2Z CONSULTING
Active2Z CONSULTING has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €153k and a net result of €49k. Equity is growing by ~35.1% per year across the filed fiscal years. Its solvency ranks better than 80% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 3.24 against 2.29 in 2024), and 17.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers 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
82.8%
Return on assets
26.5%
Age of the figures
18 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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
4 d early
2022
3 d late
2021
on the day
2020
33 d early
2019
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close16-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€153k▲ 22.5%
2024 · €125k
2019: €22k
2020: €34k
2021: €110k
2022: €118k
2023: €100k
2024: €125k
2019 → 2025
Total assets
€184k▲ 17.7%
2024 · €157k
2019: €64k
2020: €99k
2021: €160k
2022: €142k
2023: €123k
2024: €157k
2019 → 2025
Net result
€49k▲ 36.2%
2024 · €36k
2019: €24k
2020: €13k
2021: €76k
2022: €9k
2023: €-16k
2024: €36k
2019 → 2025
Working capital
€71k▲ 72.6%
2024 · €41k
2019: €19k
2020: €30k
2021: €109k
2022: €42k
2023: €25k
2024: €41k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€110k-€118k▲ 6.7%€100k▼ 14.6%€125k▲ 24.2%€153k▲ 22.5%
Operating result€109k-€18k▼ 83.9%€-14k€48k€65k▲ 35.6%
Net result€76k-€9k▼ 88.2%€-16k€36k€49k▲ 36.2%
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 36% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €184k
Fixed assets
€82k▼ 2.4%
Current assets
€103k▲ 40.7%
Equity and liabilities €184k
Equity
€153k▲ 22.5%
Debt
€32k▼ 0.9%
The debt ratio falls from 20.5% to 17.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€70k▲
2024 · €52k
Cash flow
€53k▲
2024 · €39k
Solvency
82.8%▲
2024 · 79.5%
Current ratio
3.24▲
2024 · 2.29
Quick ratio
3.24▲
2024 · 2.29
Debt / equity
0.21▼
2024 · 0.26
ROE
32.0%▲
2024 · 28.8%
ROA
26.5%▲
2024 · 22.9%
Interest coverage
26.50▲
2024 · 22.08
Debt
€32k▼
2024 · €32k
Debt ≤ 1 year
€32k▼
2024 · €32k
Income taxes
€14k▲
2024 · €10k
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€157k€184k▲
Fixed assets21/28€84k€82k▼
Tangible fixed assets22/27€9k€7k▼
Plant, machinery and equipment23€1k€1k▼
Furniture and vehicles24€7k€5k▼
Financial fixed assets28€75k€75k=
Current assets29/58€73k€103k▲
Amounts receivable within one year40/41€62k€31k▼
Trade receivables40€59k€25k▼
Other amounts receivable41€3k€6k▲
Cash at bank and in hand54/58€8k€68k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€157k€184k▲
Equity10/15€125k€153k▲
Contributions10/11€19k€19k=
Reserves13€106k€134k▲
Distributable reserves133€106k€134k▲
Amounts payable17/49€32k€32k▼
Amounts payable within one year42/48€32k€32k▼
Financial debts43€16-
Credit institutions430/8€16-
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€11k€14k▲
Taxes450/3€11k€14k▲
Other amounts payable47/48€18k€15k▼
Accrued charges and deferred income492/3€154-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€53k€71k▲
Operating profit (loss)9901€48k€65k▲
Financial income75/76B€2€0▼
Recurring financial income75€2€0▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€46k€63k▲
Income taxes67/77€10k€14k▲
Profit (loss) for the period9904€36k€49k▲
Profit (loss) for the period to be appropriated9905€36k€49k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€49k▲
Profit (loss) brought forward from the previous period14P€-16k-
Transfer from equity791/2€12k€21k▲
Transfer to equity691/2€20k€49k▲
To other reserves6921€20k€49k▲
Profit to be distributed694/7€12k€21k▲
Return on contributions (dividend)694€12k€21k▲
The notes to these accounts (6 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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Equity above €150kEq €153k ▲22.5%
2 profitable years in a row build equity to €153k.
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Back to profitnet €36k
Net result €36k after one loss-making year.
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Weakest financial yearnet €-16k ▼274%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2021
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Highest result since 2019net €76k ▲480%
Operating result €109k, net result €76k, both a record.
31-03
Financial
Liquidity doublescurrent ratio 3.24
Current ratio from 1.46 to 3.24; short-term debt falls from €65k to €49k.
31-03
Financial
Equity above €100kEq €110k ▲225%
3 profitable years in a row build equity to €110k.
2020
28-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
29-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
30-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Merelbeke-Melle · 1 establishment unit since 2013
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.
Kerselaarstraat 289820 Merelbeke-MelleGround area
864 m²
Building footprint
103 m²
Volume, LiDAR
532 m³
Parcel 44412C0159/00L000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
2Z Consulting
since 20132.222.794.095
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44412C0159/00L000 | Flanders | 864 m² | 1 · 103 m² | 8.0 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
2024 to 2025 · 2 entries · 1,523 EUR awarded · 1,523 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 585 EUR | 585 EUR |
| 2024 | 1 | 938 EUR | 938 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 40,644 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-08-2013
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
21201Manufacture of basic pharmaceutical products and pharmaceutical preparations
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.