AAA Consulting
ActiveSummary
AAA Consulting has been active since 2015 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5,814 and a net result of -€766. Equity has been shrinking by about 17% per year since 2018. Its solvency ranks better than 90% of 2,816 sector peers (NACE 82, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 12-10-2015 Normal situation
- Activity
- Other business support services NACE 82990
- Establishment unit
- 2.391.308.930 3500 Hasselt, since 01-07-2026
- Financial year end
- 31 December
- Peppol
- Reachable
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.1%
Annual accounts 2025
- Gross margin
- -€316
- ▲ 49.8%
- Loss
- €766
- ▼ 24.7%
- Equity
- €5,814
- ▼ 11.6%
- Total assets
- €6,374
- ▼ 12.9%
Turnover not published (abbreviated or micro format)
Score breakdownraises riskLoss of €766, the second in a row (financial year 2025)lowers riskLiquidity: current ratio 11.37, cash €2,807Sector: Office administrative, office support and other business support activities (NACE 82)Size: total assets €6,374Show the evidence
Checked score
Score 2025
94
/ 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 56% of micro companies in office administrative support (NACE 82)
Financial strength · tick: 2024
Strong
Solvency
100=
equity 91.2% of total assets
Liquidity
100+2
short-term debt 8.8% · cash 44.0%
Profitability
7+4
return on assets -12.0%
Bankruptcy probability within 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.3%▲ +0.1 percentage points vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.3%● unchanged vs 06-2025highest value
08-2025: 0.1%▼ -0.2 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.2%▲ +0.1 percentage points vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.1%▼ -0.1 percentage points vs 06-2026
08-2026: 0.2%▲ +0.1 percentage points vs 07-2026
09-2026: 0.2%● unchanged vs 08-2026
10-2026: 0.1%▼ -0.1 percentage points vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Credit of up to €500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 11.37 (9.9 in 2024), above the usual 1.5. Short-term debt is 8.8% and cash 44% of total assets. 8.8% of the assets are financed with debt and provisions.
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 82, micro). It does better than 88% of them on solvency, 97% on liquidity, 12% on profitability and 26% on growth.
The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 days early
2024
9 days early
2023
28 days late
2022
19 days early
2021
31 days late
2020
31 days late
2019
60 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 13 days after the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 22 July (4 of the last 5 accounts filed within 38 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, abbreviated format
Annual accounts 2025 filed on 30-06-2026 at the NBB all 10 filings
Equity
€5,814▼ 11.6%
2024 · €6,579
Total assets
€6,374▼ 12.9%
2024 · €7,318
Net result
-€766▲ 24.7%
2024 · -€1,017
Working capital
€5,814▼ 11.6%
2024 · €6,579
Multi-year overview
2018 to 2025, 8 financial yearsOperating result
-€1,017
=
2025
20182025
Net result
-€766
▲ 24.7%
2025
middle half of the sector
20182025
Equity
€5,814
▼ 11.6%
2025
lowest quarter of the sector
20182025
Total assets
€6,374
▼ 12.9%
2025
lowest quarter of the sector
20182025
Debt
€560
▼ 24.1%
2025
20182025
Working capital
€5,814
▼ 11.6%
2025
middle half of the sector
20182025
Solvency
91.2%
▲ 1.3pp
2025
highest quarter of the sector
20182025
Current ratio
11.37
▲ 1.47
2025
highest quarter of the sector
20182025
Return on assets (ROA)
-12.0%
▲ 1.9pp
2025
lowest quarter of the sector
20182025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€1,337-€2,766▲ 107%-€8,316-€3,776▲ 54.6%-€2,234▲ 40.8%-€345▲ 84.5%-€1,017▼ 194%-€1,017=
Net result€879-€1,878▲ 114%-€8,081below the sector's middle half-€3,709below the sector's middle half▲ 54.1%-€2,273below the sector's middle half▲ 38.7%-€434below the sector's middle half▲ 80.9%-€1,017below the sector's middle half▼ 134%-€766within the sector's middle half▲ 24.7%
Equity€20,215-€22,094▲ 9.3%€14,012within the sector's middle half▼ 36.6%€10,303below the sector's middle half▼ 26.5%€8,030below the sector's middle half▼ 22.1%€7,596below the sector's middle half▼ 5.4%€6,579below the sector's middle half▼ 13.4%€5,814below the sector's middle half▼ 11.6%
Total assets€31,649-€26,876▼ 15.1%€17,577below the sector's middle half▼ 34.6%€15,543below the sector's middle half▼ 11.6%€15,625below the sector's middle half▲ 0.5%€7,596below the sector's middle half▼ 51.4%€7,318below the sector's middle half▼ 3.7%€6,374below the sector's middle half▼ 12.9%
Debt€11,434-€4,782▼ 58.2%€3,565▼ 25.5%€5,239▲ 47.0%€7,595▲ 45.0%€739€560▼ 24.1%
Working capital€19,865-€21,383▲ 7.6%€13,764within the sector's middle half▼ 35.6%€10,303within the sector's middle half▼ 25.1%€8,030within the sector's middle half▼ 22.1%€6,579within the sector's middle half€5,814within the sector's middle half▼ 11.6%
Solvency63.9%-82.2%▲ 18.3pp79.7%above the sector's middle half▼ 2.5pp66.3%within the sector's middle half▼ 13.4pp51.4%within the sector's middle half▼ 14.9pp100.0%above the sector's middle half▲ 48.6pp89.9%above the sector's middle half▼ 10.1pp91.2%above the sector's middle half▲ 1.3pp
Current ratio2.88-5.47▲ 2.594.86above the sector's middle half▼ 0.612.97within the sector's middle half▼ 1.892.06within the sector's middle half▼ 0.919.90above the sector's middle half11.37above the sector's middle half▲ 1.47
Return on assets (ROA)2.8%-7.0%▲ 4.2pp-46.0%below the sector's middle half▼ 53.0pp-23.9%below the sector's middle half▲ 22.1pp-14.5%below the sector's middle half▲ 9.3pp-5.7%below the sector's middle half▲ 8.8pp-13.9%below the sector's middle half▼ 8.2pp-12.0%below the sector's middle half▲ 1.9pp
above
within
below
The sector band is the middle half of the companies in Office administrative, office support and other business support activities (NACE 82). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is a loss of €1,017, smaller than the loss of €1,017 in 2024.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €6,374
Equity
€5,814 ▼ 11.6%
Debt
€560 ▼ 24.1%
Debt's share of the balance-sheet total falls from 10.1% to 8.8%. Equity and debt are lower.
Key figures and ratios
Debt to equity
0.10▼
2024 · 0.11
ROE
-13.2%▲
2024 · -15.5%
Debt ≤ 1 year
€560▼
2024 · €739
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €487 | €487 | €462 | €248 | - | - | - | - | - |
| Other operating charges640/8 | - | - | - | €410 | €348 | €143 | €387 | €701 | ▲ 80.9% |
| Gross operating margin9900 | €2,203 | €4,312 | -€7,506 | -€3,118 | -€1,887 | -€202 | -€630 | -€316 | ▲ 49.8% |
| Operating profit (loss)9901 | €1,337 | €2,766 | -€8,316 | -€3,776 | -€2,234 | -€345 | -€1,017 | -€1,017 | = |
| Financial income75/76B | - | - | - | €137 | - | - | - | €251 | - |
| Recurring financial income75 | €1,051 | €1,076 | €758 | €137 | - | - | - | €251 | - |
| Financial charges65/66B | - | - | - | €70 | €39 | €89 | - | - | - |
| Recurring financial charges65 | €325 | €570 | €415 | €70 | €39 | €89 | - | - | - |
| Profit (loss) for the period before taxes9903 | €2,062 | €3,272 | -€7,974 | -€3,709 | -€2,273 | -€434 | -€1,017 | -€766 | ▲ 24.7% |
| Income taxes67/77 | €1,184 | €1,394 | €108 | - | - | - | - | - | - |
| Profit (loss) for the period9904 | €879 | €1,878 | -€8,081 | -€3,709 | -€2,273 | -€434 | -€1,017 | -€766 | ▲ 24.7% |
| Profit (loss) for the period to be appropriated9905 | €879 | €1,878 | -€8,081 | -€3,709 | -€2,273 | -€434 | -€1,017 | -€766 | ▲ 24.7% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €31,649 | €26,876 | €17,577 | €15,543 | €15,625 | €7,596 | €7,318 | €6,374 | ▼ 12.9% |
| Fixed assets21/28 | €1,198 | €710 | €248 | - | - | - | - | - | - |
| Tangible fixed assets22/27 | €1,198 | €710 | €248 | - | - | - | - | - | - |
| Current assets29/58 | €30,452 | €26,166 | €17,329 | €15,543 | €15,625 | €7,596 | €7,318 | €6,374 | ▼ 12.9% |
| Amounts receivable within one year40/41 | €25,518 | €25,089 | €17,329 | €15,082 | €13,595 | €4,789 | €4,511 | €3,316 | ▼ 26.5% |
| Trade receivables40 | - | - | - | €14,212 | €12,657 | - | - | - | - |
| Other amounts receivable41 | - | - | - | €869 | €937 | €4,789 | €4,511 | €3,316 | ▼ 26.5% |
| Cash at bank and in hand54/58 | €3,758 | €0 | - | €461 | €2,030 | €2,807 | €2,807 | €2,807 | = |
| Deferred charges and accrued income490/1 | - | - | - | - | - | - | - | €251 | - |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €31,649 | €26,876 | €17,577 | €15,543 | €15,625 | €7,596 | €7,318 | €6,374 | ▼ 12.9% |
| Equity10/15 | €20,215 | €22,094 | €14,012 | €10,303 | €8,030 | €7,596 | €6,579 | €5,814 | ▼ 11.6% |
| Contributions10/11 | €6,200 | €6,200 | - | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €14,015 | €15,894 | €7,812 | €7,812 | €7,812 | €7,812 | €7,812 | €7,812 | = |
| 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 | = |
| Distributable reserves133 | - | - | - | €5,952 | €5,952 | €5,952 | €5,952 | €5,952 | = |
| Profit (loss) carried forward14 | - | - | - | -€3,709 | -€5,982 | -€6,416 | -€7,433 | -€8,199 | ▼ 10.3% |
| Amounts payable17/49 | €11,434 | €4,782 | €3,565 | €5,239 | €7,595 | - | €739 | €560 | ▼ 24.1% |
| Amounts payable within one year42/48 | €10,587 | €4,782 | €3,565 | €5,239 | €7,595 | - | €739 | €560 | ▼ 24.1% |
| Trade debts44 | €2,565 | €345 | €2,052 | €2,167 | €3,087 | - | €739 | €560 | ▼ 24.1% |
| Suppliers440/4 | - | - | - | €2,167 | €3,087 | - | €739 | €560 | ▼ 24.1% |
| Taxes, remuneration and social security45 | - | - | - | €72 | - | - | - | - | - |
| Taxes450/3 | - | - | - | €72 | - | - | - | - | - |
| Other amounts payable47/48 | - | - | - | €3,000 | €4,508 | - | - | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €879 | €1,878 | -€8,081 | -€3,709 | -€2,273 | -€434 | -€1,017 | -€766 | ▲ 24.7% |
| + Depreciation and write-downs630 | €487 | €487 | €462 | €248 | - | - | - | - | - |
| Operating cash flow (approximation) | €1,366 | €2,366 | -€7,619 | -€3,461 | -€2,273 | -€434 | -€1,017 | -€766 | ▲ 24.7% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - | - | - | - | - | - |
| Change in cash | - | -€3,758 | - | - | €1,569 | €776 | €0 | €0 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 4,805 companies had the same profile as AAA Consulting has now. Two years later, 88.1% were still going and 2.0% had gone bankrupt.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
88.1%
was still going
9.8%
stopped otherwise
2.0%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of AAA Consulting itself is lower: 0.1% within 12 months. It rests on far more data about AAA Consulting than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 4,805 companies, not a prediction for AAA Consulting. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Filings with the National Bank (10)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 30-06-2026 | 2026-00225652 | |
| 31-12-2024 | abbreviated format | 22-07-2025 | 2025-00292314 | |
| 31-12-2023 | abbreviated format | 28-08-2024 | 2024-00380813 | |
| 31-12-2022 | micro format | 12-07-2023 | 2023-00228422 | |
| 31-12-2021 | micro format | 31-08-2022 | 2022-20389715 | |
| 31-12-2020 | micro format | 31-08-2021 | 2021-58700575 | |
| 31-12-2019 | micro format | 29-09-2020 | 2020-57100016 | |
| 31-12-2018 | micro format | 31-01-2020 | 2020-03100575 | |
| 31-12-2017 | micro format | 13-09-2019 | 2019-64100394 | |
| 31-12-2016 | abbreviated format | 31-08-2017 | 2017-59500352 |
Board & ownership
Directors
Directors
1 office holder, last change in 2026
Other functions 1
STEEGEN Johan
Current
Niet statutairbestuurder · in office according to the act of 24-06-2026 · earlier manager, until 24-06-2026 · term without a fixed end
Owners and capital
Capital transactions
Capital over time
- 24-06-2026 Capital conversion · €6,200
Mandate history
1 person, 1 in office
- Board
- Other function
- began earlier
| Name | Functions and periods |
|---|---|
| STEEGEN Johan |
|
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Met of zonder beperking van duur, algemene vergadering die benoemt bepaalt aantal duur opdracht en bij meerdere bevoegdheid”
Articles of association, deed of 24-06-2026 (in Dutch)
Network & group
AAA Consulting shares no director with another company.
Companies at the same address
4 other companiesConnections & network
1 office holderThe network starts from the directors of AAA Consulting. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
30-06
abbreviated format · 31 days before the deadline
24-06
Gazette deed
Resignation: STEEGEN Johan (manager)Reappointment: STEEGEN Johan (niet statutairbestuurder) · Amendment of the articles · Capital conversion7 points ▸
Gazette deed
Resignation: STEEGEN Johan (manager)
Reappointment: STEEGEN Johan (niet statutairbestuurder) · Amendment of the articles · Capital conversion7 points ▸
- Amendment of the articles, mentioned 2 times in the deed
- Capital conversion, “werkelijk gestort kapitaal, opheffing en beschikbaar maken voor uitkering” (deed in Dutch)
- Director resignation, STEEGEN Johan (manager)
- Director discharge, STEEGEN Johan
- Director reappointment, STEEGEN Johan (niet statutairbestuurder)
- Power of attorney
- Power of attorney, Eric GILISSEN
2025
22-07
abbreviated format · 9 days before the deadline
2024
28-08
abbreviated format · 28 days late
2023
12-07
micro format · 19 days before the deadline
2022
31-08
micro format · 31 days late
2021
31-08
micro format · 31 days late
2020
2019
31-12
Financial
Highest result from 2018 to 2025net €1,878 ▲114%
The operating result of €2,766 and the net result of €1,878 are both a record.
13-09
micro format · 409 days late
2017
31-08
abbreviated format · 31 days late
2015
14-10
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
AAA Consulting in Dutch
Enterprise number
0640.856.432
Legal form
Private limited company
Status
Active, normale toestand
Founded
12-10-2015
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 24-06-2026 (in Dutch)Name clauseThe company operates under this name according to its articles.
AAA Consulting
deed of 24-06-2026 (in Dutch)Registered office and establishments
Registered office
Kuringersteenweg 295, 3500 Hasselt, Belgium
Establishment unit
AAA Consulting, Kuringersteenweg 295, 3500 Hasselt since 01-07-2026 · unit number 2.391.308.930
Activities
NACEBEL 202582990
Other business support services main activity
Invoicing and payment
VAT number
BE 0640.856.432
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Friday of June at 17:00
deed of 24-06-2026 (in Dutch)Sites & property
Location
Buildings and parcels at the address
Ground area
1,118 m²
Building footprint
774 m²
Building volume
3,520 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 71327G0691/00L002 | Flanders | 1,118 m² | 1 · 774 m² | 8.7 m · 2 |