A&T Consult
ActiveA&T Consult has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €525k and a net result of €116k. Equity is growing by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 86% of 37968 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability93▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 8.79 against 22.85 in 2023; short-term debt: 11.3% and cash: 0.5% of total assets), and 11.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 · 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
88.5%
Return on assets
19.5%
Age of the figures
22 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-11-2024 was due by 30-06-2025 and was filed on 26-01-2025, 155 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
155 d early
2023
on the day
2022
22 d early
2021
10 d early
2020
135 d early
2019
27 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€525k▲ 5.9%
2023 · €496k
2018: €360k
2019: €418k
2020: €473k
2021: €486k
2022: €461k
2023: €496k
2018 → 2024
Total assets
€593k▲ 14.3%
2023 · €519k
2018: €376k
2019: €443k
2020: €494k
2021: €511k
2022: €491k
2023: €519k
2018 → 2024
Net result
€116k▲ 10.6%
2023 · €105k
2018: €40k
2019: €57k
2020: €56k
2021: €67k
2022: €87k
2023: €105k
2018 → 2024
Working capital
€524k▲ 6.5%
2023 · €492k
2018: €339k
2019: €402k
2020: €459k
2021: €478k
2022: €458k
2023: €492k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€473k-€486k▲ 2.6%€461k▼ 5.0%€496k▲ 7.5%€525k▲ 5.9%
Operating result€69k-€82k▲ 18.7%€103k▲ 26.9%€122k▲ 18.1%€145k▲ 18.9%
Net result€56k-€67k▲ 19.4%€87k▲ 30.1%€105k▲ 20.7%€116k▲ 10.6%
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 four years in a row; 2024 is 19% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €593k
Fixed assets
€2k▼ 54.3%
Current assets
€591k▲ 14.9%
Equity and liabilities €593k
Equity
€525k▲ 5.9%
Debt
€68k▲ 195%
The debt ratio rises from 4.4% to 11.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€148k▲
2023 · €125k
Cash flow
€118k▲
2023 · €108k
Solvency
88.5%▼
2023 · 95.6%
Current ratio
8.79▼
2023 · 22.85
Quick ratio
8.79▼
2023 · 22.85
Debt / equity
0.13▲
2023 · 0.05
ROE
22.0%▲
2023 · 21.1%
ROA
19.5%▼
2023 · 20.1%
Interest coverage
78.93▼
2023 · 80.80
Debt
€68k▲
2023 · €23k
Debt ≤ 1 year
€67k▲
2023 · €23k
Income taxes
€48k▲
2023 · €43k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€519k€593k▲
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Furniture and vehicles24€3k€1k▼
Other tangible fixed assets26€1k€487▼
Current assets29/58€515k€591k▲
Amounts receivable after more than one year29€42k€101k▲
Other amounts receivable291€42k€101k▲
Amounts receivable within one year40/41€183k€214k▲
Other amounts receivable41€183k€214k▲
Current investments50/53€254k€272k▲
Cash at bank and in hand54/58€35k€3k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€519k€593k▲
Equity10/15€496k€525k▲
Contributions10/11€6k€6k=
Reserves13€490k€519k▲
Distributable reserves133€490k€519k▲
Amounts payable17/49€23k€68k▲
Amounts payable within one year42/48€23k€67k▲
Trade debts44€224€72▼
Suppliers440/4€224€72▼
Taxes, remuneration and social security45€17k€22k▲
Taxes450/3€17k€22k▲
Other amounts payable47/48€5k€45k▲
Accrued charges and deferred income492/3€542€876▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€127k€149k▲
Operating profit (loss)9901€122k€145k▲
Financial income75/76B€27k€21k▼
Recurring financial income75€27k€21k▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€147k€164k▲
Income taxes67/77€43k€48k▲
Profit (loss) for the period9904€105k€116k▲
Profit (loss) for the period to be appropriated9905€105k€116k▲
Appropriation of the result
Profit (loss) to be appropriated9906€105k€116k▲
Transfer from equity791/2€70k€86k▲
Transfer to equity691/2€105k€116k▲
To other reserves6921€105k€116k▲
Profit to be distributed694/7€70k€86k▲
Return on contributions (dividend)694€70k€86k▲
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
2025
26-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-11
Financial
Highest result since 2018net €116k ▲10.6%
Operating result €145k, net result €116k, both a record.
30-11
Financial
Equity above €500kEq €525k ▲5.9%
7 profitable years in a row build equity to €525k.
30-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 5 days late
2018
04-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
06-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
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, Oudenaarde · 1 establishment unit since 1999
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.
Deinzestraat 1579700 OudenaardeGround area
3,408 m²
Building footprint
292 m²
Volume, LiDAR
1,345 m³
Parcel 45508A0075/00T000, Flanders · tallest building 8.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
A & T CONSULT
since 19992.090.846.975
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45508A0075/00T000 | Flanders | 3,408 m² | 1 · 292 m² | 8.7 m · 1 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
2022 to 2025 · 4 entries · 751 EUR awarded · 751 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 147 EUR | 147 EUR |
| 2024 | 1 | 340 EUR | 340 EUR |
| 2023 | 1 | 132 EUR | 132 EUR |
| 2022 | 1 | 132 EUR | 132 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 34,241 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-03-1999
Fiscal year end30-11
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.