CONDROZ CONSULT
ActiveCONDROZ CONSULT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €389k and a net result of €120k. Equity is growing by ~62.3% per year across the filed fiscal years. Its solvency ranks better than 65% of 1458 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
24 d early
2023
26 d late
2022
25 d late
2021
31 d late
2020
20 d late
2019
31 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€389k▲ 44.7%
2024 · €269k
2018: €-75k
2019: €-3k
2020: €16k
2021: €-13k
2022: €118k
2023: €142k
2024: €269k
2018 → 2025
Net result
€120k▼ 42.0%
2024 · €207k
2018: €-88k
2019: €72k
2020: €20k
2021: €-28k
2022: €-19k
2023: €24k
2024: €207k
2018 → 2025
Total assets
€695k▲ 51.7%
2024 · €458k
2018: €395k
2019: €391k
2020: €358k
2021: €162k
2022: €336k
2023: €388k
2024: €458k
2018 → 2025
Solvency
56.0%▼ 2.7pp
2024 · 58.7%
2018: -19.0%
2019: -0.9%
2020: 4.6%
2021: -7.8%
2022: 35.2%
2023: 36.6%
2024: 58.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-13k-€118k€142k▲ 20.2%€269k▲ 89.2%€389k▲ 44.7%
Operating result€-21k-€-18k▲ 13.0%€42k€207k▲ 397%€164k▼ 20.4%
Net result€-28k-€-19k▲ 31.2%€24k€207k▲ 768%€120k▼ 42.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 20% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €695k
Fixed assets
€404k▲ 109%
Current assets
€291k▲ 9.8%
Equity and liabilities €695k
Equity
€389k▲ 44.7%
Debt
€306k▲ 61.7%
The debt ratio rises from 41.3% to 44.0%: debt grows faster than equity.
Key figures and ratios
Solvency
56.0%▼
2024 · 58.7%
ROE
30.9%▼
2024 · 77.2%
ROA
17.3%▼
2024 · 45.3%
Debt
€306k▲
2024 · €189k
Debt ≤ 1 year
€154k▲
2024 · €106k
Debt > 1 year
€151k▲
2024 · €82k
Income taxes
€38k▲
2024 · €13k
Staff costs
€230k▲
2024 · €164k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€458k€695k▲
Fixed assets21/28€193k€404k▲
Intangible fixed assets21€172k€150k▼
Tangible fixed assets22/27€21k€254k▲
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€183€11k▲
Other tangible fixed assets26-€240k
Assets under construction and advance payments27€17k€0▼
Current assets29/58€265k€291k▲
Amounts receivable within one year40/41€5k€79k▲
Trade receivables40€5k€23k▲
Other amounts receivable41€4€56k▲
Cash at bank and in hand54/58€139k€51k▼
Deferred charges and accrued income490/1€121k€161k▲
Equity and liabilities
Total equity and liabilities10/49€458k€695k▲
Equity10/15€269k€389k▲
Contributions10/11€376k€376k=
Reserves13-€13k
Distributable reserves133-€13k
Profit (loss) carried forward14€-107k€0▲
Amounts payable17/49€189k€306k▲
Amounts payable after more than one year17€82k€151k▲
Financial debts170/4€82k€151k▲
Amounts payable within one year42/48€106k€154k▲
Current portion of amounts payable after more than one year42€34k€64k▲
Trade debts44€9k€21k▲
Suppliers440/4€9k€21k▲
Taxes, remuneration and social security45€28k€69k▲
Taxes450/3€8k€41k▲
Remuneration and social security454/9€19k€28k▲
Other amounts payable47/48€36k€15▼
Accrued charges and deferred income492/3€2k€398▼
Income statement
Code20242025
Remuneration, social security and pensions62€164k€230k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€42k▲
Other operating charges640/8€2k€5k▲
Gross operating margin9900€390k€443k▲
Operating profit (loss)9901€207k€164k▼
Financial income75/76B€20k€913▼
Recurring financial income75€20k€913▼
Financial charges65/66B€6k€8k▲
Recurring financial charges65€6k€8k▲
Profit (loss) for the period before taxes9903€220k€158k▼
Income taxes67/77€13k€38k▲
Profit (loss) for the period9904€207k€120k▼
Profit (loss) for the period to be appropriated9905€207k€120k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-27k€13k▲
Profit (loss) brought forward from the previous period14P€-234k€-107k▲
Transfer to equity691/2-€13k
To other reserves6921-€13k
Profit to be distributed694/7€81k€0▼
Return on contributions (dividend)694€81k€0▼
Social balance
Average headcount (FTE)9087-4.0
The notes to these accounts (18 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €207k ▲768%
Operating result €207k, net result €207k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 2.50
Current ratio from 0.85 to 2.50; short-term debt falls from €229k to €106k.
31-12
Financial
Equity above €200kEq €269k ▲89.2%
2 profitable years in a row build equity to €269k.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Back to profitnet €24k
Net result €24k after 2 loss-making years.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Equity above €100kEq €118k
Equity rises from €-13k to €118k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Back to profitnet €72k
Net result €72k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2021
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
28-07-2021
Resigned as Managing director
Location & real-estate footprint
Registered office, Clavier · 1 establishment unit since 2013
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 de la Gendarmerie 534560 ClavierGround area
526 m²
Building footprint
103 m²
Parcel 61012I0081/00P018, Wallonia. Linked by address, not a title deed.
1 establishment unit
CONDROZ CONSULT
since 20132.220.245.767
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61012I0081/00P018 | Wallonia | 526 m² | 1 · 103 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 1,678 companies in sector 66191 we hold annual accounts for 1,227. 1,039 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-06-2013
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.