congruente
ActiveSummary
congruente has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €201k and a net result of €81k. Equity is growing by ~15% per year across the filed fiscal years. Its solvency ranks better than 60% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+2
Solvency91▼-9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 2.84 against 9.18 in 2024; short-term debt: 33.3% and cash: 1.6% of total assets), and 33.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
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
66.2%
Return on assets
26.6%
Age of the figures
9 mo
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 12-05-2026, 80 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
80 d early
2024
55 d early
2023
71 d early
2022
52 d early
2021
61 d early
2020
60 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€201k▲ 0.5%
2024 · €200k
Total assets
€304k▲ 35.3%
2024 · €225k
Net result
€81k▲ 53.8%
2024 · €53k
Working capital
€186k▼ 1.3%
2024 · €189k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€99k▲ 42.1%€128k▲ 29.4%€80k▼ 37.5%€75k▼ 6.0%€105k▲ 40.0%
Net result€71k▲ 43.9%€97k▲ 36.5%€59k▼ 39.7%€53k▼ 10.2%€81k▲ 53.8%
Equity€122k▲ 134%€217k▲ 78.7%€149k▼ 31.2%€200k▲ 34.1%€201k▲ 0.5%
Total assets€177k▲ 132%€289k▲ 63.5%€226k▼ 21.7%€225k▼ 0.5%€304k▲ 35.3%
Debt€53k▲ 137%€70k▲ 30.7%€75k▲ 7.7%€23k▼ 69.4%€101k▲ 340%
Working capital€91k▲ 156%€195k▲ 114%€134k▼ 31.4%€189k▲ 40.9%€186k▼ 1.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 40% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €304k
Fixed assets
€17k ▲ 27.2%
Current assets
€287k ▲ 35.8%
Equity and liabilities €304k
Equity
€201k ▲ 0.5%
Provisions
€2k ▲ 6.3%
Debt
€101k ▲ 340%
Debt's share of the balance-sheet total rises from 10.2% to 33.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€108k▲
2024 · €78k
Cash flow
€84k▲
2024 · €55k
Current ratio
2.84▼
2024 · 9.18
Debt to equity
0.50▲
2024 · 0.12
ROE
40.2%▲
2024 · 26.3%
ROA
26.6%▲
2024 · 23.4%
Interest coverage
61.64▼
2024 · 133.73
Debt ≤ 1 year
€101k▲
2024 · €23k
Income taxes
€23k▲
2024 · €22k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €614 | - | €239 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €8k | €8k | €3k | €3k | ▲ 6.7% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | €75 | €25 | - | - | €100 | - |
| Other operating charges640/8 | €1k | €2k | €2k | €1k | €1k | ▼ 18.5% |
| Non-recurring operating charges66A | €253 | €3 | €368 | €239 | - | - |
| Gross operating margin9900 | €107k | €137k | €90k | €79k | €109k | ▲ 37.5% |
| Operating profit (loss)9901 | €99k | €128k | €80k | €75k | €105k | ▲ 40.0% |
| Financial income75/76B | - | €2 | - | €461 | €526 | ▲ 14.2% |
| Recurring financial income75 | - | €2 | - | €461 | €526 | ▲ 14.2% |
| Financial charges65/66B | €46 | €173 | €158 | €581 | €2k | ▲ 201% |
| Recurring financial charges65 | €46 | €173 | €158 | €581 | €2k | ▲ 201% |
| Profit (loss) for the period before taxes9903 | €99k | €127k | €80k | €75k | €104k | ▲ 38.6% |
| Income taxes67/77 | €27k | €30k | €21k | €22k | €23k | ▲ 2.5% |
| Profit (loss) for the period9904 | €71k | €97k | €59k | €53k | €81k | ▲ 53.8% |
| Profit (loss) for the period to be appropriated9905 | €71k | €97k | €59k | €53k | €81k | ▲ 53.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €177k | €289k | €226k | €225k | €304k | ▲ 35.3% |
| Fixed assets21/28 | €32k | €24k | €18k | €13k | €17k | ▲ 27.2% |
| Tangible fixed assets22/27 | €32k | €24k | €18k | €13k | €17k | ▲ 27.2% |
| Furniture and vehicles24 | €32k | €24k | €18k | €13k | €17k | ▲ 27.2% |
| Current assets29/58 | €145k | €265k | €208k | €212k | €287k | ▲ 35.8% |
| Amounts receivable after more than one year29 | - | - | €60k | €60k | €60k | = |
| Other amounts receivable291 | - | - | €60k | €60k | €60k | = |
| Amounts receivable within one year40/41 | €19k | €24k | €17k | €45k | €40k | ▼ 11.3% |
| Trade receivables40 | €19k | €23k | €17k | €42k | €39k | ▼ 7.5% |
| Other amounts receivable41 | - | €348 | - | €3k | €1k | ▼ 61.8% |
| Current investments50/53 | - | - | €123k | €105k | €181k | ▲ 72.9% |
| Cash at bank and in hand54/58 | €126k | €237k | €7k | €421 | €5k | ▲ 1,050% |
| Deferred charges and accrued income490/1 | €272 | €4k | €2k | €1k | €1k | ▲ 5.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €177k | €289k | €226k | €225k | €304k | ▲ 35.3% |
| Equity10/15 | €122k | €217k | €149k | €200k | €201k | ▲ 0.5% |
| Contributions10/11 | €4k | €4k | €4k | €4k | €4k | = |
| Reserves13 | €117k | €212k | €145k | €196k | €196k | = |
| Distributable reserves133 | €117k | €212k | €145k | €196k | €196k | = |
| Profit (loss) carried forward14 | €683 | €1k | €493 | €91 | €1k | ▲ 1,092% |
| Provisions and deferred taxes16 | €2k | €2k | €2k | €2k | €2k | ▲ 6.3% |
| Provisions for liabilities and charges160/5 | €2k | €2k | €2k | €2k | €2k | ▲ 6.3% |
| Other liabilities and charges164/5 | €2k | €2k | €2k | €2k | €2k | ▲ 6.3% |
| Amounts payable17/49 | €53k | €70k | €75k | €23k | €101k | ▲ 340% |
| Amounts payable within one year42/48 | €53k | €69k | €75k | €23k | €101k | ▲ 340% |
| Trade debts44 | €747 | €218 | €798 | €1k | €55 | ▼ 95.1% |
| Suppliers440/4 | €747 | €218 | €798 | €1k | €55 | ▼ 95.1% |
| Taxes, remuneration and social security45 | €51k | €67k | €42k | €20k | €21k | ▲ 5.3% |
| Taxes450/3 | €51k | €67k | €42k | €20k | €21k | ▲ 5.3% |
| Other amounts payable47/48 | €2k | €2k | €32k | €2k | €80k | ▲ 4,525% |
| Accrued charges and deferred income492/3 | - | €540 | €577 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €71k | €97k | €59k | €53k | €81k | ▲ 53.8% |
| + Depreciation and write-downs630 | €7k | €8k | €8k | €3k | €3k | ▲ 6.7% |
| Operating cash flow (approximation) | €78k | €105k | €67k | €55k | €84k | ▲ 51.4% |
| Investment in fixed assets (approximation) | - | €-65 | €-2k | €2k | €-7k | ▼ 530% |
| Change in cash | - | €111k | €-230k | €-7k | €4k | ▲ 168% |
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
12-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 9.18
Current ratio from 2.79 to 9.18; short-term debt falls from €75k to €23k.
31-12
Financial
Equity above €200kEq €200k ▲34.1%
5 profitable years in a row build equity to €200k.
21-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €97k ▲36.5%
Operating result €128k, net result €97k, both a record.
31-12
Financial
Equity above €200kEq €217k ▲78.7%
3 profitable years in a row build equity to €217k.
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €122k ▲134%
2 profitable years in a row build equity to €122k.
01-06
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.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Gent · 1 establishment unit since 2020
Ground area
406 m²
Building footprint
126 m²
Volume, LiDAR
973 m³
Parcel 44808H0129/00A002, Flanders · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
congruente
since 20202.299.506.546
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44808H0129/00A002 | Flanders | 406 m² | 1 · 126 m² | 11.3 m · 3 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 2,181 EUR awarded · 1,954 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 227 EUR | 266 EUR |
| 2024 | 1 | 1,646 EUR | 1,380 EUR |
| 2022 | 1 | 308 EUR | 308 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,632 companies in sector 70200 we hold annual accounts for 52,575. 40,039 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded10-02-2020
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
70100Activities of head offices
Scores and ratios are computed by Checked and are not a credit decision.