CESKO Consulting
ActiveCESKO Consulting has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €38k and a net result of €17k. Equity is growing by ~91.6% per year across the filed fiscal years. Its solvency ranks better than 31% of 3446 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
60
/ 100
Healthy▼ -16 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency50▲+21
Growth78=
Stability94
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.36 against 1.24 in 2024), and 73% 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
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 07-01-2026, 68 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 · 3 filingsDeviation from the deadline
2025
68 d late
2024
7 d early
2023
15 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close13-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€38k▲ 77.8%
2024 · €22k
2023: €-1k
2024: €22k
2023 → 2025
Total assets
€142k▲ 29.5%
2024 · €109k
2023: €3k
2024: €109k
2023 → 2025
Net result
€17k▼ 26.2%
2024 · €23k
2023: €-4k
2024: €23k
2023 → 2025
Working capital
€38k▲ 82.4%
2024 · €21k
2023: €-2k
2024: €21k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€-1k-€22k€38k▲ 77.8%
Operating result€-4k-€30k€21k▼ 28.9%
Net result€-4k-€23k€17k▼ 26.2%
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 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €142k
Fixed assets
€567▼ 33.4%
Current assets
€141k▲ 30.0%
Equity and liabilities €142k
Equity
€38k▲ 77.8%
Debt
€103k▲ 17.7%
The debt ratio falls from 80.3% to 73.0%: equity grows faster than debt.
Key figures and ratios
EBITDA
€21k▼
2024 · €30k
Cash flow
€17k▼
2024 · €23k
Solvency
27.0%▲
2024 · 19.7%
Current ratio
1.36▲
2024 · 1.24
Quick ratio
1.36▲
2024 · 1.24
Debt / equity
2.70▼
2024 · 4.09
ROE
43.8%▼
2024 · 105.5%
ROA
11.8%▼
2024 · 20.7%
Interest coverage
-854.00▼
2024 · 474.57
Debt
€103k▲
2024 · €88k
Debt ≤ 1 year
€103k▲
2024 · €88k
Income taxes
€5k▼
2024 · €7k
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€109k€142k▲
Fixed assets21/28€851€567▼
Tangible fixed assets22/27€851€567▼
Furniture and vehicles24€851€567▼
Current assets29/58€108k€141k▲
Amounts receivable within one year40/41€87k€122k▲
Trade receivables40€86k€102k▲
Other amounts receivable41€653€20k▲
Cash at bank and in hand54/58€20k€3k▼
Deferred charges and accrued income490/1€1k€16k▲
Equity and liabilities
Total equity and liabilities10/49€109k€142k▲
Equity10/15€22k€38k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€19k€36k▲
Amounts payable17/49€88k€103k▲
Amounts payable within one year42/48€88k€103k▲
Trade debts44€65k€68k▲
Suppliers440/4€65k€68k▲
Taxes, remuneration and social security45€19k€31k▲
Taxes450/3€18k€25k▲
Remuneration and social security454/9€731€6k▲
Other amounts payable47/48€4k€5k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€284€284=
Other operating charges640/8-€891
Gross operating margin9900€30k€22k▼
Operating profit (loss)9901€30k€21k▼
Financial income75/76B€50€306▲
Recurring financial income75€50€306▲
Financial charges65/66B€63€-25▼
Recurring financial charges65€63€-25▼
Profit (loss) for the period before taxes9903€30k€21k▼
Income taxes67/77€7k€5k▼
Profit (loss) for the period9904€23k€17k▼
Profit (loss) for the period to be appropriated9905€23k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€36k▲
Profit (loss) brought forward from the previous period14P€-4k€19k▲
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
07-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 68 days late
2024
24-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
31-03
Financial
Liquidity triplescurrent ratio 1.24
Current ratio from 0.47 to 1.24.
2023
15-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 15 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 directors, no change since 2025
Bérengère Timmerman
CurrentDirector · since 01-05-2025
PETERSBOURG Pétronie
CurrentDirector · since 31-03-2024
01-05-2025
Bérengère Timmerman: Appointed as Director
01-05-2025
Bérengère Timmerman: Appointed as Daily management
31-03-2024
PETERSBOURG Pétronie: Appointed as Director
31-03-2024
Christophe Bernard: Resigned as Director
20-11-2022
Christophe Bernard: Appointed as Director
20-11-2022
Christophe Bernard: Appointed as Daily management
20-11-2022
Minutolo Francesco: Resigned as Director
Location & real-estate footprint
Registered office, Overijse · 2 establishment units since 2022
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.
Brusselsesteenweg 2923090 OverijseGround area
2,227 m²
Building footprint
456 m²
Volume, LiDAR
7,033 m³
3 parcels, Brussels, Flanders, Wallonia · tallest building 30.8 m, ±10 floors. Linked by address, not a title deed.
2 establishment units
Aarlenstraat 51, 1040 Brussel
since 20222.327.541.229
Avenue Marius Meurée 110, 6001 Charleroi
since 20242.363.027.490
3 parcels
Flanders
1
(33.3%)
Wallonia
1
(33.3%)
Brussels
1
(33.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23062B0376/02D005 | Flanders | 1,934 m² | 1 · 198 m² | 6.6 m · 1 fl. |
| 21805E0260/00S000 | Brussels | 203 m² | 1 · 181 m² | 30.8 m · 10 fl. |
| 52045A0280/00Y014 | Wallonia | 90 m² | 1 · 77 m² | 18.3 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 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
FULMEN AUREUM
BE 0802.990.051
Knokke-Heist · Eq €38k
SYMBIOTHIC
BE 0524.850.766
Destelbergen · Eq €38k
TL a Consult
BE 0798.152.721
Roeselare · Eq €38k
Studiebureau 3DLogic
BE 0695.502.668
Kortenaken · Eq €38k
OPTIBIM
BE 0726.701.531
Gembloux · Eq €38k
Of 4,548 companies in sector 74999 we hold annual accounts for 1,934. 1,473 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-01-2022
Fiscal year end31-03
Activities, NACEBEL
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.