
The balance sheet grew most from 2021 to 2023 through fixed assets.
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 13-03
- What is the company number of 13-03?
- The company number of 13-03 is 0699.765.423. The VAT number is the same number with BE in front: BE 0699.765.423.
- Where is 13-03 based?
- The registered office is at Jozef Wautersstraat 8, 2600 Antwerp.Company details
- What does 13-03 do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of 13-03?
- 13-03 is a private limited company (BV).
- When was 13-03 founded?
- 13-03 was founded on 09-07-2018.
- Is 13-03 still active?
- Yes, 13-03 is an active enterprise in the KBO register.
- What is the turnover of 13-03?
- The turnover in financial year 2025 is ≈ €240,000. This figure is estimated from the gross margin of €142,361 and 109 comparable companies (NACE 70200). It probably lies between €200,000 and €290,000.Financials
- Is 13-03 profitable?
- In financial year 2025, 13-03 made a profit of €73,618.
- Where can I find the annual accounts of 13-03?
- 13-03 filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of 13-03 due?
- 13-03 must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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