AE Conseil
ActiveAE Conseil is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €138k and a net result of €478k. Equity is growing by ~14.1% per year across the filed fiscal years. Its solvency ranks better than 21% of 2256 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 2256 sector peers (2025).
NBB · sector comparisonPosition among 2256 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
28 d late
2023
27 d late
2022
28 d late
2021
26 d late
2020
30 d late
2019
31 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€138k▲ 25.1%
2024 · €110k
2018: €52k
2019: €55k
2020: €60k
2021: €71k
2022: €72k
2023: €87k
2024: €110k
2018 → 2025
Net result
€478k▲ 9.0%
2024 · €438k
2018: €3k
2019: €3k
2020: €5k
2021: €121k
2022: €181k
2023: €290k
2024: €438k
2018 → 2025
Total assets
€1.48M▲ 45.1%
2024 · €1.02M
2018: €122k
2019: €181k
2020: €230k
2021: €320k
2022: €676k
2023: €718k
2024: €1.02M
2018 → 2025
Solvency
9.3%▼ 1.5pp
2024 · 10.8%
2018: 42.7%
2019: 30.5%
2020: 26.3%
2021: 22.2%
2022: 10.7%
2023: 12.1%
2024: 10.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€71k-€72k▲ 1.6%€87k▲ 20.6%€110k▲ 26.5%€138k▲ 25.1%
Operating result€126k-€189k▲ 49.7%€302k▲ 59.8%€455k▲ 50.6%€508k▲ 11.6%
Net result€121k-€181k▲ 50.1%€290k▲ 60.0%€438k▲ 51.1%€478k▲ 9.0%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 12% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.48M
Fixed assets
€674k▲ 101%
Current assets
€807k▲ 17.8%
Equity and liabilities €1.48M
Equity
€138k▲ 25.1%
Debt
€1.34M▲ 47.5%
The debt ratio rises from 89.2% to 90.7%: debt grows faster than equity.
Key figures and ratios
Solvency
9.3%▼
2024 · 10.8%
ROE
346.3%▼
2024 · 397.4%
ROA
32.3%▼
2024 · 42.9%
Debt
€1.34M▲
2024 · €910k
Debt ≤ 1 year
€855k▲
2024 · €650k
Debt > 1 year
€487k▲
2024 · €260k
Income taxes
€20k▲
2024 · €13k
Staff costs
€434k▲
2024 · €365k
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€1.02M€1.48M▲
Fixed assets21/28€335k€674k▲
Intangible fixed assets21€200k€150k▼
Tangible fixed assets22/27€135k€524k▲
Furniture and vehicles24€128k€248k▲
Other tangible fixed assets26€7k€4k▼
Assets under construction and advance payments27-€272k
Current assets29/58€685k€807k▲
Amounts receivable within one year40/41€152k€87k▼
Trade receivables40€74k€80k▲
Other amounts receivable41€79k€8k▼
Cash at bank and in hand54/58€528k€720k▲
Deferred charges and accrued income490/1€4k-
Equity and liabilities
Total equity and liabilities10/49€1.02M€1.48M▲
Equity10/15€110k€138k▲
Contributions10/11€19k€19k=
Reserves13€32k€32k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€30k€30k=
Profit (loss) carried forward14€60k€87k▲
Amounts payable17/49€910k€1.34M▲
Amounts payable after more than one year17€260k€487k▲
Financial debts170/4€260k€487k▲
Amounts payable within one year42/48€650k€855k▲
Current portion of amounts payable after more than one year42€67k€117k▲
Financial debts43€5k€5k▲
Credit institutions430/8€5k€5k▲
Trade debts44€45k€1k▼
Suppliers440/4€45k€1k▼
Taxes, remuneration and social security45€51k€82k▲
Taxes450/3€732€4k▲
Remuneration and social security454/9€50k€78k▲
Other amounts payable47/48€482k€651k▲
Income statement
Code20242025
Remuneration, social security and pensions62€365k€434k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€67k€103k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€889k€1.05M▲
Operating profit (loss)9901€455k€508k▲
Financial charges65/66B€5k€11k▲
Recurring financial charges65€5k€11k▲
Profit (loss) for the period before taxes9903€451k€498k▲
Income taxes67/77€13k€20k▲
Profit (loss) for the period9904€438k€478k▲
Profit (loss) for the period to be appropriated9905€438k€478k▲
Appropriation of the result
Profit (loss) to be appropriated9906€475k€537k▲
Profit (loss) brought forward from the previous period14P€37k€60k▲
Profit to be distributed694/7€415k€450k▲
Directors or managers695€415k€450k▲
Social balance
Average headcount (FTE)90875.36.3▲
The notes to these accounts (10 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-12
Financial
Highest result since 2018net €478k ▲9%
Operating result €508k, net result €478k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
31-12
Financial
Equity above €100kEq €110k ▲26.5%
7 profitable years in a row build equity to €110k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2023
Société (Privée) à Responsabilité Limitée "BRIFFOZ Frédéric"
CurrentDirector (executive) · since 29-11-2023 · Private limited company · perm. rep.: Frédéric BRIFFOZ
société à responsabilité limitée « Nicolas Dochain »
CurrentDirector (executive) · since 29-11-2023 · Private limited company · perm. rep.: Nicolas Dochain
29-11-2023
Société (Privée) à Responsabilité Limitée "BRIFFOZ Frédéric": Resigned as Director (executive)
29-11-2023
Société (Privée) à Responsabilité Limitée "BRIFFOZ Frédéric": Appointed as Director (executive)
29-11-2023
société à responsabilité limitée « Nicolas Dochain »: Resigned as Director (executive)
29-11-2023
société à responsabilité limitée « Nicolas Dochain »: Appointed as Director (executive)
Location & real-estate footprint
Registered office, Andenne · 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.
Avenue Roi Albert 1045300 AndenneGround area
1,219 m²
Building footprint
248 m²
Parcel 92003H0472/00N000, Wallonia. Linked by address, not a title deed.
1 establishment unit
ANDENNE FINANCE
since 20142.229.730.288
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92003H0472/00N000 | Wallonia | 1,219 m² | 1 · 248 m² | - |
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.
Recognitions · licences · registrations
Legal Entity Identifier
6488508B4C7HQZG34E81
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Of 1,681 companies in sector 66191 we hold annual accounts for 1,230. 1,097 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-04-2014
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.