BDL CONSULTING
ActiveBDL CONSULTING has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2k and a net result of €49. Equity is shrinking by ~15.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 10% of 16974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability38=
Solvency25▼-1
Growth32▼-16
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
0.4%
Return on assets
0%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 16974 sector peers (2025).
NBB · sector comparisonPosition among 16974 sector peers
Solvency
better than 10%
← weakest
strongest →
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
23 d early
2023
on the day
2022
60 d late
2021
29 d late
2020
18 d late
2019
117 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€46k▼ 55.9%
2024 · €104k
2018: €48k
2021: €48k
2022: €100k
2023: €48k
2024: €104k
2018 → 2025
EBIT margin
1.7%▲ 1.0pp
2024 · 0.7%
2018: 1.6%
2021: -34.9%
2022: 16.4%
2023: 1.2%
2024: 0.7%
2018 → 2025
Net result
€49▲ 58.1%
2024 · €31
2018: €72
2019: €2k
2020: €348
2021: €-17k
2022: €16k
2023: €373
2024: €31
2018 → 2025
Working capital
€2k▼ 40.5%
2024 · €3k
2018: €7k
2019: €9k
2020: €10k
2021: €-13k
2022: €3k
2023: €3k
2024: €3k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€48k-€100k▲ 108%€48k▼ 52.0%€104k▲ 117%€46k▼ 55.9%
Equity€-13k-€3k€3k▲ 13.9%€3k▲ 1.0%€2k▼ 40.5%
Operating result€-17k-€16k€591▼ 96.4%€758▲ 28.3%€783▲ 3.2%
Net result€-17k-€16k€373▼ 97.7%€31▼ 91.7%€49▲ 58.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €485k
Equity
€2k▼ 40.5%
Debt
€483k▲ 5.1%
The debt ratio rises from 99.3% to 99.6%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
0.4%▼
2024 · 0.7%
Current ratio
1.00▼
2024 · 1.01
Quick ratio
1.00▼
2024 · 1.01
ROE
2.6%▲
2024 · 1.0%
ROA
0.0%▲
2024 · 0.0%
Debt
€483k▲
2024 · €460k
Debt ≤ 1 year
€483k▲
2024 · €460k
Income taxes
€-23▼
2024 · €80
Staff costs
€38k▼
2024 · €99k
A ratio outside any meaningful range has been withheld (balance sheet total €485k, equity €2k).
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€463k€485k▲
Current assets29/58€463k€485k▲
Amounts receivable within one year40/41€463k€485k▲
Trade receivables40€457k€480k▲
Other amounts receivable41€6k€5k▼
Cash at bank and in hand54/58€18€44▲
Equity and liabilities
Total equity and liabilities10/49€463k€485k▲
Equity10/15€3k€2k▼
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Other1319€2k€2k=
Profit (loss) carried forward14€1k€41▼
Amounts payable17/49€460k€483k▲
Amounts payable within one year42/48€460k€483k▲
Trade debts44€9k€0▼
Suppliers440/4€9k€0▼
Taxes, remuneration and social security45€27k€390▼
Taxes450/3€5k€390▼
Remuneration and social security454/9€22k-
Other amounts payable47/48€424k€483k▲
Income statement
Code20242025
Turnover70€104k€46k▼
Goods, raw materials, services and sundry goods60/61€4k€8k▲
Remuneration, social security and pensions62€99k€38k▼
Gross operating margin9900€100k€38k▼
Operating profit (loss)9901€758€783▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€647€758▲
Recurring financial charges65€647€758▲
Profit (loss) for the period before taxes9903€111€25▼
Income taxes67/77€80€-23▼
Profit (loss) for the period9904€31€49▲
Profit (loss) for the period to be appropriated9905€31€49▲
Appropriation of the result
Profit (loss) to be appropriated9906€1k€1k▲
Profit (loss) brought forward from the previous period14P€1k€1k▲
Profit to be distributed694/7-€1k
Return on contributions (dividend)694-€1k
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Weakest financial yearnet €-17k ▼4985%
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
25-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 117 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, La Louvière · 1 establishment unit since 2013
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 Sylvain Guyaux(L.L) 857100 La LouvièreGround area
59 m²
Building footprint
82 m²
Parcel 55372C0058/00F009, Wallonia. Linked by address, not a title deed.
1 establishment unit
BDL CONSULTING
since 20132.216.671.417
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55372C0058/00F009 | Wallonia | 59 m² | 1 · 82 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.
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,390. 2,747 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-01-2013
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70220Business consulting
78200Temporary employment agencies and other provision of personnel
78300Employment activities
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.