B-Fine Consulting
ActiveB-Fine Consulting has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €136k and a net result of €47k. Equity is growing by ~50.2% per year across the filed fiscal years. Its solvency ranks better than 86% of 37959 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
94
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100=
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 6.84 against 3.79 in 2023; short-term debt: 11.9% and cash: 66% of total assets), and 11.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 · 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-07-2025, 21 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
21 d early
2023
16 d early
2022
35 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€136k▲ 52.5%
2023 · €89k
2022: €46k
2023: €89k
2022 → 2024
Total assets
€154k▲ 44.0%
2023 · €107k
2022: €66k
2023: €107k
2022 → 2024
Net result
€47k▲ 9.3%
2023 · €43k
2022: €43k
2023: €43k
2022 → 2024
Working capital
€107k▲ 114%
2023 · €50k
2022: €27k
2023: €50k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€46k-€89k▲ 92.4%€136k▲ 52.5%
Operating result€55k-€55k▼ 0.2%€61k▲ 9.7%
Net result€43k-€43k▼ 1.2%€47k▲ 9.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 10% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €154k
Fixed assets
€29k▼ 25.9%
Current assets
€125k▲ 84.1%
Equity and liabilities €154k
Equity
€136k▲ 52.5%
Debt
€18k▲ 1.9%
The debt ratio falls from 16.8% to 11.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€71k▲
2023 · €61k
Cash flow
€57k▲
2023 · €49k
Solvency
88.1%▲
2023 · 83.2%
Current ratio
6.84▲
2023 · 3.79
Quick ratio
6.84▲
2023 · 3.79
Debt / equity
0.13▼
2023 · 0.20
ROE
34.4%▼
2023 · 48.0%
ROA
30.3%▼
2023 · 40.0%
Interest coverage
636.45▼
2023 · 908.52
Debt
€18k▲
2023 · €18k
Debt ≤ 1 year
€18k▲
2023 · €18k
Income taxes
€14k▲
2023 · €13k
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€107k€154k▲
Fixed assets21/28€39k€29k▼
Tangible fixed assets22/27€39k€29k▼
Furniture and vehicles24€39k€29k▼
Current assets29/58€68k€125k▲
Amounts receivable within one year40/41€3k€21k▲
Trade receivables40€3k€21k▲
Other amounts receivable41€0-
Cash at bank and in hand54/58€61k€102k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€107k€154k▲
Equity10/15€89k€136k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€86k€133k▲
Amounts payable17/49€18k€18k▲
Amounts payable within one year42/48€18k€18k▲
Trade debts44€12€68▲
Suppliers440/4€12€68▲
Taxes, remuneration and social security45€18k€18k▲
Taxes450/3€17k€18k▲
Remuneration and social security454/9€1k€0▼
Other amounts payable47/48-€156
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€10k▲
Other operating charges640/8€488€501▲
Gross operating margin9900€62k€71k▲
Operating profit (loss)9901€55k€61k▲
Financial charges65/66B€68€111▲
Recurring financial charges65€68€111▲
Profit (loss) for the period before taxes9903€55k€61k▲
Income taxes67/77€13k€14k▲
Profit (loss) for the period9904€43k€47k▲
Profit (loss) for the period to be appropriated9905€43k€47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€86k€133k▲
Profit (loss) brought forward from the previous period14P€43k€86k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €47k ▲9.3%
Operating result €61k, net result €47k, both a record.
31-12
Financial
Equity above €100kEq €136k ▲52.5%
3 profitable years in a row build equity to €136k.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €43k ▼1.2%
Net result drops to €43k, the lowest in the series; recovery starts the following year.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Gesves · 1 establishment unit since 2022
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 Basse Ramsée 385340 GesvesGround area
1,540 m²
Building footprint
98 m²
Parcel 92042E0579/00E000, Wallonia. Linked by address, not a title deed.
1 establishment unit
B-Fine Consulting
since 20222.326.953.091
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92042E0579/00E000 | Wallonia | 1,540 m² | 1 · 98 m² | - |
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 82,569 companies in sector 70200 we hold annual accounts for 52,573. 40,876 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-01-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:boriscamer@hotmail.com
Phone:0471468751