5Consult
ActiveSummary
5Consult has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8,778 and a net result of -€7,654. Equity is shrinking by ~15.9% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 26% of 17179 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability37▼-58
Solvency52▼-1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.7 against 0.77 in 2024; short-term debt: 71.1% and cash: 16.8% of total assets), and 72.5% of the assets are financed with debt.
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Signals
Four 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
27.5%
Return on assets
-23.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 10 filingsDeviation from the deadline
2025
25 d late
2024
22 d late
2023
13 d late
2022
31 d early
2021
142 d late
2020
208 d late
2019
179 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 80 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Financials · fiscal year 2025, micro schema
Equity
€8,778▼ 51.5%
2024 · €18,098
Total assets
€31,971▼ 50.9%
2024 · €65,101
Net result
-€7,654
2024 · €13,616
Working capital
-€6,764▲ 38.7%
2024 · -€11,028
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€8,661-€9,549▼ 10.3%€9,861€24,691▲ 150%-€5,398
Net result-€10,093-€11,222▼ 11.2%€4,283€13,616▲ 218%-€7,654
Equity€32,045▼ 24.0%€20,823▼ 35.0%€23,440▲ 12.6%€18,098▼ 22.8%€8,778▼ 51.5%
Total assets€93,182▲ 29.2%€86,068▼ 7.6%€65,292▼ 24.1%€65,101▼ 0.3%€31,971▼ 50.9%
Debt€61,137▲ 104%€65,245▲ 6.7%€41,852▼ 35.9%€47,003▲ 12.3%€23,193▼ 50.7%
Working capital-€2,846-€25,298▼ 789%-€14,970▲ 40.8%-€11,028▲ 26.3%-€6,764▲ 38.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5,398 after €24,691 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €31,971
Fixed assets
€16,016 ▼ 45.0%
Current assets
€15,955 ▼ 55.6%
Equity and liabilities €31,971
Equity
€8,778 ▼ 51.5%
Debt
€23,193 ▼ 50.7%
Debt's share of the balance-sheet total rises from 72.2% to 72.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€7,712▼
2024 · €37,790
Cash flow
€5,457▼
2024 · €26,716
Current ratio
0.70▼
2024 · 0.77
Debt to equity
2.64▲
2024 · 2.60
ROE
-87.2%▼
2024 · 75.2%
ROA
-23.9%▼
2024 · 20.9%
Interest coverage
4.39▼
2024 · 37.18
Debt ≤ 1 year
€22,719▼
2024 · €47,003
Income taxes
€727▼
2024 · €10,065
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,295 companies that looked in July 2024 the way this one looks now, 3.6% went bankrupt within 24 months and 89% are still going.
- Micro
- 10 to 20 years old
- solvency 10 to 30%
- a loss of 10% of the balance sheet or more
3.6%
went bankrupt
5.9%
stopped otherwise
89%
still going
A further 1.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,295 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,782 | €14,109 | €14,048 | €13,100 | €13,110 | ▲ 0.1% |
| Other operating charges640/8 | €1,734 | €904 | €1,523 | €1,559 | €796 | ▼ 48.9% |
| Non-recurring operating charges66A | €1,171 | €2,480 | €869 | €2,293 | €58 | ▼ 97.5% |
| Gross operating margin9900 | €6,025 | €7,944 | €26,301 | €41,642 | €8,566 | ▼ 79.4% |
| Operating profit (loss)9901 | -€8,661 | -€9,549 | €9,861 | €24,691 | -€5,398 | ▼ 122% |
| Financial income75/76B | €0 | €1 | €1 | €6 | €230 | ▲ 3,529% |
| Recurring financial income75 | €0 | €1 | €1 | €6 | €230 | ▲ 3,529% |
| Financial charges65/66B | €657 | €866 | €1,323 | €1,017 | €1,758 | ▲ 73.0% |
| Recurring financial charges65 | €657 | €866 | €1,323 | €1,017 | €1,758 | ▲ 73.0% |
| Profit (loss) for the period before taxes9903 | -€9,318 | -€10,413 | €8,539 | €23,680 | -€6,927 | ▼ 129% |
| Income taxes67/77 | €775 | €809 | €4,256 | €10,065 | €727 | ▼ 92.8% |
| Profit (loss) for the period9904 | -€10,093 | -€11,222 | €4,283 | €13,616 | -€7,654 | ▼ 156% |
| Profit (loss) for the period to be appropriated9905 | -€10,093 | -€11,222 | €4,283 | €13,616 | -€7,654 | ▼ 156% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €93,182 | €86,068 | €65,292 | €65,101 | €31,971 | ▼ 50.9% |
| Formation expenses20 | - | - | €0 | €0 | €0 | - |
| Fixed assets21/28 | €51,407 | €49,435 | €38,818 | €29,126 | €16,016 | ▼ 45.0% |
| Intangible fixed assets21 | €12,217 | €11,207 | €7,374 | €4,866 | €2,359 | ▼ 51.5% |
| Tangible fixed assets22/27 | €38,112 | €37,150 | €30,365 | €23,182 | €12,579 | ▼ 45.7% |
| Furniture and vehicles24 | €38,112 | €33,954 | €27,519 | €17,629 | €7,949 | ▼ 54.9% |
| Other tangible fixed assets26 | - | €3,196 | €2,846 | €5,553 | €4,630 | ▼ 16.6% |
| Financial fixed assets28 | €1,078 | €1,078 | €1,078 | €1,078 | €1,078 | = |
| Current assets29/58 | €41,775 | €36,633 | €26,474 | €35,975 | €15,955 | ▼ 55.6% |
| Amounts receivable within one year40/41 | €24,040 | €11,043 | €9,474 | €22,911 | €7,513 | ▼ 67.2% |
| Trade receivables40 | €24,030 | €11,043 | €9,406 | €22,911 | €3,164 | ▼ 86.2% |
| Other amounts receivable41 | €10 | - | €68 | - | €4,349 | - |
| Cash at bank and in hand54/58 | €17,542 | €24,643 | €12,610 | €10,402 | €5,373 | ▼ 48.3% |
| Deferred charges and accrued income490/1 | €193 | €947 | €4,390 | €2,661 | €3,069 | ▲ 15.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €93,182 | €86,068 | €65,292 | €65,101 | €31,971 | ▼ 50.9% |
| Equity10/15 | €32,045 | €20,823 | €23,440 | €18,098 | €8,778 | ▼ 51.5% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €21,860 | €11,860 | €11,860 | - | - | - |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | €20,000 | €10,000 | €11,860 | - | - | - |
| Profit (loss) carried forward14 | €3,985 | €2,763 | €5,380 | €11,898 | €2,578 | ▼ 78.3% |
| Amounts payable17/49 | €61,137 | €65,245 | €41,852 | €47,003 | €23,193 | ▼ 50.7% |
| Amounts payable after more than one year17 | €16,516 | €3,303 | - | - | - | - |
| Financial debts170/4 | €16,516 | €3,303 | - | - | - | - |
| Amounts payable within one year42/48 | €44,621 | €61,931 | €41,444 | €47,003 | €22,719 | ▼ 51.7% |
| Current portion of amounts payable after more than one year42 | €13,213 | €13,213 | €4,656 | - | - | - |
| Financial debts43 | - | - | €435 | - | €1,158 | - |
| Credit institutions430/8 | - | - | €435 | - | €1,158 | - |
| Trade debts44 | €18,329 | €9,382 | €3,279 | €8,130 | €4,182 | ▼ 48.6% |
| Suppliers440/4 | €18,329 | €9,382 | €3,279 | €8,130 | €4,182 | ▼ 48.6% |
| Taxes, remuneration and social security45 | €12,966 | €39,245 | €19,903 | €26,730 | €15,713 | ▼ 41.2% |
| Taxes450/3 | €12,966 | €39,245 | €19,903 | €26,730 | €14,713 | ▼ 45.0% |
| Remuneration and social security454/9 | - | - | - | - | €1,000 | - |
| Other amounts payable47/48 | €112 | €91 | €13,171 | €12,143 | €1,666 | ▼ 86.3% |
| Accrued charges and deferred income492/3 | €0 | €12 | €407 | - | €474 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€10,093 | -€11,222 | €4,283 | €13,616 | -€7,654 | ▼ 156% |
| + Depreciation and write-downs630 | €11,782 | €14,109 | €14,048 | €13,100 | €13,110 | ▲ 0.1% |
| Operating cash flow (approximation) | €1,688 | €2,887 | €18,331 | €26,716 | €5,457 | ▼ 79.6% |
| Investment in fixed assets (approximation) | - | -€12,138 | -€3,431 | -€3,408 | €0 | ▲ 100% |
| Change in cash | - | €7,101 | -€12,033 | -€2,208 | -€5,029 | ▼ 128% |
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
Next filing, fiscal year 2026, expected by
2026
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
31-12
Financial
Back to profitnet €4,283
Net result €4,283 after 2 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet -€11,222
Net result drops to -€11,222, the lowest in the series; recovery starts the following year.
20-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 142 days late
24-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 208 days late
2021
26-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 179 days late
2019
28-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 89 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
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.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, La Bruyère · 1 establishment unit since 2015
Ground area
2,081 m²
Building footprint
92 m²
Parcel 92131A0039/00S000, Wallonia. Linked by address, not a title deed.
1 establishment unit
5Consult
since 20152.242.442.436
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92131A0039/00S000 | Wallonia | 2,081 m² | 1 · 91 m² | - |
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 30,007 companies in sector 62200 we hold annual accounts for 18,396. 8,881 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
Founded08-05-2015
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
82100Office administrative and support services
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0629891175
Also
9925:BE0629891175
Registered
29-11-2024
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.