B.CONSEIL

Active

Private limited companyfounded 20196 yrs activeBrugmannlaan 565, 1180 Ukkel, BelgiumKBO/BCE: BE 0738.943.525

The computed 12-month bankruptcy probability of B.CONSEIL is 2.2% (moderate). The 2025 annual accounts show equity of €6k and a net result of €698. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 28% of 6956 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

58 / 100

Fair▼ -8 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability63▼-37

Solvency36▼-4

Growth52▼-26

Stability100

Bankruptcy probability, 12 months

2.2% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity short (current ratio 0.91 against 0.73 in 2024), and 74.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 6 filings

Deviation from the deadline

2025

28 d late

2024

27 d late

2023

40 d late

2022

on the day

2021

10 d late

2020

17 d late

← before the deadline after the deadline →

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 months

Position in the running window

12-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€6k▲ 14.5%

2024 · €5k

2020: €4k 2021: €6k 2022: €562 2023: €-3k 2024: €5k

2020 → 2025

Total assets

€22k▲ 32.5%

2024 · €16k

2020: €25k 2021: €26k 2022: €19k 2023: €25k 2024: €16k

2020 → 2025

Net result

€698▼ 90.6%

2024 · €7k

2020: €2k 2021: €1k 2022: €-5k 2023: €-3k 2024: €7k

2020 → 2025

Working capital

€-2k▲ 51.8%

2024 · €-3k

2020: €391 2021: €3k 2022: €-163 2023: €-12k 2024: €-3k

2020 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€6k-€562▼ 89.8%€-3k€5k€6k▲ 14.5%

Operating result€3k-€-5k€-3k▲ 34.4%€9k€4k▼ 54.0%

Net result€1k-€-5k€-3k▲ 35.9%€7k€698▼ 90.6%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 54% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €22k

32.4%

67.6%

Fixed assets €7k▼ 11.9%

Current assets €15k▲ 74.6%

Equity and liabilities €22k

25.3%

74.7%

Equity €6k▲ 14.5%

Debt €16k▲ 39.9%

The debt ratio rises from 70.7% to 74.7%: debt grows faster than equity.

Key figures and ratios

2025 value · change against 2024

EBITDA

€5k▼

2024 · €10k

Cash flow

€2k▼

2024 · €8k

Solvency

25.3%▼

2024 · 29.3%

Current ratio

0.91▲

2024 · 0.73

Quick ratio

0.91▲

2024 · 0.73

Debt / equity

2.95▲

2024 · 2.41

ROE

12.7%▼

2024 · 154.4%

ROA

3.2%▼

2024 · 45.3%

Interest coverage

7.53▼

2024 · 40.97

Debt

€16k▲

2024 · €12k

Debt ≤ 1 year

€16k▲

2024 · €12k

Income taxes

€3k▲

2024 · €2k

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€16k€22k▲

Fixed assets21/28€8k€7k▼

Tangible fixed assets22/27€8k€7k▼

Furniture and vehicles24€0-

Other tangible fixed assets26€8k€7k▼

Current assets29/58€8k€15k▲

Amounts receivable within one year40/41€8k€15k▲

Trade receivables40€7k€14k▲

Other amounts receivable41€600€129▼

Cash at bank and in hand54/58€433€12▼

Deferred charges and accrued income490/1€328€108▼

Equity and liabilities

Total equity and liabilities10/49€16k€22k▲

Equity10/15€5k€6k▲

Contributions10/11€2k€2k=

Profit (loss) carried forward14€3k€4k▲

Amounts payable17/49€12k€16k▲

Amounts payable within one year42/48€12k€16k▲

Trade debts44€3k€7k▲

Suppliers440/4€3k€7k▲

Taxes, remuneration and social security45€7k€7k▲

Taxes450/3€7k€7k▲

Other amounts payable47/48€2k€2k▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€952▼

Other operating charges640/8€793€2k▲

Gross operating margin9900€11k€7k▼

Operating profit (loss)9901€9k€4k▼

Financial income75/76B€16€0▼

Recurring financial income75€16€0▼

Financial charges65/66B€251€691▲

Recurring financial charges65€251€691▲

Profit (loss) for the period before taxes9903€9k€4k▼

Income taxes67/77€2k€3k▲

Profit (loss) for the period9904€7k€698▼

Profit (loss) for the period to be appropriated9905€7k€698▼

Appropriation of the result

Profit (loss) to be appropriated9906€3k€4k▲

Profit (loss) brought forward from the previous period14P€-5k€3k▲

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 8Financial 2Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

2026

28-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 28 days late

2025

27-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 27 days late

2024

31-12

Financial Back to profitnet €7k

Net result €7k after 2 loss-making years.

09-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 40 days late

2023

31-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Weakest financial yearnet €-5k ▼439%

Net result drops to €-5k, the lowest in the series; recovery starts the following year.

10-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 10 days late

2021

17-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 17 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

0 of 2 acts read

About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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