Cabinet Différentiel
ActiveCabinet Différentiel has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €131k and a net result of €20k. Equity is growing by ~45.2% per year across the filed fiscal years. Its solvency ranks better than 53% of 37971 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
93
/ 100
Excellent▼ -7 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability78▼-22
Solvency99=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 2.6 against 2.57 in 2023), and 38.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-10-2025, 92 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
92 d late
2023
61 d late
2022
70 d late
2021
31 d late
2020
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€131k▲ 18.4%
2023 · €111k
2020: €20k
2021: €54k
2022: €79k
2023: €111k
2020 → 2024
Total assets
€213k▲ 17.6%
2023 · €181k
2020: €58k
2021: €90k
2022: €135k
2023: €181k
2020 → 2024
Net result
€20k▼ 36.3%
2023 · €32k
2020: €19k
2021: €34k
2022: €25k
2023: €32k
2020 → 2024
Working capital
€131k▲ 18.7%
2023 · €111k
2020: €20k
2021: €53k
2022: €78k
2023: €111k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€20k-€54k▲ 172%€79k▲ 46.8%€111k▲ 40.6%€131k▲ 18.4%
Operating result€30k-€48k▲ 59.2%€33k▼ 32.3%€40k▲ 22.5%€22k▼ 43.8%
Net result€19k-€34k▲ 81.1%€25k▼ 26.0%€32k▲ 27.5%€20k▼ 36.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 44% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €213k
Equity
€131k▲ 18.4%
Debt
€82k▲ 16.3%
The debt ratio falls from 38.9% to 38.4%: equity grows faster than debt.
Key figures and ratios
EBITDA
€23k▼
2023 · €40k
Cash flow
€21k▼
2023 · €32k
Solvency
61.6%▲
2023 · 61.1%
Current ratio
2.60▲
2023 · 2.57
Quick ratio
2.60▲
2023 · 2.57
Debt / equity
0.62▼
2023 · 0.64
ROE
15.5%▼
2023 · 28.9%
ROA
9.6%▼
2023 · 17.7%
Interest coverage
10.75▲
2023 · 10.12
Debt
€82k▲
2023 · €71k
Debt ≤ 1 year
€82k▲
2023 · €71k
Income taxes
€9k▼
2023 · €9k
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€181k€213k▲
Fixed assets21/28€307-
Tangible fixed assets22/27€307-
Furniture and vehicles24€307-
Current assets29/58€181k€213k▲
Amounts receivable after more than one year29€34k€34k=
Other amounts receivable291€34k€34k=
Amounts receivable within one year40/41€144k€173k▲
Trade receivables40€33k€22k▼
Other amounts receivable41€111k€150k▲
Cash at bank and in hand54/58-€3k
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€181k€213k▲
Equity10/15€111k€131k▲
Contributions10/11€1k€1k=
Reserves13€42k€52k▲
Distributable reserves133€42k€52k▲
Profit (loss) carried forward14€68k€79k▲
Amounts payable17/49€71k€82k▲
Amounts payable within one year42/48€71k€82k▲
Trade debts44€48k€62k▲
Suppliers440/4€48k€62k▲
Taxes, remuneration and social security45€22k€20k▼
Taxes450/3€22k€20k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€353€307▼
Other operating charges640/8€1k€3k▲
Non-recurring operating charges66A€336-
Gross operating margin9900€42k€25k▼
Operating profit (loss)9901€40k€22k▼
Financial income75/76B€5k€9k▲
Recurring financial income75€5k€9k▲
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€41k€29k▼
Income taxes67/77€9k€9k▼
Profit (loss) for the period9904€32k€20k▼
Profit (loss) for the period to be appropriated9905€32k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€68k€89k▲
Profit (loss) brought forward from the previous period14P€36k€68k▲
Transfer to equity691/2-€10k
To other reserves6921-€10k
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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 92 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Equity above €100kEq €111k ▲40.6%
4 profitable years in a row build equity to €111k.
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2020net €34k ▲81.1%
Operating result €48k, net result €34k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro 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, Brussel · 1 establishment unit since 2019
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.
Picardstraat 71000 BrusselGround area
4.4 ha
Building footprint
3.9 ha
Volume, LiDAR
615,702 m³
Parcel 21814P0441/00B000, Brussels · tallest building 34.0 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Cabinet Différentiel
since 20192.294.514.412
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21814P0441/00B000 | Brussels | 4.4 ha | 1 · 3.9 ha | 34.0 m · 6 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.
Similar companies · same sector, comparable size
KE-JO Invest
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TACTIM
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Medaer Véronique
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FIRME KUMPEN
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Garage Slembrouck
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Comines-Warneton · Eq €131k
Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 40,720 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-08-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.