BD-CONSULTANCY
ActiveSummary
BD-CONSULTANCY has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €269k and a net result of €18k. Equity is growing by ~6% per year across the filed fiscal years. Its solvency ranks better than 57% of 7453 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-10
Solvency76▲+1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity tight (current ratio 1.32 against 1.58 in 2024; short-term debt: 21.8% and cash: 12.2% of total assets), and 49.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young 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
50.6%
Return on assets
3.3%
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 02-06-2026, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
59 d early
2024
59 d early
2023
58 d early
2022
11 d early
2021
48 d early
2020
36 d early
2019
38 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€269k▼ 11.1%
2024 · €303k
2018: €187k
2019: €243k
2020: €241k
2021: €277k
2022: €336k
2023: €327k
2024: €303k
2018 → 2025
Total assets
€532k▼ 12.7%
2024 · €610k
2018: €554k
2019: €599k
2020: €771k
2021: €758k
2022: €616k
2023: €632k
2024: €610k
2018 → 2025
Net result
€18k▼ 74.1%
2024 · €68k
2018: €28k
2019: €56k
2020: €44k
2021: €54k
2022: €131k
2023: €63k
2024: €68k
2018 → 2025
Working capital
€37k▼ 53.1%
2024 · €79k
2018: €19k
2019: €54k
2020: €-29k
2021: €24k
2022: €46k
2023: €74k
2024: €79k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€277k-€336k▲ 21.1%€327k▼ 2.6%€303k▼ 7.4%€269k▼ 11.1%
Operating result€96k-€205k▲ 114%€106k▼ 48.2%€124k▲ 16.6%€55k▼ 55.8%
Net result€54k-€131k▲ 141%€63k▼ 52.0%€68k▲ 8.8%€18k▼ 74.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 56% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €532k
Fixed assets
€379k ▼ 4.1%
Current assets
€153k ▼ 28.7%
Equity and liabilities €532k
Equity
€269k ▼ 11.1%
Debt
€263k ▼ 14.3%
Debt's share of the balance-sheet total falls from 50.3% to 49.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€86k▼
2024 · €168k
Cash flow
€49k▼
2024 · €113k
Current ratio
1.32▼
2024 · 1.58
Debt to equity
0.98▼
2024 · 1.01
ROE
6.6%▼
2024 · 22.5%
ROA
3.3%▼
2024 · 11.2%
Interest coverage
6.33▼
2024 · 10.34
Debt ≤ 1 year
€116k▼
2024 · €136k
Debt > 1 year
€147k▼
2024 · €171k
Income taxes
€23k▼
2024 · €39k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€610k€532k▼
Fixed assets21/28€395k€379k▼
Tangible fixed assets22/27€395k€379k▼
Land and buildings22€344k€328k▼
Furniture and vehicles24€17k€15k▼
Other tangible fixed assets26€34k€36k▲
Current assets29/58€214k€153k▼
Amounts receivable within one year40/41€11k€49k▲
Trade receivables40€11k€47k▲
Other amounts receivable41€0€2k▲
Cash at bank and in hand54/58€167k€65k▼
Deferred charges and accrued income490/1€37k€39k▲
Equity and liabilities
Total equity and liabilities10/49€610k€532k▼
Equity10/15€303k€269k▼
Contributions10/11€6k€6k=
Reserves13€297k€263k▼
Tax-exempt reserves132€8k€8k=
Distributable reserves133€288k€255k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€307k€263k▼
Amounts payable after more than one year17€171k€147k▼
Financial debts170/4€171k€147k▼
Amounts payable within one year42/48€136k€116k▼
Current portion of amounts payable after more than one year42€23k€24k▲
Trade debts44€14k€21k▲
Suppliers440/4€14k€21k▲
Taxes, remuneration and social security45€48k€23k▼
Taxes450/3€48k€23k▼
Other amounts payable47/48€49k€47k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€31k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€171k€88k▼
Operating profit (loss)9901€124k€55k▼
Financial income75/76B€88€0▼
Recurring financial income75€88€0▼
Financial charges65/66B€16k€14k▼
Recurring financial charges65€16k€14k▼
Profit (loss) for the period before taxes9903€107k€41k▼
Income taxes67/77€39k€23k▼
Profit (loss) for the period9904€68k€18k▼
Profit (loss) for the period to be appropriated9905€68k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€68k€18k▼
Transfer from equity791/2€24k€51k▲
Transfer to equity691/2€0€18k▲
To other reserves6921€0€18k▲
Profit to be distributed694/7€92k€51k▼
Return on contributions (dividend)694€92k€51k▼
The notes to these accounts (6 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
29-06
State Gazette act
Board meeting · Director resignation
Permanent representative
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €18k ▼74.1%
Net result drops to €18k, the lowest in the series.
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €131k ▲141%
Operating result €205k, net result €131k, both a record.
03-10
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €243k ▲29.9%
2 profitable years in a row build equity to €243k.
Show earlier events
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
04-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
09-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are 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, Bilzen-Hoeselt · 1 establishment unit since 2009
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.
Vrijhernstraat 333730 Bilzen-HoeseltGround area
1,336 m²
Building footprint
474 m²
Volume, LiDAR
2,303 m³
Parcel 73077C0249/00F000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BD-Consultancy
since 20092.176.745.425
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73077C0249/00F000 | Flanders | 1,336 m² | 1 · 474 m² | 8.1 m · 2 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.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 2,505 EUR awarded · 2,505 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 2,505 EUR | 2,505 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 11,290 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-02-2009
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43211General electrical installation work
43212Electrical installation work in industrial facilities
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0478/88.29.09