ASSUCONSULT - AVLB
ActiveSummary
ASSUCONSULT - AVLB has been active since 2009 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.2m and a net result of €247,663. Equity has been growing by about 19% per year since 2018. Its solvency ranks better than 84% of 10,826 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 20-02-2009 Normal situation
- Activity
- Business and other management consultancy NACE 70200and 1 other
- Establishment unit
- 2.183.783.170 9400 Ninove, since 11-02-2009
- Financial year end
- 31 December
- Peppol
- Reachable since 16-12-2025
Board and ownership
- FORZADirector · permanent representative TIMMERMANS Jan
- FORZA66.66%· score 912025 annual accounts of FORZA
Financial position
- Bankruptcy probabilitywithin 12 months
- < 0.1%
- Gross margin
- €590,943
- ▲ 6.1%
- Turnover
- ≈ €900,000
- estimated
- Profit
- €247,663
- ▼ 1.9%
- Equity
- €1.2m
- ▲ 13.6%
- Total assets
- €1.4m
- ▲ 12.1%
- Employees on 31-12-2025
- 4
- =
Score breakdownlowers riskLiquidity: current ratio 6.00, cash €496,078Equity €1.2m (87.7% of total assets)Figures for financial year 2025 (filed on 22-05-2026)Sector: Activities of head offices; management consultancy activities (NACE 70)Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 86% of them on solvency, 88% on liquidity, 61% on profitability and 61% on growth.
The bankruptcy probability was computed on 04-11-2026 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
The company filed its last 7 accounts on average 56 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)
Financials
Financials · financial year 2025, abbreviated format
Annual accounts 2025 filed on 22-05-2026 PDF all 16 filings
Every figure per financial year
The operating result for 2025 is 3% higher than in 2024. It is a recovery after the fall in 2024.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Staff
| Item | 31-12-2021 | 31-12-2022 | 31-12-2023 | 31-12-2024 | 31-12-2025 |
|---|---|---|---|---|---|
| Employees at the balance-sheet date | 3 | 3 | 3 | 4 | 4 |
| full-time | 1 | 1 | 1 | 2 | 2 |
| part-time | 2 | 2 | 2 | 2 | 2 |
| in full-time equivalents | 1.9 | 1.9 | 1.9 | 2.9 | 2.9 |
| Average over the year, in full-time equivalents | 1.5 | 1.9 | 1.9 | 2.2 | 2.6 |
| On a permanent contract | 3 | 3 | 3 | 4 | 4 |
| Joined | 4 | 2 | - | 1 | 1 |
| Left | 4 | 2 | - | 0 | 1 |
Source: social balance sheet in the 2021 to 2025 annual accounts
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €1,540 | €1,189 | €30,109 | €38,932 | €2,305 |
| Intangible fixed assets | €34,774 | €5,420 | €348,800 | - | - |
| Depreciation and write-downs of the year | €62,043 | €63,742 | €70,514 | €76,634 | €71,265 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €83,218 | €120,196 | €123,860 | €149,856 | €178,041 | ▲ 18.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €145,580 | €63,138 | €55,770 | €62,043 | €63,742 | €70,514 | €76,634 | €71,265 | ▼ 7.0% |
| Other operating charges640/8 | - | - | - | €528 | €593 | €895 | €1,673 | €1,570 | ▼ 6.2% |
| Gross operating margin9900 | €367,842 | €338,273 | €384,132 | €390,403 | €416,965 | €536,586 | €557,113 | €590,943 | ▲ 6.1% |
| Operating profit (loss)9901 | €135,102 | €185,538 | €251,212 | €244,615 | €232,434 | €341,317 | €328,949 | €340,068 | ▲ 3.4% |
| Financial income75/76B | - | - | - | €4 | €4 | €2,410 | €164 | €1,105 | ▲ 576% |
| Recurring financial income75 | - | - | - | €4 | €4 | €2,410 | €164 | €1,105 | ▲ 576% |
| Financial charges65/66B | - | - | - | €171 | €216 | €272 | €215 | €566 | ▲ 164% |
| Recurring financial charges65 | €6,729 | €3,132 | €392 | €171 | €216 | €272 | €215 | €566 | ▲ 164% |
| Profit (loss) for the period before taxes9903 | €128,373 | €182,406 | €250,820 | €244,448 | €232,222 | €343,455 | €328,898 | €340,607 | ▲ 3.6% |
| Income taxes67/77 | €26,500 | €47,302 | €63,678 | €57,001 | €64,928 | €83,725 | €76,516 | €92,944 | ▲ 21.5% |
| Profit (loss) for the period9904 | €101,873 | €135,104 | €187,142 | €187,447 | €167,293 | €259,730 | €252,382 | €247,663 | ▼ 1.9% |
| Profit (loss) for the period to be appropriated9905 | €101,873 | €135,104 | €187,142 | €187,447 | €167,293 | €259,730 | €252,382 | €247,663 | ▼ 1.9% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €0.5m | €0.5m | €0.6m | €0.8m | €0.9m | €1.1m | €1.2m | €1.4m | ▲ 12.1% |
| Fixed assets21/28 | €0.3m | €0.2m | €0.2m | €0.2m | €0.2m | €0.5m | €0.4m | €0.4m | ▼ 16.1% |
| Intangible fixed assets21 | €0.3m | €0.2m | €0.2m | €0.2m | €0.2m | €0.4m | €0.4m | €0.3m | ▼ 15.3% |
| Tangible fixed assets22/27 | €0.003m | €0.003m | €0.002m | €0.003m | €0.003m | €0.03m | €0.06m | €0.04m | ▼ 21.9% |
| Furniture and vehicles24 | - | - | - | €0.003m | €0.003m | €0.03m | €0.06m | €0.04m | ▼ 21.9% |
| Current assets29/58 | €0.2m | €0.3m | €0.4m | €0.5m | €0.7m | €0.6m | €0.8m | €1.0m | ▲ 27.5% |
| Amounts receivable within one year40/41 | €0.07m | €0.06m | €0.07m | €0.1m | €0.06m | €0.4m | €0.4m | €0.4m | ▼ 6.4% |
| Trade receivables40 | - | - | - | €139 | - | - | - | €0.004m | - |
| Other amounts receivable41 | - | - | - | €0.1m | €0.06m | €0.4m | €0.4m | €0.4m | ▼ 7.3% |
| Current investments50/53 | €0.09m | €0.09m | €0.09m | €0.2m | €0.2m | €0.05m | €0.05m | €0.05m | = |
| Cash at bank and in hand54/58 | €0.08m | €0.1m | €0.2m | €0.3m | €0.5m | €0.1m | €0.3m | €0.5m | ▲ 54.0% |
| Deferred charges and accrued income490/1 | - | - | - | - | - | - | - | €0.07m | - |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €0.5m | €0.5m | €0.6m | €0.8m | €0.9m | €1.1m | €1.2m | €1.4m | ▲ 12.1% |
| Equity10/15 | €0.4m | €0.4m | €0.5m | €0.7m | €0.7m | €0.9m | €1.1m | €1.2m | ▲ 13.6% |
| Contributions10/11 | €0.02m | €0.02m | - | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Reserves13 | €0.3m | €0.4m | €0.5m | €0.6m | €0.7m | €0.9m | €1.0m | €1.2m | ▲ 13.9% |
| Non-distributable reserves130/1 | - | - | - | €0.002m | €0.002m | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €0.002m | €0.002m | - | - | - | - |
| Distributable reserves133 | - | - | - | €0.6m | €0.7m | €0.9m | €1.0m | €1.2m | ▲ 13.9% |
| Amounts payable17/49 | €0.2m | €0.1m | €0.1m | €0.1m | €0.1m | €0.2m | €0.2m | €0.2m | ▲ 2.8% |
| Amounts payable after more than one year17 | €0.005m | - | - | - | - | - | - | - | - |
| Amounts payable within one year42/48 | €0.2m | €0.1m | €0.1m | €0.1m | €0.1m | €0.2m | €0.2m | €0.2m | ▲ 4.3% |
| Trade debts44 | €0.01m | €0.02m | €0.01m | €0.02m | €0.009m | €0.01m | €0.01m | €0.01m | ▲ 11.6% |
| Suppliers440/4 | - | - | - | €0.02m | €0.009m | €0.01m | €0.01m | €0.01m | ▲ 11.6% |
| Advances received on contracts in progress46 | - | - | - | €395 | - | - | - | - | - |
| Taxes, remuneration and social security45 | - | - | - | €0.02m | €0.03m | €0.05m | €0.05m | €0.03m | ▼ 45.1% |
| Taxes450/3 | - | - | - | €0.02m | €0.02m | €0.03m | €0.03m | €0.01m | ▼ 63.9% |
| Remuneration and social security454/9 | - | - | - | €0.006m | €0.02m | €0.02m | €0.02m | €0.02m | ▼ 20.7% |
| Other amounts payable47/48 | - | - | - | €0.06m | €0.06m | €0.09m | €0.1m | €0.1m | ▲ 30.0% |
| Accrued charges and deferred income492/3 | - | - | - | €0.001m | €0.04m | €169 | €0.002m | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €101,873 | €135,104 | €187,142 | €187,447 | €167,293 | €259,730 | €252,382 | €247,663 | ▼ 1.9% |
| + Depreciation and write-downs630 | €145,580 | €63,138 | €55,770 | €62,043 | €63,742 | €70,514 | €76,634 | €71,265 | ▼ 7.0% |
| Operating cash flow (approximation) | €247,453 | €198,242 | €242,913 | €249,489 | €231,035 | €330,244 | €329,016 | €318,928 | ▼ 3.1% |
| Investment in fixed assets (approximation) | - | -€2,524 | -€57,250 | -€36,314 | -€6,610 | -€378,909 | -€38,932 | -€2,305 | ▲ 94.1% |
| Change in cash | - | €67,076 | €101,495 | €5,062 | €228,274 | -€350,548 | €189,601 | €173,856 | ▼ 8.3% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 34,693 companies had the same profile as ASSUCONSULT - AVLB has now. Two years later, 95.3% were still going and 0.7% had gone bankrupt.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
That fits the bankruptcy probability of ASSUCONSULT - AVLB itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 34,693 companies, not a prediction for ASSUCONSULT - AVLB. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Latest 10 of 16 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 22-05-2026 | 2026-00118176 | |
| 31-12-2024 | micro format | 28-03-2025 | 2025-00056511 | |
| 31-12-2023 | micro format | 21-06-2024 | 2024-00148437 | |
| 31-12-2022 | micro format | 07-07-2023 | 2023-00213514 | |
| 31-12-2021 | micro format | 17-06-2022 | 2022-20069172 | |
| 31-12-2020 | micro format | 28-05-2021 | 2021-15700265 | |
| 31-12-2019 | micro format | 03-07-2020 | 2020-25800331 | |
| 31-12-2018 | micro format | 27-09-2019 | 2019-66400127 | |
| 31-12-2017 | micro format | 27-09-2018 | 2018-66200444 | |
| 31-12-2016 | micro format | 28-06-2017 | 2017-23400172 |
Board & ownership
Directors
Board 1
Permanent representatives 1
Owners and capital
Shareholders
1 ownerChain of control
- FORZA
- ASSUCONSULT - AVLB
Owners 1
- FORZAparentSourceaccounts FORZA 2025Equity €195,706 Profit of €45,871 in 2025 (profit of €39,079 in 2024) Checked score 9166.66%
Capital transactions
- 14-11-2022 Converted to unavailable equity · €26,400
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| FORZA |
|
| AVLB |
|
| Kantoor De Becker |
|
| Van de Perre Carine |
|
Network & group
Companies at the same address
1 other companyConnections & network
1 current directorThe network starts from the directors of ASSUCONSULT - AVLB. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
14-07
Gazette deed
Resignations: AVLB BV (director) and Kantoor De Becker VOF (director)Director discharge: AVLB BV · Director discharge: Kantoor De Becker VOF6 points ▸
- Registered office clause, Brusselsesteenweg 208, 9402 Ninove
- General meeting, 01-06-2026
- Director resignation, AVLB BV (director)
- Director resignation, Kantoor De Becker VOF (director)
- Director discharge, AVLB BV
- Director discharge, Kantoor De Becker VOF
30-07
Gazette deed
Resignation: Van de Perre Carine (director)2 points ▸
- General meeting, 30-06-2025
- Director resignation, Van de Perre Carine (director)
14-11
Gazette deed
4 directors appointedAppointments: FORZA, AVLB and 2 others · Permanent representatives: TIMMERMANS Jan, DE WOLF Johan and VAN DEN PERRE Luc · Legal-form conversion: from private limited company (pre-2019) to private limited company10 points ▸
- General meeting, 28-10-2022
- Legal-form conversion, from private limited company (pre-2019) to private limited company
- Director appointment, FORZA (director (not named in the articles))
- Permanent representative, TIMMERMANS Jan
- Director appointment, AVLB (director (not named in the articles))
- Permanent representative, DE WOLF Johan
- Director appointment, VAN DE PERRE Carine (director (not named in the articles))
- Director appointment, KANTOOR DE BECKER (bijkomend niet statutair bestuurder)
- Permanent representative, VAN DEN PERRE Luc
- Registered office clause, Brusselsesteenweg 208, 9402 Ninove (Meerbeke)
- The act holds 4 more points.
Show earlier events
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
7 activities
- Het uitoefenen van de activiteiten van verzekeringsproducent als makelaar. Het onderzoeken, waarborgen en toestaan van leningen, voorschotten en andere financiële verrichtingen, leasing van roerende en onroerende goederen, alsook de vertegenwoordiging van alle lening-, leasing-, verzekerings- en financiële maatschappijen.
- Het verlenen van strategisch, bedrijfseconomisch, technisch, financieel en juridisch advies, management en andere diensten voor ondernemingen, instellingen en verenigingen,
- De vennootschap mag eveneens alle handelingen stellen in verband met het organiseren en inrichten van seminaries, congressen, studiedagen, studiereizen en dergelijke, het publiceren van boeken, tijdschriften en allerhande uitgaven, het verwerven, exploiteren en verkavelen van brevetten en octrooien, licenties en handelsmerken.
- De vennootschap mag eveneens handel drijven in vastgoed, kopen en verkopen van onroerende goederen en rechten als beroepsoprichter of toevallig oprichter. Zij mag ook het beheer voeren van vastgoed alsook het huren en verhuren ervan.
- De vennootschap mag alle daden stellen voor het kopen en verkopen, het huren en verhuren van machines, installaties en uitrustingsgoederen.
- De vennootschap mag eveneens alle zakelijke rechten vestigen alsook het ontbinden ervan.
- De vennootschap mag deelnemen in het vermogen en in het bestuur van andere vennootschappen.
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 41038A0045/00C002 | Flanders | 2,552 m² | 1 · 808 m² | 8.7 m · 2 |