ALFA CONSULT
ActiveALFA CONSULT has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-106k) and a net result of €-73k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 9195 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Negative equity caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability32▲+22
Solvency16▼-6
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.84 against 1.12 in 2024; short-term debt: 16.2% and cash: 3.9% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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 2025Solvency, return and age of the figures
Solvency
-9%
Return on assets
-6.1%
Age of the figures
12 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-106k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
31 d late
2022
4 d late
2021
13 d late
2020
31 d late
2019
20 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-106k▼ 217%
2024 · €-33k
2018: €-233k
2019: €-226k
2020: €-330k
2021: €-359k
2022: €-422k
2023: €94k
2024: €-33k
2018 → 2025
Total assets
€1.18M▼ 5.4%
2024 · €1.25M
2018: €1.29M
2019: €1.32M
2020: €1.20M
2021: €1.04M
2022: €933k
2023: €1.41M
2024: €1.25M
2018 → 2025
Net result
€-73k▲ 43.0%
2024 · €-127k
2018: €-86k
2019: €6k
2020: €-103k
2021: €-30k
2022: €-62k
2023: €-19k
2024: €-127k
2018 → 2025
Working capital
€-31k
2024 · €17k
2018: €70k
2019: €74k
2020: €18k
2021: €97k
2022: €82k
2023: €102k
2024: €17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-359k-€-422k▼ 17.4%€94k€-33k€-106k▼ 217%
Operating result€-15k-€-46k▼ 213%€639€-98k€-44k▲ 55.0%
Net result€-30k-€-62k▼ 111%€-19k▲ 68.9%€-127k▼ 556%€-73k▲ 43.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €44k in 2025 against €98k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.18M
Fixed assets
€1.02M▼ 6.0%
Current assets
€161k▼ 1.0%
Key figures and ratios
EBITDA
€72k▲
2024 · €15k
Cash flow
€43k▲
2024 · €-14k
Solvency
-9.0%▼
2024 · -2.7%
Current ratio
0.84▼
2024 · 1.12
Quick ratio
0.84▼
2024 · 1.12
Debt / equity
-12.16▲
2024 · -38.42
ROA
-6.1%▲
2024 · -10.2%
Interest coverage
2.54▲
2024 · 0.50
Debt
€1.29M▲
2024 · €1.28M
Debt ≤ 1 year
€191k▲
2024 · €145k
Debt > 1 year
€1.07M▼
2024 · €1.12M
Staff costs
€62k▲
2024 · €53k
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€1.25M€1.18M▼
Fixed assets21/28€1.09M€1.02M▼
Intangible fixed assets21-€25k
Tangible fixed assets22/27€1.09M€997k▼
Land and buildings22€1.03M€926k▼
Plant, machinery and equipment23€49k€60k▲
Furniture and vehicles24€9k€10k▲
Current assets29/58€162k€161k▼
Amounts receivable within one year40/41€102k€107k▲
Trade receivables40€96k€104k▲
Other amounts receivable41€5k€3k▼
Cash at bank and in hand54/58€49k€46k▼
Deferred charges and accrued income490/1€12k€8k▼
Equity and liabilities
Total equity and liabilities10/49€1.25M€1.18M▼
Equity10/15€-33k€-106k▼
Contributions10/11€70k€70k=
Capital10€70k€70k=
Issued capital100€70k€70k=
Revaluation surpluses12€482k€455k▼
Reserves13€86k€112k▲
Tax-exempt reserves132€33k€33k=
Distributable reserves133€54k€80k▲
Profit (loss) carried forward14€-671k€-744k▼
Amounts payable17/49€1.28M€1.29M▲
Amounts payable after more than one year17€1.12M€1.07M▼
Financial debts170/4€1.12M€1.07M▼
Amounts payable within one year42/48€145k€191k▲
Current portion of amounts payable after more than one year42€69k€71k▲
Trade debts44€16k€10k▼
Suppliers440/4€16k€10k▼
Taxes, remuneration and social security45€11k€8k▼
Taxes450/3€421€1k▲
Remuneration and social security454/9€11k€6k▼
Other amounts payable47/48€48k€103k▲
Accrued charges and deferred income492/3€13k€25k▲
Income statement
Code20242025
Remuneration, social security and pensions62€53k€62k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€113k€116k▲
Other operating charges640/8€17k€26k▲
Gross operating margin9900€84k€160k▲
Operating profit (loss)9901€-98k€-44k▲
Financial income75/76B€5-
Recurring financial income75€5-
Financial charges65/66B€29k€28k▼
Recurring financial charges65€29k€28k▼
Profit (loss) for the period before taxes9903€-127k€-73k▲
Profit (loss) for the period9904€-127k€-73k▲
Profit (loss) for the period to be appropriated9905€-127k€-73k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-671k€-744k▼
Profit (loss) brought forward from the previous period14P€-544k€-671k▼
Social balance
Average headcount (FTE)90871.11.0▼
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
Next filing, fiscal year 2026, expected by
2026
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Weakest financial yearnet €-127k
Net result drops to €-127k, the lowest in the series; recovery starts the following year.
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 31 days late
2023
04-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2022
13-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 13 days late
2021
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
20-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 20 days late
2019
30-09
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
22-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
16-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 16 days late
2017
15-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 15 days late
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, Gingelom · 2 establishment units since 1993
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.
Joseph van Hamontstraat 73890 GingelomGround area
5,711 m²
Building footprint
1,270 m²
Volume, LiDAR
9,129 m³
2 parcels, Flanders · tallest building 16.2 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
ALFA CONSULT
since 19932.063.587.007
Alfa Consult
since 20172.264.763.324
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71059A0380/00P000 | Flanders | 3,415 m² | 1 · 848 m² | 16.2 m · 3 fl. |
| 71322A0316/00G002 | Flanders | 2,296 m² | 1 · 423 m² | 8.9 m · 2 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 806 EUR awarded · 806 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 243 EUR | 243 EUR |
| 2024 | 1 | 189 EUR | 189 EUR |
| 2023 | 1 | 171 EUR | 171 EUR |
| 2022 | 1 | 203 EUR | 203 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,023 companies in sector 68203 we hold annual accounts for 5,986. 3,711 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded17-08-1993
Fiscal year end30-09
Activities, NACEBEL
66220Insurance agents and brokers
67201
68203Renting and operating of own or leased non-residential real estate, excluding land
70203
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.