Consarto
ActiveConsarto has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €166k and a net result of €13k. Equity is growing by ~19.6% per year across the filed fiscal years. Its solvency ranks better than 93% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-6
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 15.7 against 9.99 in 2024; short-term debt: 6.1% and cash: 94% of total assets), and 6.1% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
93.9%
Return on assets
7.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-08-2026, 15 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
15 d late
2024
8 d early
2023
30 d late
2022
12 d early
2021
2 d late
2020
24 d late
2019
25 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€166k▲ 6.3%
2024 · €156k
2018: €54k
2019: €65k
2020: €70k
2021: €94k
2022: €123k
2023: €153k
2024: €156k
2018 → 2025
Total assets
€176k▲ 2.5%
2024 · €172k
2018: €94k
2019: €97k
2020: €96k
2021: €107k
2022: €139k
2023: €169k
2024: €172k
2018 → 2025
Net result
€13k▼ 36.4%
2024 · €21k
2018: €4k
2019: €12k
2020: €6k
2021: €24k
2022: €30k
2023: €24k
2024: €21k
2018 → 2025
Working capital
€159k▲ 9.8%
2024 · €145k
2018: €38k
2019: €50k
2020: €60k
2021: €83k
2022: €110k
2023: €140k
2024: €145k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€94k-€123k▲ 31.6%€153k▲ 24.2%€156k▲ 1.6%€166k▲ 6.3%
Operating result€35k-€41k▲ 16.5%€35k▼ 13.8%€31k▼ 11.8%€20k▼ 35.3%
Net result€24k-€30k▲ 22.3%€24k▼ 19.3%€21k▼ 11.9%€13k▼ 36.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 35% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €176k
Fixed assets
€6k▼ 42.7%
Current assets
€170k▲ 5.5%
Equity and liabilities €176k
Equity
€166k▲ 6.3%
Debt
€11k▼ 33.4%
The debt ratio falls from 9.5% to 6.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€25k▼
2024 · €36k
Cash flow
€18k▼
2024 · €26k
Solvency
93.9%▲
2024 · 90.5%
Current ratio
15.70▲
2024 · 9.99
Quick ratio
15.70▲
2024 · 9.99
Debt / equity
0.07▼
2024 · 0.10
ROE
8.1%▼
2024 · 13.5%
ROA
7.6%▼
2024 · 12.2%
Interest coverage
25.88▼
2024 · 30.58
Debt
€11k▼
2024 · €16k
Debt ≤ 1 year
€11k▼
2024 · €16k
Income taxes
€6k▼
2024 · €9k
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€172k€176k▲
Fixed assets21/28€11k€6k▼
Tangible fixed assets22/27€11k€6k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€8k€4k▼
Current assets29/58€161k€170k▲
Amounts receivable within one year40/41€17k€4k▼
Trade receivables40€14k-
Other amounts receivable41€3k€4k▲
Cash at bank and in hand54/58€144k€166k▲
Deferred charges and accrued income490/1€164€31▼
Equity and liabilities
Total equity and liabilities10/49€172k€176k▲
Equity10/15€156k€166k▲
Reserves13€154k€165k▲
Distributable reserves133€154k€165k▲
Profit (loss) carried forward14€2k€61▼
Amounts payable17/49€16k€11k▼
Amounts payable within one year42/48€16k€11k▼
Trade debts44€900€2k▲
Suppliers440/4€900€2k▲
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€4k€3k▼
Other amounts payable47/48€11k€6k▼
Accrued charges and deferred income492/3€124-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▼
Other operating charges640/8€865€897▲
Gross operating margin9900€37k€26k▼
Operating profit (loss)9901€31k€20k▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€1k€955▼
Recurring financial charges65€1k€955▼
Profit (loss) for the period before taxes9903€30k€19k▼
Income taxes67/77€9k€6k▼
Profit (loss) for the period9904€21k€13k▼
Profit (loss) for the period to be appropriated9905€21k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€23k€15k▼
Profit (loss) brought forward from the previous period14P€2k€2k▲
Transfer from equity791/2-€4k
Transfer to equity691/2€21k€15k▼
To other reserves6921€21k€15k▼
Profit to be distributed694/7-€4k
Return on contributions (dividend)694-€4k
The notes to these accounts (3 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
15-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 15 days late
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €150kEq €153k ▲24.2%
6 profitable years in a row build equity to €153k.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €30k ▲22.3%
Operating result €41k, net result €30k, both a record.
31-12
Financial
Equity above €100kEq €123k ▲31.6%
5 profitable years in a row build equity to €123k.
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Lokeren · 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.
Stanislas Cockstraat 139160 LokerenGround area
578 m²
Building footprint
134 m²
Volume, LiDAR
665 m³
Parcel 46382B0545/00D000, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Consarto
since 20162.259.749.216
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46382B0545/00D000 | Flanders | 578 m² | 1 · 134 m² | 7.6 m · 2 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.
Similar companies · same sector, comparable size
Lume Solutions
BE 0633.524.024
Lokeren · Eq €165k
YUNA
BE 0770.292.044
Diepenbeek · Eq €165k
72 Consulting
BE 0693.777.553
Grimbergen · Eq €165k
LEVIEN DEHERTOGH
BE 0550.617.728
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AERYPTON
BE 0871.268.153
Oostkamp · Eq €166k
Of 29,992 companies in sector 62200 we hold annual accounts for 18,386. 15,229 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-12-2016
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.