ABF CONSULTING
ActiveThe annual accounts of ABF CONSULTING for fiscal year 2025 show a net loss of 91% of the equity at the start of that year. The 2025 annual accounts show equity of €1k and a net result of €-15k. Equity is growing by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 11% of 3269 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
42
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency29▼-43
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.69 against 1.28 in 2024; short-term debt: 96% and cash: 18.2% of total assets), and 96% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
4%
Return on assets
-41.7%
Age of the figures
9 mo
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-15k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 3269 sector peers (2025).
NBB · sector comparisonPosition among 3269 sector peers
Solvency
better than 11%
← 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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
96 d late
2023
48 d late
2022
21 d late
2021
103 d late
2020
143 d late
2019
27 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1k▼ 91.3%
2024 · €16k
2018: €10k
2019: €11k
2020: €15k
2021: €20k
2022: €26k
2023: €25k
2024: €16k
2018 → 2025
Total assets
€36k▲ 2.7%
2024 · €35k
2018: €22k
2019: €34k
2020: €22k
2021: €42k
2022: €43k
2023: €40k
2024: €35k
2018 → 2025
Net result
€-15k▼ 83.1%
2024 · €-8k
2018: €2k
2019: €2k
2020: €4k
2021: €4k
2022: €4k
2023: €-916
2024: €-8k
2018 → 2025
Working capital
€-11k
2024 · €5k
2018: €1k
2019: €625
2020: €7k
2021: €11k
2022: €12k
2023: €14k
2024: €5k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€26k▲ 30.7%€25k▼ 3.6%€16k▼ 33.3%€1k▼ 91.3%
Operating result€5k-€7k▲ 39.6%€-412€-8k▼ 1,800%€-15k▼ 87.2%
Net result€4k-€4k▼ 14.9%€-916€-8k▼ 798%€-15k▼ 83.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €15k in 2025 against €8k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €36k
Fixed assets
€12k▲ 7.4%
Current assets
€24k▲ 0.4%
Equity and liabilities €36k
Equity
€1k▼ 91.3%
Debt
€35k▲ 85.5%
The debt ratio rises from 53.2% to 96.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-12k
Cash flow
€-13k
Solvency
4.0%▼
2024 · 46.8%
Current ratio
0.69▼
2024 · 1.28
Quick ratio
0.69▼
2024 · 1.28
Debt / equity
24.22▲
2024 · 1.13
ROA
-41.7%▼
2024 · -23.4%
Interest coverage
-29.45
Debt
€35k▲
2024 · €19k
Debt ≤ 1 year
€35k▲
2024 · €19k
Staff costs
€92k▲
2024 · €89k
A ratio outside any meaningful range has been withheld (balance sheet total €36k, equity €1k).
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€35k€36k▲
Fixed assets21/28€11k€12k▲
Tangible fixed assets22/27€7k€8k▲
Land and buildings22€4k€4k=
Plant, machinery and equipment23€690€690=
Furniture and vehicles24€3k€3k▲
Financial fixed assets28€5k€5k=
Current assets29/58€24k€24k▲
Amounts receivable within one year40/41€18k€17k▼
Trade receivables40-€4k
Other amounts receivable41€18k€13k▼
Cash at bank and in hand54/58€6k€7k▲
Equity and liabilities
Total equity and liabilities10/49€35k€36k▲
Equity10/15€16k€1k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€-4k€-19k▼
Amounts payable17/49€19k€35k▲
Amounts payable within one year42/48€19k€35k▲
Trade debts44-€9k
Suppliers440/4-€9k
Advances received on contracts in progress46€2k€1k▼
Taxes, remuneration and social security45€17k€24k▲
Taxes450/3€10k€7k▼
Remuneration and social security454/9€7k€18k▲
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€56k€86k▲
Remuneration, social security and pensions62€89k€92k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€2k
Other operating charges640/8€682€2k▲
Gross operating margin9900€82k€82k▲
Operating profit (loss)9901€-8k€-15k▼
Financial charges65/66B€401€415▲
Recurring financial charges65€401€415▲
Profit (loss) for the period before taxes9903€-8k€-15k▼
Profit (loss) for the period9904€-8k€-15k▼
Profit (loss) for the period to be appropriated9905€-8k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€-19k▼
Profit (loss) brought forward from the previous period14P€4k€-4k▼
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series.
04-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 96 days late
2024
17-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 48 days late
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
11-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 103 days late
2021
31-12
Financial
Highest result since 2018net €4k ▲10.7%
Net result €4k, the highest in the series.
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 143 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 58 days late
2018
28-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 150 days late
13-03
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 225 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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 2014
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.
Albert Giraudlaan 101030 SchaarbeekGround area
180 m²
Building footprint
154 m²
Volume, LiDAR
2,544 m³
Parcel 21015A0485/00W004, Brussels · tallest building 20.2 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
ABF CONSULTING
since 20142.228.503.536
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21015A0485/00W004 | Brussels | 180 m² | 1 · 154 m² | 20.2 m · 6 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 2,265 companies in sector 69209 we hold annual accounts for 1,097. 139 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-03-2014
Fiscal year end31-12
Activities, NACEBEL
69202Legal and accounting activities
69209Other tax advisory services
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:INFO@ABFC.BE
Phone:0495154172