B-CONSULT
ActiveB-CONSULT has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €44k and a net result of €2k. Equity is growing by ~15% per year across the filed fiscal years. Its solvency ranks better than 31% of 37971 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
77
/ 100
Excellent▲ +31 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability20▲+8
Solvency56▲+14
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.02 against 0.85 in 2023), and 64.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
35.5%
Return on assets
1.4%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-10-2025, 85 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 · 9 filingsDeviation from the deadline
2025
not confirmed
2024
85 d late
2023
58 d early
2022
33 d early
2021
16 d late
2020
54 d early
2019
8 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€44k▲ 4.2%
2023 · €43k
2018: €9k
2019: €17k
2020: €32k
2021: €36k
2022: €42k
2023: €43k
2018 → 2024
Total assets
€125k▼ 14.4%
2023 · €146k
2018: €10k
2019: €46k
2020: €68k
2021: €110k
2022: €134k
2023: €146k
2018 → 2024
Net result
€2k▲ 79.6%
2023 · €1k
2018: €781
2019: €8k
2020: €15k
2021: €4k
2022: €5k
2023: €1k
2018 → 2024
Working capital
€980
2023 · €-9k
2018: €8k
2019: €13k
2020: €20k
2021: €10k
2022: €21k
2023: €-9k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€32k-€36k▲ 12.4%€42k▲ 15.0%€43k▲ 2.4%€44k▲ 4.2%
Operating result€24k-€12k▼ 48.5%€15k▲ 19.5%€15k▲ 1.7%€20k▲ 33.5%
Net result€15k-€4k▼ 73.2%€5k▲ 35.7%€1k▼ 81.5%€2k▲ 79.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 34% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €125k
Fixed assets
€70k▼ 22.8%
Current assets
€55k▼ 0.8%
Equity and liabilities €125k
Equity
€44k▲ 4.2%
Debt
€81k▼ 22.1%
The debt ratio falls from 70.9% to 64.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€31k▲
2023 · €23k
Cash flow
€13k▲
2023 · €9k
Solvency
35.5%▲
2023 · 29.1%
Current ratio
1.02▲
2023 · 0.85
Quick ratio
1.02▲
2023 · 0.85
Debt / equity
1.82▼
2023 · 2.43
ROE
4.1%▲
2023 · 2.4%
ROA
1.4%▲
2023 · 0.7%
Interest coverage
2.03▼
2023 · 2.13
Debt
€81k▼
2023 · €104k
Debt ≤ 1 year
€54k▼
2023 · €65k
Debt > 1 year
€26k▼
2023 · €38k
Income taxes
€3k▼
2023 · €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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€146k€125k▼
Fixed assets21/28€91k€70k▼
Tangible fixed assets22/27€90k€66k▼
Land and buildings22€50k-
Plant, machinery and equipment23€15k€12k▼
Furniture and vehicles24€26k€54k▲
Financial fixed assets28€80€4k▲
Current assets29/58€56k€55k▼
Amounts receivable within one year40/41€28k€20k▼
Trade receivables40€28k€20k▼
Cash at bank and in hand54/58€21k€34k▲
Deferred charges and accrued income490/1€6k€890▼
Equity and liabilities
Total equity and liabilities10/49€146k€125k▼
Equity10/15€43k€44k▲
Contributions10/11€10k€10k=
Reserves13€33k€34k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€31k€33k▲
Amounts payable17/49€104k€81k▼
Amounts payable after more than one year17€38k€26k▼
Financial debts170/4€38k€26k▼
Amounts payable within one year42/48€65k€54k▼
Current portion of amounts payable after more than one year42€7k-
Financial debts43€25k€21k▼
Credit institutions430/8-€21k
Other loans439€25k-
Trade debts44€10k€6k▼
Suppliers440/4€10k€6k▼
Taxes, remuneration and social security45€23k€22k▼
Taxes450/3€20k€15k▼
Remuneration and social security454/9€3k€8k▲
Other amounts payable47/48€56€5k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€11k▲
Other operating charges640/8€2k€229▼
Non-recurring operating charges66A-€1k
Gross operating margin9900€25k€32k▲
Operating profit (loss)9901€15k€20k▲
Financial income75/76B€0€8▲
Recurring financial income75€0€8▲
Financial charges65/66B€11k€15k▲
Recurring financial charges65€11k€15k▲
Profit (loss) for the period before taxes9903€4k€5k▲
Income taxes67/77€3k€3k▼
Profit (loss) for the period9904€1k€2k▲
Profit (loss) for the period to be appropriated9905€1k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1k€2k▲
Transfer to equity691/2€1k€2k▲
To other reserves6921€1k€2k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
24-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 85 days late
2024
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €15k ▲81.5%
Operating result €24k, net result €15k, both a record.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
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, Merchtem · 1 establishment unit since 2015
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.
Alfons Bursensstraat 31785 MerchtemGround area
98 m²
Building footprint
58 m²
Volume, LiDAR
387 m³
Parcel 23602K0118/00V007, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Alfons Bursensstraat 3, 1785 Merchtem
since 20152.245.400.936
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23602K0118/00V007 | Flanders | 98 m² | 1 · 58 m² | 9.5 m · 2 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
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M.O.D.
BE 0764.487.187
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JLSD Management
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 37,317 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-09-2015
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
71209Other technical testing and analysis
72109Other research and development on natural sciences
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.