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B4U CONSULT

Active
Private limited companyfounded 200620 yrs activeBegijnhoflaan 444, 9000 Gent, BelgiumKBO/BCE: BE 0878.793.868
Summary

B4U CONSULT has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €120,611 and a net result of €4,758. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 81% of 656 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
B4U CONSULTActiveChecked score 96/100
Risk analysis ReportCompare

Overview

Activity
Business and other management consultancy
NACE 70200Business consulting NACE 70220NACE 74142
1 site
Size
€133,932total assets 2026
Equity
€120,611
Profit
€4,758
Turnover not published (abridged schema)
Financial health
96 Excellent Checked score 2026
Bankruptcy chance 12 m
< 0.1%
Structure
Accounts 46 d early0 of 2 deeds read
Why 96+ Liquidity: current ratio 8.25, cash €90,098+ Equity €120,611 (90.1% of total assets)+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Size: total assets €133,932Show the evidence

Checked score

Score 2026
96 / 100
Excellent
Probability in this band: under 0.55%
Better than 67% of its sector peers (NACE 70, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2025
Strong
Solvency 100=
equity 90.1% of total assets
Liquidity 100+9
short-term debt 9.9% · cash 67.3%
Profitability 73+3
return on assets 3.6%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (48,260 companies)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● 0.0% vs 11-2024 01-2025: < 0.1%● 0.0% vs 12-2024 02-2025: < 0.1%● 0.0% vs 01-2025 03-2025: < 0.1%▼ -4.8% vs 02-2025 04-2025: < 0.1%▼ -5.0% vs 03-2025lowest value 05-2025: < 0.1%● 0.0% vs 04-2025lowest value 06-2025: < 0.1%● 0.0% vs 05-2025lowest value 07-2025: < 0.1%● 0.0% vs 06-2025lowest value 08-2025: < 0.1%● 0.0% vs 07-2025lowest value 09-2025: < 0.1%● 0.0% vs 08-2025lowest value 10-2025: < 0.1%▲ +21.1% vs 09-2025highest value 11-2025: < 0.1%▼ -4.3% vs 10-2025 12-2025: < 0.1%● 0.0% vs 11-2025 01-2026: < 0.1%● 0.0% vs 12-2025 02-2026: < 0.1%● 0.0% vs 01-2026 03-2026: < 0.1%● 0.0% vs 02-2026 04-2026: < 0.1%▼ -9.1% vs 03-2026 05-2026: < 0.1%● 0.0% vs 04-2026 06-2026: < 0.1%● 0.0% vs 05-2026 07-2026: < 0.1%● 0.0% vs 06-2026 08-2026: < 0.1%● 0.0% vs 07-2026 09-2026: < 0.1%● 0.0% vs 08-2026 10-2026: < 0.1%● 0.0% vs 09-2026
  • Liquidity: current ratio 8.25, cash €90,098 lowers the probability
  • Equity €120,611 (90.1% of total assets) lowers the probability
  • Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
  • Size: total assets €133,932 lowers the probability for this profile
Credit up to €11,000 at 30 days acceptable
Liquidity ample (current ratio 8.25 against 3.23 in 2025; short-term debt: 9.9% and cash: 67.3% of total assets), and 9.9% 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 70, micro). Better than this share of them on solvency 86%, liquidity 97%, profitability 37%, growth against the median 49%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. 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.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Liquidity: current ratio 8.25, cash €90,098
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €120,611 (90.1% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Sector Activities of head offices; management consultancy activities (NACE 70)
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Size: total assets €133,932
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 15-09-2026, 46 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2026
46 d early
2025
19 d early
2024
17 d early
2023
13 d early
2022
6 d early
2021
33 d early
2020
16 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 17 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today. Usually files around 14 October (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
05-10-2026 today31-03-2027 close31-10-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2026 · micro…
  2. General meeting · Director appointmentPermanent representative · Director resignation
  3. Liquidity triplescurrent ratio 8.25

Key points

  • Positive: Among the best 20% on solvencysector median 61.9% · 656 companies 90.1% View
  • Positive: Always filed on timeaccounts within the deadline every year 6 years View
  • Positive: 5 profitable years in a rowprofit 2026: €4,758 5 years View

By topic

Financials

Fiscal year
2026
Total assets
€133,932
Profit
€4,758
Solvency
90.1%
Total assets▼ 13.2%
Net result
20192026
Go to Financials

Timeline

Events
13
Since
2017
Next accounts
by 31-10-2027
  1. 15-09-2026Annual accounts filed
  2. 06-05-2026General meeting · Director appointment
  3. 31-03-2026Liquidity triples
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Business and other management consultancyNACE 70200
Founded
18-01-2006
Year ends
31-03
Peppol
Reachable for e-invoices
Go to Company details

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