AST CONSULT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €70k and a net result of €-2k. Equity is shrinking by ~11.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 2429 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 20-05-2026, 72 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
72 d early
2024
43 d early
2023
2 d early
2022
11 d early
2021
29 d early
2020
11 d early
2019
59 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€70k▼ 3.0%
2024 · €72k
2018: €9k
2019: €147k
2020: €319k
2021: €105k
2022: €92k
2023: €79k
2024: €72k
2018 → 2025
Net result
€-2k▲ 67.7%
2024 · €-7k
2018: €184k
2019: €107k
2020: €172k
2021: €36k
2022: €-14k
2023: €-13k
2024: €-7k
2018 → 2025
Total assets
€72k▼ 2.2%
2024 · €73k
2018: €276k
2019: €299k
2020: €411k
2021: €363k
2022: €107k
2023: €80k
2024: €73k
2018 → 2025
Solvency
98.1%▼ 0.9pp
2024 · 98.9%
2018: 3.4%
2019: 49.3%
2020: 77.6%
2021: 29.0%
2022: 86.1%
2023: 99.4%
2024: 98.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€105k-€92k▼ 12.9%€79k▼ 13.8%€72k▼ 8.6%€70k▼ 3.0%
Operating result€59k-€-12k€-12k▼ 0.1%€-7k▲ 44.2%€-2k▲ 65.8%
Net result€36k-€-14k€-13k▲ 6.6%€-7k▲ 46.2%€-2k▲ 67.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €7k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €72k
Fixed assets
€225=
Current assets
€71k▼ 2.2%
Equity and liabilities €72k
Equity
€70k▼ 3.0%
Debt
€1k▲ 76.2%
The debt ratio rises from 1.1% to 1.9%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
98.1%▼
2024 · 98.9%
ROE
-3.1%▲
2024 · -9.4%
ROA
-3.1%▲
2024 · -9.3%
Debt
€1k▲
2024 · €782
Debt ≤ 1 year
€1k▲
2024 · €782
Income taxes
€33▼
2024 · €123
Staff costs
€1k▼
2024 · €3k
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€73k€72k▼
Fixed assets21/28€225€225=
Financial fixed assets28€225€225=
Current assets29/58€73k€71k▼
Amounts receivable after more than one year29€30k€30k=
Trade receivables290€30k€30k=
Amounts receivable within one year40/41€2k€28k▲
Other amounts receivable41€2k€28k▲
Cash at bank and in hand54/58€40k€13k▼
Deferred charges and accrued income490/1€150€65▼
Equity and liabilities
Total equity and liabilities10/49€73k€72k▼
Equity10/15€72k€70k▼
Contributions10/11€37k€37k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€33k€31k▼
Amounts payable17/49€782€1k▲
Amounts payable within one year42/48€782€1k▲
Trade debts44€574€1k▲
Suppliers440/4€574€1k▲
Taxes, remuneration and social security45€208-
Taxes450/3€208-
Income statement
Code20242025
Remuneration, social security and pensions62€3k€1k▼
Gross operating margin9900€-4k€-1k▲
Operating profit (loss)9901€-7k€-2k▲
Financial income75/76B€409€359▼
Recurring financial income75€409€359▼
Financial charges65/66B€142€150▲
Recurring financial charges65€142€150▲
Profit (loss) for the period before taxes9903€-7k€-2k▲
Income taxes67/77€123€33▼
Profit (loss) for the period9904€-7k€-2k▲
Profit (loss) for the period to be appropriated9905€-7k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€31k▼
Profit (loss) brought forward from the previous period14P€40k€33k▼
The notes to these accounts (4 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
20-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 24current ratio 172.93
Current ratio from 7.15 to 172.93; short-term debt falls from €15k to €459.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-14k ▼138%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 5current ratio 7.15
Current ratio from 1.41 to 7.15; short-term debt falls from €258k to €15k.
02-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 4.45
Current ratio from 1.95 to 4.45; short-term debt falls from €151k to €92k.
31-12
Financial
Equity above €200kEq €319k ▲117%
3 profitable years in a row build equity to €319k.
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100kEq €147k ▲1457%
2 profitable years in a row build equity to €147k.
04-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Morlanwelz · 1 establishment unit since 2017
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 de la Gade(CAR) 627141 MorlanwelzGround area
1,656 m²
Building footprint
96 m²
Parcel 56015D0452/00D000, Wallonia. Linked by address, not a title deed.
1 establishment unit
AST CONSULT
since 20172.263.091.459
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56015D0452/00D000 | Wallonia | 1,656 m² | 1 · 96 m² | - |
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
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ZAKENKANTOOR BUYSSE-STEYAERT
BE 0435.770.025
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Kantoor Walravens
BE 1015.023.836
Halle · Eq €70k
PROSPERITAS
BE 0810.434.109
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MEZZINO
BE 0541.449.842
Mons · Eq €71k
Of 1,680 companies in sector 66191 we hold annual accounts for 1,229. 975 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-03-2017
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.