B4 Consult

Active

Private limited companyfounded 20188 yrs activeAlsembergsesteenweg 897, 1180 Ukkel, BelgiumKBO/BCE: BE 0687.542.037

Summary

The annual accounts of B4 Consult for fiscal year 2025 show a net loss of 69% of total assets. The 2025 annual accounts show equity of €40,069 and a net result of -€38,202. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 67% of 8127 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.3% (low).

Risk analysisWatch Report Compare

B4 ConsultActiveChecked score 54/100

Risk analysis Report Compare

Activity

Public relations and communication consultancy

NACE 73300NACE 70210

1 site

Size

€55,671total assets 2025

Equity: €40,069
Loss: -€38,202

Turnover not published (abridged schema)

Financial health

54 Fair Checked score 2025

Bankruptcy chance 12 m: 1.3%

Structure

Accounts 24 d early1 of 4 deeds read

Why 54Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year- Loss of €38,202 (FY 2025)- Liquidity: current ratio 3.33, cash €95, halved- Size: total assets €55,671+ Sector Advertising, market research and public relations activities (NACE 73)Show the evidence

Checked score

Score 2025

54 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 28% of its sector peers (NACE 73, micro)

Performance against the sector, not lower risk

A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that weighs is under Signals.

Financial strength · tick = 2024

Weak

Solvency 97+48

equity 72.0% of total assets

Liquidity 39=

short-term debt 28.0% · cash 0.2%

Profitability 0-49

return on assets -68.6%

Bankruptcy probability, 12 months

1.3% Low

0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (11,139 companies)

Last 24 months 11-2024: 0.7% 12-2024: 0.7%● 0.0% vs 11-2024 01-2025: 0.7%● 0.0% vs 12-2024 02-2025: 0.7%▲ +1.5% vs 01-2025 03-2025: 0.7%● 0.0% vs 02-2025 04-2025: 0.8%▲ +7.1% vs 03-2025 05-2025: 0.9%▲ +10.1% vs 04-2025 06-2025: 0.8%▼ -1.7% vs 05-2025 07-2025: 0.9%▲ +9.9% vs 06-2025 08-2025: 0.9%▼ -2.1% vs 07-2025 09-2025: 0.9%● 0.0% vs 08-2025 10-2025: 0.9%▼ -4.8% vs 09-2025 11-2025: 0.5%▼ -43.4% vs 10-2025 12-2025: 0.5%● 0.0% vs 11-2025 01-2026: 0.5%▼ -1.0% vs 12-2025 02-2026: 0.4%▼ -7.8% vs 01-2026lowest value 03-2026: 0.4%● 0.0% vs 02-2026lowest value 04-2026: 0.5%▲ +10.5% vs 03-2026 05-2026: 0.5%▼ -4.4% vs 04-2026 06-2026: 0.5%▼ -1.9% vs 05-2026 07-2026: 0.5%▲ +7.8% vs 06-2026 08-2026: 1.3%▲ +156% vs 07-2026highest value 09-2026: 1.3%● 0.0% vs 08-2026highest value 10-2026: 1.3%● 0.0% vs 09-2026highest value

Loss of €38,202 (FY 2025) raises the probability
Liquidity: current ratio 3.33, cash €95, halved raises the probability
Sector Advertising, market research and public relations activities (NACE 73) lowers the probability
Size: total assets €55,671 raises the probability for this profile

Credit up to €2,000 at 30 days only on tighter terms

Net loss of at least half of total assets or of the equity at the start of the financial year.

Liquidity ample (current ratio 3.33 against 0.41 in 2024; short-term debt: 28% and cash: 0.2% of total assets), and 28% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 73, micro). Better than this share of them on solvency 70%, liquidity 22%, profitability 6%, growth against the median 13%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Loss of €38,202 (FY 2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Liquidity: current ratio 3.33, cash €95, halved

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Sector Advertising, market research and public relations activities (NACE 73)

In the bankruptcy model this factor lowers the probability.

KBO

Size: total assets €55,671

In the bankruptcy model this factor raises the probability for this profile.

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-07-2026, 24 days ahead of the deadline.

NBB · 8 filings

Deviation from the deadline

2025

24 d early

2024

14 d early

2023

33 d early

2022

22 d late

2021

31 d early

2020

33 d early

2019

66 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 7 days before the deadline; the sector median for financial year 2024 is 6 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)

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 7 July (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

04-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

18-09-26 General meeting · Registered-office moveState Gazette act
07-07-26 Annual accounts filedfiscal year 2025 · micro…
31-12-25 Liquidity times 8current ratio 3.33

Key points

Caution: From profit to loss in 2025after €19,981 in 2024 -€38,202 View
Caution: Among the weakest 5% on net resultsector median €14,534 · 8,126 companies -€38,202 View
Total assets 20256 fiscal years filed €55,671 View