B & T - CONSULT
ActiveB & T - CONSULT has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €526k and a net result of €3k. Equity is growing by ~17.3% per year across the filed fiscal years. Its solvency ranks better than 92% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-6
Solvency100=
Growth56=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 15.92 against 26.75 in 2024; short-term debt: 6.2% and cash: 86.5% of total assets), and 6.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers 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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
93.8%
Return on assets
0.5%
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 29-05-2026, 63 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
63 d early
2024
114 d early
2023
37 d early
2022
60 d early
2021
32 d early
2020
39 d early
2019
23 d early
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€278k▼ 21.1%
2021 · €352k
2018: €197k
2019: €220k
2020: €227k
2021: €352k
2018 → 2022
EBIT margin
40.3%▼ 1.6pp
2021 · 41.9%
2018: 22.6%
2019: 20.2%
2020: 23.8%
2021: 41.9%
2018 → 2022
Net result
€3k▼ 89.8%
2024 · €30k
2018: €32k
2019: €31k
2020: €40k
2021: €100k
2022: €76k
2023: €104k
2024: €30k
2018 → 2025
Working capital
€516k▼ 3.3%
2024 · €534k
2018: €163k
2019: €174k
2020: €252k
2021: €365k
2022: €457k
2023: €496k
2024: €534k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€352k-€278k▼ 21.1%
Equity€340k-€417k▲ 22.4%€521k▲ 25.0%€551k▲ 5.8%€526k▼ 4.5%
Operating result€148k-€112k▼ 24.1%€153k▲ 36.3%€43k▼ 72.1%€2k▼ 96.1%
Net result€100k-€76k▼ 23.9%€104k▲ 36.4%€30k▼ 71.1%€3k▼ 89.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 96% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €561k
Fixed assets
€10k▼ 72.7%
Current assets
€551k▼ 0.7%
Equity and liabilities €561k
Equity
€526k▼ 4.5%
Debt
€35k▼ 11.9%
The debt ratio falls from 6.7% to 6.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€24k▼
2024 · €66k
Cash flow
€26k▼
2024 · €54k
Solvency
93.8%▲
2024 · 93.3%
Current ratio
15.92▼
2024 · 26.75
Quick ratio
15.92▼
2024 · 26.75
Debt / equity
0.07▼
2024 · 0.07
ROE
0.6%▼
2024 · 5.5%
ROA
0.5%▼
2024 · 5.1%
Interest coverage
162.26▼
2024 · 375.74
Debt
€35k▼
2024 · €39k
Debt ≤ 1 year
€35k▲
2024 · €21k
Income taxes
€2k▼
2024 · €16k
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€590k€561k▼
Fixed assets21/28€35k€10k▼
Tangible fixed assets22/27€35k€9k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€32k€8k▼
Financial fixed assets28€600€600=
Current assets29/58€555k€551k▼
Amounts receivable within one year40/41€75k€65k▼
Trade receivables40€43k€26k▼
Other amounts receivable41€32k€39k▲
Cash at bank and in hand54/58€480k€485k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€590k€561k▼
Equity10/15€551k€526k▼
Contributions10/11€19k€19k=
Reserves13€318k€293k▼
Tax-exempt reserves132€5k€5k=
Distributable reserves133€313k€288k▼
Profit (loss) carried forward14€214k€214k=
Amounts payable17/49€39k€35k▼
Amounts payable within one year42/48€21k€35k▲
Trade debts44€2k€7k▲
Suppliers440/4€2k€7k▲
Taxes, remuneration and social security45€18k€2k▼
Taxes450/3€18k€2k▼
Other amounts payable47/48-€26k
Accrued charges and deferred income492/3€19k€0▼
Income statement
Code20242025
Non-recurring operating income76A-€3k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€23k▼
Other operating charges640/8€505€829▲
Non-recurring operating charges66A-€3k
Gross operating margin9900€67k€28k▼
Operating profit (loss)9901€43k€2k▼
Financial income75/76B€4k€4k▲
Recurring financial income75€4k€4k▲
Financial charges65/66B€176€149▼
Recurring financial charges65€176€149▼
Profit (loss) for the period before taxes9903€46k€5k▼
Income taxes67/77€16k€2k▼
Profit (loss) for the period9904€30k€3k▼
Profit (loss) for the period to be appropriated9905€30k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€244k€217k▼
Profit (loss) brought forward from the previous period14P€214k€214k=
Transfer from equity791/2-€28k
Transfer to equity691/2€30k€3k▼
To other reserves6921€30k€3k▼
Profit to be distributed694/7-€28k
Return on contributions (dividend)694-€28k
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
Next filing, fiscal year 2026, expected by
2026
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €3k ▼89.8%
Net result drops to €3k, the lowest in the series.
08-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €104k ▲36.4%
Operating result €153k, net result €104k, both a record.
31-12
Financial
Equity above €500kEq €521k ▲25%
6 profitable years in a row build equity to €521k.
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €200k ▲18.3%
2 profitable years in a row build equity to €200k.
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
10-10-2025
André De Paepe: Resigned as Director
28-12-2023
DE PAEPE André Petrus Valerie: Resigned as Director
28-12-2023
DE PAEPE Peter Ludo Josepha: Resigned as Director
Location & real-estate footprint
Registered office, Wommelgem · 1 establishment unit since 2002
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.
Sint-Damiaanstraat 184-2.22160 WommelgemGround area
1,979 m²
Building footprint
553 m²
Volume, LiDAR
4,947 m³
Parcel 11052C0520/00D002, Flanders · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Sint-Damiaanstraat 184-2.2, 2160 Wommelgem
since 20022.094.788.343
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11052C0520/00D002 | Flanders | 1,979 m² | 1 · 553 m² | 10.0 m · 3 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
AVVISION
BE 0463.154.907
Brugge · Eq €526k
PPM PROACTIEF PROJECTMANAGEMENT
BE 0466.153.393
Beveren-Kruibeke-Zwijndrecht · Eq €526k
TECH IMMO CONSULT
BE 0695.938.673
Durbuy · Eq €526k
De Backer F & C
BE 0843.612.067
Wingene · Eq €526k
Arasko
BE 0650.805.464
Sint-Martens-Latem · Eq €526k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 34,231 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-04-2002
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
58110Book publishing
74853
74872
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82300Organisation of conventions and trade shows
92724
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 23 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.