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ABL CONSULT

Active
Private limited companyfounded 20224 yrs activeVanderlindenstraat 186, 1030 Schaarbeek, BelgiumKBO/BCE: BE 0791.696.380
Summary

The computed 12-month bankruptcy probability of ABL CONSULT is 5.9% (elevated). The 2025 annual accounts show equity of €2,683 and a net result of €4,191. Equity is growing by ~20.8% per year across the filed fiscal years. Its solvency ranks better than 34% of 4735 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency48▲+48
Growth78▲+46
Track record94
Bankruptcy probability, 12 months
5.9% Elevated
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.3 against 0.8 in 2024; short-term debt: 76.6% and cash: 100% of total assets), and 76.6% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 4 years 0 10 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Land transport and transport via pipelines (NACE 49)
about 141% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filings
Deviation from the deadline
2025
29 d late
2024
45 d late
2023
7 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 22 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 49% 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. Usually files around 29 August (3 of the last 3 filed years within 35 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

ABL CONSULT was incorporated on 30 September 2022 as a Private limited company.1 Total assets rose from EUR 2,788 in 2023 to EUR 11,488 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2023 and 2025

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Financials · fiscal year 2025, micro schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€4,191
2024 · -€3,403
Working capital
€2,683
2024 · -€1,508
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 49, Land transport and transport via pipelines, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the fiscal year before
favourable unfavourable
Line202320242025
Operating result-€1,105--€3,352▼ 203%€4,236
Net result-€1,105below the sector's middle half--€3,403below the sector's middle half▼ 208%€4,191within the sector's middle half
Equity€1,895below the sector's middle half--€1,508below the sector's middle half€2,683below the sector's middle half
Total assets€2,788below the sector's middle half-€6,111below the sector's middle half▲ 119%€11,488below the sector's middle half▲ 88.0%
Debt€894-€7,620▲ 753%€8,805▲ 15.6%
Working capital€926within the sector's middle half--€1,508within the sector's middle half€2,683within the sector's middle half
Solvency-24.7%below the sector's middle half23.4%within the sector's middle half▲ 48.0pp
Current ratio0.80within the sector's middle half1.30within the sector's middle half▲ 0.50
Return on assets (ROA)-55.7%below the sector's middle half36.5%above the sector's middle half▲ 92.2pp
above within below the middle half (P25 to P75) of NACE 49, Land transport and transport via pipelines, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
-€4,000-€2,000€0€2,000€4,000Operating result 2023: -€1,105-€1,105Net result 2023: -€1,105-€1,105Operating result 2024: -€3,352-€3,352Net result 2024: -€3,403-€3,403Operating result 2025: €4,236€4,236Net result 2025: €4,191€4,191202320242025-€4,000-€2,000€0€2,000€4,000Operating result 2023: -€1,105-€1,110Net result 2023: -€1,105-€1,110Operating result 2024: -€3,352-€3,350Net result 2024: -€3,403-€3,400Operating result 2025: €4,236€4,240Net result 2025: €4,191€4,190202320242025
The operating result returns to profit in 2025: €4,236 after a loss of €3,352 in 2024, the highest result in the available series.
Balance-sheet composition
Equity and liabilities €11,488
Equity €2,683
Debt €8,805
Debt finances 76.6% of the balance-sheet total.
Key figures and ratios
2025 value · change against 2024
Debt to equity
3.28▲
2024 · -5.05
ROE
156.2%
Debt ≤ 1 year
€8,805▲
2024 · €7,620
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 7,976 companies that looked in July 2024 the way this one looks now, 3.6% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more
3.6% went bankrupt
1.8% stopped otherwise
94% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 5.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 7,976 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 23 lines
Balance sheet Code20242025
Assets
Total assets20/58€6,111€11,488▲
Current assets29/58€6,111€11,488▲
Cash at bank and in hand54/58€6,111€11,488▲
Equity and liabilities
Total equity and liabilities10/49€6,111€11,488▲
Equity10/15-€1,508€2,683▲
Contributions10/11€3,000€3,000=
Profit (loss) carried forward14-€4,508-€317▲
Amounts payable17/49€7,620€8,805▲
Amounts payable within one year42/48€7,620€8,805▲
Trade debts44€6,128€7,579▲
Suppliers440/4€6,128€7,579▲
Taxes, remuneration and social security45€1,492€1,226▼
Taxes450/3€1,492€1,226▼
Income statement Code20242025
Other operating charges640/8€387€400▲
Gross operating margin9900-€2,964€4,636▲
Operating profit (loss)9901-€3,352€4,236▲
Financial charges65/66B€51€45▼
Recurring financial charges65€51€45▼
Profit (loss) for the period before taxes9903-€3,403€4,191▲
Profit (loss) for the period9904-€3,403€4,191▲
Profit (loss) for the period to be appropriated9905-€3,403€4,191▲
Appropriation of the result
Profit (loss) to be appropriated9906-€4,508-€317▲
Profit (loss) brought forward from the previous period14P-€1,105-€4,508▼

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202320242025Change
Other operating charges640/8€736€387€400▲ 3.2%
Gross operating margin9900-€369-€2,964€4,636▲ 256%
Operating profit (loss)9901-€1,105-€3,352€4,236▲ 226%
Financial charges65/66B-€51€45▼ 12.2%
Recurring financial charges65-€51€45▼ 12.2%
Profit (loss) for the period before taxes9903-€1,105-€3,403€4,191▲ 223%
Profit (loss) for the period9904-€1,105-€3,403€4,191▲ 223%
Profit (loss) for the period to be appropriated9905-€1,105-€3,403€4,191▲ 223%
Line202320242025Change
Assets
Total assets20/58€2,788€6,111€11,488▲ 88.0%
Formation expenses20€969---
Current assets29/58€1,820€6,111€11,488▲ 88.0%
Amounts receivable within one year40/41€526---
Trade receivables40€354---
Other amounts receivable41€172---
Cash at bank and in hand54/58€1,294€6,111€11,488▲ 88.0%
Equity and liabilities
Total equity and liabilities10/49€2,788€6,111€11,488▲ 88.0%
Equity10/15€1,895-€1,508€2,683▲ 278%
Contributions10/11€3,000€3,000€3,000=
Profit (loss) carried forward14-€1,105-€4,508-€317▲ 93.0%
Amounts payable17/49€894€7,620€8,805▲ 15.6%
Amounts payable within one year42/48€894€7,620€8,805▲ 15.6%
Trade debts44-€6,128€7,579▲ 23.7%
Suppliers440/4-€6,128€7,579▲ 23.7%
Taxes, remuneration and social security45€894€1,492€1,226▼ 17.8%
Taxes450/3€894€1,492€1,226▼ 17.8%
Line202320242025Change
Profit (loss) for the period9904-€1,105-€3,403€4,191▲ 223%
Operating cash flow (approximation)-€1,105-€3,403€4,191▲ 223%
Change in cash-€4,817€5,376▲ 11.6%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
29-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
31-12
Financial Back to profitnet €4,191
Net result €4,191 after 2 loss-making years.
14-09
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 45 days late
2024
31-12
Financial Weakest financial yearnet -€3,403
Net result drops to -€3,403, the lowest in the series; recovery starts the following year.
24-07
NBB filing Annual accounts filed
fiscal year 2023 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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 2022
seat establishment The establishment unit on the map
Ground area
122 m²
Building footprint
89 m²
Volume, LiDAR
982 m³
Parcel 21910E0099/04H003, Brussels · tallest building 14.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ABL CONSULT
Vanderlindenstraat 186, 1030 SchaarbeekScheduled passenger transport by road
since 20222.336.430.981
1 parcel
Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21910E0099/04H003 Brussels 122 m² 1 · 89 m² 14.2 m · 4 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.

Similar companies · same sector, comparable size

Of 6,683 companies in sector 49330 we hold annual accounts for 2,302. 1,313 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
Founded30-09-2022
Fiscal year end31-12
Activities, NACEBEL 2025
49320Non-scheduled passenger transport by road
49330On-demand passenger transport by chauffeured vehicle
49310Scheduled passenger transport by road
E-invoicing
Reachable via Peppol
Peppol ID 0208:0791696380
Also 9925:BE0791696380
Registered 16-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.