ADAM CONSULT & INVEST
ActiveSummary
The computed 12-month bankruptcy probability of ADAM CONSULT & INVEST is 2.6% (moderate). The 2025 annual accounts show equity of €2k and a net result of €86. Equity is growing by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 24% of 11322 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▲+56
Solvency32=
Growth78=
Track record100
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five 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 dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 11322 sector peers (2025).
NBB · sector comparisonPosition among 11322 sector peers
Solvency
better than 24%
← 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 10-07-2026, 21 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
21 d early
2024
3 d early
2023
1 d early
2022
19 d early
2021
33 d early
2020
31 d early
2019
36 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k▲ 3.6%
2024 · €2k
2019: €2k
2020: €1k
2021: €2k
2022: €4k
2023: €4k
2024: €2k
2019 → 2025
Total assets
€33k▼ 2.0%
2024 · €34k
2019: €6k
2020: €9k
2021: €16k
2022: €32k
2023: €34k
2024: €34k
2019 → 2025
Net result
€86
2024 · €-1k
2019: €-4k
2020: €-797
2021: €824
2022: €2k
2023: €99
2024: €-1k
2019 → 2025
Working capital
€2k▲ 13.3%
2024 · €2k
2019: €368
2020: €2k
2021: €1k
2022: €3k
2023: €3k
2024: €2k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2k-€4k▲ 92.3%€4k▲ 2.7%€2k▼ 38.1%€2k▲ 3.6%
Operating result€892-€2k▲ 106%€543▼ 70.5%€-1k€133
Net result€824-€2k▲ 118%€99▼ 94.5%€-1k€86
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €133 after a loss of €1k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €33k
Fixed assets
€578 ▼ 29.6%
Current assets
€33k ▼ 1.4%
Equity and liabilities €33k
Equity
€2k ▲ 3.6%
Debt
€31k ▼ 2.5%
Debt's share of the balance-sheet total falls from 93.0% to 92.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€375▲
2024 · €-1k
Cash flow
€329▲
2024 · €-1k
Current ratio
1.08▲
2024 · 1.07
Quick ratio
0.21▼
2024 · 0.29
Debt to equity
12.50▼
2024 · 13.28
ROE
3.5%▲
2024 · -61.7%
ROA
0.3%▲
2024 · -4.3%
Interest coverage
8.10▲
2024 · -27.43
Debt ≤ 1 year
€30k▼
2024 · €31k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€34k€33k▼
Fixed assets21/28€820€578▼
Tangible fixed assets22/27€820€578▼
Furniture and vehicles24€470€308▼
Other tangible fixed assets26€350€269▼
Current assets29/58€33k€33k▼
Stocks and contracts in progress3€24k€26k▲
Stocks30/36€24k€26k▲
Amounts receivable within one year40/41€709€44▼
Trade receivables40€693€44▼
Other amounts receivable41€16-
Cash at bank and in hand54/58€8k€6k▼
Deferred charges and accrued income490/1-€576
Equity and liabilities
Total equity and liabilities10/49€34k€33k▼
Equity10/15€2k€2k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€-4k€-4k▲
Amounts payable17/49€32k€31k▼
Amounts payable within one year42/48€31k€30k▼
Trade debts44€947€111▼
Suppliers440/4€947€111▼
Taxes, remuneration and social security45€836€423▼
Taxes450/3€836€423▼
Other amounts payable47/48€29k€30k▲
Accrued charges and deferred income492/3€550€500▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€129€243▲
Other operating charges640/8€387€637▲
Gross operating margin9900€-900€1k▲
Operating profit (loss)9901€-1k€133▲
Financial charges65/66B€47€46▼
Recurring financial charges65€47€46▼
Profit (loss) for the period before taxes9903€-1k€86▲
Profit (loss) for the period9904€-1k€86▲
Profit (loss) for the period to be appropriated9905€-1k€86▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€-4k▲
Profit (loss) brought forward from the previous period14P€-2k€-4k▼
The notes to these accounts (4 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €86
Net result €86 after one loss-making year.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2019net €2k ▲118%
Operating result €2k, net result €2k, both a record.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €824
Net result €824 after 2 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · 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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2019
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.
Waterlose Steenweg 151060 Sint-Gillis (bij-Brussel)Ground area
92 m²
Building footprint
92 m²
Volume, LiDAR
1,562 m³
Parcel 21562A0040/00B002, Brussels · tallest building 20.5 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
ADAM CONSULT & INVEST
since 20192.291.934.410
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21562A0040/00B002 ProtectedMonumentGeheel van art-nouveauhuizen |
Brussels | 92 m² | 1 · 92 m² | 20.4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
Distri-Event
BE 0690.604.663
Antwerpen · Eq €1,795
Fvoo
BE 0802.302.242
Soumagne · Eq €5,882
ESCUYER
BE 1003.396.803
Vorst · Eq €917
EN MODE BOUTIQUE WANZE
BE 0755.880.616
Wanze · Eq €6,970
BECE Invest
BE 0845.294.325
Sint-Lambrechts-Woluwe · Eq €7,261
Of 44 companies in sector 46422 we hold annual accounts for 23. 7 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-05-2019
Fiscal year end31-12
Activities, NACEBEL 2025
46422Wholesale trade
46423Wholesale of clothing, excluding workwear and underwear
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.