B&DB Consulting
ActiveSummary
The computed 12-month bankruptcy probability of B&DB Consulting is 1.7% (moderate). The 2025 annual accounts show equity of €103k and a net result of €64k. Equity is growing by ~28.9% per year across the filed fiscal years. Its solvency ranks better than 67% of 7453 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency84▼-16
Growth78=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 4.55 in 2024; short-term debt: 39.8% and cash: 24.2% of total assets), and 40.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
59.1%
Return on assets
37%
Age of the figures
9 mo
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 11-06-2026, 50 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
50 d early
2024
9 d early
2023
29 d early
2022
4 d early
2021
27 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€103k▼ 4.2%
2024 · €108k
2021: €27k
2022: €43k
2023: €77k
2024: €108k
2021 → 2025
Total assets
€174k▲ 27.8%
2024 · €136k
2021: €37k
2022: €55k
2023: €90k
2024: €136k
2021 → 2025
Net result
€64k▲ 44.7%
2024 · €45k
2021: €24k
2022: €16k
2023: €34k
2024: €45k
2021 → 2025
Working capital
€17k▼ 80.0%
2024 · €84k
2021: €23k
2022: €37k
2023: €73k
2024: €84k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€43k▲ 58.2%€77k▲ 78.3%€108k▲ 38.8%€103k▼ 4.2%
Operating result€36k-€25k▼ 31.1%€50k▲ 103%€59k▲ 18.8%€91k▲ 54.2%
Net result€24k-€16k▼ 34.7%€34k▲ 113%€45k▲ 30.9%€64k▲ 44.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 54% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €174k
Fixed assets
€88k ▲ 206%
Current assets
€86k ▼ 19.9%
Equity and liabilities €174k
Equity
€103k ▼ 4.2%
Debt
€71k ▲ 147%
Debt's share of the balance-sheet total rises from 21.1% to 40.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€95k▲
2024 · €62k
Cash flow
€69k▲
2024 · €48k
Current ratio
1.24▼
2024 · 4.55
Debt to equity
0.69▲
2024 · 0.27
ROE
62.6%▲
2024 · 41.4%
ROA
37.0%▲
2024 · 32.7%
Interest coverage
23.56▲
2024 · 21.67
Debt ≤ 1 year
€69k▲
2024 · €24k
Debt > 1 year
€480▼
2024 · €5k
Income taxes
€23k▲
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€136k€174k▲
Fixed assets21/28€29k€88k▲
Tangible fixed assets22/27€29k€88k▲
Land and buildings22€25k€59k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€2k€28k▲
Current assets29/58€108k€86k▼
Amounts receivable within one year40/41€19k€35k▲
Trade receivables40€15k€35k▲
Other amounts receivable41€3k€0▼
Current investments50/53-€7k
Cash at bank and in hand54/58€87k€42k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€136k€174k▲
Equity10/15€108k€103k▼
Contributions10/11€3k€3k=
Reserves13€105k€100k▼
Distributable reserves133€105k€100k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€29k€71k▲
Amounts payable after more than one year17€5k€480▼
Financial debts170/4€5k€0▼
Other amounts payable178/9-€480
Amounts payable within one year42/48€24k€69k▲
Current portion of amounts payable after more than one year42€7k€5k▼
Financial debts43€237€103▼
Credit institutions430/8€237€103▼
Trade debts44€2k€463▼
Suppliers440/4€2k€463▼
Taxes, remuneration and social security45€7k€10k▲
Taxes450/3€7k€10k▲
Other amounts payable47/48€7k€54k▲
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€4k€6k▲
Gross operating margin9900€66k€101k▲
Operating profit (loss)9901€59k€91k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€56k€87k▲
Income taxes67/77€12k€23k▲
Profit (loss) for the period9904€45k€64k▲
Profit (loss) for the period to be appropriated9905€45k€64k▲
Appropriation of the result
Profit (loss) to be appropriated9906€45k€64k▲
Transfer from equity791/2-€55k
Transfer to equity691/2€30k€50k▲
To other reserves6921€30k€50k▲
Profit to be distributed694/7€15k€69k▲
Return on contributions (dividend)694€15k€69k▲
The notes to these accounts (6 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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €64k ▲44.7%
Operating result €91k, net result €64k, both a record.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €108k ▲38.8%
4 profitable years in a row build equity to €108k.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €16k ▼34.7%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Kontich · 1 establishment unit since 2020
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.
Koningin Astridlaan 532550 KontichGround area
754 m²
Building footprint
199 m²
Volume, LiDAR
747 m³
Parcel 11602C0174/00H000, Flanders · tallest building 5.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
B&DB Consulting
since 20202.305.496.790
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11602C0174/00H000 | Flanders | 754 m² | 1 · 199 m² | 5.9 m · 1 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.
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 13,112 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-06-2020
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
70200Business and other management consultancy
71111Activities of building architects
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.b-db.net
E-mail:info@b-db.net