Congé
ActiveSummary
Congé has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €959,816 and a net result of €2,949. Equity is growing by ~48.5% per year across the filed fiscal years. Its solvency ranks better than 60% of 31896 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability64▼-24
Solvency91▼-7
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70,000 at 30 days acceptable
Liquidity ample (current ratio 1.97 against 2.58 in 2024; short-term debt: 31.1% and cash: 2.8% of total assets), and 34.1% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
65.9%
Return on assets
0.2%
Age of the figures
12 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
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-05-2026, 27 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
27 d late
2024
on the day
2023
12 d early
2022
108 d early
2021
30 d early
2020
27 d late
2019
5 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 13 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€959,816▲ 0.3%
2024 · €956,867
Total assets
€1.5m▲ 10.6%
2024 · €1.3m
Net result
€2,949▼ 98.6%
2024 · €205,289
Working capital
€438,831▲ 0.5%
2024 · €436,717
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€146,808▲ 22.7%€370,576▲ 152%€458,903▲ 23.8%€298,030▼ 35.1%-€11,692
Net result€96,755above the sector's middle half▲ 32.3%€261,624above the sector's middle half▲ 170%€330,883above the sector's middle half▲ 26.5%€205,289above the sector's middle half▼ 38.0%€2,949within the sector's middle half▼ 98.6%
Equity€296,255above the sector's middle half▲ 48.5%€557,879above the sector's middle half▲ 88.3%€888,761above the sector's middle half▲ 59.3%€956,867above the sector's middle half▲ 7.7%€959,816above the sector's middle half▲ 0.3%
Total assets€917,128above the sector's middle half▲ 36.9%€1.0mabove the sector's middle half▲ 9.3%€1.3mabove the sector's middle half▲ 31.7%€1.3mabove the sector's middle half▼ 0.3%€1.5mabove the sector's middle half▲ 10.6%
Debt€620,874▲ 32.0%€444,816▼ 28.4%€431,700▼ 2.9%€359,146▼ 16.8%€495,994▲ 38.1%
Working capital-€108,034▲ 44.6%€201,130€506,776▲ 152%€436,717▼ 13.8%€438,831▲ 0.5%
Solvency32.3%within the sector's middle half▲ 2.5pp55.6%within the sector's middle half▲ 23.3pp67.3%within the sector's middle half▲ 11.7pp72.7%within the sector's middle half▲ 5.4pp65.9%within the sector's middle half▼ 6.8pp
Staff (FTE)1.8▼ 30.8%1.8=
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
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 turns negative in 2025: a loss of €11,692 after €298,030 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.5m
Fixed assets
€564,277 ▼ 6.5%
Current assets
€891,533 ▲ 25.2%
Equity and liabilities €1.5m
Equity
€959,816 ▲ 0.3%
Debt
€495,994 ▲ 38.1%
Debt's share of the balance-sheet total rises from 27.3% to 34.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€23,791▼
2024 · €408,469
Cash flow
€38,432▼
2024 · €315,728
Current ratio
1.97▼
2024 · 2.58
Quick ratio
1.86▼
2024 · 2.58
Debt to equity
0.52▲
2024 · 0.38
ROE
0.3%▼
2024 · 21.5%
ROA
0.2%▼
2024 · 15.6%
Interest coverage
5.36▼
2024 · 55.92
Debt ≤ 1 year
€452,703▲
2024 · €275,546
Debt > 1 year
€43,291▼
2024 · €83,600
Income taxes
€2,996▼
2024 · €89,620
Staff costs
€165,623▲
2024 · €52,806
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 14,684 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.2%
went bankrupt
3.5%
stopped otherwise
96%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 14,684 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €45,859 | €23,334 | €52,806 | €165,623 | ▲ 214% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €97,534 | €113,538 | €160,469 | €110,439 | €35,483 | ▼ 67.9% |
| Other operating charges640/8 | - | €10,217 | €5,366 | €4,857 | €4,164 | ▼ 14.3% |
| Non-recurring operating charges66A | - | €8,346 | €0 | - | - | - |
| Gross operating margin9900 | €319,865 | €548,536 | €648,072 | €466,133 | €193,578 | ▼ 58.5% |
| Operating profit (loss)9901 | €146,808 | €370,576 | €458,903 | €298,030 | -€11,692 | ▼ 104% |
| Financial income75/76B | - | €0 | €5,078 | €4,183 | €22,078 | ▲ 428% |
| Recurring financial income75 | €67 | €0 | €5,078 | €4,183 | €22,078 | ▲ 428% |
| Financial charges65/66B | - | €14,102 | €6,565 | €7,305 | €4,440 | ▼ 39.2% |
| Recurring financial charges65 | €14,696 | €14,102 | €6,565 | €7,305 | €4,440 | ▼ 39.2% |
| Profit (loss) for the period before taxes9903 | €132,179 | €356,474 | €457,416 | €294,909 | €5,946 | ▼ 98.0% |
| Income taxes67/77 | €35,424 | €94,850 | €126,533 | €89,620 | €2,996 | ▼ 96.7% |
| Profit (loss) for the period9904 | €96,755 | €261,624 | €330,883 | €205,289 | €2,949 | ▼ 98.6% |
| Transfer to tax-exempt reserves689 | - | - | €189,450 | €63,150 | €0 | ▼ 100% |
| Profit (loss) for the period to be appropriated9905 | €96,755 | €261,624 | €141,433 | €142,139 | €2,949 | ▼ 97.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €917,128 | €1.0m | €1.3m | €1.3m | €1.5m | ▲ 10.6% |
| Fixed assets21/28 | €626,166 | €556,631 | €532,375 | €603,750 | €564,277 | ▼ 6.5% |
| Tangible fixed assets22/27 | €615,206 | €545,671 | €516,415 | €537,790 | €498,317 | ▼ 7.3% |
| Land and buildings22 | - | €360,999 | €360,999 | €360,999 | €360,999 | = |
| Plant, machinery and equipment23 | - | €176,310 | €150,188 | €103,003 | €83,199 | ▼ 19.2% |
| Furniture and vehicles24 | - | €8,363 | €5,229 | €73,788 | €54,119 | ▼ 26.7% |
| Financial fixed assets28 | €10,960 | €10,960 | €15,960 | €65,960 | €65,960 | = |
| Current assets29/58 | €290,962 | €446,063 | €788,086 | €712,264 | €891,533 | ▲ 25.2% |
| Amounts receivable after more than one year29 | - | - | - | €250,000 | €493,200 | ▲ 97.3% |
| Other amounts receivable291 | - | - | - | €250,000 | €493,200 | ▲ 97.3% |
| Stocks and contracts in progress3 | - | - | - | - | €50,000 | - |
| Contracts in progress37 | - | - | - | - | €50,000 | - |
| Amounts receivable within one year40/41 | €192,634 | €113,467 | €186,953 | €347,713 | €290,703 | ▼ 16.4% |
| Trade receivables40 | - | €16,608 | €143,772 | €197,017 | €255,122 | ▲ 29.5% |
| Other amounts receivable41 | - | €96,859 | €43,182 | €150,696 | €35,581 | ▼ 76.4% |
| Current investments50/53 | - | - | €250,000 | €0 | - | - |
| Cash at bank and in hand54/58 | €98,329 | €240,097 | €264,862 | €114,551 | €41,146 | ▼ 64.1% |
| Deferred charges and accrued income490/1 | - | €92,500 | €86,270 | €0 | €16,484 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €917,128 | €1.0m | €1.3m | €1.3m | €1.5m | ▲ 10.6% |
| Equity10/15 | €296,255 | €557,879 | €888,761 | €956,867 | €959,816 | ▲ 0.3% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | - | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | - | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €234,255 | €495,879 | €826,761 | €894,867 | €897,816 | ▲ 0.3% |
| Non-distributable reserves130/1 | - | €3,451 | €3,451 | €3,451 | €3,451 | = |
| Legal reserve130 | - | €3,451 | €3,451 | €3,451 | €3,451 | = |
| Tax-exempt reserves132 | - | - | €189,450 | €252,600 | €252,600 | = |
| Distributable reserves133 | - | €492,427 | €633,860 | €638,816 | €641,765 | ▲ 0.5% |
| Profit (loss) carried forward14 | - | - | - | €0 | €0 | - |
| Amounts payable17/49 | €620,874 | €444,816 | €431,700 | €359,146 | €495,994 | ▲ 38.1% |
| Amounts payable after more than one year17 | €221,878 | €167,393 | €133,765 | €83,600 | €43,291 | ▼ 48.2% |
| Financial debts170/4 | - | €142,393 | €108,765 | €62,880 | €23,291 | ▼ 63.0% |
| Other amounts payable178/9 | - | €25,000 | €25,000 | €20,720 | €20,000 | ▼ 3.5% |
| Amounts payable within one year42/48 | €398,996 | €244,933 | €281,309 | €275,546 | €452,703 | ▲ 64.3% |
| Current portion of amounts payable after more than one year42 | - | €102,656 | €83,516 | €88,692 | €39,589 | ▼ 55.4% |
| Trade debts44 | €209,918 | €88,679 | €78,924 | €62,920 | €138,662 | ▲ 120% |
| Suppliers440/4 | - | €88,679 | €78,924 | €62,920 | €138,662 | ▲ 120% |
| Taxes, remuneration and social security45 | - | €50,065 | €69,080 | €104,144 | €71,907 | ▼ 31.0% |
| Taxes450/3 | - | €30,981 | €69,080 | €84,198 | €47,749 | ▼ 43.3% |
| Remuneration and social security454/9 | - | €19,084 | €0 | €19,946 | €24,158 | ▲ 21.1% |
| Other amounts payable47/48 | - | €3,533 | €49,789 | €19,789 | €202,544 | ▲ 923% |
| Accrued charges and deferred income492/3 | - | €32,489 | €16,625 | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €96,755 | €261,624 | €330,883 | €205,289 | €2,949 | ▼ 98.6% |
| + Depreciation and write-downs630 | €97,534 | €113,538 | €160,469 | €110,439 | €35,483 | ▼ 67.9% |
| Operating cash flow (approximation) | €194,289 | €375,162 | €491,352 | €315,728 | €38,432 | ▼ 87.8% |
| Investment in fixed assets (approximation) | - | -€44,003 | -€136,214 | -€181,813 | €3,990 | ▲ 102% |
| Change in cash | - | €141,768 | €24,765 | -€150,312 | -€73,404 | ▲ 51.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
30-09
Financial
Weakest financial yearnet €2,949 ▼98.6%
Net result drops to €2,949, the lowest in the series.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2019net €330,883 ▲26.5%
Operating result €458,903, net result €330,883, both a record.
12-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Liquidity doublescurrent ratio 1.82
Current ratio from 0.73 to 1.82; short-term debt falls from €398,996 to €244,933.
30-09
Financial
Equity above €500,000Eq €557,879 ▲88.3%
4 profitable years in a row build equity to €557,879.
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Equity above €200,000Eq €296,255 ▲48.5%
3 profitable years in a row build equity to €296,255.
27-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 27 days late
2020
30-09
Financial
Equity above €150,000Eq €199,500 ▲57.8%
2 profitable years in a row build equity to €199,500.
Show earlier events
2019
05-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 5 days late
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 92 days late
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
28-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts
We know of 10 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
10 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, Antwerpen · 1 establishment unit since 2015
Ground area
4,593 m²
Building footprint
1,641 m²
Volume, LiDAR
39 m³
Parcel 11809I2917/00K000, Flanders · tallest building 3.2 m. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Congé
since 20152.247.785.948
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11809I2917/00K000 | Flanders | 4,593 m² | 1 · 1,641 m² | 3.1 m |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
4 holdingsOwners 0
The accounts to 30-09-2025 list no shareholders, and no other source names one.
Holdings 4
- SANTOSHAsubsidiarySourceown accounts 30-09-202580%
-
50%
-
50%
-
40%
According to the annual accounts to 30-09-2025 of Congé and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 5 entries · 40,000 EUR awarded · 40,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 12,500 EUR |
| 2023 | 2 | 7,500 EUR | 23,585 EUR |
| 2022 | 2 | 32,500 EUR | 3,915 EUR |
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Of 82,642 companies in sector 70200 we hold annual accounts for 52,626. 28,318 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded04-09-2006
Fiscal year end30-09
Activities, NACEBEL 2025
56301Cafés and bars
70200Business and other management consultancy
56111Full-service restaurants
E-invoicing
Reachable via Peppol
Peppol ID
0208:0883297539
Also
9925:BE0883297539
Registered
20-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.