B.A.L. CONSEILS
ActiveB.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 €110k and a net result of €142k. Equity is shrinking by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 43% of 1461 sector peers (fiscal year 2025). The company has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals.
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
9 d early
2023
9 d early
2022
3 d early
2021
27 d early
2020
24 d late
2019
17 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€110k=
2024 · €110k
2018: €134k
2020: €168k
2021: €168k
2022: €110k
2023: €110k
2024: €110k
2018 → 2025
Net result
€142k▼ 4.4%
2024 · €148k
2018: €3k
2020: €135k
2021: €101k
2022: €79k
2023: €72k
2024: €148k
2018 → 2025
Total assets
€338k▼ 8.8%
2024 · €371k
2018: €386k
2020: €609k
2021: €505k
2022: €422k
2023: €310k
2024: €371k
2018 → 2025
Solvency
32.6%▲ 2.9pp
2024 · 29.7%
2018: 34.7%
2020: 27.6%
2021: 33.3%
2022: 26.2%
2023: 35.6%
2024: 29.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€168k-€110k▼ 34.3%€110k=€110k=€110k=
Operating result€146k-€114k▼ 22.0%€103k▼ 9.3%€207k▲ 101%€184k▼ 11.2%
Net result€101k-€79k▼ 21.2%€72k▼ 9.8%€148k▲ 107%€142k▼ 4.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €338k
Fixed assets
€34k▼ 21.8%
Current assets
€305k▼ 7.1%
Equity and liabilities €338k
Equity
€110k=
Debt
€228k▼ 12.6%
The debt ratio falls from 70.3% to 67.4%: debt is paid down.
Key figures and ratios
Solvency
32.6%▲
2024 · 29.7%
ROE
128.2%▼
2024 · 134.0%
ROA
41.8%▲
2024 · 39.9%
Debt
€228k▼
2024 · €261k
Debt ≤ 1 year
€228k▼
2024 · €258k
Income taxes
€44k▼
2024 · €59k
Staff costs
€153k▲
2024 · €148k
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€371k€338k▼
Fixed assets21/28€43k€34k▼
Tangible fixed assets22/27€43k€33k▼
Furniture and vehicles24€11k€8k▼
Other tangible fixed assets26€32k€25k▼
Financial fixed assets28€280€280=
Current assets29/58€328k€305k▼
Amounts receivable after more than one year29€5k€2k▼
Trade receivables290€5k€2k▼
Amounts receivable within one year40/41€45k€62k▲
Trade receivables40€35k€39k▲
Other amounts receivable41€11k€23k▲
Current investments50/53€100k€200k▲
Cash at bank and in hand54/58€174k€23k▼
Deferred charges and accrued income490/1€4k€17k▲
Equity and liabilities
Total equity and liabilities10/49€371k€338k▼
Equity10/15€110k€110k=
Contributions10/11€25k€25k=
Profit (loss) carried forward14€86k€86k=
Amounts payable17/49€261k€228k▼
Amounts payable after more than one year17€3k-
Financial debts170/4€3k-
Amounts payable within one year42/48€258k€228k▼
Current portion of amounts payable after more than one year42€35k€3k▼
Trade debts44€19k€25k▲
Suppliers440/4€19k€25k▲
Taxes, remuneration and social security45€53k€57k▲
Taxes450/3€32k€33k▲
Remuneration and social security454/9€21k€24k▲
Other amounts payable47/48€151k€143k▼
Income statement
Code20242025
Remuneration, social security and pensions62€148k€153k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€14k▼
Other operating charges640/8€6k€4k▼
Gross operating margin9900€385k€356k▼
Operating profit (loss)9901€207k€184k▼
Financial income75/76B€2k€5k▲
Recurring financial income75€2k€5k▲
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€1k▼
Non-recurring financial charges66B-€2k
Profit (loss) for the period before taxes9903€207k€185k▼
Income taxes67/77€59k€44k▼
Profit (loss) for the period9904€148k€142k▼
Profit (loss) for the period to be appropriated9905€148k€142k▼
Appropriation of the result
Profit (loss) to be appropriated9906€234k€227k▼
Profit (loss) brought forward from the previous period14P€86k€86k=
Profit to be distributed694/7€148k€142k▼
Return on contributions (dividend)694€148k€142k▼
Social balance
Average headcount (FTE)90873.63.3▼
The notes to these accounts (11 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
21-08
State Gazette act
Resignations & appointmentsGeneral meeting · Director resignation2 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director resignation2 facts ▸
- General meeting, 2026-07-24
- Director resignation, Patrick Burnay (administrateur)
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €148k ▲107%
Operating result €207k, net result €148k, both a record.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 24 days late
2020
31-12
Financial
Equity above €150kEq €168k ▲25.8%
2 profitable years in a row build equity to €168k.
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
15-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
23-07-2026
Resigned as Director
Location & real-estate footprint
Registered office, Visé · 1 establishment unit since 1997
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 Haute(VIS) 544600 ViséGround area
134 m²
Building footprint
60 m²
Volume, LiDAR
578 m³
Parcel 62108C0136/00R000, Wallonia · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
B.A.L. CONSEILS
since 19972.082.405.995
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62108C0136/00R000 | Wallonia | 134 m² | 1 · 60 m² | 11.4 m · 3 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.
Similar companies · same sector, comparable size
VLV Finance
BE 0682.493.087
Antwerpen · Eq €110k
AM CONSULTING
BE 1008.832.266
Sint-Niklaas · Eq €109k
ATLAS FINANCE
BE 0779.607.410
Halle · Eq €111k
A-MIX
BE 0468.317.087
Antwerpen · Eq €112k
BP Finex
BE 0801.170.312
Heist-op-den-Berg · Eq €112k
Of 1,505 companies in sector 66199 we hold annual accounts for 913. 625 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-04-1997
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
66220Insurance agents and brokers
67130
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.