COLLETTE CONSEILS
ActiveFinancials · financial year 2025, micro format
Annual accounts 2025 filed on 29-06-2026 at the NBB all 2 filings
Every figure per financial year
The operating result for 2025 is 12% higher than in 2024.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Investments
| Item | 2024 | 2025 |
|---|---|---|
| Tangible fixed assets | €10,052 | - |
| Depreciation and write-downs of the year | €1,418 | €2,010 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,418 | €2,010 | ▲ 41.7% |
| Other operating charges640/8 | €334 | €278 | ▼ 16.8% |
| Gross operating margin9900 | €49,732 | €55,881 | ▲ 12.4% |
| Operating profit (loss)9901 | €47,980 | €53,593 | ▲ 11.7% |
| Financial income75/76B | €266 | €709 | ▲ 167% |
| Recurring financial income75 | €266 | €709 | ▲ 167% |
| Financial charges65/66B | €177 | €282 | ▲ 59.5% |
| Recurring financial charges65 | €177 | €282 | ▲ 59.5% |
| Profit (loss) for the period before taxes9903 | €48,069 | €54,020 | ▲ 12.4% |
| Income taxes67/77 | €9,780 | €15,030 | ▲ 53.7% |
| Profit (loss) for the period9904 | €38,289 | €38,990 | ▲ 1.8% |
| Profit (loss) for the period to be appropriated9905 | €38,289 | €38,990 | ▲ 1.8% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €59,065 | €107,417 | ▲ 81.9% |
| Fixed assets21/28 | €8,634 | €6,623 | ▼ 23.3% |
| Tangible fixed assets22/27 | €8,634 | €6,623 | ▼ 23.3% |
| Furniture and vehicles24 | €2,206 | €1,695 | ▼ 23.2% |
| Other tangible fixed assets26 | €6,427 | €4,928 | ▼ 23.3% |
| Current assets29/58 | €50,431 | €100,794 | ▲ 99.9% |
| Amounts receivable within one year40/41 | €42,677 | €90,861 | ▲ 113% |
| Trade receivables40 | €12,257 | €38,985 | ▲ 218% |
| Other amounts receivable41 | €30,421 | €51,876 | ▲ 70.5% |
| Cash at bank and in hand54/58 | €6,159 | €9,264 | ▲ 50.4% |
| Deferred charges and accrued income490/1 | €1,595 | €669 | ▼ 58.0% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €59,065 | €107,417 | ▲ 81.9% |
| Equity10/15 | €40,289 | €79,279 | ▲ 96.8% |
| Contributions10/11 | €2,000 | €2,000 | = |
| Reserves13 | - | €38,750 | - |
| Distributable reserves133 | - | €38,750 | - |
| Profit (loss) carried forward14 | €38,289 | €38,529 | ▲ 0.6% |
| Amounts payable17/49 | €18,776 | €28,138 | ▲ 49.9% |
| Amounts payable within one year42/48 | €18,776 | €28,138 | ▲ 49.9% |
| Trade debts44 | €1,397 | €22 | ▼ 98.4% |
| Suppliers440/4 | €1,397 | €22 | ▼ 98.4% |
| Taxes, remuneration and social security45 | €17,379 | €28,116 | ▲ 61.8% |
| Taxes450/3 | €17,379 | €28,116 | ▲ 61.8% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €38,289 | €38,990 | ▲ 1.8% |
| + Depreciation and write-downs630 | €1,418 | €2,010 | ▲ 41.7% |
| Operating cash flow (approximation) | €39,707 | €41,000 | ▲ 3.3% |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | €3,105 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 39,278 companies had the same profile as COLLETTE CONSEILS has now. Two years later, 95.8% were still going and 1.8% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of COLLETTE CONSEILS itself: 0.6% within 12 months.
Test of the method
The method was tested on the 497,446 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 39,278 companies, not a prediction for COLLETTE CONSEILS. 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.