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CHESCONSULT

Active Private limited companyfounded 2015active for 11 yearsAvenue Belle Vue 62, 1310 La HulpeKBO/BCE: BE 0597.905.129

Overview

Lifetime

11 annual accounts with figures on one time axis
peak €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 accounts

Losses

-€30,699 in three years
-3,3842023-16,6212024-10,6942025

Every financial year from 2023 to 2025 closed with a loss. 2024 was the heaviest.

Filings

11 annual accounts since 2015
AprilJune31 JulyOctober201520202025

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 strength
Average

100=equity 83.2% of total assets
77-7short-term debt 16.8% · cash 24.7%
8+1return on assets -14.7%

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
  • Micro
  • 10 to 20 years old
  • solvency 30% or more
  • a loss of 10% of the balance sheet or more

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.

The companies in ten equal groups, from the lowest to the highest expected share
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 · Loss of €10,694, the second in a row (financial year 2025)
NBB · annual accounts
lowers risk · Liquidity: current ratio 4.31, cash €17,896
NBB · annual accounts
lowers risk · Equity €60,357 (83.2% of total assets)
NBB · annual accounts
lowers risk · Sector: Advertising, market research and public relations activities (NACE 73)
KBO
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 2025
Net 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 filings
Deviation 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 months
Where today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

last known board
BA
Director, last mentioned in 2024
Board & ownership

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
All 21 events

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
Company details

Annual accounts 2025

€44,949▼ 14.7%
≈ €120,000estimated
€10,694▼ 35.7%
€60,357▼ 15.1%
€72,525▼ 10.8%
Filing
Filed on 26-06-2026, 35 days before the end of the filing period
Financials

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.

Financials

Annual accounts 2025

micro format, filed on 26-06-2026, 35 days before the deadline
€44,949
▼ 14.7%
€37,121
▼ 19.2%
-€10,694
▲ €5,927
€40,334
▼ 8.6%
83.2%
▼ 4.2 percentage points
4.31
▼ 0.99

The turnover shown is an estimate from the gross margin.

Turnover ≈ €120,000. Estimated: probably between €83,000 and €160,000.

Balance sheet

balance sheet total €72,525 on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

83.2%

Higher than 81% of 8,615 companies in 2025.

4.31

Higher than 75% of 8,291 companies in 2025.

-14.7%

Higher than 12% of 8,400 companies in 2025.

CHESCONSULT Middle half of the sector 80% of the sector Micro accounts in advertising and market research (NACE 73)

Net result: bottom quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend20252024202320222021202020192018201720162015
Balance sheet: assets
20/58 72,52581,310101,767122,49482,00917,18129,91028,60743,23238,34040,779
21/28 20,02326,91517,84421,17324,8597,71714,17919,39923,65519,79122,046
22/27 19,37326,26517,19420,52324,4097,31713,77919,39923,65519,79122,046
23 451539031,7192,535-230562206674-
24 5,92210,71313,65518,35521,2756,56812,65117,78922,25117,76922,046
26 13,40715,3992,6364495997498991,0481,1981,348-
28 650650650650450400400----
29/58 52,50254,39583,923101,32157,1519,46415,7319,20819,57818,54918,733
3 3,109-8942,0711,2021,9522,8301,3571,2232,8202,492
30/36 3,109-8942,0711,2021,9522,8301,3571,2232,8202,492
40/41 29,07429,59636,25528,28214,3532503,8033,2324,6251,3522,159
40 28,85929,59632,03627,81414,3532502,3153,2324,6251,3522,159
41 216-4,220468--1,488----
54/58 17,89623,29145,36170,96841,5966,6768,5573,76012,83114,37712,864
490/1 2,4231,5081,412--586541860899-1,218
Balance sheet: equity and liabilities
10/49 72,52581,310101,767122,49482,00917,18129,91028,60743,23238,34040,779
10/15 60,35771,05187,67391,05664,26010,65011,8062,9222,0413,6941,374
10/11 6,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,200
100 ------18,60018,60018,60018,60018,600
101 ------12,40012,40012,40012,40012,400
11 ---6,2006,2006,200-----
1100/10 ---6,2006,2006,200-----
14 54,15764,85181,47384,85658,0604,4505,606-3,278-4,159-2,506-4,826
17/49 12,16810,25914,09431,43717,7496,53118,10425,68541,19234,64639,405
17 -------2,9897,364--
170/4 -------2,9897,364--
42/48 12,16810,25914,09431,43717,7496,53118,10422,69633,82834,64639,405
42 ------2,9894,3754,248--
44 1,474425436,7242,6254,9357,0363,8278,057908516
440/4 1,474425436,7242,6254,9357,0363,8278,057908516
45 10,49110,01413,5519,9289,2041,596-3,3233913,686554
450/3 7,49110,01413,5519,9289,2041,59601,3233913,686554
454/9 3,000-----02,000---
47/48 202202-14,7865,920-8,08011,17021,13230,05238,335
Income statement
9900 44,94952,69040,70368,75660,61110,69926,32416,9822,5768,5972,764
630 6,8926,0755,7765,7221,4736,4616,7836,55111,6696,4416,663
640/8 93764722,36122,39010,5048051,0838241,638584748
9901 37,12145,96712,56540,64448,6333,43318,4589,608-10,7311,572-4,647
75/76B 0-615,235-2010,39601
75 0-615,235-2010,39601
65/66B 47,57262,352161270115932003233382720
65 47,57262,352161270115932003233382720
9903 -10,451-16,38512,41040,37553,7543,34018,2599,285-6721,545-4,665
67/77 24323615,79413,5791434,4961,375403981160161
9904 -10,694-16,621-3,38426,79653,610-1,15616,8838,882-1,6531,385-4,826
9905 -10,694-16,621-3,38426,79653,610-1,15616,8838,882-1,6531,385-4,826
Appropriation of the result
9906 54,15764,85181,47384,85658,0604,45013,6064,722-4,159-2,506-4,826
14P 64,85181,47384,85658,0604,450------
694/7 ------8,0008,000---
695 ------8,0008,000---
Document PDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDF

The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 26-06-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
31-12-2025 micro format 26-06-2026 2026-00207113 PDF
31-12-2024 micro format 26-08-2025 2025-00403123 PDF
31-12-2023 micro format 27-08-2024 2024-00374547 PDF
31-12-2022 micro format 08-08-2023 2023-00328344 PDF
31-12-2021 micro format 25-08-2022 2022-20346753 PDF
31-12-2020 micro format 08-07-2021 2021-33200021 PDF
31-12-2019 micro format 03-09-2020 2020-50900265 PDF
31-12-2018 full format 07-08-2019 2019-44300593 PDF
31-12-2017 full format 15-06-2018 2018-19200132 PDF
31-12-2016 full format 29-06-2017 2017-23500550 PDF
31-12-2015 full format 27-07-2016 2016-36400593 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend20252024202320222021202020192018201720162015
44,01352,04218,34246,36650,1069,89525,24116,1589388,0132,016
-3,802-10,5462,39332,51855,0835,30523,66715,43210,0167,8261,837
015,1462,4482,03618,61401,5632,29515,5333,41128,709
-5,395-22,071-25,60729,37234,920-1,8814,797-9,071-1,5461,513-
40,33444,13669,82869,88439,4022,933-2,373-13,487-14,250-16,097-20,672
83.2%87.4%86.2%74.3%78.4%62.0%39.5%10.2%4.7%9.6%3.4%
4.315.305.953.223.221.450.870.410.580.540.48
4.065.305.893.163.151.150.710.350.540.450.41
0.200.140.160.350.280.611.538.7920.189.3828.68
-17.7%-23.4%-3.9%29.4%83.4%-10.9%143.0%303.9%-81.0%37.5%-351.3%
-14.7%-20.4%-3.3%21.9%65.4%-6.7%56.4%31.0%-3.8%3.6%-11.8%
0.930.83over 100over 100over 100------

EBIT margin: not included in this filing.

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired
Item20252024202320222021
Tangible fixed assets-€15,146€2,448€1,836€18,564
Financial fixed assets---€200€50
€6,892€6,075€5,776€5,722€1,473

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on CHESCONSULT

The operating result for 2025 is 19% lower than in 2024.

Debt's share of the balance-sheet total rises from 12.6% to 16.8%. Equity is lower and debt is higher.

Board & ownership

Board

Last change in 2022
Signing authorityThe articles say who may bind the company, for example by signing a contract.
“représentant permanent sont soumises aux mêmes règles de publicité que s'il exerçait cette mission en nom et pour compte propre. ARTICLE…”
deed of 04-08-2021

Office holders in the KBO →

Mandates through the years

2 names, the dashed line is today
Earliermandate already running before its first mentionend not dated
Mandates as a list
  • Bruyneel Anne Sophie
    • Director, appointed by deed of 04-08-2021, no longer listed in the 2025 annual accounts
  • Estivant Charles Nestor
    • Director, from before 31-12-2021 to 31-12-2022

See the board, name and registered office on a given date →

Control

Capital

Contribution
€6,200
Shares
100
Contribution per share
€62
Equity per share
€604 in 2025
Source
2025 annual accounts

Articles of association

deed of 04-08-2021 (in French)
Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
“Cédées entre vifs ou transmises à cause de mort, unanime des actionnaires”
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Fourth Monday of May at 18:00

Network & group

No group

CHESCONSULT has no parent and no holdings in its annual accounts.

The LEI register names no parent.

Connections & network

Timeline

Timeline

21 events since 2015

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed NBBmicro format · 35 days before the deadline
2025
Annual accounts 2024 filed PDFmicro format · 26 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:0597905129
2024
Weakest financial year net -€16,621 The net result drops to -€16,621, the lowest from 2015 to 2025. It recovers the following year.
Annual accounts 2023 filed PDFmicro format · 27 days late
Resignation: Estivant Charles Nestor (director)Appointment: Bruyneel Anne Sophie (director) · Director discharge: Estivant Charles Nestor · General meeting of 22-12-20224 points ▸

Open the deed in the Belgian Official Gazette

2023
Annual accounts 2022 filed PDFmicro format · 8 days late
2022
Annual accounts 2021 filed PDFmicro format · 25 days late
2021
Back to profit net €53,610 The net result is €53,610, after one loss-making year.
Liquidity more than doubled current ratio 3.22 The current ratio rises from 1.45 to 3.22.
Appointment: BRUYNEEL Anne-Sophie (director)Legal-form conversion: from private limited company (pre-2019) to private limited company4 points ▸
  • Legal-form conversion, from private limited company (pre-2019) to private limited company
  • Capital, €18,600, 100 shares
  • Board composition, ESTIVANT Charles (director)
  • Director appointment, BRUYNEEL Anne-Sophie
  • The deed holds 3 more points.

Open the deed in the Belgian Official Gazette

Annual accounts 2020 filed PDFmicro format · 23 days before the deadline
2020
Annual accounts 2019 filed PDFmicro format · 34 days late
2019
Annual accounts 2018 filed PDFfull format · 7 days late
2018
Back to profit net €8,882 The net result is €8,882, after one loss-making year.
Annual accounts 2017 filed PDFfull format · 46 days before the deadline
2017
Annual accounts 2016 filed PDFfull format · 32 days before the deadline
2016
Back to profit net €1,385 The net result is €1,385, after one loss-making year.
Annual accounts 2015 filed PDFfull format · 4 days before the deadline
2015
First establishment Avenue Belle Vue 62, La Hulpe
Incorporation PDFpublished on 25-02-2015

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

CHESCONSULT was incorporated on 30 January 2015.1 Total assets rose from €28,607 in 2018 to €72,525 in 2025.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2018 and 2025

Company details

Identity

Enterprise number
0597.905.129
VAT number
BE 0597.905.129
Peppol ID
0208:0597905129
Other Peppol ID
9925:BE0597905129
LEI code
254900PBSFY2PWUYWX29 live in the LEI register
Legal form
Private limited company
Status
Active, normal situation
Founded
30-01-2015
Financial year
ends on 31 December
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Fourth Monday of May at 18:00
deed of 04-08-2021 (in French)
Peppol
Reachable since 17-04-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
CHESCONSULT in French
Entity type
Legal entity

Activities

NACEBEL 2025
73110 Advertising agencies main activity
Codes under NACEBEL 2008
73110 Advertising, market research and public relations activities main activity
45204
46170 Wholesale trade
70210 Activities of head offices; management consultancy activities
70220 Business consulting
73120 Media representation
PurposeThe purpose describes the activities the company may carry out under its articles.
“La société a pour objet toutes activités quelconques dans le domaine de la consultance en gestion et financière, Organisation d'événements…”
5 activities
  1. La société a pour objet toutes activités quelconques dans le domaine de la consultance en gestion et financière, Organisation d'événements et de sociétés, cours et consultations diverses, achats/ventes de matériels informatiques et matériels ICT.
  2. Elle pourra également intervenir dans l'importation, l'exportation, et le négoce de marchandises diverses (notamment le vin et le champagne, tabac, denrées alimentaires) et dans l'achat, la vente et la réparation d'automobiles légers.
  3. Elle pourra également être active dans le conseil, l'audit, l'expertise, se rapportant à tous domaines et notamment en matière de campagne publicitaire, bureau d'études et organisation en matière financière et de gestion au sens large du terme, commerciale et immobilière, courtier en reprise et remises tant en Belgique qu'à l'étranger.
  4. La société peut également exercer les fonctions d'administrateur ou de liquidateur dans d'autres sociétés.
  5. Elle peut réaliser toutes opérations liées directement ou indirectement à son objet, pour autant que celles-ci ne soient pas interdites par la loi et les arrêtés d'exécution.
deed of 04-08-2021 (in French)

Registered office and establishments

1 establishment
Establishment Since Unit number
Avenue Belle Vue 62 registered office 1310 La Hulpe 18130 Pre-press and pre-media services 12-02-2015 2.240.337.140

Buildings and parcels at the address

Ground area
957 m²
Buildings
142 m²
Volume, LiDAR
997 m³
Tallest building
9.5 m
Buildings to scale, each on its own parcel
142 m², 9.5 m 142 m², 9.5 m

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
25050B0494/00V002957 m² 1 · 142 m² 9.5 m · 2