AAL CONSULT
ActiveAAL CONSULT has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €57k. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 21% of 16935 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
65
/ 100
Healthy▼ -11 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency30▼-9
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.23 against 1.27 in 2024), and 79.8% 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
20.2%
Return on assets
59.6%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 16935 sector peers (2025).
NBB · sector comparisonPosition among 16935 sector peers
Solvency
better than 21%
← weakest
strongest →
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 25-03-2026, 128 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
128 d early
2024
34 d early
2023
35 d early
2022
82 d early
2021
80 d early
2020
25 d late
2019
22 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▼ 7.7%
2024 · €21k
2018: €9k
2019: €6k
2020: €30k
2021: €20k
2022: €20k
2023: €20k
2024: €21k
2018 → 2025
Total assets
€96k▲ 5.6%
2024 · €91k
2018: €41k
2019: €48k
2020: €50k
2021: €81k
2022: €61k
2023: €83k
2024: €91k
2018 → 2025
Net result
€57k▼ 0.8%
2024 · €58k
2018: €3k
2019: €19k
2020: €24k
2021: €23k
2022: €35k
2023: €30k
2024: €58k
2018 → 2025
Working capital
€17k▼ 7.3%
2024 · €19k
2018: €7k
2019: €4k
2020: €26k
2021: €15k
2022: €16k
2023: €18k
2024: €19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€20k▲ 0.8%€20k▲ 2.6%€21k▲ 4.3%€19k▼ 7.7%
Operating result€31k-€45k▲ 45.7%€41k▼ 9.5%€76k▲ 86.1%€75k▼ 1.2%
Net result€23k-€35k▲ 51.6%€30k▼ 16.0%€58k▲ 96.0%€57k▼ 0.8%
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 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €96k
Fixed assets
€2k▼ 11.5%
Current assets
€94k▲ 6.0%
Equity and liabilities €96k
Equity
€19k▼ 7.7%
Debt
€77k▲ 9.5%
The debt ratio rises from 76.9% to 79.8%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€76k▼
2024 · €78k
Cash flow
€58k▼
2024 · €60k
Solvency
20.2%▼
2024 · 23.1%
Current ratio
1.23▼
2024 · 1.27
Quick ratio
1.23▼
2024 · 1.27
Debt / equity
3.95▲
2024 · 3.33
ROE
294.9%▲
2024 · 274.6%
ROA
59.6%▼
2024 · 63.4%
Interest coverage
38.43▲
2024 · 34.37
Debt
€77k▲
2024 · €70k
Debt ≤ 1 year
€77k▲
2024 · €70k
Income taxes
€15k▼
2024 · €16k
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€91k€96k▲
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€2k▼
Plant, machinery and equipment23€579€208▼
Furniture and vehicles24€2k€2k▲
Current assets29/58€89k€94k▲
Amounts receivable within one year40/41€33k€32k▼
Trade receivables40€33k€32k▼
Cash at bank and in hand54/58€55k€60k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€91k€96k▲
Equity10/15€21k€19k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€2k€855▼
Amounts payable17/49€70k€77k▲
Amounts payable within one year42/48€70k€77k▲
Trade debts44€383€2k▲
Suppliers440/4€383€2k▲
Taxes, remuneration and social security45€16k€21k▲
Taxes450/3€16k€21k▲
Other amounts payable47/48€54k€55k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€1k€934▼
Gross operating margin9900€79k€77k▼
Operating profit (loss)9901€76k€75k▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€73k€73k▼
Income taxes67/77€16k€15k▼
Profit (loss) for the period9904€58k€57k▼
Profit (loss) for the period to be appropriated9905€58k€57k▼
Appropriation of the result
Profit (loss) to be appropriated9906€59k€60k▲
Profit (loss) brought forward from the previous period14P€2k€2k▲
Profit to be distributed694/7€57k€59k▲
Return on contributions (dividend)694€57k€59k▲
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
25-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €58k ▲96%
Operating result €76k, net result €58k, both a record.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 2.32
Current ratio from 1.11 to 2.32; short-term debt falls from €42k to €20k.
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · 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, Schaarbeek · 1 establishment unit since 2017
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.
Helmetsesteenweg 2021030 SchaarbeekGround area
177 m²
Building footprint
80 m²
Volume, LiDAR
1,038 m³
Parcel 21902A0312/00M002, Brussels · tallest building 18.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
AAL CONSULT
since 20172.271.050.706
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21902A0312/00M002 | Brussels | 177 m² | 1 · 79 m² | 18.0 m · 5 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.
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Of 16,807 companies in sector 62100 we hold annual accounts for 8,747. 5,731 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-12-2017
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.