Checked.be
Active
BE 0442.823.014Private limited company
BBS CONSULT
Grand Place(BIN) 11 ·7130 Binche, Belgium· 35 yrs active
Sector: Certified accountants and tax accountants
(69201)
Conclusion
BBS CONSULT has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €84k and a net result of €-25k. Equity is growing by ~3% per year across the filed fiscal years. Its solvency ranks better than 31% of 15373 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €84k |
| Net result | €-25k |
| Better than sector | 31% |
| Active | 35 yrs |
Financial profile
42
/ 100
Fragile profile, watch profitability in particular.
All 5 axes are computed from data Checked has read.
Health
20
Profitability
0
Solvency
59
Growth
32
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1990, 35 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
20
/ 100
Critical
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
No credit
negative equity or figures too weak
Score history
61
2021
61
2022
74
2023
20
2024
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 0.93 (< 1.0)
-10
Leverage
Debt/equity 1.55 (< 2.0)
+3
Profitability
Negatieve ROE -30%
-10
Interest coverage
Interest coverage -0.2× (< 1.5×)
-10
Profit trend
Net profit down YoY
-3
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview
Annual accounts filed on 10-09-2025 with the NBB · fiscal year 2024 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~3%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2024 · NACE 69, Legal and accounting activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 39.2% | 59.3% | |
| Net result | €-25k | €34k | |
| Equity | €84k | €97k | |
| Gross operating margin | €45k | €70k | |
| Staff costs | €45k | €41k |
€-2k
-
21-24
€-25k
-
21-24
€-10k
-
21-24
€214k
-10.3%
21-24
€84k
-23.3%
21-24
€-9k
-
21-24
2
-10.0%
21-24
€45k
-36.7%
21-24
€4k
-34.6%
21-24
€100k
-
21-24
€130k
+0.6%
21-24
€130k
+1.8%
21-24
0.93
-8.5%
21-24
0.93
-8.5%
21-24
39.2%
-14.4%
21-24
1.55
+31.1%
21-24
-30.3%
-
21-24
-11.9%
-
21-24
-0.24
-
21-24
Figures by fiscal year and ratios
| Fiscal year | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | full schema |
| Revenue | - | - | - | - |
| EBITDA | €-2k | €35k | €38k | €156k |
| Net profit | €-25k | €7k | €15k | €94k |
| Cash flow | €-10k | €23k | €30k | €108k |
| Staff costs | €45k | €71k | €73k | €92k |
| Income taxes | - | €4k | €6k | €47k |
| Dividends | - | - | - | €100k |
| Total assets | €214k | €239k | €249k | €220k |
| Equity | €84k | €109k | €102k | €88k |
| Debt | €130k | €129k | €147k | €132k |
| of which ≤ 1y | €130k | €128k | €147k | €132k |
| of which > 1y | - | - | - | - |
| Working capital | €-9k | €2k | €-22k | €-49k |
| Employees (FTE) | - | 1.8 | 2.0 | 3.0 |
Note: these years are not on the same basis. The filed schemas differ (micro schema, full schema), so the columns are not directly comparable.
Ratios (computed)
| 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|
| Current ratio | 0.93 | 1.01 | 0.85 | 0.63 |
| Quick ratio | 0.93 | 1.01 | 0.85 | 0.63 |
| Working capital ratio | -4.4% | 0.7% | -9.0% | -22.1% |
| Solvency | 39.2% | 45.8% | 41.1% | 40.0% |
| Debt / equity | 1.55 | 1.18 | 1.43 | 1.50 |
| Long-term debt ratio | - | - | - | - |
| Interest coverage | -0.24 | 4.17 | 18.26 | 1027.52 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | -11.9% | 2.9% | 5.8% | 42.6% |
| ROE | -30.3% | 6.4% | 14.2% | 106.6% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2024
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €214k | €239k | €249k | €220k |
| Fixed assets | 21/28 | €93k | €109k | €125k | €136k |
| Intangible fixed assets | 21 | €267 | €1k | €2k | - |
| Tangible fixed assets | 22/27 | €93k | €108k | €123k | €136k |
| Current assets | 29/58 | €121k | €130k | €124k | €83k |
| Amounts receivable within one year | 40/41 | €119k | €118k | €107k | €60k |
| Cash & bank | 54/58 | €662 | €8k | €17k | €22k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €214k | €239k | €249k | €220k |
| Equity | 10/15 | €84k | €109k | €102k | €88k |
| Contributions / capital | 10/11 | €20k | €20k | €19k | €19k |
| Reserves | 13 | €26k | €26k | €28k | €28k |
| Accumulated profits (losses) | 14 | €37k | €63k | €56k | €41k |
| Amounts payable | 17/49 | €130k | €129k | €147k | €132k |
| Amounts payable within one year | 42/48 | €130k | €128k | €147k | €132k |
| Trade debts payable within one year | 44 | €63k | €46k | €26k | €34k |
| Income statement | |||||
| Gross operating margin | 9900 | €45k | €109k | €112k | €251k |
| Operating result | 9901 | €-18k | €19k | €22k | €141k |
| Financial income | 75 | €2k | €104 | €1 | €163 |
| Financial charges | 65 | €9k | €8k | €2k | €151 |
| Result before taxes | 9903 | €-25k | €11k | €20k | €141k |
| Income taxes | 67/77 | - | €4k | €6k | €47k |
| Net result for the period | 9904 | €-25k | €7k | €15k | €94k |
| Result to be appropriated | 9905 | €-25k | €7k | €15k | €94k |
Legal Structure
| NACE primary | Certified accountants and tax accountants(69201) |
| Legal form | Private limited company(610) |
| Incorporation | 28-12-1990 |
| Status | Active |
| Postal code | 7130 |
Establishment units
BBS Consult
since 19992.227.088.128
Real-estate footprint
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56011B0316/00B000 | Wallonia | 77 m² | 1 · 62 m² | 15.7 m · 5 fl. |
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.
Updates
2025
10-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 41 days late
2024
31-12
Financial
Weakest financial yearnet €-25k ▼465%
Net result drops to €-25k, the lowest in the series.
31-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 153 days late
2023
10-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 71 days late
2022
31-12
Financial
Equity above €100kEq €102k ▲16.6%
2 profitable years in a row build equity to €102k.
11-04
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
08-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2015
24-11
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Certified accountants and tax accountants69201Legal and accounting activities6920274131Market research and public opinion polling73200
Names & trade names
| Legal nameFR | BBS CONSULT |
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