Conseco
ActiveConseco has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €279k and a net result of €32k. Equity is growing by ~28% per year across the filed fiscal years. Its solvency ranks better than 86% of 1977 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▼-38
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 5.04 against 3.68 in 2024), and 19.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 71
Relative position
BE, all sectors
reference
Sector 71
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
80.2%
Return on assets
9.2%
Age of the figures
8 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
62 d late
2023
12 d late
2022
65 d late
2021
52 d late
2020
33 d early
2019
21 d early
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€279k▲ 12.9%
2024 · €247k
2018: €57k
2019: €64k
2020: €79k
2021: €101k
2022: €159k
2023: €200k
2024: €247k
2018 → 2025
Total assets
€348k▲ 2.6%
2024 · €339k
2018: €91k
2019: €82k
2020: €112k
2021: €119k
2022: €197k
2023: €340k
2024: €339k
2018 → 2025
Net result
€32k▼ 32.3%
2024 · €47k
2018: €-17k
2019: €7k
2020: €15k
2021: €22k
2022: €58k
2023: €41k
2024: €47k
2018 → 2025
Working capital
€278k▲ 13.0%
2024 · €246k
2018: €56k
2019: €62k
2020: €78k
2021: €100k
2022: €157k
2023: €198k
2024: €246k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€101k-€159k▲ 57.1%€200k▲ 26.1%€247k▲ 23.5%€279k▲ 12.9%
Operating result€23k-€58k▲ 156%€79k▲ 35.4%€62k▼ 21.4%€37k▼ 39.3%
Net result€22k-€58k▲ 160%€41k▼ 28.2%€47k▲ 13.7%€32k▼ 32.3%
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 has fallen two years in a row; 2025 is 39% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €348k
Fixed assets
€2k▼ 7.2%
Current assets
€346k▲ 2.7%
Equity and liabilities €348k
Equity
€279k▲ 12.9%
Debt
€69k▼ 25.1%
The debt ratio falls from 27.1% to 19.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€38k▼
2024 · €62k
Cash flow
€32k▼
2024 · €47k
Solvency
80.2%▲
2024 · 72.9%
Current ratio
5.04▲
2024 · 3.68
Quick ratio
5.04▲
2024 · 3.68
Debt / equity
0.25▼
2024 · 0.37
ROE
11.4%▼
2024 · 19.1%
ROA
9.2%▼
2024 · 13.9%
Interest coverage
37.99▼
2024 · 105.53
Debt
€69k▼
2024 · €92k
Debt ≤ 1 year
€69k▼
2024 · €92k
Income taxes
€11k▼
2024 · €16k
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€339k€348k▲
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€397€278▼
Other tangible fixed assets26€397€278▼
Financial fixed assets28€1k€1k=
Current assets29/58€337k€346k▲
Amounts receivable within one year40/41€250k€257k▲
Trade receivables40€48k€31k▼
Other amounts receivable41€202k€226k▲
Cash at bank and in hand54/58€87k€88k▲
Deferred charges and accrued income490/1€575€935▲
Equity and liabilities
Total equity and liabilities10/49€339k€348k▲
Equity10/15€247k€279k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€227k€259k▲
Amounts payable17/49€92k€69k▼
Amounts payable within one year42/48€92k€69k▼
Trade debts44€75k€69k▼
Suppliers440/4€75k€69k▼
Taxes, remuneration and social security45€17k€84▼
Taxes450/3€17k€84▼
Income statement
Code20242025
Non-recurring operating income76A-€23
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€118€119▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-13k€8k▲
Other operating charges640/8€6k€2k▼
Gross operating margin9900€55k€47k▼
Operating profit (loss)9901€62k€37k▼
Financial income75/76B€2k€6k▲
Recurring financial income75€2k€6k▲
Financial charges65/66B€586€989▲
Recurring financial charges65€586€989▲
Profit (loss) for the period before taxes9903€63k€43k▼
Income taxes67/77€16k€11k▼
Profit (loss) for the period9904€47k€32k▼
Profit (loss) for the period to be appropriated9905€47k€32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€227k€259k▲
Profit (loss) brought forward from the previous period14P€180k€227k▲
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (8 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
02-09
State Gazette act
General meeting · Director appointmentGeneral meeting · Director appointment · Director resignation3 facts ▸
State Gazette act
General meeting · Director appointment
General meeting · Director appointment · Director resignation3 facts ▸
- General meeting, 2026-08-14
- Director appointment, Erik De Vos (bestuurder)
- Director resignation, Britt Schuurs (bestuurder)
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
01-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 62 days late
2024
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
31-12
Financial
Equity above €200kEq €200k ▲26.1%
5 profitable years in a row build equity to €200k.
04-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 65 days late
2022
31-12
Financial
Highest result since 2018net €58k ▲160%
Net result €58k, the highest in the series.
31-12
Financial
Equity above €150kEq €159k ▲57.1%
4 profitable years in a row build equity to €159k.
21-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 52 days late
2021
31-12
Financial
Equity above €100kEq €101k ▲28.2%
3 profitable years in a row build equity to €101k.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
13-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 directors, no change since 2026
Erik De Vos
CurrentDirector · since 01-05-2026
14-08-2026
Britt Schuurs: Resigned as Director
01-05-2026
Erik De Vos: Appointed as Director
01-06-2025
CTC-Invest BV: Resigned as Director
01-10-2021
CTC-Invest: Resigned as Director
01-10-2021
Guido Croes: Resigned as Director
01-10-2021
Lucas Chabot: Resigned as Director
01-10-2021
Maaike Vydt BV: Resigned as Director
08-07-2020
JUR: Resigned as Director
Location & real-estate footprint
Registered office, Sint-Niklaas · 1 establishment unit since 2009
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.
Lavendelstraat 519100 Sint-NiklaasGround area
3,468 m²
Building footprint
983 m²
Volume, LiDAR
14,456 m³
2 parcels, Flanders · tallest building 20.1 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Nachtegalenlaan 9, 9100 Sint-Niklaas
since 20092.176.330.008
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46021A0759/00L000 | Flanders | 2,430 m² | 1 · 859 m² | 20.1 m · 5 fl. |
| 46021A0228/00Y000 | Flanders | 1,037 m² | 1 · 124 m² | 9.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
HB Pro
BE 0419.739.784
De Haan · Eq €279k
AMARES
BE 0888.425.473
Ottignies-Louvain-la-Neuve · Eq €279k
W.B. DESIGN OFFICE
BE 0467.064.896
Fontaine-l'Evêque · Eq €280k
ADVEYES
BE 0449.609.846
Antwerpen · Eq €279k
Agence Prévention et Sécurité
BE 0427.472.961
Marche-en-Famenne · Eq €280k
Of 11,505 companies in sector 71121 we hold annual accounts for 6,524. 4,897 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-02-2009
Fiscal year end31-12
Activities, NACEBEL
71121Engineering and related technical consultancy, excluding land surveyors
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.