BAYARD CONSULTING
ActiveBAYARD CONSULTING has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €20k. Its solvency ranks better than 35% of 8601 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency61
Growth-
Track record67
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.3; short-term debt: 48.4% and cash: 25.3% of total assets), and 64.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
35.9%
Return on assets
31.8%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
on the day
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€22k
Total assets
€61k
Net result
€20k
Working capital
€9k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €61k
Fixed assets
€23k
Current assets
€39k
Equity and liabilities €61k
Equity
€22k
Debt
€39k
Debt finances 64.1% of the balance-sheet total.
Key figures and ratios
EBITDA
€30k
Cash flow
€22k
Solvency
35.9%
Current ratio
1.30
Quick ratio
1.30
Debt / equity
1.78
ROE
88.7%
ROA
31.8%
Interest coverage
25.99
Debt
€39k
Debt ≤ 1 year
€30k
Debt > 1 year
€10k
Income taxes
€7k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€61k
Fixed assets21/28€23k
Tangible fixed assets22/27€23k
Furniture and vehicles24€23k
Current assets29/58€39k
Amounts receivable within one year40/41€21k
Other amounts receivable41€21k
Cash at bank and in hand54/58€16k
Deferred charges and accrued income490/1€2k
Equity and liabilities
Total equity and liabilities10/49€61k
Equity10/15€22k
Contributions10/11€3k
Profit (loss) carried forward14€20k
Amounts payable17/49€39k
Amounts payable after more than one year17€10k
Other amounts payable178/9€10k
Amounts payable within one year42/48€30k
Current portion of amounts payable after more than one year42€12k
Trade debts44€4k
Suppliers440/4€4k
Taxes, remuneration and social security45€13k
Taxes450/3€13k
Accrued charges and deferred income492/3€17
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k
Other operating charges640/8€3k
Gross operating margin9900€33k
Operating profit (loss)9901€28k
Financial income75/76B€330
Recurring financial income75€330
Financial charges65/66B€1k
Recurring financial charges65€1k
Profit (loss) for the period before taxes9903€27k
Income taxes67/77€7k
Profit (loss) for the period9904€20k
Profit (loss) for the period to be appropriated9905€20k
Appropriation of the result
Profit (loss) to be appropriated9906€20k
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
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
NBB filing
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, Durbuy · 1 establishment unit since 2025
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.
Pas Bayard (Oppagne) 96940 DurbuyGround area
452 m²
Building footprint
83 m²
Parcel 83054B0102/00E000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Pas Bayard (Oppagne) 9, 6940 Durbuy
since 20252.370.499.955
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83054B0102/00E000 | Wallonia | 452 m² | 1 · 83 m² | - |
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.
Similar companies · same sector, comparable size
MA-VI
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Engi-B
BE 0684.641.143
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AVOLINK
BE 0471.878.373
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HIGH HER
BE 0801.188.920
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SMART BUSINESS SOLUTIONS
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 31,615 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-02-2025
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
43211General electrical installation work
43212Electrical installation work in industrial facilities
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.