BH CONSULTING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €532k and a net result of €54k. Equity is growing by ~11.4% per year across the filed fiscal years. Its solvency ranks better than 40% of 2425 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-01-2026, 26 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
26 d early
2024
43 d early
2023
5 d late
2022
50 d early
2021
7 d late
2020
1 d late
2019
18 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€532k▲ 11.4%
2024 · €478k
2019: €83k
2020: €353k
2021: €362k
2022: €371k
2023: €399k
2024: €478k
2019 → 2025
Net result
€54k▼ 30.8%
2024 · €78k
2019: €3k
2020: €270k
2021: €6k
2022: €9k
2023: €28k
2024: €78k
2019 → 2025
Total assets
€1.38M▼ 3.6%
2024 · €1.43M
2019: €576k
2020: €1.20M
2021: €1.34M
2022: €1.30M
2023: €1.35M
2024: €1.43M
2019 → 2025
Solvency
38.5%▲ 5.2pp
2024 · 33.4%
2019: 14.4%
2020: 29.3%
2021: 27.0%
2022: 28.5%
2023: 29.5%
2024: 33.4%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€362k-€371k▲ 2.6%€399k▲ 7.5%€478k▲ 19.6%€532k▲ 11.4%
Operating result€12k-€38k▲ 209%€57k▲ 49.1%€129k▲ 127%€98k▼ 24.1%
Net result€6k-€9k▲ 65.7%€28k▲ 199%€78k▲ 180%€54k▼ 30.8%
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 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.38M
Fixed assets
€1.08M▼ 8.3%
Current assets
€299k▲ 18.7%
Equity and liabilities €1.38M
Equity
€532k▲ 11.4%
Provisions
€80k▼ 4.0%
Debt
€769k▼ 11.7%
The debt ratio falls from 60.8% to 55.6%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
38.5%▲
2024 · 33.4%
ROE
10.2%▼
2024 · 16.4%
ROA
3.9%▼
2024 · 5.5%
Debt
€769k▼
2024 · €870k
Debt ≤ 1 year
€462k▼
2024 · €597k
Debt > 1 year
€306k▲
2024 · €273k
Income taxes
€26k▼
2024 · €39k
Staff costs
€64k▲
2024 · €49k
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€1.43M€1.38M▼
Fixed assets21/28€1.18M€1.08M▼
Tangible fixed assets22/27€1.18M€1.08M▼
Land and buildings22€1.03M€956k▼
Plant, machinery and equipment23€6k€8k▲
Furniture and vehicles24€126k€103k▼
Other tangible fixed assets26€21k€15k▼
Financial fixed assets28€174€174=
Current assets29/58€252k€299k▲
Amounts receivable within one year40/41€212k€285k▲
Trade receivables40€203k€280k▲
Other amounts receivable41€9k€4k▼
Cash at bank and in hand54/58€33k€4k▼
Deferred charges and accrued income490/1€8k€11k▲
Equity and liabilities
Total equity and liabilities10/49€1.43M€1.38M▼
Equity10/15€478k€532k▲
Contributions10/11€6k€6k=
Reserves13€418k€473k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€252k€241k▼
Distributable reserves133€165k€229k▲
Profit (loss) carried forward14€53k€53k=
Provisions and deferred taxes16€84k€80k▼
Deferred taxes168€84k€80k▼
Amounts payable17/49€870k€769k▼
Amounts payable after more than one year17€273k€306k▲
Financial debts170/4€273k€306k▲
Other amounts payable178/9€200€200=
Amounts payable within one year42/48€597k€462k▼
Current portion of amounts payable after more than one year42€92k€120k▲
Financial debts43€2k€649▼
Credit institutions430/8€2k€649▼
Trade debts44€115k€109k▼
Suppliers440/4€115k€109k▼
Taxes, remuneration and social security45€37k€36k▼
Taxes450/3€27k€20k▼
Remuneration and social security454/9€10k€16k▲
Other amounts payable47/48€351k€197k▼
Income statement
Code20242025
Remuneration, social security and pensions62€49k€64k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€95k€118k▲
Other operating charges640/8€7k€5k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€280k€285k▲
Operating profit (loss)9901€129k€98k▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€14k€21k▲
Recurring financial charges65€14k€21k▲
Profit (loss) for the period before taxes9903€114k€77k▼
Transfer from deferred taxes780€3k€3k=
Income taxes67/77€39k€26k▼
Profit (loss) for the period9904€78k€54k▼
Transfer from tax-exempt reserves789€10k€10k=
Profit (loss) for the period to be appropriated9905€89k€64k▼
Appropriation of the result
Profit (loss) to be appropriated9906€142k€117k▼
Profit (loss) brought forward from the previous period14P€53k€53k=
Transfer to equity691/2€89k€64k▼
To other reserves6921€89k€64k▼
The notes to these accounts (9 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
27-03
State Gazette act
Registered officeGeneral meeting · Registered-office move · Power of attorney3 facts ▸
State Gazette act
Registered office
General meeting · Registered-office move · Power of attorney3 facts ▸
- General meeting, 10/02/2026
- Registered-office move, Dublinstraat 37 Bus 116, 9000 Gent
- Power of attorney, BV Vincent Neslany Accountants
05-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Equity above €500kEq €532k ▲11.4%
7 profitable years in a row build equity to €532k.
2024
19-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
05-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 5 days late
2022
12-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
07-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 7 days late
2021
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
30-06
Financial
Highest result since 2019net €270k ▲9318%
Operating result €376k, net result €270k, both a record.
30-06
Financial
Equity above €200kEq €353k ▲324%
2 profitable years in a row build equity to €353k.
13-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
13-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 13 days late
2017
10-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 10 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 2006
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.
Dublinstraat 379000 GentGround area
4,513 m²
Building footprint
4,269 m²
Volume, LiDAR
47,939 m³
Parcel 44021A3417/00R002, Flanders · tallest building 15.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
BH CONSULTING
since 20062.153.309.037
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44021A3417/00R002 | Flanders | 4,513 m² | 1 · 4,269 m² | 15.7 m · 4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Structure & network
Connections & network
1 connected companyNetwork connections
Shared address
→
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 263 EUR awarded · 227 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 48 EUR | 48 EUR |
| 2023 | 1 | 81 EUR | 45 EUR |
| 2022 | 1 | 134 EUR | 134 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 853 companies in sector 66210 we hold annual accounts for 511. 356 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-05-2006
Fiscal year end30-06
Activities, NACEBEL
66210Risk and damage evaluation
67202
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.