CONSEM
ActiveCONSEM has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €235k and a net result of €68k. Equity is growing by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 79% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (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
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 5.06 against 4.17 in 2024), and 17.8% 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 70
Relative position
BE, all sectors
reference
Sector 70
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
82.2%
Return on assets
23.6%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 07-01-2026, 113 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
113 d early
2024
5 d late
2023
on the day
2022
2 d early
2021
1 d early
2020
32 d early
2019
31 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€235k▲ 29.1%
2024 · €182k
2018: €135k
2019: €194k
2020: €210k
2021: €502k
2022: €56k
2023: €102k
2024: €182k
2018 → 2025
Total assets
€286k▲ 24.3%
2024 · €230k
2018: €580k
2019: €559k
2020: €540k
2021: €574k
2022: €110k
2023: €168k
2024: €230k
2018 → 2025
Net result
€68k▼ 17.3%
2024 · €82k
2018: €46k
2019: €59k
2020: €16k
2021: €294k
2022: €26k
2023: €48k
2024: €82k
2018 → 2025
Working capital
€207k▲ 36.5%
2024 · €151k
2018: €-78k
2019: €-98k
2020: €-95k
2021: €504k
2022: €58k
2023: €87k
2024: €151k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€502k-€56k▼ 88.8%€102k▲ 81.4%€182k▲ 78.3%€235k▲ 29.1%
Operating result€48k-€40k▼ 16.3%€75k▲ 86.2%€125k▲ 65.9%€104k▼ 16.8%
Net result€294k-€26k▼ 91.2%€48k▲ 83.1%€82k▲ 71.9%€68k▼ 17.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €286k
Fixed assets
€29k▼ 8.0%
Current assets
€258k▲ 29.4%
Equity and liabilities €286k
Equity
€235k▲ 29.1%
Debt
€51k▲ 5.8%
The debt ratio falls from 20.9% to 17.8%: equity grows faster than debt.
Key figures and ratios
EBITDA
€111k▼
2024 · €130k
Cash flow
€74k▼
2024 · €87k
Solvency
82.2%▲
2024 · 79.1%
Current ratio
5.06▲
2024 · 4.17
Quick ratio
5.06▲
2024 · 4.17
Debt / equity
0.22▼
2024 · 0.26
ROE
28.7%▼
2024 · 44.8%
ROA
23.6%▼
2024 · 35.5%
Interest coverage
25.93▼
2024 · 29.23
Debt
€51k▲
2024 · €48k
Debt ≤ 1 year
€51k▲
2024 · €48k
Income taxes
€33k▼
2024 · €40k
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€230k€286k▲
Fixed assets21/28€31k€29k▼
Tangible fixed assets22/27€31k€29k▼
Plant, machinery and equipment23€3k€1k▼
Furniture and vehicles24€13k€9k▼
Other tangible fixed assets26€15k€18k▲
Current assets29/58€199k€258k▲
Amounts receivable within one year40/41€16k€13k▼
Trade receivables40€16k€13k▼
Other amounts receivable41-€4
Current investments50/53€125k€100k▼
Cash at bank and in hand54/58€55k€142k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€230k€286k▲
Equity10/15€182k€235k▲
Contributions10/11€19k€19k=
Reserves13€163k€217k▲
Distributable reserves133€163k€217k▲
Profit (loss) carried forward14€1k€0▼
Amounts payable17/49€48k€51k▲
Amounts payable within one year42/48€48k€51k▲
Financial debts43-€43
Credit institutions430/8-€43
Trade debts44€425€1k▲
Suppliers440/4€425€1k▲
Taxes, remuneration and social security45€15k€9k▼
Taxes450/3€15k€9k▼
Other amounts payable47/48€33k€41k▲
Accrued charges and deferred income492/3€372€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲
Other operating charges640/8€963€1k▲
Gross operating margin9900€131k€112k▼
Operating profit (loss)9901€125k€104k▼
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€121k€101k▼
Income taxes67/77€40k€33k▼
Profit (loss) for the period9904€82k€68k▼
Profit (loss) for the period to be appropriated9905€82k€68k▼
Appropriation of the result
Profit (loss) to be appropriated9906€82k€69k▼
Profit (loss) brought forward from the previous period14P-€1k
Transfer from equity791/2-€12k
Transfer to equity691/2€79k€66k▼
To other reserves6921€79k€66k▼
Profit to be distributed694/7€2k€14k▲
Return on contributions (dividend)694€2k€14k▲
The notes to these accounts (5 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
07-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Equity above €200kEq €235k ▲29.1%
8 profitable years in a row build equity to €235k.
05-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
2024
30-09
Financial
Equity above €150kEq €182k ▲78.3%
7 profitable years in a row build equity to €182k.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €100kEq €102k ▲81.4%
6 profitable years in a row build equity to €102k.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Highest result since 2018net €294k ▲1706%
Net result €294k, the highest in the series.
30-09
Financial
Liquidity times 33current ratio 8.20
Current ratio from 0.25 to 8.20; short-term debt falls from €126k to €70k.
30-09
Financial
Equity above €500kEq €502k ▲139%
4 profitable years in a row build equity to €502k.
29-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €16k ▼72.3%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
30-09
Financial
Equity above €200kEq €210k ▲8.4%
3 profitable years in a row build equity to €210k.
30-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Equity above €150kEq €194k ▲43.3%
2 profitable years in a row build equity to €194k.
21-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated 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, Dendermonde · 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.
Schoonaardebaan (SCH) 639200 DendermondeGround area
682 m²
Building footprint
173 m²
Volume, LiDAR
1,402 m³
Parcel 42019A0100/00K000, Flanders · tallest building 12.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CONSEM
since 20162.252.013.168
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42019A0100/00K000 | Flanders | 682 m² | 1 · 173 m² | 12.2 m · 3 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 82,218 companies in sector 70200 we hold annual accounts for 52,393. 39,033 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-02-2016
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.