A&B Conseils
ActiveA&B Conseils has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7k and a net result of €5k. Equity is growing by ~227.8% per year across the filed fiscal years. Its solvency ranks better than 24% of 12632 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
66
/ 100
Healthy▲ +15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency35▲+31
Growth78=
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.88 against 0.54 in 2024), and 74.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 12632 sector peers (2025).
NBB · sector comparisonPosition among 12632 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
26 d late
2023
29 d late
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€7k▲ 371%
2024 · €1k
2023: €232
2024: €1k
2023 → 2025
Total assets
€28k▲ 6.5%
2024 · €26k
2023: €27k
2024: €26k
2023 → 2025
Net result
€5k▲ 341%
2024 · €1k
2023: €-2k
2024: €1k
2023 → 2025
Working capital
€-3k▲ 77.6%
2024 · €-11k
2023: €-17k
2024: €-11k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€232-€1k▲ 534%€7k▲ 371%
Operating result€-2k-€3k€11k▲ 273%
Net result€-2k-€1k€5k▲ 341%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 273% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €28k
Fixed assets
€9k▼ 26.0%
Current assets
€18k▲ 38.2%
Equity and liabilities €28k
Equity
€7k▲ 371%
Debt
€21k▼ 15.5%
The debt ratio falls from 94.3% to 74.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€17k▲
2024 · €9k
Cash flow
€12k▲
2024 · €7k
Solvency
25.1%▲
2024 · 5.7%
Current ratio
0.88▲
2024 · 0.54
Quick ratio
0.88▲
2024 · 0.54
Debt / equity
2.98▼
2024 · 16.62
ROE
78.8%▼
2024 · 84.2%
ROA
19.8%▲
2024 · 4.8%
Interest coverage
42.29▼
2024 · 95.18
Debt
€21k▼
2024 · €24k
Debt ≤ 1 year
€21k▼
2024 · €24k
Income taxes
€5k▲
2024 · €2k
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€26k€28k▲
Fixed assets21/28€13k€9k▼
Tangible fixed assets22/27€13k€9k▼
Furniture and vehicles24€13k€9k▼
Current assets29/58€13k€18k▲
Amounts receivable within one year40/41€13k€17k▲
Trade receivables40€13k€17k▲
Other amounts receivable41-€0
Cash at bank and in hand54/58€514€1k▲
Equity and liabilities
Total equity and liabilities10/49€26k€28k▲
Equity10/15€1k€7k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€-529€5k▲
Amounts payable17/49€24k€21k▼
Amounts payable within one year42/48€24k€21k▼
Trade debts44€6k€4k▼
Suppliers440/4€6k€4k▼
Taxes, remuneration and social security45€9k€15k▲
Taxes450/3€6k€13k▲
Remuneration and social security454/9€4k€2k▼
Other amounts payable47/48€9k€960▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲
Other operating charges640/8€2k€6k▲
Gross operating margin9900€11k€22k▲
Operating profit (loss)9901€3k€11k▲
Financial income75/76B€6€63▲
Recurring financial income75€6€63▲
Financial charges65/66B€91€396▲
Recurring financial charges65€91€396▲
Profit (loss) for the period before taxes9903€3k€10k▲
Income taxes67/77€2k€5k▲
Profit (loss) for the period9904€1k€5k▲
Profit (loss) for the period to be appropriated9905€1k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-529€5k▲
Profit (loss) brought forward from the previous period14P€-2k€-529▲
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2023net €5k ▲341%
Operating result €11k, net result €5k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Les Bons Villers · 1 establishment unit since 2022
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.
Chemin de Frasnes(FLG) 26210 Les Bons VillersGround area
1,029 m²
Building footprint
111 m²
Parcel 52024A0125/00E000, Wallonia. Linked by address, not a title deed.
1 establishment unit
A&B CONSEILS
since 20222.337.228.757
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52024A0125/00E000 | Wallonia | 1,029 m² | 1 · 111 m² | - |
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 2,258 companies in sector 69209 we hold annual accounts for 1,090. 360 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-10-2022
Fiscal year end31-12
Activities, NACEBEL
69202Legal and accounting activities
69209Other tax advisory services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:laurence@abconseils.be
Phone:+32473602523
Phone:0473602523