A2 CONSEILS
ActiveSummary
A2 CONSEILS has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €61,047 and a net result of €9,748. Equity is growing by ~7.6% per year across the filed fiscal years. Its solvency ranks better than 56% of 3494 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability80▼-13
Solvency82▼-18
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 2.14 against 4.66 in 2024; short-term debt: 43.4% and cash: 35.2% of total assets), and 43.4% of the assets are financed with debt.
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Signals
Five 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 74
Relative position
BE, all sectors
reference
Other professional, scientific and technical activities (NACE 74)
about 48% fewer 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
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
56.6%
Return on assets
9%
Age of the figures
9 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 27-05-2026, 65 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
65 d early
2024
26 d late
2023
29 d late
2022
4 d early
2021
30 d late
2020
200 d late
2019
565 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 112 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 38% 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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€61,047▼ 3.9%
2024 · €63,500
Total assets
€107,888▲ 33.0%
2024 · €81,119
Net result
€9,748▼ 38.3%
2024 · €15,808
Working capital
€53,254▼ 10.0%
2024 · €59,160
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-€14,010▼ 31.3%€56,193-€6,437€20,306€15,554▼ 23.4%
Net result-€14,394▼ 32.0%€41,242-€3,608€15,808€9,748▼ 38.3%
Equity€12,763▼ 53.0%€54,005▲ 323%€47,692▼ 11.7%€63,500▲ 33.1%€61,047▼ 3.9%
Total assets€65,266▲ 28.2%€144,640▲ 122%€117,340▼ 18.9%€81,119▼ 30.9%€107,888▲ 33.0%
Debt€52,503▲ 121%€90,635▲ 72.6%€69,648▼ 23.2%€17,619▼ 74.7%€46,841▲ 166%
Working capital€7,522▼ 64.0%€50,425▲ 570%€44,742▼ 11.3%€59,160▲ 32.2%€53,254▼ 10.0%
Staff (FTE)1=0.3▼ 70.0%0.3
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 2025; 2025 is 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €107,888
Fixed assets
€7,793 ▲ 34.5%
Current assets
€100,095 ▲ 32.9%
Equity and liabilities €107,888
Equity
€61,047 ▼ 3.9%
Debt
€46,841 ▲ 166%
Debt's share of the balance-sheet total rises from 21.7% to 43.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€17,198▼
2024 · €21,187
Cash flow
€11,392▼
2024 · €16,690
Current ratio
2.14▼
2024 · 4.66
Debt to equity
0.77▲
2024 · 0.28
ROE
16.0%▼
2024 · 24.9%
ROA
9.0%▼
2024 · 19.5%
Interest coverage
37.21▲
2024 · 28.60
Debt ≤ 1 year
€46,841▲
2024 · €16,167
Income taxes
€6,354▲
2024 · €3,757
Staff costs
€21,500▼
2024 · €36,941
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €44,412 | €24,340 | €68,388 | €36,941 | €21,500 | ▼ 41.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,669 | €1,669 | €1,207 | €882 | €1,644 | ▲ 86.5% |
| Other operating charges640/8 | €942 | €4,434 | €384 | €435 | €4,683 | ▲ 976% |
| Gross operating margin9900 | €33,012 | €86,636 | €63,543 | €58,564 | €43,381 | ▼ 25.9% |
| Operating profit (loss)9901 | -€14,010 | €56,193 | -€6,437 | €20,306 | €15,554 | ▼ 23.4% |
| Financial income75/76B | €12 | €136 | €125 | €0 | €1,010 | - |
| Recurring financial income75 | €12 | €136 | €125 | €0 | €1,010 | - |
| Financial charges65/66B | €395 | €1,271 | €732 | €741 | €462 | ▼ 37.6% |
| Recurring financial charges65 | €395 | €1,271 | €732 | €741 | €462 | ▼ 37.6% |
| Profit (loss) for the period before taxes9903 | -€14,394 | €55,057 | -€7,044 | €19,565 | €16,101 | ▼ 17.7% |
| Income taxes67/77 | - | €13,816 | -€3,436 | €3,757 | €6,354 | ▲ 69.1% |
| Profit (loss) for the period9904 | -€14,394 | €41,242 | -€3,608 | €15,808 | €9,748 | ▼ 38.3% |
| Profit (loss) for the period to be appropriated9905 | -€14,394 | €41,242 | -€3,608 | €15,808 | €9,748 | ▼ 38.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €65,266 | €144,640 | €117,340 | €81,119 | €107,888 | ▲ 33.0% |
| Fixed assets21/28 | €5,249 | €3,580 | €2,950 | €5,793 | €7,793 | ▲ 34.5% |
| Tangible fixed assets22/27 | €3,578 | €1,909 | €1,279 | €4,122 | €3,022 | ▼ 26.7% |
| Plant, machinery and equipment23 | €1,995 | €1,359 | €723 | €87 | €0 | ▼ 100% |
| Furniture and vehicles24 | €1,583 | €550 | €556 | €4,035 | €3,022 | ▼ 25.1% |
| Financial fixed assets28 | €1,671 | €1,671 | €1,671 | €1,671 | €4,771 | ▲ 186% |
| Current assets29/58 | €60,017 | €141,060 | €114,390 | €75,326 | €100,095 | ▲ 32.9% |
| Amounts receivable within one year40/41 | €15,440 | €72,037 | €65,805 | €31,471 | €60,050 | ▲ 90.8% |
| Trade receivables40 | €13,076 | €70,086 | €63,304 | €28,069 | €51,429 | ▲ 83.2% |
| Other amounts receivable41 | €2,365 | €1,951 | €2,501 | €3,403 | €8,621 | ▲ 153% |
| Cash at bank and in hand54/58 | €43,344 | €67,439 | €46,138 | €42,085 | €37,948 | ▼ 9.8% |
| Deferred charges and accrued income490/1 | €1,233 | €1,584 | €2,448 | €1,770 | €2,097 | ▲ 18.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €65,266 | €144,640 | €117,340 | €81,119 | €107,888 | ▲ 33.0% |
| Equity10/15 | €12,763 | €54,005 | €47,692 | €63,500 | €61,047 | ▼ 3.9% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €7,666 | €41,605 | €38,900 | €38,900 | €47,667 | ▲ 22.5% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Tax-exempt reserves132 | €3,100 | €3,100 | €3,100 | €3,100 | €3,100 | = |
| Distributable reserves133 | €2,706 | €36,645 | €33,940 | €33,940 | €42,707 | ▲ 25.8% |
| Profit (loss) carried forward14 | -€7,302 | €0 | -€3,608 | €12,200 | €981 | ▼ 92.0% |
| Amounts payable17/49 | €52,503 | €90,635 | €69,648 | €17,619 | €46,841 | ▲ 166% |
| Amounts payable within one year42/48 | €52,495 | €90,635 | €69,648 | €16,167 | €46,841 | ▲ 190% |
| Current portion of amounts payable after more than one year42 | €1,800 | €1,302 | €900 | €0 | - | - |
| Trade debts44 | €36,638 | €60,166 | €46,699 | €918 | €14,955 | ▲ 1,529% |
| Suppliers440/4 | €36,638 | €60,166 | €46,699 | €918 | €14,955 | ▲ 1,529% |
| Advances received on contracts in progress46 | €0 | - | - | - | - | - |
| Taxes, remuneration and social security45 | €13,937 | €29,167 | €19,479 | €15,249 | €19,686 | ▲ 29.1% |
| Taxes450/3 | €6,532 | €26,764 | €14,819 | €14,964 | €19,411 | ▲ 29.7% |
| Remuneration and social security454/9 | €7,405 | €2,403 | €4,660 | €285 | €275 | ▼ 3.5% |
| Other amounts payable47/48 | €120 | €0 | €2,570 | €0 | €12,200 | - |
| Accrued charges and deferred income492/3 | €8 | €0 | - | €1,453 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€14,394 | €41,242 | -€3,608 | €15,808 | €9,748 | ▼ 38.3% |
| + Depreciation and write-downs630 | €1,669 | €1,669 | €1,207 | €882 | €1,644 | ▲ 86.5% |
| Operating cash flow (approximation) | -€12,725 | €42,911 | -€2,401 | €16,690 | €11,392 | ▼ 31.7% |
| Investment in fixed assets (approximation) | - | €0 | -€577 | -€3,725 | -€3,645 | ▲ 2.2% |
| Change in cash | - | €24,095 | -€21,301 | -€4,053 | -€4,137 | ▼ 2.1% |
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
27-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Back to profitnet €15,808
Net result €15,808 after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 4.66
Current ratio from 1.64 to 4.66; short-term debt falls from €69,648 to €16,167.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €41,242
Net result €41,242 after 3 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
16-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 200 days late
16-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 565 days late
2021
31-12
Financial
Weakest financial yearnet -€14,394
Net result drops to -€14,394, the lowest in the series; recovery starts the following year.
2019
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 9 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
6 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, Habay · 1 establishment unit since 2010
Ground area
352 m²
Building footprint
358 m²
Volume, LiDAR
3,299 m³
Parcel 85014B0044/00G000, Wallonia · tallest building 17.0 m, ±3 floors. Linked by address, not a title deed.
9
companies at this address
See who is registered here
1 establishment unit
Rue de Luxembourg 41, 6720 Habay
since 20102.196.257.370
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 85014B0044/00G000 | Wallonia | 352 m² | 1 · 358 m² | 17.0 m · 3 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 4,561 companies in sector 74999 we hold annual accounts for 1,934. 1,556 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
Founded19-04-2010
Fiscal year end31-12
Activities, NACEBEL 2025
74999Other professional, scientific and technical activities
Scores and ratios are computed by Checked and are not a credit decision.