ACUMEN CONSULTING
ActiveACUMEN CONSULTING has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.22M and a net result of €311k. Equity is growing by ~24.2% per year across the filed fiscal years. Its solvency ranks better than 49% of 2687 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+6
Solvency70▲+5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €95k at 30 days acceptable
Liquidity ample (current ratio 1.52 against 1.29 in 2024; short-term debt: 40.6% and cash: 21.2% of total assets), but 55% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers 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
45%
Return on assets
11.5%
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
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
22 d early
2023
23 d early
2022
27 d early
2021
32 d early
2020
39 d early
2019
30 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.22M▲ 16.5%
2024 · €1.05M
2018: €328k
2019: €328k
2020: €328k
2021: €447k
2022: €527k
2023: €957k
2024: €1.05M
2018 → 2025
Total assets
€2.71M▲ 4.0%
2024 · €2.60M
2018: €1.29M
2019: €1.24M
2020: €2.52M
2021: €2.62M
2022: €3.20M
2023: €2.80M
2024: €2.60M
2018 → 2025
Net result
€311k▲ 33.3%
2024 · €234k
2018: €356k
2019: €286k
2020: €404k
2021: €395k
2022: €599k
2023: €597k
2024: €234k
2018 → 2025
Working capital
€567k▲ 71.5%
2024 · €330k
2018: €354k
2019: €349k
2020: €384k
2021: €344k
2022: €178k
2023: €461k
2024: €330k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€447k-€527k▲ 18.0%€957k▲ 81.6%€1.05M▲ 9.3%€1.22M▲ 16.5%
Operating result€582k-€885k▲ 52.1%€920k▲ 4.0%€453k▼ 50.7%€546k▲ 20.4%
Net result€395k-€599k▲ 51.5%€597k▼ 0.4%€234k▼ 60.8%€311k▲ 33.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 20% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.71M
Fixed assets
€1.04M▼ 7.0%
Current assets
€1.67M▲ 12.4%
Equity and liabilities €2.71M
Equity
€1.22M▲ 16.5%
Debt
€1.49M▼ 4.4%
The debt ratio falls from 59.8% to 55.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€633k▲
2024 · €540k
Cash flow
€399k▲
2024 · €320k
Solvency
45.0%▲
2024 · 40.2%
Current ratio
1.52▲
2024 · 1.29
Quick ratio
1.52▲
2024 · 1.29
Debt / equity
1.22▼
2024 · 1.49
ROE
25.5%▲
2024 · 22.3%
ROA
11.5%▲
2024 · 9.0%
Interest coverage
6.88▲
2024 · 5.67
Debt
€1.49M▼
2024 · €1.56M
Debt ≤ 1 year
€1.10M▼
2024 · €1.15M
Debt > 1 year
€276k▼
2024 · €305k
Income taxes
€142k▲
2024 · €125k
Staff costs
€3.54M▲
2024 · €3.47M
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€2.60M€2.71M▲
Fixed assets21/28€1.12M€1.04M▼
Tangible fixed assets22/27€1.12M€1.04M▼
Land and buildings22€1.09M€1.02M▼
Plant, machinery and equipment23€11k€7k▼
Furniture and vehicles24€18k€15k▼
Current assets29/58€1.48M€1.67M▲
Amounts receivable within one year40/41€982k€1.08M▲
Trade receivables40€947k€1.08M▲
Other amounts receivable41€35k€452▼
Cash at bank and in hand54/58€494k€574k▲
Deferred charges and accrued income490/1€5k€8k▲
Equity and liabilities
Total equity and liabilities10/49€2.60M€2.71M▲
Equity10/15€1.05M€1.22M▲
Contributions10/11€215k€215k=
Reserves13€23k€23k=
Distributable reserves133€23k€23k=
Profit (loss) carried forward14€808k€981k▲
Amounts payable17/49€1.56M€1.49M▼
Amounts payable after more than one year17€305k€276k▼
Financial debts170/4€305k€276k▼
Amounts payable within one year42/48€1.15M€1.10M▼
Current portion of amounts payable after more than one year42€29k€29k=
Trade debts44€501k€455k▼
Suppliers440/4€501k€455k▼
Taxes, remuneration and social security45€448k€447k▼
Taxes450/3€81k€75k▼
Remuneration and social security454/9€367k€372k▲
Other amounts payable47/48€173k€167k▼
Accrued charges and deferred income492/3€102k€115k▲
Income statement
Code20242025
Remuneration, social security and pensions62€3.47M€3.54M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€86k€87k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€64k-
Other operating charges640/8€6k€998▼
Gross operating margin9900€4.07M€4.17M▲
Operating profit (loss)9901€453k€546k▲
Financial income75/76B€4€52▲
Recurring financial income75€4€52▲
Financial charges65/66B€95k€92k▼
Recurring financial charges65€95k€92k▼
Profit (loss) for the period before taxes9903€358k€454k▲
Income taxes67/77€125k€142k▲
Profit (loss) for the period9904€234k€311k▲
Profit (loss) for the period to be appropriated9905€234k€311k▲
Appropriation of the result
Profit (loss) to be appropriated9906€953k€1.12M▲
Profit (loss) brought forward from the previous period14P€719k€808k▲
Profit to be distributed694/7€145k€138k▼
Employees696€145k€138k▼
Social balance
Average headcount (FTE)908739.240.0▲
The notes to these accounts (8 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €234k ▼60.8%
Net result drops to €234k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €1MEq €1.05M ▲9.3%
7 profitable years in a row build equity to €1.05M.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €599k ▲51.5%
Net result €599k, the highest in the series.
31-12
Financial
Equity above €500kEq €527k ▲18%
5 profitable years in a row build equity to €527k.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Leuven · 1 establishment unit since 2015
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.
Ambachtenlaan 143001 LeuvenGround area
9,035 m²
Building footprint
1,994 m²
Volume, LiDAR
14,202 m³
Parcel 24514C0015/00C004, Flanders · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Ambachtenlaan 14, 3001 Leuven
since 20152.239.402.574
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24514C0015/00C004 | Flanders | 9,035 m² | 1 · 1,994 m² | 11.8 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 7,424 EUR awarded · 7,424 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 3,960 EUR | 3,960 EUR |
| 2024 | 1 | 2,714 EUR | 2,714 EUR |
| 2022 | 1 | 750 EUR | 750 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
254900BB2LC3AGR6A024
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 7,449 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-07-2007
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.