"CAP CONSULT"
Active"CAP CONSULT" has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €144k and a net result of €12k. Equity is growing by ~14.3% per year across the filed fiscal years. Its solvency ranks better than 76% of 9388 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-10
Solvency100▲+18
Growth52=
Track record94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 4.19 against 2.2 in 2024; short-term debt: 21.8% and cash: 40.8% of total assets), and 22% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 71
Relative position
BE, all sectors
reference
Sector 71
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
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
78%
Return on assets
6.6%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-07-2026, 14 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
14 d early
2024
19 d late
2023
21 d early
2022
42 d early
2021
26 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€144k=
2024 · €144k
2021: €53k
2022: €107k
2023: €186k
2024: €144k
2021 → 2025
Total assets
€185k▼ 26.7%
2024 · €252k
2021: €130k
2022: €166k
2023: €234k
2024: €252k
2021 → 2025
Net result
€12k▼ 67.1%
2024 · €37k
2021: €48k
2022: €54k
2023: €79k
2024: €37k
2021 → 2025
Working capital
€129k▲ 5.4%
2024 · €122k
2021: €43k
2022: €98k
2023: €172k
2024: €122k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€53k-€107k▲ 101%€186k▲ 73.6%€144k▼ 22.3%€144k=
Operating result€68k-€77k▲ 12.9%€102k▲ 33.0%€51k▼ 50.3%€17k▼ 67.4%
Net result€48k-€54k▲ 11.4%€79k▲ 46.5%€37k▼ 52.7%€12k▼ 67.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 67% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €185k
Fixed assets
€16k▼ 43.0%
Current assets
€169k▼ 24.6%
Equity and liabilities €185k
Equity
€144k=
Debt
€41k▼ 62.3%
The debt ratio falls from 42.8% to 22.0%. Debt is lower.
Key figures and ratios
EBITDA
€29k▼
2024 · €63k
Cash flow
€24k▼
2024 · €49k
Solvency
78.0%▲
2024 · 57.2%
Current ratio
4.19▲
2024 · 2.20
Quick ratio
4.19▲
2024 · 2.20
Debt / equity
0.28▼
2024 · 0.75
ROE
8.5%▼
2024 · 25.8%
ROA
6.6%▼
2024 · 14.8%
Interest coverage
48.82▼
2024 · 91.56
Debt
€41k▼
2024 · €108k
Debt ≤ 1 year
€40k▼
2024 · €102k
Debt > 1 year
€0▼
2024 · €5k
Income taxes
€7k▼
2024 · €17k
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€252k€185k▼
Fixed assets21/28€28k€16k▼
Tangible fixed assets22/27€28k€16k▼
Furniture and vehicles24€28k€16k▼
Financial fixed assets28€363€363=
Current assets29/58€224k€169k▼
Amounts receivable after more than one year29€0-
Other amounts receivable291€0-
Amounts receivable within one year40/41€46k€2k▼
Trade receivables40-€2k
Other amounts receivable41€46k€3▼
Current investments50/53€100k€90k▼
Cash at bank and in hand54/58€76k€75k▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€252k€185k▼
Equity10/15€144k€144k=
Contributions10/11€5k€5k=
Reserves13€139k€139k=
Distributable reserves133€139k€139k=
Profit (loss) carried forward14€18€18=
Amounts payable17/49€108k€41k▼
Amounts payable after more than one year17€5k€0▼
Financial debts170/4€5k€0▼
Amounts payable within one year42/48€102k€40k▼
Current portion of amounts payable after more than one year42€10k€5k▼
Trade debts44€11k€4k▼
Suppliers440/4€11k€4k▼
Taxes, remuneration and social security45€14k€17k▲
Taxes450/3€14k€17k▲
Other amounts payable47/48€67k€14k▼
Accrued charges and deferred income492/3€569€273▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€65k€30k▼
Operating profit (loss)9901€51k€17k▼
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€688€585▼
Recurring financial charges65€688€585▼
Profit (loss) for the period before taxes9903€55k€19k▼
Income taxes67/77€17k€7k▼
Profit (loss) for the period9904€37k€12k▼
Profit (loss) for the period to be appropriated9905€37k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€37k€12k▼
Profit (loss) brought forward from the previous period14P€18€18=
Transfer from equity791/2€79k€0▼
Transfer to equity691/2€37k€0▼
To other reserves6921€37k€0▼
Profit to be distributed694/7€79k€12k▼
Return on contributions (dividend)694€79k€12k▼
The notes to these accounts (12 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €12k ▼67.1%
Net result drops to €12k, the lowest in the series.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €79k ▲46.5%
Operating result €102k, net result €79k, both a record.
31-12
Financial
Equity above €150kEq €186k ▲73.6%
3 profitable years in a row build equity to €186k.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 5.34
Current ratio from 2.02 to 5.34; short-term debt falls from €42k to €23k.
31-12
Financial
Equity above €100kEq €107k ▲101%
2 profitable years in a row build equity to €107k.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
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, Mons · 1 establishment unit since 2021
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.
Digue de Cuesmes 37000 MonsGround area
268 m²
Building footprint
49 m²
Volume, LiDAR
467 m³
Parcel 53053D0219/00V012, Wallonia · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
"CAP CONSULT"
since 20212.313.508.297
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53053D0219/00V012 | Wallonia | 267 m² | 1 · 49 m² | 12.0 m · 3 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
AB-INFRA
BE 0873.543.396
Gent · Eq €144k
VITROPLENA
BE 0699.575.678
Ardooie · Eq €144k
FELLOUS CONSULTING
BE 0742.912.013
Waterloo · Eq €144k
MVDL Consulting
BE 0791.565.530
Oudergem · Eq €144k
TVPW
BE 0794.304.591
Pelt · Eq €144k
Of 11,553 companies in sector 71121 we hold annual accounts for 6,555. 5,230 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-02-2021
Fiscal year end31-12
Activities, NACEBEL
71121Engineering and related technical consultancy, excluding land surveyors
70200Business and other management consultancy
70220Business consulting
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.