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ARNAUD COURARD CONSULTING

Active
Private limited companyfounded 2019active for 7 yearsRue des Cévennes 16, 1325 Chaumont-Gistoux, BelgiumKBO/BCE: BE 0729.633.406
Summary

ARNAUD COURARD CONSULTING has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €203,595 and a net result of €25,637. Equity has been growing by about 23% per year since 2019. Its solvency ranks better than 57% of 39,272 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 01-07-2019 Normal situation
Activity
Business and other management consultancy NACE 70200
Establishment unit
2.293.410.590 1325 Chaumont-Gistoux, since 01-07-2019
Financial year end
31 December
Peppol
Reachable since 02-12-2025

Board and ownership

Board
  • Courard ArnaudDirector · since 01-07-2019

Financial position

92 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts 2025
Gross margin
€42,807
▼ 29.3%
Turnover
≈ €120,000
estimated
Profit
€25,637
▼ 26.2%
Equity
€203,595
▲ 14.4%
Total assets
€322,676
▲ 16.7%
  • 2025 accounts filed 27 days after the deadline
Score breakdownraises riskLiquidity: current ratio 0.70, cash €8,929lowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Size: total assets €322,676Figures for financial year 2025 (filed on 29-08-2026)Show the evidence

Checked score

Score 2025
92 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 46% of micro companies in head offices and management consultancy (NACE 70)
Financial strength · tick: 2024
Strong
Solvency 88-1
equity 63.1% of total assets
Liquidity 38-12
short-term debt 35.0% · cash 2.8%
Profitability 79-5
return on assets 7.9%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (48,531 companies, NACE 70, micro)
Last 24 months 12-2024: 0.1% 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025lowest value 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.3%▲ +0.2 percentage points vs 07-2026highest value 09-2026: 0.1%▼ -0.2 percentage points vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026 11-2026: 0.1%● unchanged vs 10-2026
Credit of up to €18,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.7 (0.92 in 2024), below 1. Short-term debt is 35% and cash 2.8% of total assets. 36.9% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 58% of them on solvency, 18% on liquidity, 45% on profitability and 62% on growth.

The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Sector: Activities of head offices; management consultancy activities (NACE 70)
KBO
lowers risk · Size: total assets €322,676
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 0.70, cash €8,929
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 29-08-2026)
NBB · annual accounts
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 7 filings
Deviation from the deadline
2025
27 days late
2024
66 days early
2023
16 days early
2022
31 days early
2021
32 days early
2020
9 days early
2019
32 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 23 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 June (4 of the last 5 accounts filed within 35 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: 7 profitable years in a rowprofit 2025: €25,637 7 years View

Recent changes

  1. · Gazette deed Incorporation
All 13 events

Comparable companies

These companies have the same main activity as ARNAUD COURARD CONSULTING: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €285,000 and €352,000, founded between 2018 and 2019.

CompanyTotal assetsGross margin
ARNAUD COURARD CONSULTING Chaumont-Gistoux€322,676€42,807
TM 28 CONSULTING Walhain€352,117€39,096
FELINEA Waterloo€284,881€47,213
PERCIL SOLUTIONS Court-Saint-Etienne€308,862€38,358
Kick It Off Chastre€346,519€48,879
TSU CONSULT Liège€304,128€43,681
BUNDELING BELGIUM Hasselt€349,079€41,707
Full comparison

Key facts about ARNAUD COURARD CONSULTING

What is the company number of ARNAUD COURARD CONSULTING?
The company number of ARNAUD COURARD CONSULTING is 0729.633.406. The VAT number is the same number with BE in front: BE 0729.633.406.
Where is ARNAUD COURARD CONSULTING based?
The registered office is at Rue des Cévennes 16, 1325 Chaumont-Gistoux.Company details
What does ARNAUD COURARD CONSULTING do?
According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
What is the legal form of ARNAUD COURARD CONSULTING?
The legal form of ARNAUD COURARD CONSULTING is Private limited company (BV).
When was ARNAUD COURARD CONSULTING founded?
ARNAUD COURARD CONSULTING was founded on 01-07-2019.
Is ARNAUD COURARD CONSULTING still active?
Yes, ARNAUD COURARD CONSULTING is an active enterprise in the KBO register.
What is the turnover of ARNAUD COURARD CONSULTING?
The turnover in financial year 2025 is ≈ €120,000. This figure is estimated from the gross margin of €42,807 and 145 comparable companies (NACE 70200). It probably lies between €72,000 and €170,000.Financials
Is ARNAUD COURARD CONSULTING profitable?
In financial year 2025, ARNAUD COURARD CONSULTING made a profit of €25,637.
Where can I find the annual accounts of ARNAUD COURARD CONSULTING?
ARNAUD COURARD CONSULTING filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of ARNAUD COURARD CONSULTING due?
ARNAUD COURARD CONSULTING must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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