ALBO CONSULT
ActiveALBO CONSULT has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €74k and a net result of €6k. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 59% of 9981 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability64▲+18
Solvency76▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 4.11 against 5.74 in 2023; short-term debt: 17.2% and cash: 4.4% of total assets), and 49.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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 · 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 2024Solvency, return and age of the figures
Solvency
50.8%
Return on assets
3.9%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-07-2025, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
3 d early
2023
1 d early
2022
18 d early
2021
50 d late
2020
9 d late
2019
16 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€74k▲ 8.4%
2023 · €68k
2018: €47k
2019: €50k
2020: €70k
2021: €79k
2022: €68k
2023: €68k
2018 → 2024
Total assets
€145k▲ 6.0%
2023 · €137k
2018: €81k
2019: €76k
2020: €99k
2021: €183k
2022: €152k
2023: €137k
2018 → 2024
Net result
€6k▲ 6,542%
2023 · €86
2018: €12k
2019: €3k
2020: €23k
2021: €9k
2022: €-11k
2023: €86
2018 → 2024
Working capital
€78k▲ 7.6%
2023 · €72k
2018: €41k
2019: €45k
2020: €65k
2021: €94k
2022: €72k
2023: €72k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€70k-€79k▲ 13.1%€68k▼ 14.3%€68k▲ 0.1%€74k▲ 8.4%
Operating result€39k-€18k▼ 54.6%€-5k€10k€17k▲ 68.8%
Net result€23k-€9k▼ 60.4%€-11k€86€6k▲ 6,542%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 69% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €145k
Fixed assets
€42k▼ 14.4%
Current assets
€103k▲ 17.4%
Equity and liabilities €145k
Equity
€74k▲ 8.4%
Debt
€71k▲ 3.6%
The debt ratio falls from 50.3% to 49.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€24k▲
2023 · €17k
Cash flow
€13k▲
2023 · €7k
Solvency
50.8%▲
2023 · 49.7%
Current ratio
4.11▼
2023 · 5.74
Quick ratio
4.11▼
2023 · 5.74
Debt / equity
0.97▼
2023 · 1.01
ROE
7.7%▲
2023 · 0.1%
ROA
3.9%▲
2023 · 0.1%
Interest coverage
4.87▲
2023 · 3.25
Debt
€71k▲
2023 · €69k
Debt ≤ 1 year
€25k▲
2023 · €15k
Debt > 1 year
€46k▼
2023 · €54k
Income taxes
€6k▲
2023 · €5k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€137k€145k▲
Fixed assets21/28€49k€42k▼
Tangible fixed assets22/27€48k€41k▼
Land and buildings22€5k€4k▼
Furniture and vehicles24€29k€24k▼
Other tangible fixed assets26€14k€12k▼
Financial fixed assets28€2k€2k=
Current assets29/58€88k€103k▲
Amounts receivable within one year40/41€85k€95k▲
Trade receivables40€24k€13k▼
Other amounts receivable41€61k€82k▲
Cash at bank and in hand54/58€2k€6k▲
Deferred charges and accrued income490/1€352€1k▲
Equity and liabilities
Total equity and liabilities10/49€137k€145k▲
Equity10/15€68k€74k▲
Contributions10/11€19k€19k=
Reserves13€53k€55k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€53k€55k▲
Profit (loss) carried forward14€-3k€0▲
Amounts payable17/49€69k€71k▲
Amounts payable after more than one year17€54k€46k▼
Financial debts170/4€54k€46k▼
Amounts payable within one year42/48€15k€25k▲
Current portion of amounts payable after more than one year42€7k€7k▲
Financial debts43€3k€3k▼
Credit institutions430/8€3k€3k▼
Trade debts44€4k€5k▲
Suppliers440/4€4k€5k▲
Taxes, remuneration and social security45€2k€11k▲
Taxes450/3€2k€11k▲
Remuneration and social security454/9€0-
Income statement
Code20232024
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k=
Other operating charges640/8€4k€4k▼
Non-recurring operating charges66A€188€0▼
Gross operating margin9900€21k€28k▲
Operating profit (loss)9901€10k€17k▲
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€5k€12k▲
Income taxes67/77€5k€6k▲
Profit (loss) for the period9904€86€6k▲
Profit (loss) for the period to be appropriated9905€86€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€3k▲
Profit (loss) brought forward from the previous period14P€-5k€-3k▲
Transfer from equity791/2€2k€0▼
Transfer to equity691/2-€3k
To other reserves6921-€3k
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
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
31-12
Financial
Back to profitnet €86
Net result €86 after one loss-making year.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-11k ▼223%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
19-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 50 days late
2021
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
31-12
Financial
Highest result since 2018net €23k ▲613%
Operating result €39k, net result €23k, both a record.
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
2016
01-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 32 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Ham · 1 establishment unit since 1991
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.
Broekstraat 103945 HamGround area
1,344 m²
Building footprint
215 m²
Volume, LiDAR
191 m³
2 parcels, Flanders · tallest building 6.3 m. Linked by address, not a title deed.
1 establishment unit
ALBO CONSULT
since 19912.055.250.153
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71033A0498/00L000 | Flanders | 803 m² | 1 · 215 m² | 6.3 m |
| 71033A0249/00L000 | Flanders | 540 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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MABOCON
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Of 29,803 companies in sector 41001 we hold annual accounts for 16,040. 13,227 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-11-1991
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.