CARA-CONSULT
ActiveCARA-CONSULT has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €155k and a net result of €-10k. Equity is growing by ~28.2% per year across the filed fiscal years. Its solvency ranks better than 92% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▼-39
Solvency100▲+21
Growth52▼-26
Track record100
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 5.5 against 1.29 in 2024; short-term debt: 6.1% and cash: 32.1% of total assets), and 6.1% 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 →
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 31-12-2025 was due by 31-07-2026 and was filed on 10-06-2026, 51 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
51 d early
2024
45 d early
2023
35 d early
2022
32 d early
2021
48 d early
2020
33 d early
2019
21 d early
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€155k▼ 13.8%
2024 · €180k
2019: €35k
2020: €35k
2021: €138k
2022: €284k
2023: €169k
2024: €180k
2019 → 2025
Total assets
€165k▼ 50.4%
2024 · €333k
2019: €63k
2020: €50k
2021: €186k
2022: €336k
2023: €480k
2024: €333k
2019 → 2025
Net result
€-10k
2024 · €111k
2019: €29k
2020: €40
2021: €90k
2022: €146k
2023: €136k
2024: €111k
2019 → 2025
Working capital
€46k▲ 3.0%
2024 · €44k
2019: €18k
2020: €-407
2021: €59k
2022: €184k
2023: €39k
2024: €44k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€138k-€284k▲ 106%€169k▼ 40.4%€180k▲ 6.4%€155k▼ 13.8%
Operating result€125k-€183k▲ 46.3%€179k▼ 2.1%€151k▼ 16.1%€-3k
Net result€90k-€146k▲ 61.6%€136k▼ 7.1%€111k▼ 18.3%€-10k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €151k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €165k
Fixed assets
€109k▼ 19.3%
Current assets
€56k▼ 71.8%
Equity and liabilities €165k
Equity
€155k▼ 13.8%
Debt
€10k▼ 93.4%
The debt ratio falls from 46.0% to 6.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€33k▼
2024 · €180k
Cash flow
€26k▼
2024 · €140k
Solvency
93.9%▲
2024 · 54.0%
Current ratio
5.50▲
2024 · 1.29
Quick ratio
5.50▲
2024 · 1.29
Debt / equity
0.07▼
2024 · 0.85
ROE
-6.3%▼
2024 · 61.6%
ROA
-5.9%▼
2024 · 33.3%
Interest coverage
219.53▼
2024 · 1334.56
Debt
€10k▼
2024 · €153k
Debt ≤ 1 year
€10k▼
2024 · €153k
Income taxes
€7k▼
2024 · €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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€333k€165k▼
Fixed assets21/28€136k€109k▼
Tangible fixed assets22/27€136k€109k▼
Plant, machinery and equipment23€73k€63k▼
Furniture and vehicles24€63k€46k▼
Current assets29/58€197k€56k▼
Amounts receivable within one year40/41€19k€3k▼
Trade receivables40€19k-
Other amounts receivable41-€3k
Cash at bank and in hand54/58€179k€53k▼
Equity and liabilities
Total equity and liabilities10/49€333k€165k▼
Equity10/15€180k€155k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€159k€135k▼
Amounts payable17/49€153k€10k▼
Amounts payable within one year42/48€153k€10k▼
Financial debts43€1k-
Credit institutions430/8€1k-
Trade debts44€609-
Suppliers440/4€609-
Taxes, remuneration and social security45€51k€7k▼
Taxes450/3€51k€7k▼
Other amounts payable47/48€100k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€36k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€182k€35k▼
Operating profit (loss)9901€151k€-3k▼
Financial income75/76B€1€2▲
Recurring financial income75€1€2▲
Financial charges65/66B€423€403▼
Recurring financial charges65€135€150▲
Non-recurring financial charges66B€288€253▼
Profit (loss) for the period before taxes9903€150k€-3k▼
Income taxes67/77€39k€7k▼
Profit (loss) for the period9904€111k€-10k▼
Profit (loss) for the period to be appropriated9905€111k€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€259k€150k▼
Profit (loss) brought forward from the previous period14P€149k€159k▲
Profit to be distributed694/7€100k€15k▼
Return on contributions (dividend)694€100k€15k▼
The notes to these accounts (4 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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-10k ▼109%
Net result drops to €-10k, the lowest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 5.50
Current ratio from 1.29 to 5.50; short-term debt falls from €153k to €10k.
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2019net €146k ▲61.6%
Operating result €183k, net result €146k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 4.50
Current ratio from 2.21 to 4.50.
31-12
Financial
Equity above €200kEq €284k ▲106%
4 profitable years in a row build equity to €284k.
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 2.21
Current ratio from 0.97 to 2.21.
31-12
Financial
Equity above €100kEq €138k ▲293%
3 profitable years in a row build equity to €138k.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-07
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
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
14-03-2023
Resigned as Manager
Location & real-estate footprint
Registered office, Oudergem · 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.
Woudmeesterlaan 25a1160 OudergemGround area
328 m²
Building footprint
114 m²
Volume, LiDAR
888 m³
2 parcels, Brussels · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CARA-CONSULT
since 20192.285.699.387
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21332E0030/00S002 | Brussels | 206 m² | 1 · 60 m² | 10.2 m · 3 fl. |
| 21332E0030/00H002 | Brussels | 121 m² | 1 · 53 m² | 10.5 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.
Similar companies · same sector, comparable size
A.M.M.D.
BE 1008.950.646
Aalter · Eq €155k
GG Finance
BE 0762.495.620
Zwevegem · Eq €155k
Consecutio
BE 1000.033.673
Lokeren · Eq €155k
Colinco
BE 0797.420.073
Gent · Eq €155k
Levior Consulting
BE 0663.753.578
Lommel · Eq €155k
Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 40,761 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-02-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.