B&T CONSULTANCY
ActiveSummary
B&T CONSULTANCY has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €4.35M and a net result of €-49k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 71% of 1410 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability18▲+2
Solvency91=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €260k at 30 days acceptable
Liquidity ample (current ratio 2.85 against 3.97 in 2023; short-term debt: 12.9% and cash: 1% of total assets), and 33.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
66.5%
Return on assets
-0.8%
Age of the figures
21 mo
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 31-07-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
on the day
2023
30 d late
2022
91 d late
2021
29 d late
2020
89 d late
2019
17 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€4.35M▼ 1.1%
2023 · €4.39M
2018: €99klowest in 7 years
2019: €139k▲ +40.2% vs 2018
2020: €4.51M▲ +3136% vs 2019
2021: €4.53M▲ +0.4% vs 2020highest in 7 years
2022: €4.52M▼ -0.2% vs 2021
2023: €4.39M▼ -2.8% vs 2022
2024: €4.35M▼ -1.1% vs 2023
2018 → 2024
Total assets
€6.54M▼ 1.4%
2023 · €6.63M
2018: €802k
2019: €770k▼ -4.0% vs 2018lowest in 7 years
2020: €6.66M▲ +766% vs 2019highest in 7 years
2021: €6.61M▼ -0.7% vs 2020
2022: €6.62M▲ +0.2% vs 2021
2023: €6.63M● +0.0% vs 2022
2024: €6.54M▼ -1.4% vs 2023
2018 → 2024
Net result
€-49k▲ 60.9%
2023 · €-126k
2018: €32k
2019: €40k▲ +22.9% vs 2018
2020: €4.37M▲ +10844% vs 2019highest in 7 years
2021: €20k▼ -99.6% vs 2020
2022: €-8k▼ -140% vs 2021
2023: €-126k▼ -1491% vs 2022lowest in 7 years
2024: €-49k▲ +60.9% vs 2023
2018 → 2024
Working capital
€1.56M▼ 25.4%
2023 · €2.10M
2018: €-100klowest in 7 years
2019: €-84k▲ +16.3% vs 2018
2020: €5.02M▲ +6098% vs 2019highest in 7 years
2021: €4.78M▼ -4.7% vs 2020
2022: €3.49M▼ -27.0% vs 2021
2023: €2.10M▼ -39.9% vs 2022
2024: €1.56M▼ -25.4% vs 2023
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€4.51M-€4.53M▲ 0.4%€4.52M▼ 0.2%€4.39M▼ 2.8%€4.35M▼ 1.1%
2020: €4.51M
2021: €4.53M▲ +0.4% vs 2020highest in 5 years
2022: €4.52M▼ -0.2% vs 2021
2023: €4.39M▼ -2.8% vs 2022
2024: €4.35M▼ -1.1% vs 2023lowest in 5 years
Operating result€69k-€11k▼ 84.1%€-98k€-98k▼ 0.1%€-78k▲ 20.4%
2020: €69khighest in 5 years
2021: €11k▼ -84.1% vs 2020
2022: €-98k▼ -994% vs 2021
2023: €-98k▼ -0.1% vs 2022lowest in 5 years
2024: €-78k▲ +20.4% vs 2023
Net result€4.37M-€20k▼ 99.6%€-8k€-126k▼ 1,491%€-49k▲ 60.9%
2020: €4.37Mhighest in 5 years
2021: €20k▼ -99.6% vs 2020
2022: €-8k▼ -140% vs 2021
2023: €-126k▼ -1491% vs 2022lowest in 5 years
2024: €-49k▲ +60.9% vs 2023
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €78k in 2024 against €98k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €6.54M
Fixed assets
€4.13M ▲ 8.0%
Current assets
€2.41M ▼ 14.1%
Equity and liabilities €6.54M
Equity
€4.35M ▼ 1.1%
Provisions
€102k ▲ 67.8%
Debt
€2.09M ▼ 3.8%
Debt's share of the balance-sheet total falls from 32.8% to 32.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-2k▲
2023 · €-32k
Cash flow
€27k▲
2023 · €-60k
Current ratio
2.85▼
2023 · 3.97
Debt to equity
0.48▼
2023 · 0.49
ROE
-1.1%▲
2023 · -2.9%
ROA
-0.8%▲
2023 · -1.9%
Interest coverage
-0.01▲
2023 · -0.25
Debt ≤ 1 year
€844k▲
2023 · €707k
Debt > 1 year
€1.25M▼
2023 · €1.46M
Income taxes
€15k▲
2023 · €3k
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 · 2024 against 2023 · 63 lines
Balance sheet
Code20232024
Assets
Total assets20/58€6.63M€6.54M▼
Fixed assets21/28€3.82M€4.13M▲
Tangible fixed assets22/27€2.39M€2.38M▼
Land and buildings22€2.14M€2.10M▼
Furniture and vehicles24€55k€55k▲
Other tangible fixed assets26€200k€221k▲
Financial fixed assets28€1.43M€1.75M▲
Current assets29/58€2.80M€2.41M▼
Amounts receivable after more than one year29€300k€150k▼
Other amounts receivable291€300k€150k▼
Amounts receivable within one year40/41€1.14M€1.28M▲
Trade receivables40€40k€93k▲
Other amounts receivable41€1.10M€1.19M▲
Current investments50/53€1.23M€906k▼
Cash at bank and in hand54/58€130k€68k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€6.63M€6.54M▼
Equity10/15€4.39M€4.35M▼
Contributions10/11€6k€6k=
Reserves13€423k€421k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€60k€58k▼
Distributable reserves133€362k€362k=
Profit (loss) carried forward14€3.97M€3.92M▼
Provisions and deferred taxes16€61k€102k▲
Provisions for liabilities and charges160/5€41k€83k▲
Other liabilities and charges164/5€41k€83k▲
Deferred taxes168€20k€19k▼
Amounts payable17/49€2.17M€2.09M▼
Amounts payable after more than one year17€1.46M€1.25M▼
Financial debts170/4€1.46M€1.25M▼
Amounts payable within one year42/48€707k€844k▲
Current portion of amounts payable after more than one year42€81k€68k▼
Financial debts43€562k€663k▲
Credit institutions430/8€562k€663k▲
Trade debts44€50k€90k▲
Suppliers440/4€50k€90k▲
Taxes, remuneration and social security45€14k€23k▲
Taxes450/3€13k€22k▲
Remuneration and social security454/9€801€1k▲
Other amounts payable47/48€857€0▼
Accrued charges and deferred income492/3€1k€0▼
Income statement
Code20232024
Non-recurring operating income76A€12k€69▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€66k€76k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€-21k€42k▲
Other operating charges640/8€5k€21k▲
Non-recurring operating charges66A€10k€0▼
Gross operating margin9900€-38k€61k▲
Operating profit (loss)9901€-98k€-78k▲
Financial income75/76B€106k€190k▲
Recurring financial income75€106k€190k▲
Financial charges65/66B€131k€147k▲
Recurring financial charges65€131k€147k▲
Profit (loss) for the period before taxes9903€-123k€-35k▲
Transfer from deferred taxes780€689€689=
Income taxes67/77€3k€15k▲
Profit (loss) for the period9904€-126k€-49k▲
Transfer from tax-exempt reserves789€2k€2k=
Profit (loss) for the period to be appropriated9905€-123k€-47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3.97M€3.92M▼
Profit (loss) brought forward from the previous period14P€4.09M€3.97M▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (22 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €12k | €69 | ▼ 99.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11k | €55k | €64k | €66k | €76k | ▲ 15.2% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | €-20k | €56k | €-21k | €42k | ▲ 297% |
| Other operating charges640/8 | - | €2k | €4k | €5k | €21k | ▲ 312% |
| Non-recurring operating charges66A | - | - | - | €10k | €0 | ▼ 100% |
| Gross operating margin9900 | €102k | €48k | €26k | €-38k | €61k | ▲ 259% |
| Operating profit (loss)9901 | €69k | €11k | €-98k | €-98k | €-78k | ▲ 20.4% |
| Financial income75/76B | - | €39k | €226k | €106k | €190k | ▲ 78.9% |
| Recurring financial income75 | €6k | €39k | €226k | €106k | €190k | ▲ 78.9% |
| Financial charges65/66B | - | €25k | €106k | €131k | €147k | ▲ 11.9% |
| Recurring financial charges65 | €29k | €25k | €106k | €131k | €147k | ▲ 11.9% |
| Profit (loss) for the period before taxes9903 | €4.42M | €25k | €22k | €-123k | €-35k | ▲ 71.5% |
| Transfer from deferred taxes780 | - | €689 | €689 | €689 | €689 | = |
| Income taxes67/77 | €30k | €6k | €30k | €3k | €15k | ▲ 377% |
| Profit (loss) for the period9904 | €4.37M | €20k | €-8k | €-126k | €-49k | ▲ 60.9% |
| Transfer from tax-exempt reserves789 | - | €2k | €2k | €2k | €2k | = |
| Profit (loss) for the period to be appropriated9905 | €4.30M | €22k | €-6k | €-123k | €-47k | ▲ 61.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €6.66M | €6.61M | €6.62M | €6.63M | €6.54M | ▼ 1.4% |
| Fixed assets21/28 | €1.49M | €1.67M | €2.95M | €3.82M | €4.13M | ▲ 8.0% |
| Tangible fixed assets22/27 | €1.49M | €1.67M | €1.68M | €2.39M | €2.38M | ▼ 0.5% |
| Land and buildings22 | - | €1.55M | €1.53M | €2.14M | €2.10M | ▼ 1.6% |
| Furniture and vehicles24 | - | €56k | €45k | €55k | €55k | ▲ 0.6% |
| Other tangible fixed assets26 | - | €65k | €101k | €200k | €221k | ▲ 10.3% |
| Financial fixed assets28 | - | - | €1.27M | €1.43M | €1.75M | ▲ 22.2% |
| Current assets29/58 | €5.18M | €4.94M | €3.68M | €2.80M | €2.41M | ▼ 14.1% |
| Amounts receivable after more than one year29 | - | €600k | €600k | €300k | €150k | ▼ 50.0% |
| Other amounts receivable291 | - | €600k | €600k | €300k | €150k | ▼ 50.0% |
| Amounts receivable within one year40/41 | €2.31M | €2.47M | €1.03M | €1.14M | €1.28M | ▲ 12.2% |
| Trade receivables40 | - | €34k | €35k | €40k | €93k | ▲ 133% |
| Other amounts receivable41 | - | €2.44M | €1.00M | €1.10M | €1.19M | ▲ 7.9% |
| Current investments50/53 | €418k | €949k | €1.18M | €1.23M | €906k | ▼ 26.3% |
| Cash at bank and in hand54/58 | €1.85M | €916k | €861k | €130k | €68k | ▼ 47.2% |
| Deferred charges and accrued income490/1 | - | €1k | €1k | €0 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €6.66M | €6.61M | €6.62M | €6.63M | €6.54M | ▼ 1.4% |
| Equity10/15 | €4.51M | €4.53M | €4.52M | €4.39M | €4.35M | ▼ 1.1% |
| Contributions10/11 | - | €6k | €6k | €6k | €6k | = |
| Outside capital11 | - | - | €6k | - | - | - |
| Other1109/19 | - | - | €6k | - | - | - |
| Reserves13 | €408k | €427k | €425k | €423k | €421k | ▼ 0.5% |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Tax-exempt reserves132 | - | €64k | €62k | €60k | €58k | ▼ 3.4% |
| Distributable reserves133 | - | €362k | €362k | €362k | €362k | = |
| Profit (loss) carried forward14 | €4.09M | €4.09M | €4.09M | €3.97M | €3.92M | ▼ 1.2% |
| Provisions and deferred taxes16 | €48k | €28k | €83k | €61k | €102k | ▲ 67.8% |
| Provisions for liabilities and charges160/5 | - | €6k | €62k | €41k | €83k | ▲ 103% |
| Environmental obligations163 | - | €6k | €14k | - | - | - |
| Other liabilities and charges164/5 | - | - | €49k | €41k | €83k | ▲ 103% |
| Deferred taxes168 | - | €21k | €21k | €20k | €19k | ▼ 3.4% |
| Amounts payable17/49 | €2.10M | €2.06M | €2.02M | €2.17M | €2.09M | ▼ 3.8% |
| Amounts payable after more than one year17 | €1.95M | €1.90M | €1.83M | €1.46M | €1.25M | ▼ 14.9% |
| Financial debts170/4 | - | €1.90M | €1.83M | €1.46M | €1.25M | ▼ 14.9% |
| Amounts payable within one year42/48 | €157k | €161k | €190k | €707k | €844k | ▲ 19.4% |
| Current portion of amounts payable after more than one year42 | - | €65k | €66k | €81k | €68k | ▼ 15.3% |
| Financial debts43 | - | €940 | €2k | €562k | €663k | ▲ 17.9% |
| Credit institutions430/8 | - | €940 | €2k | €562k | €663k | ▲ 17.9% |
| Trade debts44 | €23k | €23k | €65k | €50k | €90k | ▲ 81.2% |
| Suppliers440/4 | - | €23k | €65k | €50k | €90k | ▲ 81.2% |
| Taxes, remuneration and social security45 | - | €39k | €18k | €14k | €23k | ▲ 69.1% |
| Taxes450/3 | - | €39k | €18k | €13k | €22k | ▲ 71.8% |
| Remuneration and social security454/9 | - | - | - | €801 | €1k | ▲ 25.1% |
| Other amounts payable47/48 | - | €33k | €39k | €857 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | - | - | - | €1k | €0 | ▼ 100% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4.37M | €20k | €-8k | €-126k | €-49k | ▲ 60.9% |
| + Depreciation and write-downs630 | €11k | €55k | €64k | €66k | €76k | ▲ 15.2% |
| Operating cash flow (approximation) | €4.38M | €74k | €56k | €-60k | €27k | ▲ 145% |
| Investment in fixed assets (approximation) | - | €-243k | €-1.34M | €-945k | €-381k | ▲ 59.7% |
| Change in cash | - | €-932k | €-55k | €-731k | €-61k | ▲ 91.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-126k
Net result drops to €-126k, the lowest in the series; recovery starts the following year.
30-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 91 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 29 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 89 days late
2020
31-12
Financial
Highest result since 2018net €4.37M ▲10,844%
Net result €4.37M, the highest in the series.
31-12
Financial
Liquidity times 120current ratio 32.86
Current ratio from 0.27 to 32.86.
31-12
Financial
Equity above €2MEq €4.51M ▲3,136%
3 profitable years in a row build equity to €4.51M.
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 17 days late
2019
31-12
Financial
Equity above €100kEq €139k ▲40.2%
2 profitable years in a row build equity to €139k.
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 19 days late
Show earlier events
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
2016
11-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 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, Gent · 1 establishment unit since 2012
Ground area
794 m²
Building footprint
445 m²
Parcel 44803C0648/00E000, Flanders. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
B&T Consultancy
since 20122.212.707.580
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44803C0648/00E000 | Flanders | 794 m² | 1 · 445 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Recognitions · licences · registrations
Legal Entity Identifier
98450053AB2D153D6928
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Of 2,712 companies in sector 73200 we hold annual accounts for 1,782. 572 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded04-09-2012
Fiscal year end31-12
Activities, NACEBEL 2025
73200Market research and public opinion polling
70200Business and other management consultancy
71111Activities of building architects
71113Urban planning and landscape architecture
73110Advertising agencies
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.