4U Consultancy
ActiveSummary
The computed 12-month bankruptcy probability of 4U Consultancy is 1.8% (moderate). For 4U Consultancy, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €51,430 and a net result of €1,270. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 80% of 15224 sector peers (fiscal year 2023). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability71▼-22
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2023Solvency, return and age of the figures
Solvency
75.3%
Return on assets
1.9%
Age of the figures
33 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 9 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline30-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 29-08-2024, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
29 d late
2022
31 d late
2021
19 d late
2020
16 d late
2019
70 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 33 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
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Financials · fiscal year 2023, micro schema
Equity
€51,430▲ 2.5%
2022 · €50,160
Total assets
€68,292▲ 18.8%
2022 · €57,470
Net result
€1,270▼ 90.0%
2022 · €12,670
Working capital
€42,935▼ 14.4%
2022 · €50,160
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20192020202120222023
Operating result€9,904€12,535▲ 26.6%-€4,391€16,715€3,133▼ 81.3%
Net result€7,059€8,822within the sector's middle half▲ 25.0%-€4,688below the sector's middle half€12,670within the sector's middle half€1,270within the sector's middle half▼ 90.0%
Equity€53,355▲ 15.2%€42,178within the sector's middle half▼ 20.9%€37,490within the sector's middle half▼ 11.1%€50,160within the sector's middle half▲ 33.8%€51,430within the sector's middle half▲ 2.5%
Total assets€57,599▼ 4.3%€77,664within the sector's middle half▲ 34.8%€45,732below the sector's middle half▼ 41.1%€57,470below the sector's middle half▲ 25.7%€68,292within the sector's middle half▲ 18.8%
Debt€4,244▼ 69.4%€35,486▲ 736%€8,242▼ 76.8%€7,310▼ 11.3%€16,862▲ 131%
Working capital€51,334▲ 34.7%€41,678within the sector's middle half▼ 18.8%€37,490within the sector's middle half▼ 10.0%€50,160within the sector's middle half▲ 33.8%€42,935within the sector's middle half▼ 14.4%
Solvency92.6%▲ 15.7pp54.3%within the sector's middle half▼ 38.3pp82.0%above the sector's middle half▲ 27.7pp87.3%above the sector's middle half▲ 5.3pp75.3%above the sector's middle half▼ 12.0pp
Current ratio13.10▲ 9.172.17within the sector's middle half▼ 10.925.55above the sector's middle half▲ 3.377.86above the sector's middle half▲ 2.313.55above the sector's middle half▼ 4.32
Return on assets (ROA)12.3%▲ 15.3pp11.4%within the sector's middle half▼ 0.9pp-10.3%below the sector's middle half▼ 21.6pp22.0%above the sector's middle half▲ 32.3pp1.9%within the sector's middle half▼ 20.2pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2023; 2023 is 81% below 2022.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €68,292
Fixed assets
€8,495
Current assets
€59,797
Equity and liabilities €68,292
Equity
€51,430 ▲ 2.5%
Debt
€16,862 ▲ 131%
Debt's share of the balance-sheet total rises from 12.7% to 24.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€3,836
Cash flow
€1,973
Debt to equity
0.33▲
2022 · 0.15
ROE
2.5%▼
2022 · 25.3%
Interest coverage
7.38
Debt ≤ 1 year
€16,862▲
2022 · €7,310
Income taxes
€1,345▼
2022 · €3,909
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,522 | €1,522 | €500 | - | €703 | - |
| Other operating charges640/8 | - | - | €107 | €235 | €89 | ▼ 62.1% |
| Gross operating margin9900 | €11,855 | €14,330 | -€3,784 | €16,950 | €3,925 | ▼ 76.8% |
| Operating profit (loss)9901 | €9,904 | €12,535 | -€4,391 | €16,715 | €3,133 | ▼ 81.3% |
| Financial income75/76B | - | - | - | - | €2 | - |
| Recurring financial income75 | €0 | - | - | - | €2 | - |
| Non-recurring financial income76B | - | - | - | - | €2 | - |
| Financial charges65/66B | - | - | €130 | €136 | €520 | ▲ 282% |
| Recurring financial charges65 | €223 | €409 | €130 | €136 | €520 | ▲ 282% |
| Profit (loss) for the period before taxes9903 | €9,681 | €12,126 | -€4,521 | €16,579 | €2,615 | ▼ 84.2% |
| Income taxes67/77 | €2,622 | €3,304 | €167 | €3,909 | €1,345 | ▼ 65.6% |
| Profit (loss) for the period9904 | €7,059 | €8,822 | -€4,688 | €12,670 | €1,270 | ▼ 90.0% |
| Profit (loss) for the period to be appropriated9905 | €7,059 | €8,822 | -€4,688 | €12,670 | €1,270 | ▼ 90.0% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €57,599 | €77,664 | €45,732 | €57,470 | €68,292 | ▲ 18.8% |
| Fixed assets21/28 | €2,021 | €500 | - | - | €8,495 | - |
| Tangible fixed assets22/27 | €2,021 | €500 | - | - | €8,495 | - |
| Furniture and vehicles24 | - | - | - | - | €8,495 | - |
| Current assets29/58 | €55,578 | €77,164 | €45,732 | €57,470 | €59,797 | ▲ 4.0% |
| Stocks and contracts in progress3 | €300 | €300 | €300 | - | - | - |
| Stocks30/36 | - | - | €300 | - | - | - |
| Amounts receivable within one year40/41 | €49,870 | €57,365 | €34,880 | €49,069 | €53,866 | ▲ 9.8% |
| Trade receivables40 | - | - | - | €12,627 | €8,775 | ▼ 30.5% |
| Other amounts receivable41 | - | - | €34,880 | €36,442 | €45,091 | ▲ 23.7% |
| Cash at bank and in hand54/58 | €5,408 | €19,499 | €10,552 | €8,401 | €5,931 | ▼ 29.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €57,599 | €77,664 | €45,732 | €57,470 | €68,292 | ▲ 18.8% |
| Equity10/15 | €53,355 | €42,178 | €37,490 | €50,160 | €51,430 | ▲ 2.5% |
| Contributions10/11 | €18,600 | - | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | - | €1,860 | €1,860 | - | - |
| Other1319 | - | - | €1,860 | €1,860 | - | - |
| Distributable reserves133 | - | - | - | - | €1,860 | - |
| Profit (loss) carried forward14 | €32,895 | €21,718 | €17,030 | €29,700 | €30,970 | ▲ 4.3% |
| Amounts payable17/49 | €4,244 | €35,486 | €8,242 | €7,310 | €16,862 | ▲ 131% |
| Amounts payable within one year42/48 | €4,244 | €35,486 | €8,242 | €7,310 | €16,862 | ▲ 131% |
| Trade debts44 | €762 | €9,560 | €1,771 | €3,234 | €11,441 | ▲ 254% |
| Suppliers440/4 | - | - | €1,771 | €3,234 | €11,441 | ▲ 254% |
| Taxes, remuneration and social security45 | - | - | €6,471 | €4,076 | €5,421 | ▲ 33.0% |
| Taxes450/3 | - | - | €6,471 | €4,076 | €5,421 | ▲ 33.0% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,059 | €8,822 | -€4,688 | €12,670 | €1,270 | ▼ 90.0% |
| + Depreciation and write-downs630 | €1,522 | €1,522 | €500 | - | €703 | - |
| Operating cash flow (approximation) | €8,581 | €10,344 | -€4,188 | €12,670 | €1,973 | ▼ 84.4% |
| Investment in fixed assets (approximation) | - | -€1 | - | - | - | - |
| Change in cash | - | €14,091 | -€8,947 | -€2,151 | -€2,470 | ▼ 14.8% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €12,670
Net result €12,670 after one loss-making year.
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
31-12
Financial
Weakest financial yearnet -€4,688
Net result drops to -€4,688, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 5.55
Current ratio from 2.17 to 5.55; short-term debt falls from €35,486 to €8,242.
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
2020
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 70 days late
2019
31-12
Financial
Back to profitnet €7,059
Net result €7,059 after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 13.10
Current ratio from 3.93 to 13.10; short-term debt falls from €13,010 to €4,244.
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 16 days late
2016
18-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Oudergem · 1 establishment unit since 2015
Ground area
3,929 m²
Building footprint
1,150 m²
Volume, LiDAR
28,081 m³
Parcel 21332B0081/00H002, Brussels · tallest building 30.4 m, ±9 floors. Linked by address, not a title deed.
171
companies at this address
See who is registered here
1 establishment unit
4U Consultancy
since 20152.240.263.894
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21332B0081/00H002 | Brussels | 3,929 m² | 1 · 1,150 m² | 30.4 m · 9 fl. |
Linked by address, not proof of ownership
Good to know
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 4,414 companies in sector 46180 we hold annual accounts for 1,892. 1,360 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded11-03-2015
Fiscal year end31-12
Activities, NACEBEL 2025
46180Agents specialised in the wholesale of other particular products
46190Agents in non-specialised wholesale trade
46649Wholesale of other machinery and equipment
46900Non-specialised wholesale trade
82990Other business support services
E-invoicing
Not found in the Peppol register
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If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 30 September 2026 · Peppol Directory
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