Losses
-€30,699 in three years
Every financial year from 2023 to 2025 closed with a loss. 2024 was the heaviest.
CHESCONSULT
Lifetime
11 annual accounts with figures on one time axispeak €68,756 (2022)
€44,949▼ 14.7%
lowest -€16,621 (2024)
-€10,694▲ €5,927
peak €91,056 (2022)
€60,357▼ 15.1%
€12,168▲ 18.6%
Board2 names since 2021
-
Documentsfilings and deeds
26-06-202635 days before the deadline
2025micro format
Gross margin from €52,690 to €44,949Loss of €10,694Equity from €71,051 to €60,357Debts from €10,259 to €12,168
Key points
from the 2025 annual accountsFilings
11 annual accounts since 2015
Six of the last ten came late. The 2019 accounts came latest: 34 days after the end of the period.
Position in the sector
-€10,694
Lower net result than 86% of companies in advertising and market research. Sector median €14,755 · 8,616 companies.
Checked score
89
Excellent
Financially stronger than 49% of micro companies in advertising and market research (NACE 73)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 11,230 companies (NACE 73, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025lowest value
03-2025: 0.1%● unchanged vs 02-2025lowest value
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.2%▲ +0.1 percentage points vs 07-2025
09-2025: 0.3%▲ +0.1 percentage points vs 08-2025
10-2025: 0.3%● unchanged vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.3%● unchanged vs 07-2026
09-2026: 0.4%▲ +0.1 percentage points vs 08-2026highest value
10-2026: 0.2%▼ -0.2 percentage points vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Loss of €10,694, the second in a row (financial year 2025)
lowers risk
Liquidity: current ratio 4.31, cash €17,896
Equity €60,357 (83.2% of total assets)
Sector: Advertising, market research and public relations activities (NACE 73)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 73, micro). It does better than 87% of them on solvency, 68% on liquidity, 15% on profitability and 27% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 4,805 companies had the same profile as CHESCONSULT has now. Each dot stands for 13 companies, two years later.
88.1%
were still trading
9.8%
stopped another way
2.0%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of CHESCONSULT itself is lower: 0.2% within 12 months. It rests on far more data about CHESCONSULT than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 4,805 companies, not a prediction for CHESCONSULT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €5,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.31 (5.3 in 2024), above the usual 1.5. Short-term debt is 16.8% and cash 24.7% of total assets. 16.8% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€10,694
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 26-06-2026, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
35 days early
2024
26 days late
2023
27 days late
2022
8 days late
2021
25 days late
2020
23 days early
2019
34 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 9 days after the deadline. In the sector (NACE 73), the median for financial year 2024 was 6 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 25 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0597905129
Resignation: Estivant Charles Nestor (director)
Appointment: Bruyneel Anne Sophie (director) · Director discharge: Estivant Charles Nestor · General meeting of 22-12-2022 · Gazette deed
Appointment: BRUYNEEL Anne-Sophie (director)
Legal-form conversion: from private limited company (pre-2019) to private limited company · Gazette deed
First establishment
Avenue Belle Vue 62, La Hulpe
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CHESCONSULT La Hulpe | €72,525 | €44,949 | 83.2% | - |
| ALLAF Wetteren | €70,042 | €53,787 | 73.5% | - |
| OPTIONS 39 Grimbergen | €76,576 | €36,327 | 51.9% | - |
| 2M CONSULTING Binche | €62,597 | €45,870 | 62.3% | - |
| Artistic Studio Charleroi | €84,627 | €47,990 | -30.3% | - |
| JULART Herentals | €91,260 | €48,751 | 52.4% | 0 |
| Organize’IT Lasne | €110,880 | €52,013 | 39.4% | - |
These companies have the same main activity as CHESCONSULT: advertising agencies (NACE 73110). They are comparable in size and age: total assets between €62,600 and €111,000, founded between 2014 and 2016.
Official details
Source: KBO- Status
- Active since 30-01-2015Normal situation
- Activity
- Advertising agenciesNACE 73110and 5 others
- Establishment unit
- 2.240.337.1401310 La Hulpe, since 12-02-2015
- Financial year end
- 31 December
- Peppol
- Reachable since 17-04-2025
Annual accounts 2025
- ≈ €120,000estimated
- €72,525▼ 10.8%
- Filing
- Filed on 26-06-2026, 35 days before the end of the filing period
Insights on CHESCONSULT
CHESCONSULT files the micro format. That format states no turnover. The gross margin rose from €2,764 in 2015 to €44,949 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CHESCONSULT
- What is the company number of CHESCONSULT?
- The company number of CHESCONSULT is 0597.905.129. The VAT number is the same number with BE in front: BE 0597.905.129.
- Where is CHESCONSULT based?
- The registered office is at Avenue Belle Vue 62, 1310 La Hulpe.Company details
- What does CHESCONSULT do?
- According to the KBO register, the main activity is advertising agencies (NACE 73110).
- What is the legal form of CHESCONSULT?
- CHESCONSULT is a private limited company (BV).
- When was CHESCONSULT founded?
- CHESCONSULT was founded on 30-01-2015.
- Is CHESCONSULT still active?
- Yes, CHESCONSULT is an active enterprise in the KBO register.
- What is the turnover of CHESCONSULT?
- The turnover in financial year 2025 is ≈ €120,000. This figure is estimated from the gross margin of €44,949 and 45 comparable companies (NACE 73). It probably lies between €83,000 and €160,000.Financials
- Is CHESCONSULT profitable?
- In financial year 2025, CHESCONSULT made a loss of €10,694.
- Where can I find the annual accounts of CHESCONSULT?
- CHESCONSULT filed 11 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CHESCONSULT due?
- CHESCONSULT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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