B & S CONSULTING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €1.55M and a net result of €339k. Equity is growing by ~12.7% per year across the filed fiscal years. Its solvency ranks better than 88% of 6156 sector peers (fiscal year 2024). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-07-2025, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
9 d early
2023
23 d early
2022
11 d early
2021
18 d early
2020
51 d late
2019
7 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€1.55M▲ 20.2%
2023 · €1.29M
2018: €712k
2019: €803k
2020: €880k
2021: €874k
2022: €1.02M
2023: €1.29M
2018 → 2024
Net result
€339k▲ 4.1%
2023 · €326k
2018: €47k
2019: €91k
2020: €77k
2021: €-6k
2022: €309k
2023: €326k
2018 → 2024
Total assets
€1.66M▲ 19.7%
2023 · €1.39M
2018: €741k
2019: €842k
2020: €937k
2021: €1.07M
2022: €1.23M
2023: €1.39M
2018 → 2024
Solvency
93.0%▲ 0.4pp
2023 · 92.6%
2018: 96.1%
2019: 95.3%
2020: 93.9%
2021: 81.6%
2022: 82.7%
2023: 92.6%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€880k-€874k▼ 0.6%€1.02M▲ 16.7%€1.29M▲ 26.1%€1.55M▲ 20.2%
Operating result€15k-€-5k€45k€-20k€18k
Net result€77k-€-6k€309k€326k▲ 5.6%€339k▲ 4.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €18k after a loss of €20k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.66M
Fixed assets
€1.25M▲ 40.1%
Current assets
€417k▼ 16.5%
Equity and liabilities €1.66M
Equity
€1.55M▲ 20.2%
Debt
€117k▲ 14.0%
The debt ratio falls from 7.4% to 7.0%. Equity and debt are higher.
Key figures and ratios
Solvency
93.0%▲
2023 · 92.6%
ROE
22.0%▼
2023 · 25.3%
ROA
20.4%▼
2023 · 23.5%
Debt
€117k▲
2023 · €103k
Debt ≤ 1 year
€117k▲
2023 · €103k
Income taxes
€35k▲
2023 · €33k
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€1.39M€1.66M▲
Fixed assets21/28€889k€1.25M▲
Tangible fixed assets22/27€124k€480k▲
Land and buildings22-€391k
Plant, machinery and equipment23-€2k
Furniture and vehicles24€124k€88k▼
Financial fixed assets28€765k€765k=
Current assets29/58€500k€417k▼
Amounts receivable within one year40/41€274k€333k▲
Trade receivables40€18k€18k=
Other amounts receivable41€256k€316k▲
Current investments50/53€200k€9k▼
Cash at bank and in hand54/58€24k€75k▲
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€1.39M€1.66M▲
Equity10/15€1.29M€1.55M▲
Contributions10/11€19k€19k=
Reserves13€1.27M€1.53M▲
Distributable reserves133€1.27M€1.53M▲
Amounts payable17/49€103k€117k▲
Amounts payable within one year42/48€103k€117k▲
Trade debts44€3k€398▼
Suppliers440/4€3k€398▼
Taxes, remuneration and social security45€46k€16k▼
Taxes450/3€41k€11k▼
Remuneration and social security454/9€5k€5k▲
Other amounts payable47/48€53k€101k▲
Accrued charges and deferred income492/3€31€31=
Income statement
Code20232024
Non-recurring operating income76A€4k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€39k▲
Other operating charges640/8€1k€3k▲
Gross operating margin9900€14k€60k▲
Operating profit (loss)9901€-20k€18k▲
Financial income75/76B€380k€359k▼
Recurring financial income75€314k€359k▲
Non-recurring financial income76B€66k-
Financial charges65/66B€926€2k▲
Recurring financial charges65€926€2k▲
Profit (loss) for the period before taxes9903€359k€374k▲
Income taxes67/77€33k€35k▲
Profit (loss) for the period9904€326k€339k▲
Profit (loss) for the period to be appropriated9905€326k€339k▲
Appropriation of the result
Profit (loss) to be appropriated9906€326k€339k▲
Transfer from equity791/2€60k€80k▲
Transfer to equity691/2€326k€339k▲
To other reserves6921€326k€339k▲
Profit to be distributed694/7€60k€80k▲
Return on contributions (dividend)694€60k€80k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €339k ▲4.1%
Net result €339k, the highest in the series.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity triplescurrent ratio 4.87
Current ratio from 1.85 to 4.87; short-term debt falls from €213k to €103k.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €309k
Net result €309k after one loss-making year.
31-12
Financial
Equity above €1MEq €1.02M ▲16.7%
Equity rises from €874k to €1.02M.
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-6k ▼107%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
20-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 51 days late
2020
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 22 days late
2016
20-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Pelt · 1 establishment unit since 2006
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.
Zavelstraat 123900 PeltGround area
924 m²
Building footprint
155 m²
Volume, LiDAR
781 m³
Parcel 72502E0102/00H148, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
B & S Consulting
since 20062.152.291.527
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72502E0102/00H148 | Flanders | 924 m² | 1 · 155 m² | 9.2 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.
Recognitions · licences · registrations
Legal Entity Identifier
984500E6A3E1MA70FN80
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 11,666 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-01-2006
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 18 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.