BACO CONSULTING & MANAGEMENT
ActiveThe computed 12-month bankruptcy probability of BACO CONSULTING & MANAGEMENT is 1.6% (moderate). The 2025 annual accounts show negative equity (€-6k) and a net result of €-4k. Equity is shrinking by ~49.3% per year across the filed fiscal years. Its solvency ranks better than 6% of 7740 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
24
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability10▲+10
Solvency0▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.32 against 0.3 in 2024; short-term debt: 179.8% and cash: 4.3% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 2025Solvency, return and age of the figures
Solvency
-79.8%
Return on assets
-49.4%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €-6k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-07-2026, 19 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
19 d early
2024
24 d early
2023
on the day
2022
13 d early
2021
31 d late
2020
on the day
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-6k▼ 162%
2024 · €-2k
2020: €-22k
2021: €17k
2022: €64k
2023: €6k
2024: €-2k
2020 → 2025
Total assets
€8k▼ 32.3%
2024 · €12k
2020: €19k
2021: €112k
2022: €149k
2023: €19k
2024: €12k
2020 → 2025
Net result
€-4k▲ 52.0%
2024 · €-8k
2020: €-27k
2021: €39k
2022: €47k
2023: €-12k
2024: €-8k
2020 → 2025
Working capital
€-10k▲ 1.9%
2024 · €-10k
2020: €18k
2021: €72k
2022: €48k
2023: €-7k
2024: €-10k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€17k-€64k▲ 272%€6k▼ 91.2%€-2k€-6k▼ 162%
Operating result€44k-€60k▲ 36.0%€-11k€-8k▲ 33.9%€-3k▲ 61.0%
Net result€39k-€47k▲ 19.6%€-12k€-8k▲ 31.5%€-4k▲ 52.0%
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 €3k in 2025 against €8k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8k
Fixed assets
€3k▼ 55.1%
Current assets
€5k▲ 7.5%
Key figures and ratios
EBITDA
€1k▲
2024 · €-3k
Cash flow
€188▲
2024 · €-3k
Solvency
-79.8%▼
2024 · -20.6%
Current ratio
0.32▲
2024 · 0.30
Quick ratio
0.32▲
2024 · 0.30
Debt / equity
-2.25▲
2024 · -5.85
ROA
-49.4%▲
2024 · -69.6%
Interest coverage
1.20▲
2024 · -5.16
Debt
€14k▲
2024 · €14k
Debt ≤ 1 year
€14k▲
2024 · €14k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€12k€8k▼
Fixed assets21/28€7k€3k▼
Intangible fixed assets21€917-
Tangible fixed assets22/27€6k€3k▼
Furniture and vehicles24€6k€3k▼
Current assets29/58€4k€5k▲
Amounts receivable within one year40/41€3k€4k▲
Trade receivables40-€483
Other amounts receivable41€3k€4k▲
Cash at bank and in hand54/58€815€335▼
Equity and liabilities
Total equity and liabilities10/49€12k€8k▼
Equity10/15€-2k€-6k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€-7k€-11k▼
Amounts payable17/49€14k€14k▲
Amounts payable within one year42/48€14k€14k▲
Trade debts44€6€458▲
Suppliers440/4€6€458▲
Other amounts payable47/48€14k€14k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€4k▼
Other operating charges640/8€457€471▲
Gross operating margin9900€-2k€2k▲
Operating profit (loss)9901€-8k€-3k▲
Financial income75/76B€3-
Recurring financial income75€3-
Financial charges65/66B€502€922▲
Recurring financial charges65€502€922▲
Profit (loss) for the period before taxes9903€-8k€-4k▲
Profit (loss) for the period9904€-8k€-4k▲
Profit (loss) for the period to be appropriated9905€-8k€-4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-11k▼
Profit (loss) brought forward from the previous period14P€679€-7k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
12-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €47k ▲19.6%
Operating result €60k, net result €47k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €39k
Net result €39k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Aywaille · 1 establishment unit since 2019
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue de Septroux 204920 AywailleGround area
173 m²
Building footprint
44 m²
Volume, LiDAR
370 m³
Parcel 62009A0957/00Z000, Wallonia · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BACO CONSULTING & MANAGEMENT
since 20192.298.735.296
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62009A0957/00Z000 | Wallonia | 173 m² | 1 · 44 m² | 9.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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 11,225 companies in sector 82100 we hold annual accounts for 3,511. 1,415 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-10-2019
Fiscal year end31-12
Activities, NACEBEL
82100Office administrative and support services
82110Office administrative, office support and other business support activities
64999Other financial services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.