ARDO CONSULTING
ActiveARDO CONSULTING has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €133k and a net result of €39k. Equity is growing by ~85.7% per year across the filed fiscal years. Its solvency ranks better than 67% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▼-4
Solvency99▲+16
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 2.4 against 1.51 in 2024; short-term debt: 25.6% and cash: 20.9% of total assets), and 25.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
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
74.4%
Return on assets
21.9%
Age of the figures
9 mo
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 02-07-2026, 29 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
29 d early
2024
48 d early
2023
5 d early
2022
35 d early
2021
5 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€133k▲ 40.5%
2024 · €94k
2021: €12k
2022: €27k
2023: €34k
2024: €94k
2021 → 2025
Total assets
€179k▲ 9.9%
2024 · €162k
2021: €27k
2022: €58k
2023: €61k
2024: €162k
2021 → 2025
Net result
€39k▼ 35.1%
2024 · €60k
2021: €2k
2022: €15k
2023: €7k
2024: €60k
2021 → 2025
Working capital
€64k▲ 83.6%
2024 · €35k
2021: €5k
2022: €23k
2023: €30k
2024: €35k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12k-€27k▲ 130%€34k▲ 27.5%€94k▲ 177%€133k▲ 40.5%
Operating result€2k-€22k▲ 847%€11k▼ 49.5%€83k▲ 658%€55k▼ 33.3%
Net result€2k-€15k▲ 814%€7k▼ 51.4%€60k▲ 719%€39k▼ 35.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 33% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €179k
Fixed assets
€69k▲ 15.4%
Current assets
€110k▲ 6.7%
Equity and liabilities €179k
Equity
€133k▲ 40.5%
Debt
€46k▼ 32.6%
The debt ratio falls from 41.8% to 25.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€72k▼
2024 · €97k
Cash flow
€55k▼
2024 · €74k
Solvency
74.4%▲
2024 · 58.2%
Current ratio
2.40▲
2024 · 1.51
Quick ratio
2.40▲
2024 · 1.51
Debt / equity
0.34▼
2024 · 0.72
ROE
29.5%▼
2024 · 63.8%
ROA
21.9%▼
2024 · 37.1%
Interest coverage
49.91▼
2024 · 865.08
Debt
€46k▼
2024 · €68k
Debt ≤ 1 year
€46k▼
2024 · €68k
Income taxes
€16k▼
2024 · €23k
Staff costs
€18k
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€162k€179k▲
Fixed assets21/28€60k€69k▲
Intangible fixed assets21-€4k
Tangible fixed assets22/27€60k€65k▲
Plant, machinery and equipment23€2k€21k▲
Furniture and vehicles24€58k€44k▼
Financial fixed assets28-€210
Current assets29/58€103k€110k▲
Amounts receivable after more than one year29-€375
Trade receivables290-€375
Amounts receivable within one year40/41€2k€4k▲
Trade receivables40€1k€4k▲
Other amounts receivable41€727€129▼
Current investments50/53€31k€68k▲
Cash at bank and in hand54/58€69k€37k▼
Deferred charges and accrued income490/1€715€0▼
Equity and liabilities
Total equity and liabilities10/49€162k€179k▲
Equity10/15€94k€133k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€84k€123k▲
Amounts payable17/49€68k€46k▼
Amounts payable within one year42/48€68k€46k▼
Trade debts44€670€5k▲
Suppliers440/4€670€5k▲
Taxes, remuneration and social security45€36k€38k▲
Taxes450/3€36k€36k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€31k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€18k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€16k▲
Other operating charges640/8€4k€2k▼
Gross operating margin9900€100k€92k▼
Operating profit (loss)9901€83k€55k▼
Financial income75/76B€593€1k▲
Recurring financial income75€593€1k▲
Financial charges65/66B€112€1k▲
Recurring financial charges65€112€1k▲
Profit (loss) for the period before taxes9903€84k€55k▼
Income taxes67/77€23k€16k▼
Profit (loss) for the period9904€60k€39k▼
Profit (loss) for the period to be appropriated9905€60k€39k▼
Appropriation of the result
Profit (loss) to be appropriated9906€84k€124k▲
Profit (loss) brought forward from the previous period14P€24k€84k▲
Profit to be distributed694/7-€833
Return on contributions (dividend)694-€833
The notes to these accounts (13 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €133k ▲40.5%
5 profitable years in a row build equity to €133k.
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €60k ▲719%
Operating result €83k, net result €60k, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 5 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Chaumont-Gistoux · 1 establishment unit since 2021
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.
Rue des Sables 301325 Chaumont-GistouxGround area
3,355 m²
Building footprint
134 m²
Volume, LiDAR
908 m³
Parcel 25018E0295/00G000, Wallonia · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ARDO CONSULTING
since 20212.312.838.603
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25018E0295/00G000 | Wallonia | 3,355 m² | 1 · 134 m² | 9.9 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.
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Of 16,887 companies in sector 62100 we hold annual accounts for 8,777. 6,901 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2020
Fiscal year end31-12
Trade name FR
CloudNot
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62200Computer consultancy and computer facilities management
62020IT consultancy
62030Computer programming, consultancy and related activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.
Contact details
3 entriesE-mail:arthur@ardoconsulting.be
Phone:+3210397500
Phone:+32471862700