B.A.L. CONSEILS

Private limited companyfounded 1997active for 29 yearsRue Haute(VIS) 54, 4600 Visé, BelgiumKBO/BCE: BE 0460.468.304

Summary

B.A.L. CONSEILS 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 €110,434 and a net result of €141,573. Equity is shrinking by about 3.4% per year across the filed financial years. Its solvency ranks better than 44% of 1,831 sector peers (NACE 66, financial year 2025). The company has been active since 1997 and the Belgian Official Gazette contains no insolvency or warning signals.

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B.A.L. CONSEILSActive

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Activity

Insurance agents and brokers

NACE 66220Other activities auxiliary to financial services, excluding insurance and pension funding NACE 66199

4th oldest company in Visé, Finance and insurance sector1 site

Size

€338,500total assets 2025

Staff: 3.3 FTE
Equity: €110,434
Profit: €141,573

Financial health

Financial institution: outside the modelBankruptcy probability: sector outside the model

Structure

Parent: J-L INVEST · 69.56%

Accounts 28 days early1 of 4 deeds read

SignalsneutralLatest accounts filed on timeShow the evidence

Checked score

Outside the general model

Model not applicable to financial institutions

The Checked 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.

Bankruptcy probability, 12 months

This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.

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Signals

1 signal.

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 03-07-2026, 28 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

28 days early

2024

9 days early

2023

9 days early

2022

3 days early

2021

27 days early

2020

24 days late

2019

17 days early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 10 days before the deadline; the sector median (NACE 66) for financial year 2024 is 5 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)

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 22 July (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

19-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

21-08-2026 Resignation: Patrick Burnay (director)Gazette deed
03-07-2026 Annual accounts filedfinancial year 2025 · abbreviated…
22-07-2025 Annual accounts filedfinancial year 2024 · full…

Key points

Positive: 4th oldest company in Visé, Finance and insurance sectorin the Checked rankings No. 4 View
Controlled by J-L INVEST 69.56% View
Positive: 6 profitable years in a rowprofit 2025: €141,573 6 years View
A director leftlatest change 23-07-2026 · 0 in office 1 left View
Positive: Filed on time since financial year 2021accounts within the deadline every year 5 years View