B2BCONSULTING
ActiveSummary
B2BCONSULTING has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €125,225 and a net result of -€13,344. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 85% of 11508 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability7▼-33
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days acceptable
Liquidity ample (current ratio 6.83 against 10.41 in 2024; short-term debt: 14.5% and cash: 1.7% of total assets), and 14.5% of the assets are financed with debt.
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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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
24 d late
2024
30 d late
2023
36 d early
2022
31 d late
2021
31 d early
2020
31 d late
2019
88 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 20 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
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. Usually files around 24 August (4 of the last 5 filed years within 55 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€125,225▼ 9.6%
2024 · €138,568
Total assets
€146,527▼ 4.3%
2024 · €153,159
Net result
-€13,344
2024 · €221
Working capital
€124,135▼ 9.6%
2024 · €137,287
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€8,773▼ 57.0%€21,417▲ 144%€1,593▼ 92.6%€6,909▲ 334%-€9,556
Net result€4,051within the sector's middle half▼ 69.6%-€8,953below the sector's middle half€194within the sector's middle half€221within the sector's middle half▲ 13.8%-€13,344below the sector's middle half
Equity€147,105within the sector's middle half▲ 2.8%€138,153within the sector's middle half▼ 6.1%€138,347within the sector's middle half▲ 0.1%€138,568within the sector's middle half▲ 0.2%€125,225within the sector's middle half▼ 9.6%
Total assets€195,490within the sector's middle half▲ 7.3%€155,109within the sector's middle half▼ 20.7%€152,160within the sector's middle half▼ 1.9%€153,159within the sector's middle half▲ 0.7%€146,527within the sector's middle half▼ 4.3%
Debt€48,384▲ 23.6%€16,957▼ 65.0%€13,813▼ 18.5%€14,591▲ 5.6%€21,302▲ 46.0%
Working capital€135,506above the sector's middle half▼ 5.2%€135,203above the sector's middle half▼ 0.2%€138,099above the sector's middle half▲ 2.1%€137,287above the sector's middle half▼ 0.6%€124,135within the sector's middle half▼ 9.6%
Solvency75.2%above the sector's middle half▼ 3.3pp89.1%above the sector's middle half▲ 13.8pp90.9%above the sector's middle half▲ 1.9pp90.5%above the sector's middle half▼ 0.4pp85.5%above the sector's middle half▼ 5.0pp
Current ratio3.80above the sector's middle half▼ 0.858.97above the sector's middle half▲ 5.1711.00above the sector's middle half▲ 2.0210.41above the sector's middle half▼ 0.596.83above the sector's middle half▼ 3.58
Return on assets (ROA)2.1%within the sector's middle half▼ 5.3pp-5.8%below the sector's middle half▼ 7.8pp0.1%within the sector's middle half▲ 5.9pp0.1%within the sector's middle half=-9.1%below the sector's middle half▼ 9.3pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €9,556 after €6,909 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €146,527
Fixed assets
€1,090 ▼ 14.9%
Current assets
€145,437 ▼ 4.2%
Equity and liabilities €146,527
Equity
€125,225 ▼ 9.6%
Debt
€21,302 ▲ 46.0%
Debt's share of the balance-sheet total rises from 9.5% to 14.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€9,321▼
2024 · €7,049
Cash flow
-€13,109▼
2024 · €361
Debt to equity
0.17▲
2024 · 0.11
ROE
-10.7%▼
2024 · 0.2%
Interest coverage
-3.49▼
2024 · 2.53
Debt ≤ 1 year
€21,302▲
2024 · €14,591
Income taxes
€1,123▼
2024 · €3,907
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,910 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 91% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a small loss
1.1%
went bankrupt
7.8%
stopped otherwise
91%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,910 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,877 | €8,650 | €2,773 | €140 | €235 | ▲ 67.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €2,191 | - |
| Other operating charges640/8 | €1,233 | €2,096 | €2,415 | €2,880 | €9,234 | ▲ 221% |
| Gross operating margin9900 | €15,883 | €32,163 | €6,781 | €9,928 | €2,104 | ▼ 78.8% |
| Operating profit (loss)9901 | €8,773 | €21,417 | €1,593 | €6,909 | -€9,556 | ▼ 238% |
| Financial income75/76B | €0 | €25 | - | €1 | €3 | ▲ 173% |
| Recurring financial income75 | €0 | €25 | - | €1 | €3 | ▲ 173% |
| Financial charges65/66B | €2,004 | €30,275 | €1,399 | €2,782 | €2,668 | ▼ 4.1% |
| Recurring financial charges65 | €2,004 | €30,275 | €1,399 | €2,782 | €2,668 | ▼ 4.1% |
| Profit (loss) for the period before taxes9903 | €6,768 | -€8,833 | €194 | €4,128 | -€12,221 | ▼ 396% |
| Income taxes67/77 | €2,717 | €120 | - | €3,907 | €1,123 | ▼ 71.3% |
| Profit (loss) for the period9904 | €4,051 | -€8,953 | €194 | €221 | -€13,344 | ▼ 6,137% |
| Profit (loss) for the period to be appropriated9905 | €4,051 | -€8,953 | €194 | €221 | -€13,344 | ▼ 6,137% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €195,490 | €155,109 | €152,160 | €153,159 | €146,527 | ▼ 4.3% |
| Formation expenses20 | - | - | €0 | €0 | €0 | - |
| Fixed assets21/28 | €11,600 | €2,950 | €248 | €1,281 | €1,090 | ▼ 14.9% |
| Intangible fixed assets21 | - | - | €0 | €0 | €0 | - |
| Tangible fixed assets22/27 | €11,423 | €2,773 | €0 | €1,033 | €798 | ▼ 22.7% |
| Plant, machinery and equipment23 | - | - | €0 | €1,033 | €798 | ▼ 22.7% |
| Furniture and vehicles24 | €11,423 | €2,773 | €0 | €0 | €0 | - |
| Financial fixed assets28 | €177 | €177 | €248 | €248 | €291 | ▲ 17.3% |
| Current assets29/58 | €183,890 | €152,160 | €151,911 | €151,878 | €145,437 | ▼ 4.2% |
| Amounts receivable after more than one year29 | €140,000 | €140,000 | €140,000 | €140,000 | €140,000 | = |
| Other amounts receivable291 | €140,000 | €140,000 | €140,000 | €140,000 | €140,000 | = |
| Amounts receivable within one year40/41 | €26,726 | €12,122 | €11,593 | €9,622 | €2,971 | ▼ 69.1% |
| Trade receivables40 | €18,224 | €12,122 | €1,029 | €9,622 | €2,971 | ▼ 69.1% |
| Other amounts receivable41 | €8,502 | - | €10,564 | - | - | - |
| Current investments50/53 | €17,130 | - | - | - | - | - |
| Cash at bank and in hand54/58 | - | - | €318 | €2,255 | €2,466 | ▲ 9.3% |
| Deferred charges and accrued income490/1 | €34 | €38 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €195,490 | €155,109 | €152,160 | €153,159 | €146,527 | ▼ 4.3% |
| Equity10/15 | €147,105 | €138,153 | €138,347 | €138,568 | €125,225 | ▼ 9.6% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | - | - | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €132,845 | €123,893 | €124,087 | €124,308 | €110,965 | ▼ 10.7% |
| Amounts payable17/49 | €48,384 | €16,957 | €13,813 | €14,591 | €21,302 | ▲ 46.0% |
| Amounts payable within one year42/48 | €48,384 | €16,957 | €13,813 | €14,591 | €21,302 | ▲ 46.0% |
| Financial debts43 | €10,839 | €154 | - | - | €10,979 | - |
| Credit institutions430/8 | €10,839 | €154 | - | - | €10,979 | - |
| Trade debts44 | €19,540 | €20 | €6,536 | €4,723 | €1,929 | ▼ 59.2% |
| Suppliers440/4 | €19,540 | €20 | €6,536 | €4,723 | €1,929 | ▼ 59.2% |
| Taxes, remuneration and social security45 | €9,329 | €9,837 | €600 | €2,351 | €1,776 | ▼ 24.5% |
| Taxes450/3 | €9,329 | €9,837 | €600 | €2,351 | €1,776 | ▼ 24.5% |
| Other amounts payable47/48 | €8,677 | €6,946 | €6,677 | €7,517 | €6,618 | ▼ 12.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4,051 | -€8,953 | €194 | €221 | -€13,344 | ▼ 6,137% |
| + Depreciation and write-downs630 | €5,877 | €8,650 | €2,773 | €140 | €235 | ▲ 67.9% |
| Operating cash flow (approximation) | €9,928 | -€303 | €2,967 | €361 | -€13,109 | ▼ 3,734% |
| Investment in fixed assets (approximation) | - | €0 | -€71 | -€1,173 | -€43 | ▲ 96.3% |
| Change in cash | - | - | - | €1,937 | €211 | ▼ 89.1% |
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
Next filing, fiscal year 2026, expected by
2026
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Weakest financial yearnet -€13,344
Net result drops to -€13,344, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €194
Net result €194 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 8.97
Current ratio from 3.80 to 8.97; short-term debt falls from €48,384 to €16,957.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
2019
31-12
Financial
Highest result since 2018net €13,399 ▲28.2%
Operating result €21,811, net result €13,399, both a record.
31-12
Financial
Liquidity times 8current ratio 4.16
Current ratio from 0.51 to 4.16.
Show earlier events
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
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.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Schoten · 1 establishment unit since 2009
Ground area
461 m²
Building footprint
223 m²
Volume, LiDAR
1,859 m³
Parcel 11443C0583/00N000, Flanders · tallest building 9.7 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
B2BCONSULTING
since 20092.179.562.779
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11443C0583/00N000 | Flanders | 461 m² | 1 · 223 m² | 9.7 m · 3 fl. |
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.
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Of 6,146 companies in sector 46190 we hold annual accounts for 2,577. 1,958 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
Founded05-06-2009
Fiscal year end31-12
Activities, NACEBEL 2025
46190Agents in non-specialised wholesale trade
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47789Other retail sale of new goods
61200Telecommunications resale and intermediation services
77110Renting and leasing of cars and light motor vehicles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0812099341
Registered
19-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.