CAIRN.CONSEIL
ActiveSummary
CAIRN.CONSEIL has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €487k and a net result of €71k. Equity is growing by ~33.6% per year across the filed fiscal years. Its solvency ranks better than 93% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-14
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 16.69 against 14.28 in 2024; short-term debt: 5.9% and cash: 2.1% of total assets), and 6% 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 →
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
94%
Return on assets
13.7%
Age of the figures
15 mo
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
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 31-01-2026, 0 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
on the day
2021
on the day
2020
2 d late
2019
23 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 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 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€487k▲ 17.0%
2024 · €416k
2019: €21k
2020: €88k
2021: €152k
2022: €229k
2023: €300k
2024: €416k
2019 → 2025
Total assets
€518k▲ 15.4%
2024 · €449k
2019: €39k
2020: €126k
2021: €236k
2022: €283k
2023: €316k
2024: €449k
2019 → 2025
Net result
€71k▼ 39.1%
2024 · €116k
2019: €15k
2020: €67k
2021: €65k
2022: €77k
2023: €71k
2024: €116k
2019 → 2025
Working capital
€483k▲ 17.4%
2024 · €411k
2019: €21k
2020: €87k
2021: €149k
2022: €216k
2023: €297k
2024: €411k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€152k-€229k▲ 50.5%€300k▲ 30.9%€416k▲ 38.7%€487k▲ 17.0%
Operating result€97k-€119k▲ 22.2%€111k▼ 6.5%€166k▲ 49.3%€102k▼ 38.6%
Net result€65k-€77k▲ 19.0%€71k▼ 7.9%€116k▲ 64.0%€71k▼ 39.1%
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 2025; 2025 is 39% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €518k
Fixed assets
€4k ▼ 36.7%
Current assets
€514k ▲ 16.1%
Equity and liabilities €518k
Equity
€487k ▲ 17.0%
Debt
€31k ▼ 5.3%
Debt's share of the balance-sheet total falls from 7.3% to 6.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€105k▼
2024 · €173k
Cash flow
€74k▼
2024 · €124k
Current ratio
16.69▲
2024 · 14.28
Debt to equity
0.06▼
2024 · 0.08
ROE
14.5%▼
2024 · 27.9%
ROA
13.7%▼
2024 · 25.9%
Interest coverage
25.22▼
2024 · 40.79
Debt ≤ 1 year
€31k▼
2024 · €31k
Income taxes
€37k▼
2024 · €55k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€449k€518k▲
Fixed assets21/28€7k€4k▼
Tangible fixed assets22/27€6k€4k▼
Furniture and vehicles24€6k€4k▼
Financial fixed assets28€206€206=
Current assets29/58€442k€514k▲
Amounts receivable after more than one year29€131k€131k=
Other amounts receivable291€131k€131k=
Amounts receivable within one year40/41€24k€61k▲
Trade receivables40€20k€18k▼
Other amounts receivable41€3k€43k▲
Current investments50/53€281k€307k▲
Cash at bank and in hand54/58€6k€11k▲
Deferred charges and accrued income490/1€719€4k▲
Equity and liabilities
Total equity and liabilities10/49€449k€518k▲
Equity10/15€416k€487k▲
Contributions10/11€6k€6k=
Reserves13€391k€461k▲
Non-distributable reserves130/1€389k€459k▲
Other1319€389k€459k▲
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€19k€20k▲
Amounts payable17/49€33k€31k▼
Amounts payable within one year42/48€31k€31k▼
Financial debts43€17k€17k▼
Credit institutions430/8€17k€17k▼
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€12k€9k▼
Taxes450/3€12k€9k▼
Other amounts payable47/48€103-
Accrued charges and deferred income492/3€2k€189▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€4k▼
Other operating charges640/8€384€387▲
Gross operating margin9900€174k€106k▼
Operating profit (loss)9901€166k€102k▼
Financial income75/76B€10k€10k▲
Recurring financial income75€10k€10k▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€171k€107k▼
Income taxes67/77€55k€37k▼
Profit (loss) for the period9904€116k€71k▼
Profit (loss) for the period to be appropriated9905€116k€71k▼
Appropriation of the result
Profit (loss) to be appropriated9906€129k€90k▼
Profit (loss) brought forward from the previous period14P€13k€19k▲
Transfer to equity691/2€110k€70k▼
To other reserves6921€110k€70k▼
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
31-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2019net €116k ▲64%
Operating result €166k, net result €116k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Liquidity times 5current ratio 25.63
Current ratio from 5.01 to 25.63; short-term debt falls from €54k to €12k.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Equity above €200kEq €229k ▲50.5%
4 profitable years in a row build equity to €229k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €150kEq €152k ▲73.7%
3 profitable years in a row build equity to €152k.
02-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
2020
08-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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 2018
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.
Stevinstraat 591000 BrusselGround area
999 m²
Building footprint
230 m²
Volume, LiDAR
3,474 m³
Parcel 21806F0128/00L005, Brussels · tallest building 18.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Stevinstraat 59, 1000 Brussel
since 20182.287.646.614
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21806F0128/00L005 | Brussels | 999 m² | 1 · 230 m² | 18.4 m · 5 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
FM CONSULTING
BE 0644.756.921
Schilde · Eq €486,918
HEYLEN BUSINESS SERVICES
BE 0895.551.411
Scherpenheuvel-Zichem · Eq €486,902
AB PHARMA
BE 0885.207.746
Oud-Turnhout · Eq €486,860
MITHOS
BE 0666.751.670
Hasselt · Eq €486,822
MERCOPATI
BE 0463.831.234
Gent · Eq €486,794
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 34,856 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
Founded01-02-2018
Fiscal year end30-06
Abbreviation FR
CAIRN
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.