CIARDO CONSULTING
ActiveCIARDO CONSULTING has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €3k and a net result of €4k. Equity is growing by ~91.9% per year across the filed fiscal years. Its solvency ranks better than 22% of 37959 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+50
Solvency47▲+30
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven 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
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
21.8%
Return on assets
29.9%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 37959 sector peers (2024).
NBB · sector comparisonPosition among 37959 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-08-2025, 20 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
20 d late
2023
16 d late
2022
17 d early
2021
9 d late
2020
16 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€4k
2023 · €-3k
2020: €-3k
2021: €2k
2022: €3k
2023: €-3k
2020 → 2024
Working capital
€3k
2023 · €-6k
2020: €-8k
2021: €-21k
2022: €-11k
2023: €-6k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-3k-€-1k▲ 65.8%€2k€-1k€3k
Operating result€-5k-€2k€5k▲ 133%€-1k€9k
Net result€-3k-€2k€3k▲ 33.7%€-3k€4k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €9k after a loss of €1k in 2023, the highest result in the available series.
Balance-sheet composition
Equity and liabilities €15k
Equity
€3k
Debt
€11k
Debt finances 78.2% of the balance-sheet total.
Key figures and ratios
EBITDA
€13k▲
2023 · €7k
Cash flow
€9k▲
2023 · €6k
Solvency
21.8%▲
2023 · -8.3%
Current ratio
1.28▲
2023 · 0.63
Quick ratio
1.25▲
2023 · 0.61
Debt / equity
3.59▲
2023 · -13.03
ROE
137.1%
ROA
29.9%▲
2023 · -19.6%
Interest coverage
103.13▼
2023 · 165.89
Debt
€11k▼
2023 · €15k
Debt ≤ 1 year
€11k▼
2023 · €15k
Income taxes
€4k▲
2023 · €2k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€14k€15k▲
Formation expenses20€72€0▼
Fixed assets21/28€4k€0▼
Intangible fixed assets21-€0
Tangible fixed assets22/27€4k€0▼
Furniture and vehicles24€4k€0▼
Current assets29/58€10k€15k▲
Stocks and contracts in progress3€338€338=
Stocks30/36€338€338=
Amounts receivable within one year40/41€171€2k▲
Other amounts receivable41€171€2k▲
Cash at bank and in hand54/58€8k€11k▲
Deferred charges and accrued income490/1€965€997▲
Equity and liabilities
Total equity and liabilities10/49€14k€15k▲
Equity10/15€-1k€3k▲
Contributions10/11€1€1=
Profit (loss) carried forward14€-1k€3k▲
Amounts payable17/49€15k€11k▼
Amounts payable within one year42/48€15k€11k▼
Trade debts44€239€854▲
Suppliers440/4€239€854▲
Taxes, remuneration and social security45€7k€11k▲
Taxes450/3€7k€11k▲
Other amounts payable47/48€9k€0▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€4k▼
Other operating charges640/8€815€784▼
Non-recurring operating charges66A€1k€480▼
Gross operating margin9900€9k€15k▲
Operating profit (loss)9901€-1k€9k▲
Financial charges65/66B€45€129▲
Recurring financial charges65€45€129▲
Profit (loss) for the period before taxes9903€-1k€9k▲
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€-3k€4k▲
Profit (loss) for the period to be appropriated9905€-3k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€3k▲
Profit (loss) brought forward from the previous period14P€2k€-1k▼
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
2025
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.28
Current ratio from 0.63 to 1.28; short-term debt falls from €15k to €11k.
16-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 16 days late
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 9 days late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Fosses-la-Ville · 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.
Rue Grande, Le Roux 445070 Fosses-la-VilleGround area
975 m²
Building footprint
118 m²
Parcel 92070A0878/00T000, Wallonia. Linked by address, not a title deed.
1 establishment unit
CIARDO CONSULTING
since 20192.288.715.493
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92070A0878/00T000 | Wallonia | 975 m² | 1 · 118 m² | - |
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.
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 11,748 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-05-2019
Fiscal year end31-12
Trade name FR
SRL
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
11010Manufacture of beverages
11050Manufacture of beer
47512Retail sale of household textiles and bedding
47553Retail trade
47593Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:ciardo.consulting@gmail.com