BELGEMAT CONSULT
ActiveSummary
BELGEMAT CONSULT has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €896k and a net result of €179k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 93% of 2544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+9
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80k at 30 days acceptable
Liquidity ample (current ratio 13.62 against 7.03 in 2024; short-term debt: 6.7% and cash: 87.5% of total assets), and 10.1% 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 · 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
89.9%
Return on assets
18%
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 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
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 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
56 d early
2023
56 d early
2022
53 d early
2021
59 d early
2020
47 d early
2019
57 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
Turnover
€401k▼ 14.6%
2018 · €469k
2018: €469k
2018 → 2019
EBIT margin
23.5%▼ 2.4pp
2018 · 25.9%
2018: 25.9%
2018 → 2019
Net result
€179k▲ 90.9%
2024 · €94k
2018: €76k
2019: €58k
2020: €73k
2021: €86k
2022: €135k
2023: €114k
2024: €94k
2018 → 2025
Working capital
€840k▲ 23.1%
2024 · €682k
2018: €302k
2019: €369k
2020: €378k
2021: €472k
2022: €630k
2023: €667k
2024: €682k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€560k-€695k▲ 24.2%€729k▲ 4.9%€757k▲ 3.8%€896k▲ 18.4%
Operating result€120k-€192k▲ 60.6%€161k▼ 16.3%€127k▼ 20.9%€250k▲ 96.8%
Net result€86k-€135k▲ 57.5%€114k▼ 15.6%€94k▼ 18.0%€179k▲ 90.9%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 97% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €997k
Fixed assets
€90k ▼ 25.1%
Current assets
€906k ▲ 14.0%
Equity and liabilities €997k
Equity
€896k ▲ 18.4%
Debt
€100k ▼ 36.8%
Debt's share of the balance-sheet total falls from 17.3% to 10.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€281k▲
2024 · €155k
Cash flow
€209k▲
2024 · €122k
Current ratio
13.62▲
2024 · 7.03
Quick ratio
13.60▲
2024 · 7.01
Debt to equity
0.11▼
2024 · 0.21
ROE
20.0%▲
2024 · 12.4%
ROA
18.0%▲
2024 · 10.2%
Interest coverage
143.49▲
2024 · 73.58
Debt ≤ 1 year
€67k▼
2024 · €113k
Debt > 1 year
€25k▼
2024 · €34k
Income taxes
€81k▲
2024 · €41k
Staff costs
€161k▼
2024 · €165k
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 · 59 lines
Balance sheet
Code20242025
Assets
Total assets20/58€916k€997k▲
Fixed assets21/28€121k€90k▼
Tangible fixed assets22/27€121k€90k▼
Land and buildings22€65k€50k▼
Plant, machinery and equipment23€1k€165▼
Furniture and vehicles24€31k€21k▼
Other tangible fixed assets26€24k€20k▼
Current assets29/58€795k€906k▲
Stocks and contracts in progress3€2k€994▼
Stocks30/36€2k€994▼
Amounts receivable within one year40/41€43k€30k▼
Trade receivables40€29k€27k▼
Other amounts receivable41€14k€2k▼
Cash at bank and in hand54/58€747k€872k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€916k€997k▲
Equity10/15€757k€896k▲
Reserves13€490k€629k▲
Non-distributable reserves130/1€11k€11k=
Other1319€11k€11k=
Distributable reserves133€479k€618k▲
Profit (loss) carried forward14€267k€267k=
Provisions and deferred taxes16€0-
Provisions for liabilities and charges160/5€0-
Major repairs and maintenance162€0-
Amounts payable17/49€159k€100k▼
Amounts payable after more than one year17€34k€25k▼
Financial debts170/4€9k€0▼
Other amounts payable178/9€25k€25k=
Amounts payable within one year42/48€113k€67k▼
Current portion of amounts payable after more than one year42€12k€9k▼
Trade debts44€67k€11k▼
Suppliers440/4€67k€11k▼
Taxes, remuneration and social security45€33k€47k▲
Taxes450/3€11k€23k▲
Remuneration and social security454/9€23k€23k▲
Other amounts payable47/48€1k€1▼
Accrued charges and deferred income492/3€11k€8k▼
Income statement
Code20242025
Remuneration, social security and pensions62€165k€161k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€30k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€11k-
Other operating charges640/8€10k€10k▼
Gross operating margin9900€341k€452k▲
Operating profit (loss)9901€127k€250k▲
Financial income75/76B€10k€12k▲
Recurring financial income75€10k€12k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€135k€260k▲
Income taxes67/77€41k€81k▲
Profit (loss) for the period9904€94k€179k▲
Profit (loss) for the period to be appropriated9905€94k€179k▲
Appropriation of the result
Profit (loss) to be appropriated9906€347k€446k▲
Profit (loss) brought forward from the previous period14P€254k€267k▲
Transfer from equity791/2€36k-
Transfer to equity691/2€80k€179k▲
To other reserves6921€80k€179k▲
Profit to be distributed694/7€36k-
Return on contributions (dividend)694€36k-
The notes to these accounts (4 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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €179k ▲90.9%
Operating result €250k, net result €179k, both a record.
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Equity above €500kEq €560k ▲13.1%
4 profitable years in a row build equity to €560k.
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
04-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €58k ▼24%
Net result drops to €58k, the lowest in the series; recovery starts the following year.
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
09-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB 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, Montigny-le-Tilleul · 2 establishment units since 1995
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 du Vert Bois 1726110 Montigny-le-TilleulGround area
1,210 m²
Building footprint
197 m²
Volume, LiDAR
1,094 m³
Parcel 52048C0292/00H000, Wallonia · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
BELGEMAT CONSULT
since 19952.071.869.322
TRUCK WASH services
since 20042.136.733.024
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52048C0292/00H000 | Wallonia | 1,210 m² | 1 · 197 m² | 9.0 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.
Recognitions · licences · registrations
Legal Entity Identifier
984500C7B65A58394422
Similar companies · same sector, comparable size
DE WASSTRAAT
BE 0474.357.021
Herent · Eq €874k
CENTRAL CAR en TRUCK WASH
BE 0428.483.345
Herenthout · Eq €866k
Y & L CLEAN & STORE
BE 0845.000.454
Ardooie · Eq €864k
CARWASH STROET
BE 0860.392.077
Oudenaarde · Eq €939k
CARDS
BE 1016.469.334
Ieper · Eq €854k
Of 3,209 companies in sector 95316 we hold annual accounts for 752. 264 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
Founded30-03-1995
Fiscal year end31-12
Activities, NACEBEL 2025
95316Washing and cleaning of motor vehicles
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.