BIOFINANCE CONSULTING
ActiveBIOFINANCE CONSULTING has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €489k and a net result of €74k. Equity is growing by ~26.5% per year across the filed fiscal years. Its solvency ranks better than 73% of 37971 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
100
/ 100
Excellent▲ +4 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability92▼-2
Solvency94▲+12
Growth75▼-3
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.74 against 1.17 in 2023), and 22.1% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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 2024Solvency, return and age of the figures
Solvency
77.9%
Return on assets
11.8%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
54 d late
2022
10 d late
2021
156 d late
2020
59 d late
2019
96 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€286k▲ 11.0%
2023 · €257k
2023: €257k
2023 → 2024
EBIT margin
38.2%▼ 3.8pp
2023 · 42.0%
2023: 42.0%
2023 → 2024
Net result
€74k▲ 8.0%
2023 · €69k
2018: €67k
2019: €56k
2020: €70k
2021: €124k
2022: €86k
2023: €69k
2018 → 2024
Working capital
€103k▲ 286%
2023 · €27k
2018: €57k
2019: €-41k
2020: €-34k
2021: €82k
2022: €-45k
2023: €27k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€257k€286k▲ 11.0%
Equity€147k-€270k▲ 84.4%€346k▲ 28.1%€415k▲ 19.8%€489k▲ 17.9%
Operating result€113k-€194k▲ 71.2%€146k▼ 24.5%€108k▼ 26.2%€109k▲ 0.9%
Net result€70k-€124k▲ 76.0%€86k▼ 30.5%€69k▼ 20.3%€74k▲ 8.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 1% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €628k
Fixed assets
€386k▼ 0.6%
Current assets
€242k▲ 30.7%
Equity and liabilities €628k
Equity
€489k▲ 17.9%
Debt
€139k▼ 12.4%
The debt ratio falls from 27.6% to 22.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€112k▼
2023 · €112k
Cash flow
€76k▲
2023 · €73k
Solvency
77.9%▲
2023 · 72.4%
Current ratio
1.74▲
2023 · 1.17
Quick ratio
1.74▲
2023 · 1.17
Debt / equity
0.28▼
2023 · 0.38
ROE
15.1%▼
2023 · 16.5%
ROA
11.8%▼
2023 · 12.0%
Interest coverage
39.57▲
2023 · 30.19
Debt
€139k▼
2023 · €158k
Debt ≤ 1 year
€139k▼
2023 · €158k
Income taxes
€39k▲
2023 · €39k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€573k€628k▲
Fixed assets21/28€388k€386k▼
Tangible fixed assets22/27€25k€23k▼
Furniture and vehicles24€16k€14k▼
Other tangible fixed assets26€9k€9k=
Financial fixed assets28€363k€363k=
Current assets29/58€185k€242k▲
Amounts receivable within one year40/41€154k€160k▲
Trade receivables40€43k€36k▼
Other amounts receivable41€111k€123k▲
Cash at bank and in hand54/58€31k€82k▲
Deferred charges and accrued income490/1€110€344▲
Equity and liabilities
Total equity and liabilities10/49€573k€628k▲
Equity10/15€415k€489k▲
Contributions10/11€19k€19k=
Reserves13€396k€470k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€0-
Distributable reserves133€396k€470k▲
Profit (loss) carried forward14-€45
Amounts payable17/49€158k€139k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€158k€139k▼
Current portion of amounts payable after more than one year42€0€15k▲
Financial debts43€18k€8k▼
Credit institutions430/8€18k€8k▼
Trade debts44€3k€6k▲
Suppliers440/4€3k€6k▲
Taxes, remuneration and social security45€97k€45k▼
Taxes450/3€95k€45k▼
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€40k€65k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Turnover70€257k€286k▲
Goods, raw materials, services and sundry goods60/61€157k€182k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€2k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€115k€114k▼
Operating profit (loss)9901€108k€109k▲
Financial income75/76B€3k€7k▲
Recurring financial income75€3k€7k▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€108k€113k▲
Income taxes67/77€39k€39k▲
Profit (loss) for the period9904€69k€74k▲
Profit (loss) for the period to be appropriated9905€69k€74k▲
Appropriation of the result
Profit (loss) to be appropriated9906€69k€74k▲
Transfer to equity691/2€69k€74k▲
To other reserves6921€69k€74k▲
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
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
23-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 54 days late
2023
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
03-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 156 days late
2021
31-12
Financial
Highest result since 2018net €124k ▲76%
Operating result €194k, net result €124k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.62
Current ratio from 0.64 to 1.62.
31-12
Financial
Equity above €200kEq €270k ▲84.4%
4 profitable years in a row build equity to €270k.
28-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 59 days late
2020
04-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 96 days late
2019
31-12
Financial
Weakest financial yearnet €56k ▼16.7%
Net result drops to €56k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €128k ▲77.6%
2 profitable years in a row build equity to €128k.
17-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 48 days late
01-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 213 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
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, Chaudfontaine · 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 des Fougères 94052 ChaudfontaineGround area
5,296 m²
Building footprint
394 m²
Volume, LiDAR
2,732 m³
2 parcels, Wallonia · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Biofinance Consulting
since 20132.223.019.571
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62012F0132/00A005 | Wallonia | 3,733 m² | 1 · 217 m² | 10.3 m · 2 fl. |
| 62030A0403/00G000 | Wallonia | 1,563 m² | 1 · 177 m² | 10.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 34,824 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-09-2013
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.