CONGRUENCE CONSULTING
ActiveCONGRUENCE CONSULTING has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €7k and a net result of €7k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 89% of 37968 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100▲+100
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity ample (current ratio 10.49; short-term debt: 9.4% and cash: 0.6% of total assets), and 9.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 · 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
90.6%
Return on assets
97.7%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-11-2025, 94 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
94 d late
2023
115 d late
2022
130 d late
2021
141 d late
2020
149 d late
2019
150 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€7k
2023 · €-540
2018: €2k
2019: €3k
2020: €3k
2021: €2k
2022: €-744
2023: €-540
2018 → 2024
Total assets
€8k▲ 1,541%
2023 · €463
2018: €3k
2019: €3k
2020: €4k
2021: €3k
2022: €2k
2023: €463
2018 → 2024
Net result
€7k▲ 3,528%
2023 · €205
2018: €-8k
2019: €765
2020: €337
2021: €-1k
2022: €-3k
2023: €205
2018 → 2024
Working capital
€7k
2023 · €-1k
2018: €1k
2019: €2k
2020: €3k
2021: €2k
2022: €-2k
2023: €-1k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€3k-€2k▼ 35.1%€-744€-540▲ 27.5%€7k
Operating result€424-€-961€-3k▼ 181%€336€8k▲ 2,343%
Net result€337-€-1k€-3k▼ 153%€205€7k▲ 3,528%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 2,343% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €8k
Fixed assets
€97▼ 79.2%
Current assets
€8k▲ 37,511,900%
Equity and liabilities €8k
Equity
€7k
Debt
€715
Debt finances 9.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€9k▲
2023 · €836
Cash flow
€8k▲
2023 · €705
Solvency
90.6%
Current ratio
10.49
Quick ratio
10.49
Debt / equity
0.10
ROE
107.8%
ROA
97.7%
Interest coverage
109.98▲
2023 · 6.35
Debt
€715▼
2023 · €1k
Debt ≤ 1 year
€715▼
2023 · €1k
Income taxes
€715
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€463€8k▲
Fixed assets21/28€463€97▼
Tangible fixed assets22/27€463€97▼
Furniture and vehicles24€463€97▼
Current assets29/58€0€8k▲
Amounts receivable within one year40/41-€7k
Trade receivables40-€3k
Other amounts receivable41-€5k
Cash at bank and in hand54/58€0€46▲
Equity and liabilities
Total equity and liabilities10/49€463€8k▲
Equity10/15€-540€7k▲
Contributions10/11€18k€18k=
Profit (loss) carried forward14€-19k€-11k▲
Amounts payable17/49€1k€715▼
Amounts payable within one year42/48€1k€715▼
Taxes, remuneration and social security45-€715
Taxes450/3-€715
Other amounts payable47/48€1k-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€500€367▼
Gross operating margin9900€836€9k▲
Operating profit (loss)9901€336€8k▲
Financial charges65/66B€132€78▼
Recurring financial charges65€132€78▼
Profit (loss) for the period before taxes9903€205€8k▲
Income taxes67/77-€715
Profit (loss) for the period9904€205€7k▲
Profit (loss) for the period to be appropriated9905€205€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-19k€-11k▲
Profit (loss) brought forward from the previous period14P€-19k€-19k▲
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
02-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 94 days late
2024
31-12
Financial
Highest result since 2018net €7k ▲3528%
Operating result €8k, net result €7k, both a record.
31-12
Financial
Liquidity times 526057current ratio 10.49
Current ratio from 0.00 to 10.49; short-term debt falls from €1k to €715.
23-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 115 days late
2023
31-12
Financial
Back to profitnet €205
Net result €205 after 2 loss-making years.
08-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 130 days late
2022
19-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 141 days late
2021
27-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 149 days late
2020
28-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 150 days late
2019
31-12
Financial
Back to profitnet €765
Net result €765 after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 4.81
Current ratio from 2.02 to 4.81; short-term debt falls from €1k to €589.
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 141 days late
2018
27-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 149 days late
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, Sint-Pieters-Woluwe · 1 establishment unit since 2016
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.
Julius Caesarlaan 91150 Sint-Pieters-WoluweGround area
563 m²
Building footprint
157 m²
Volume, LiDAR
1,899 m³
Parcel 21019A0157/00Y003, Brussels · tallest building 15.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
CONGRUENCE CONSULTING
since 20162.257.362.719
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21019A0157/00Y003 | Brussels | 563 m² | 1 · 157 m² | 15.0 m · 4 fl. |
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 82,546 companies in sector 70200 we hold annual accounts for 52,562. 18,852 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded31-08-2016
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.