CONSEIL4YOU
ActiveThe computed 12-month bankruptcy probability of CONSEIL4YOU is 3.6% (moderate). For CONSEIL4YOU, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €30k and a net result of €6k. Equity is growing by ~32.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 18011 sector peers (fiscal year 2023). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability89▲+89
Solvency100=
Growth52▲+17
Track record100
Bankruptcy probability, 12 months
3.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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 2023Solvency, return and age of the figures
Solvency
86.9%
Return on assets
16.4%
Age of the figures
33 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
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline22-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 15-04-2026, 623 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
623 d late
2022
61 d late
2020
48 d late
2019
280 d late
2018
30 d late
← before the deadline
after the deadline →
Financials · fiscal year 2023, micro schema
Turnover
€68k▼ 31.6%
2019 · €100k
2019: €100k
2019 → 2020
EBIT margin
5.3%▲ 3.9pp
2019 · 1.4%
2019: 1.4%
2019 → 2020
Net result
€6k
2022 · €-5k
2019: €1k
2020: €4k
2022: €-5k
2019 → 2023
Working capital
€24k▲ 42.5%
2022 · €17k
2019: €6k
2020: €8k
2022: €17k
2019 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20182019202020222023Trend
Turnover€100k€68k▼ 31.6%
Equity€6k-€11k▲ 70.1%€14k▲ 34.0%€24k▲ 70.0%€30k▲ 23.3%
Operating result€1k€4k▲ 160%€-5k€7k
Net result€1k€4k▲ 164%€-5k€6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2023: €7k after a loss of €5k in 2022, the highest result in the available series.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €34k
Fixed assets
€6k▼ 21.3%
Current assets
€28k▲ 63.8%
Equity and liabilities €34k
Equity
€30k▲ 23.3%
Debt
€4k▲ 730%
The debt ratio rises from 2.2% to 13.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€9k▲
2022 · €-3k
Cash flow
€8k▲
2022 · €-4k
Solvency
86.9%▼
2022 · 97.8%
Current ratio
6.36▼
2022 · 32.22
Quick ratio
6.36▼
2022 · 32.22
Debt / equity
0.15▲
2022 · 0.02
ROE
18.9%▲
2022 · -21.8%
ROA
16.4%▲
2022 · -21.4%
Interest coverage
37.75▲
2022 · -28.53
Debt
€4k▲
2022 · €538
Debt ≤ 1 year
€4k▲
2022 · €538
Income taxes
€1k
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 · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€25k€34k▲
Fixed assets21/28€7k€6k▼
Tangible fixed assets22/27€7k€6k▼
Plant, machinery and equipment23€2k€2k▲
Furniture and vehicles24€697-
Other tangible fixed assets26€4k€3k▼
Financial fixed assets28€90€90=
Current assets29/58€17k€28k▲
Amounts receivable within one year40/41€3k€13k▲
Trade receivables40€1k€13k▲
Other amounts receivable41€1k€45▼
Cash at bank and in hand54/58€14k€15k▲
Deferred charges and accrued income490/1€357€31▼
Equity and liabilities
Total equity and liabilities10/49€25k€34k▲
Equity10/15€24k€30k▲
Contributions10/11€14k€14k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€8k€13k▲
Amounts payable17/49€538€4k▲
Amounts payable within one year42/48€538€4k▲
Trade debts44€538€2k▲
Suppliers440/4€538€2k▲
Taxes, remuneration and social security45-€2k
Taxes450/3-€2k
Other amounts payable47/48-€263
Income statement
Code20222023
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€4k€4k▼
Gross operating margin9900€628€13k▲
Operating profit (loss)9901€-5k€7k▲
Financial charges65/66B€120€246▲
Recurring financial charges65€120€246▲
Profit (loss) for the period before taxes9903€-5k€7k▲
Income taxes67/77-€1k
Profit (loss) for the period9904€-5k€6k▲
Profit (loss) for the period to be appropriated9905€-5k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€13k▲
Profit (loss) brought forward from the previous period14P€13k€8k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
15-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 623 days late
2023
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
31-12
Financial
Weakest financial yearnet €-5k ▼246%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 10current ratio 32.22
Current ratio from 3.24 to 32.22; short-term debt falls from €4k to €538.
2021
17-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 48 days late
07-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 280 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 3.24
Current ratio from 1.29 to 3.24; short-term debt falls from €21k to €4k.
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2016
24-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 24 days late
2014
10-06
NBB filing
Annual accounts filed
fiscal year 2013 · full schema
2013
30-08
NBB filing
Annual accounts filed
fiscal year 2012 · full schema · 30 days late
2012
30-08
NBB filing
Annual accounts filed
fiscal year 2011 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
11 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, Sint-Gillis (bij-Brussel) · 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.
Emile Feronstraat 1091060 Sint-Gillis (bij-Brussel)Ground area
83 m²
Building footprint
83 m²
Volume, LiDAR
1,344 m³
Parcel 21562A0326/00W002, Brussels · tallest building 18.8 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Makedonia
since 20092.175.882.521
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21562A0326/00W002 | Brussels | 83 m² | 1 · 83 m² | 18.8 m · 6 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Gillis2.175.882.521
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 8,384 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-12-2008
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
47120Other non-specialised retail sale
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:jbm.compta@gmail.com
Phone:0487363058