BSI - CONSULT
ActiveBSI - CONSULT has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €36k and a net result of €-9k. Equity is shrinking by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 32% of 8657 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▼-8
Solvency57▼-7
Growth48▲+1
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 0.05 against 0.04 in 2024; short-term debt: 68.3% of total assets), and 68.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
31.7%
Return on assets
-8.2%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-9k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
14 d late
2023
19 d late
2022
16 d late
2021
19 d late
2020
30 d late
2019
46 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€18k▲ 4.6%
2024 · €17k
2018: €20k
2019: €27k
2020: €19k
2021: €19k
2022: €16k
2023: €17k
2024: €17k
2018 → 2025
EBIT margin
-50.9%▼ 10.2pp
2024 · -40.8%
2018: -52.5%
2019: -11.2%
2020: -19.8%
2021: -23.5%
2022: -36.5%
2023: -27.3%
2024: -40.8%
2018 → 2025
Net result
€-9k▼ 26.8%
2024 · €-7k
2018: €-11k
2019: €-3k
2020: €-4k
2021: €-5k
2022: €-7k
2023: €-5k
2024: €-7k
2018 → 2025
Working capital
€-74k▼ 6.4%
2024 · €-69k
2018: €-67k
2019: €-60k
2020: €-59k
2021: €-77k
2022: €-76k
2023: €-72k
2024: €-69k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€19k-€16k▼ 13.9%€17k▲ 5.5%€17k▼ 1.9%€18k▲ 4.6%
Equity€65k-€58k▼ 10.4%€53k▼ 9.2%€46k▼ 14.0%€36k▼ 20.6%
Operating result€-4k-€-6k▼ 33.9%€-5k▲ 21.3%€-7k▼ 46.7%€-9k▼ 30.6%
Net result€-5k-€-7k▼ 35.0%€-5k▲ 20.5%€-7k▼ 37.2%€-9k▼ 26.8%
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 stays negative: a loss of €9k in 2025 against €7k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €114k
Fixed assets
€110k▼ 4.3%
Current assets
€4k▲ 61.4%
Equity and liabilities €114k
Equity
€36k▼ 20.6%
Debt
€78k▲ 8.4%
The debt ratio rises from 61.2% to 68.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€3k▼
2024 · €5k
Cash flow
€2k▼
2024 · €4k
Solvency
31.7%▼
2024 · 38.8%
Current ratio
0.05▲
2024 · 0.04
Quick ratio
0.05▲
2024 · 0.04
Debt / equity
2.15▲
2024 · 1.58
ROE
-26.0%▼
2024 · -16.3%
ROA
-8.2%▼
2024 · -6.3%
Interest coverage
6.21▼
2024 · 9.17
Debt
€78k▲
2024 · €72k
Debt ≤ 1 year
€78k▲
2024 · €72k
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€117k€114k▼
Fixed assets21/28€115k€110k▼
Tangible fixed assets22/27€115k€110k▼
Land and buildings22€112k€107k▼
Plant, machinery and equipment23€2k€3k▲
Current assets29/58€3k€4k▲
Amounts receivable within one year40/41€3k€4k▲
Trade receivables40€3k€3k▲
Other amounts receivable41-€1k
Equity and liabilities
Total equity and liabilities10/49€117k€114k▼
Equity10/15€46k€36k▼
Contributions10/11€124k€124k=
Capital10€124k€124k=
Issued capital100€124k€124k=
Reserves13€311€311=
Non-distributable reserves130/1€311€311=
Legal reserve130€311€311=
Profit (loss) carried forward14€-79k€-88k▼
Amounts payable17/49€72k€78k▲
Amounts payable within one year42/48€72k€78k▲
Financial debts43€3k€756▼
Other loans439€3k€756▼
Trade debts44-€13
Suppliers440/4-€13
Taxes, remuneration and social security45€581-
Taxes450/3€581-
Other amounts payable47/48€68k€77k▲
Income statement
Code20242025
Turnover70€17k€18k▲
Goods, raw materials, services and sundry goods60/61€10k€13k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€7k€4k▼
Operating profit (loss)9901€-7k€-9k▼
Financial charges65/66B€550€436▼
Recurring financial charges65€550€436▼
Profit (loss) for the period before taxes9903€-7k€-9k▼
Profit (loss) for the period9904€-7k€-9k▼
Profit (loss) for the period to be appropriated9905€-7k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-79k€-88k▼
Profit (loss) brought forward from the previous period14P€-71k€-79k▼
The notes to these accounts (7 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
15-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 46 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
14-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 45 days late
NBB filing
Directors · office · real estate
Directors
5 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, Malmedy · 1 establishment unit since 1996
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 Wibald 14960 MalmedyGround area
1,329 m²
Building footprint
752 m²
Parcel 63049D0220/00V002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue Wibald 1, 4960 Malmedy
since 19962.079.551.029
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63049D0220/00V002 | Wallonia | 1,329 m² | 1 · 752 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 82,570 companies in sector 70200 we hold annual accounts for 52,574. 35,908 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-01-1996
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.