ANSEL
ActiveSummary
ANSEL has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €109k and a net result of €288. Equity is growing by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability19▼-54
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 76.77 against 54.51 in 2024; short-term debt: 1.3% and cash: 7.7% of total assets), and 1.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 70
Relative position
BE, all sectors
reference
Sector 70
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
98.7%
Return on assets
0.3%
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
28 d late
2023
23 d late
2022
11 d early
2021
32 d early
2020
12 d early
2019
88 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
€109k▲ 0.3%
2024 · €109k
2018: €54k
2019: €62k
2020: €74k
2021: €84k
2022: €94k
2023: €105k
2024: €109k
2018 → 2025
Total assets
€110k▼ 0.3%
2024 · €111k
2018: €131k
2019: €140k
2020: €158k
2021: €172k
2022: €158k
2023: €116k
2024: €111k
2018 → 2025
Net result
€288▼ 91.7%
2024 · €3k
2018: €863
2019: €8k
2020: €12k
2021: €10k
2022: €10k
2023: €12k
2024: €3k
2018 → 2025
Working capital
€108k▲ 0.7%
2024 · €108k
2018: €53k
2019: €65k
2020: €77k
2021: €93k
2022: €99k
2023: €108k
2024: €108k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€84k-€94k▲ 12.0%€105k▲ 12.3%€109k▲ 3.3%€109k▲ 0.3%
Operating result€17k-€14k▼ 17.9%€9k▼ 32.6%€525▼ 94.4%€-3k
Net result€10k-€10k▲ 2.4%€12k▲ 15.1%€3k▼ 69.9%€288▼ 91.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €525 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €110k
Fixed assets
€495 ▼ 50.7%
Current assets
€110k ▲ 0.2%
Equity and liabilities €110k
Equity
€109k ▲ 0.3%
Debt
€1k ▼ 28.9%
Debt's share of the balance-sheet total falls from 1.8% to 1.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€-3k▼
2024 · €1k
Cash flow
€797▼
2024 · €4k
Current ratio
76.77▲
2024 · 54.51
Quick ratio
76.75▲
2024 · 54.47
Debt to equity
0.01▼
2024 · 0.02
ROE
0.3%▼
2024 · 3.2%
ROA
0.3%▼
2024 · 3.1%
Interest coverage
-27.31▼
2024 · 11.79
Debt ≤ 1 year
€1k▼
2024 · €2k
Income taxes
€96▼
2024 · €645
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€111k€110k▼
Fixed assets21/28€1k€495▼
Tangible fixed assets22/27€1k€495▼
Furniture and vehicles24€1k€495▼
Current assets29/58€110k€110k▲
Stocks and contracts in progress3€98€39▼
Stocks30/36€98€39▼
Amounts receivable within one year40/41€649€1k▲
Other amounts receivable41€649€1k▲
Current investments50/53€100k€100k=
Cash at bank and in hand54/58€9k€8k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€111k€110k▼
Equity10/15€109k€109k▲
Contributions10/11€40k€40k=
Reserves13€69k€69k▲
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€65k€65k▲
Provisions and deferred taxes16€0-
Provisions for liabilities and charges160/5€0-
Major repairs and maintenance162€0-
Amounts payable17/49€2k€1k▼
Amounts payable within one year42/48€2k€1k▼
Trade debts44€941€1k▲
Suppliers440/4€941€1k▲
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€1k€227▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€653€510▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€-2k€0▲
Other operating charges640/8€678€694▲
Gross operating margin9900€287€-2k▼
Operating profit (loss)9901€525€-3k▼
Financial income75/76B€4k€4k▲
Recurring financial income75€4k€4k▲
Financial charges65/66B€100€109▲
Recurring financial charges65€100€109▲
Profit (loss) for the period before taxes9903€4k€383▼
Income taxes67/77€645€96▼
Profit (loss) for the period9904€3k€288▼
Profit (loss) for the period to be appropriated9905€3k€288▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€288▼
Transfer to equity691/2€3k€288▼
To other reserves6921€3k€288▼
The notes to these accounts (12 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €288 ▼91.7%
Net result drops to €288, the lowest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 54.51
Current ratio from 15.85 to 54.51; short-term debt falls from €7k to €2k.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Liquidity times 6current ratio 15.85
Current ratio from 2.68 to 15.85; short-term debt falls from €59k to €7k.
31-12
Financial
Equity above €100kEq €105k ▲12.3%
6 profitable years in a row build equity to €105k.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €12k ▲49.5%
Net result €12k, the highest in the series.
04-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
05-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-06
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
3 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, Destelbergen · 1 establishment unit since 2012
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.
Puntweg(HEU) 179070 DestelbergenGround area
2,843 m²
Building footprint
159 m²
Volume, LiDAR
944 m³
Parcel 44028D0548/00R000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ANSEL
since 20122.213.319.769
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44028D0548/00R000 | Flanders | 2,843 m² | 1 · 159 m² | 9.1 m · 2 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.
Similar companies · same sector, comparable size
MYSC
BE 0760.489.502
Tervuren · Eq €108,935
RESURGAM
BE 0477.634.532
Kapellen · Eq €108,934
GREEN PHOENIX CONSULTANCY
BE 0524.850.865
Jette · Eq €108,934
BLUE GOAT
BE 0799.495.675
Gent · Eq €108,929
AQUILA FORTIS
BE 0793.253.231
Gingelom · Eq €108,927
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,725 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
Founded13-09-2012
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
46190Agents in non-specialised wholesale trade
58110Book publishing
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.