B2C
ActiveSummary
B2C has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €511k and a net result of €-97. Equity is growing by ~35% per year across the filed fiscal years. Its solvency ranks better than 87% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability37=
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
short-term debt: 0.8% and cash: 0.4% of total assets, and 10.8% of the assets are financed with debt.
Credit check 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
89.2%
Return on assets
0%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-05-2026, 29 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
29 d late
2024
on the day
2023
on the day
2021
31 d late
2020
31 d late
2019
116 d late
2018
106 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€511k=
2024 · €511k
2018: €80klowest value
2019: €84k▲ +6.3% vs 2018
2020: €92k▲ +8.6% vs 2019
2021: €92k▼ -0.1% vs 2020
2023: €514khighest value
2024: €511k▼ -0.5% vs 2023
2025: €511k● -0.0% vs 2024
2018 → 2025
Total assets
€573k▼ 13.2%
2024 · €661k
2018: €325k
2019: €284k▼ -12.7% vs 2018
2020: €190k▼ -33.1% vs 2019
2021: €171k▼ -9.9% vs 2020lowest value
2023: €909khighest value
2024: €661k▼ -27.3% vs 2023
2025: €573k▼ -13.2% vs 2024
2018 → 2025
Net result
€-97▲ 95.9%
2024 · €-2k
2018: €10k
2019: €5k▼ -50.6% vs 2018
2020: €7k▲ +45.7% vs 2019
2021: €-50▼ -101% vs 2020
2023: €467khighest value
2024: €-2k▼ -101% vs 2023lowest value
2025: €-97▲ +95.9% vs 2024
2018 → 2025
Working capital
€542k=
2024 · €542k
2018: €-12klowest value
2019: €8k▲ +173% vs 2018
2020: €40k▲ +374% vs 2019
2021: €72k▲ +81.2% vs 2020
2023: €744khighest value
2024: €542k▼ -27.2% vs 2023
2025: €542k● -0.0% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202320242025Trend
Equity€92k-€92k▼ 0.1%€514k▲ 460%€511k▼ 0.5%€511k=
2020: €92k
2021: €92k▼ -0.1% vs 2020lowest value
2023: €514khighest value
2024: €511k▼ -0.5% vs 2023
2025: €511k● -0.0% vs 2024
Operating result€28k-€11k▼ 61.6%€619k▲ 5,740%€-2k€-70▲ 96.9%
2020: €28k
2021: €11k▼ -61.6% vs 2020
2023: €619khighest value
2024: €-2k▼ -100% vs 2023lowest value
2025: €-70▲ +96.9% vs 2024
Net result€7k-€-50€467k€-2k€-97▲ 95.9%
2020: €7k
2021: €-50▼ -101% vs 2020
2023: €467khighest value
2024: €-2k▼ -101% vs 2023lowest value
2025: €-97▲ +95.9% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €70 in 2025 against €2k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €573k
Fixed assets
€27k =
Current assets
€546k ▼ 13.8%
Equity and liabilities €573k
Equity
€511k =
Provisions
€53k =
Debt
€9k ▼ 90.8%
Debt's share of the balance-sheet total falls from 14.6% to 1.5%. Debt is lower.
Key figures and ratios
Debt to equity
0.02▼
2024 · 0.19
ROE
0.0%▲
2024 · -0.5%
ROA
0.0%▲
2024 · -0.4%
Debt ≤ 1 year
€5k▼
2024 · €92k
A ratio outside any meaningful range has been withheld (balance sheet total €573k, equity €511k).
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 · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€661k€573k▼
Fixed assets21/28€27k€27k=
Tangible fixed assets22/27€23k€23k=
Furniture and vehicles24€23k€23k=
Financial fixed assets28€4k€4k=
Current assets29/58€634k€546k▼
Amounts receivable within one year40/41€548k€544k▼
Trade receivables40€12k€7k▼
Other amounts receivable41€536k€537k▲
Current investments50/53€58k€124▼
Cash at bank and in hand54/58€28k€2k▼
Equity and liabilities
Total equity and liabilities10/49€661k€573k▼
Equity10/15€511k€511k=
Contributions10/11€40k€40k=
Reserves13€197k€197k=
Tax-exempt reserves132€178k€178k=
Distributable reserves133€19k€19k=
Profit (loss) carried forward14€274k€274k=
Provisions and deferred taxes16€53k€53k=
Deferred taxes168€53k€53k=
Amounts payable17/49€96k€9k▼
Amounts payable within one year42/48€92k€5k▼
Taxes, remuneration and social security45€92k€5k▼
Taxes450/3€92k€5k▼
Accrued charges and deferred income492/3€4k€4k=
Income statement
Code20242025
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€5k
Other operating charges640/8€605€528▼
Gross operating margin9900€-2k€6k▲
Operating profit (loss)9901€-2k€-70▲
Financial income75/76B€266€303▲
Recurring financial income75€266€303▲
Financial charges65/66B€279€329▲
Recurring financial charges65€279€329▲
Profit (loss) for the period before taxes9903€-2k€-97▲
Income taxes67/77€80-
Profit (loss) for the period9904€-2k€-97▲
Profit (loss) for the period to be appropriated9905€-2k€-97▲
Appropriation of the result
Profit (loss) to be appropriated9906€274k€274k=
Profit (loss) brought forward from the previous period14P€277k€274k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €9k | - | - | - |
| Remuneration, social security and pensions62 | - | €164k | €131k | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €85k | €46k | - | - | - | - |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €5k | - |
| Other operating charges640/8 | - | €10k | €12k | €605 | €528 | ▼ 12.6% |
| Gross operating margin9900 | €252k | €230k | €762k | €-2k | €6k | ▲ 438% |
| Operating profit (loss)9901 | €28k | €11k | €619k | €-2k | €-70 | ▲ 96.9% |
| Financial income75/76B | - | €1 | €0 | €266 | €303 | ▲ 14.1% |
| Recurring financial income75 | €8 | €1 | €0 | €266 | €303 | ▲ 14.1% |
| Financial charges65/66B | - | €5k | €7k | €279 | €329 | ▲ 18.1% |
| Recurring financial charges65 | €15k | €5k | €7k | €279 | €329 | ▲ 18.1% |
| Profit (loss) for the period before taxes9903 | €12k | €5k | €612k | €-2k | €-97 | ▲ 95.7% |
| Transfer to deferred taxes680 | - | - | €53k | - | - | - |
| Income taxes67/77 | €5k | €5k | €92k | €80 | - | - |
| Profit (loss) for the period9904 | €7k | €-50 | €467k | €-2k | €-97 | ▲ 95.9% |
| Transfer to tax-exempt reserves689 | - | - | €159k | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €7k | €-50 | €308k | €-2k | €-97 | ▲ 95.9% |
| Line | 2020 | 2021 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €190k | €171k | €909k | €661k | €573k | ▼ 13.2% |
| Fixed assets21/28 | €77k | €41k | €27k | €27k | €27k | = |
| Intangible fixed assets21 | €30k | - | - | - | - | - |
| Tangible fixed assets22/27 | €42k | €36k | €23k | €23k | €23k | = |
| Land and buildings22 | - | €5k | - | - | - | - |
| Furniture and vehicles24 | - | €31k | €23k | €23k | €23k | = |
| Financial fixed assets28 | €5k | €5k | €4k | €4k | €4k | = |
| Current assets29/58 | €113k | €130k | €882k | €634k | €546k | ▼ 13.8% |
| Amounts receivable within one year40/41 | €62k | €59k | €749k | €548k | €544k | ▼ 0.7% |
| Trade receivables40 | - | €52k | €12k | €12k | €7k | ▼ 42.6% |
| Other amounts receivable41 | - | €7k | €737k | €536k | €537k | ▲ 0.2% |
| Current investments50/53 | €14k | €33k | €58k | €58k | €124 | ▼ 99.8% |
| Cash at bank and in hand54/58 | €36k | €35k | €75k | €28k | €2k | ▼ 91.9% |
| Deferred charges and accrued income490/1 | - | €2k | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €190k | €171k | €909k | €661k | €573k | ▼ 13.2% |
| Equity10/15 | €92k | €92k | €514k | €511k | €511k | = |
| Contributions10/11 | - | €40k | €40k | €40k | €40k | = |
| Reserves13 | €38k | €38k | €197k | €197k | €197k | = |
| Non-distributable reserves130/1 | - | €4k | - | - | - | - |
| Reserves not available under the articles1311 | - | €4k | - | - | - | - |
| Tax-exempt reserves132 | - | €19k | €178k | €178k | €178k | = |
| Distributable reserves133 | - | €15k | €19k | €19k | €19k | = |
| Profit (loss) carried forward14 | €14k | €14k | €277k | €274k | €274k | = |
| Provisions and deferred taxes16 | - | - | €53k | €53k | €53k | = |
| Deferred taxes168 | - | - | €53k | €53k | €53k | = |
| Amounts payable17/49 | €98k | €79k | €342k | €96k | €9k | ▼ 90.8% |
| Amounts payable within one year42/48 | €73k | €58k | €138k | €92k | €5k | ▼ 95.0% |
| Trade debts44 | €7k | €15k | €1k | - | - | - |
| Suppliers440/4 | - | €15k | €1k | - | - | - |
| Taxes, remuneration and social security45 | - | €43k | €92k | €92k | €5k | ▼ 95.0% |
| Taxes450/3 | - | €17k | €92k | €92k | €5k | ▼ 95.0% |
| Remuneration and social security454/9 | - | €26k | - | - | - | - |
| Other amounts payable47/48 | - | - | €45k | - | - | - |
| Accrued charges and deferred income492/3 | - | €21k | €204k | €4k | €4k | = |
| Line | 2020 | 2021 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7k | €-50 | €467k | €-2k | €-97 | ▲ 95.9% |
| + Depreciation and write-downs630 | €85k | €46k | - | - | - | - |
| Operating cash flow (approximation) | €93k | €46k | €467k | €-2k | €-97 | ▲ 95.9% |
| Investment in fixed assets (approximation) | - | €-10k | - | €0 | €0 | - |
| Change in cash | - | €-606 | - | €-47k | €-25k | ▲ 46.3% |
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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
30-09
Financial
Liquidity times 17current ratio 119.42
Current ratio from 6.90 to 119.42; short-term debt falls from €92k to €5k.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €467k
Net result €467k after one loss-making year.
30-09
Financial
Liquidity triplescurrent ratio 6.39
Current ratio from 2.25 to 6.39.
30-09
Financial
Equity above €500kEq €514k ▲460%
Equity rises from €92k to €514k.
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
24-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 116 days late
2019
14-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 106 days late
Show earlier events
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Mouscron · 1 establishment unit since 2013
Ground area
812 m²
Building footprint
135 m²
Parcel 54432C0350/00G000, Wallonia. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
B2C-Conseils
since 20132.215.042.906
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54432C0350/00G000 | Wallonia | 812 m² | 1 · 135 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.
Similar companies · same sector, comparable size
KAVANKO
BE 0453.961.978
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MERCURE ADVISORS
BE 0562.928.909
Brussel · Eq €511,333
TANIS
BE 0455.973.145
Avelgem · Eq €511,188
NACHTEGAEL
BE 0884.604.267
Heist-op-den-Berg · Eq €511,385
STELODEV
BE 0663.872.849
Gent · Eq €511,127
Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 34,478 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
Founded29-11-2012
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
66191Agents and brokers in banking services
66220Insurance agents and brokers
69201Certified accountants and tax accountants
Scores and ratios are computed by Checked and are not a credit decision.