CHESCONSULT
ActiveSummary
CHESCONSULT has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €71k and a net result of €-17k. Equity is growing by ~70.2% per year across the filed fiscal years. Its solvency ranks better than 86% of 8966 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
64
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability7▼-58
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 5.3 against 5.95 in 2023; short-term debt: 12.6% and cash: 28.6% of total assets), and 12.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
87.4%
Return on assets
-20.4%
Age of the figures
21 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-17k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-08-2025, 26 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
26 d late
2023
27 d late
2022
8 d late
2021
25 d late
2020
23 d early
2019
34 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-17k▼ 391%
2023 · €-3k
2018: €9k
2019: €17k
2020: €-1k
2021: €54k
2022: €27k
2023: €-3k
2018 → 2024
Working capital
€44k▼ 36.8%
2023 · €70k
2018: €-13k
2019: €-2k
2020: €3k
2021: €39k
2022: €70k
2023: €70k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€11k-€64k▲ 503%€91k▲ 41.7%€88k▼ 3.7%€71k▼ 19.0%
Operating result€3k-€49k▲ 1,317%€41k▼ 16.4%€13k▼ 69.1%€46k▲ 266%
Net result€-1k-€54k€27k▼ 50.0%€-3k€-17k▼ 391%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 266% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €81k
Fixed assets
€27k ▲ 50.8%
Current assets
€54k ▼ 35.2%
Equity and liabilities €81k
Equity
€71k ▼ 19.0%
Debt
€10k ▼ 27.2%
Debt's share of the balance-sheet total falls from 13.8% to 12.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€52k▲
2023 · €18k
Cash flow
€-11k▼
2023 · €2k
Current ratio
5.30▼
2023 · 5.95
Debt to equity
0.14▼
2023 · 0.16
ROE
-23.4%▼
2023 · -3.9%
ROA
-20.4%▼
2023 · -3.3%
Interest coverage
0.83▼
2023 · 113.64
Debt ≤ 1 year
€10k▼
2023 · €14k
Income taxes
€236▼
2023 · €16k
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 · 2024 against 2023 · 40 lines
Balance sheet
Code20232024
Assets
Total assets20/58€102k€81k▼
Fixed assets21/28€18k€27k▲
Tangible fixed assets22/27€17k€26k▲
Plant, machinery and equipment23€903€153▼
Furniture and vehicles24€14k€11k▼
Other tangible fixed assets26€3k€15k▲
Financial fixed assets28€650€650=
Current assets29/58€84k€54k▼
Stocks and contracts in progress3€894-
Stocks30/36€894-
Amounts receivable within one year40/41€36k€30k▼
Trade receivables40€32k€30k▼
Other amounts receivable41€4k-
Cash at bank and in hand54/58€45k€23k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€102k€81k▼
Equity10/15€88k€71k▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€81k€65k▼
Amounts payable17/49€14k€10k▼
Amounts payable within one year42/48€14k€10k▼
Trade debts44€543€42▼
Suppliers440/4€543€42▼
Taxes, remuneration and social security45€14k€10k▼
Taxes450/3€14k€10k▼
Other amounts payable47/48-€202
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲
Other operating charges640/8€22k€647▼
Gross operating margin9900€41k€53k▲
Operating profit (loss)9901€13k€46k▲
Financial income75/76B€6-
Recurring financial income75€6-
Financial charges65/66B€161€62k▲
Recurring financial charges65€161€62k▲
Profit (loss) for the period before taxes9903€12k€-16k▼
Income taxes67/77€16k€236▼
Profit (loss) for the period9904€-3k€-17k▼
Profit (loss) for the period to be appropriated9905€-3k€-17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€81k€65k▼
Profit (loss) brought forward from the previous period14P€85k€81k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Back to profitnet €54k
Net result €54k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 3.22
Current ratio from 1.45 to 3.22.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 34 days late
2019
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 7 days late
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
27-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, La Hulpe · 1 establishment unit since 2015
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.
Avenue Belle Vue 621310 La HulpeGround area
957 m²
Building footprint
142 m²
Volume, LiDAR
997 m³
Parcel 25050B0494/00V002, Wallonia · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CHESCONSULT
since 20152.240.337.140
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25050B0494/00V002 | Wallonia | 957 m² | 1 · 142 m² | 9.5 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900PBSFY2PWUYWX29
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Of 9,860 companies in sector 73110 we hold annual accounts for 3,753. 3,039 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
Founded30-01-2015
Fiscal year end31-12
Activities, NACEBEL 2025
73110Advertising agencies
46170Agents in the wholesale of food, beverages and tobacco
70200Business and other management consultancy
73120Media representation
73300Public relations and communication consultancy
95314Bodywork repair (including spraying and painting)
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.