A&B Consulting
ActiveThe computed 12-month bankruptcy probability of A&B Consulting is 2.1% (moderate). The 2025 annual accounts show equity of €48k and a net result of €9k. Equity is growing by ~30.8% per year across the filed fiscal years. Its solvency ranks better than 41% of 16922 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
76
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▼-5
Solvency75▲+3
Growth52=
Stability94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.09 against 1.2 in 2024), and 50.2% 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
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 · 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
Sector 46
higher
← 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
49.8%
Return on assets
9.4%
Age of the figures
8 mo
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 29-07-2026, 2 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
2 d early
2024
13 d early
2023
13 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€48k▲ 23.3%
2024 · €39k
2023: €24k
2024: €39k
2023 → 2025
Total assets
€97k▲ 10.1%
2024 · €88k
2023: €57k
2024: €88k
2023 → 2025
Net result
€9k▼ 39.0%
2024 · €15k
2023: €22k
2024: €15k
2023 → 2025
Working capital
€4k▼ 58.2%
2024 · €10k
2023: €20k
2024: €10k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€24k-€39k▲ 61.9%€48k▲ 23.3%
Operating result€28k-€22k▼ 23.8%€16k▼ 24.4%
Net result€22k-€15k▼ 31.0%€9k▼ 39.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 24% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €97k
Fixed assets
€44k▲ 51.0%
Current assets
€53k▼ 10.2%
Equity and liabilities €97k
Equity
€48k▲ 23.3%
Debt
€49k▼ 0.4%
The debt ratio falls from 55.5% to 50.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€24k▼
2024 · €27k
Cash flow
€17k▼
2024 · €20k
Solvency
49.8%▲
2024 · 44.5%
Current ratio
1.09▼
2024 · 1.20
Quick ratio
0.91▼
2024 · 0.93
Debt / equity
1.01▼
2024 · 1.25
ROE
18.9%▼
2024 · 38.2%
ROA
9.4%▼
2024 · 17.0%
Interest coverage
93.02▼
2024 · 109.88
Debt
€49k▼
2024 · €49k
Debt ≤ 1 year
€49k▼
2024 · €49k
Income taxes
€7k▲
2024 · €6k
Staff costs
€34k
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€88k€97k▲
Fixed assets21/28€29k€44k▲
Intangible fixed assets21€6k€5k▼
Tangible fixed assets22/27€23k€36k▲
Furniture and vehicles24€23k€36k▲
Financial fixed assets28-€3k
Current assets29/58€59k€53k▼
Stocks and contracts in progress3€13k€8k▼
Stocks30/36€13k€8k▼
Amounts receivable within one year40/41€23k€32k▲
Trade receivables40€23k€32k▲
Cash at bank and in hand54/58€22k€13k▼
Deferred charges and accrued income490/1€501-
Equity and liabilities
Total equity and liabilities10/49€88k€97k▲
Equity10/15€39k€48k▲
Contributions10/11€3k€3k=
Reserves13€37k€46k▲
Distributable reserves133€37k€46k▲
Amounts payable17/49€49k€49k▼
Amounts payable within one year42/48€49k€49k▼
Current portion of amounts payable after more than one year42-€6k
Trade debts44€10k€11k▲
Suppliers440/4€10k€11k▲
Taxes, remuneration and social security45€20k€23k▲
Taxes450/3€20k€13k▼
Remuneration and social security454/9-€10k
Other amounts payable47/48€19k€9k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€34k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€8k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€29k€60k▲
Operating profit (loss)9901€22k€16k▼
Financial income75/76B€19€8▼
Recurring financial income75€19€8▼
Financial charges65/66B€243€258▲
Recurring financial charges65€243€258▲
Profit (loss) for the period before taxes9903€21k€16k▼
Income taxes67/77€6k€7k▲
Profit (loss) for the period9904€15k€9k▼
Profit (loss) for the period to be appropriated9905€15k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€9k▼
Transfer to equity691/2€15k€9k▼
To the legal reserve6920-€9k
To other reserves6921€15k-
The notes to these accounts (10 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €9k ▼39%
Net result drops to €9k, the lowest in the series.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Beringen · 2 establishment units since 2023
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.
Hasseltsesteenweg 563580 BeringenGround area
1,286 m²
Building footprint
276 m²
Volume, LiDAR
4,584 m³
2 parcels, Flanders · tallest building 26.1 m, ±8 floors. Linked by address, not a title deed.
2 establishment units
A&B Consulting
since 20232.341.353.138
Frituur ’t boompje
since 20252.371.682.464
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11005A0014/00T000 | Flanders | 928 m² | 1 · 188 m² | 26.1 m · 8 fl. |
| 71004B0015/00D000 | Flanders | 358 m² | 1 · 88 m² | 11.1 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBoom2.371.682.464
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Of 2,120 companies in sector 46711 we hold annual accounts for 1,122. 725 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-02-2023
Fiscal year end31-12
Activities, NACEBEL
46711Wholesale of cars and light vans (up to 3.5 tonnes)
62020IT consultancy
62200Computer consultancy and computer facilities management
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.