CONSILO IMMO
ActiveCONSILO IMMO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €92k and a net result of €23k. Equity is growing by ~9.8% per year across the filed fiscal years. Its solvency ranks better than 30% of 2409 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 8 filingsDeviation from the deadline
2025
31 d late
2024
3 d early
2023
5 d early
2022
13 d early
2021
172 d early
2020
99 d early
2019
62 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€92k▲ 32.7%
2024 · €70k
2018: €30k
2019: €51k
2020: €63k
2021: €63k
2022: €67k
2023: €44k
2024: €70k
2018 → 2025
Net result
€23k▼ 58.8%
2024 · €55k
2018: €10k
2019: €26k
2020: €60k
2021: €56k
2022: €24k
2023: €-22k
2024: €55k
2018 → 2025
Total assets
€353k▼ 11.9%
2024 · €401k
2018: €50k
2019: €479k
2020: €542k
2021: €495k
2022: €447k
2023: €387k
2024: €401k
2018 → 2025
Solvency
26.1%▲ 8.8pp
2024 · 17.3%
2018: 60.9%
2019: 10.6%
2020: 11.6%
2021: 12.7%
2022: 14.9%
2023: 11.5%
2024: 17.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€63k-€67k▲ 5.8%€44k▼ 33.4%€70k▲ 57.0%€92k▲ 32.7%
Operating result€64k-€33k▼ 47.6%€-15k€66k€36k▼ 44.6%
Net result€56k-€24k▼ 57.8%€-22k€55k€23k▼ 58.8%
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 falls in 2025; 2025 is 45% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €353k
Fixed assets
€287k▼ 8.9%
Current assets
€67k▼ 22.6%
Equity and liabilities €353k
Equity
€92k▲ 32.7%
Debt
€261k▼ 21.2%
The debt ratio falls from 82.7% to 73.9%: equity grows while debt is paid down.
Key figures and ratios
Solvency
26.1%▲
2024 · 17.3%
ROE
24.6%▼
2024 · 79.5%
ROA
6.4%▼
2024 · 13.8%
Debt
€261k▼
2024 · €331k
Debt ≤ 1 year
€50k▼
2024 · €77k
Debt > 1 year
€211k▼
2024 · €254k
Income taxes
€10k▲
2024 · €3k
Staff costs
€83k▲
2024 · €59k
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€401k€353k▼
Fixed assets21/28€315k€287k▼
Tangible fixed assets22/27€315k€287k▼
Land and buildings22€314k€287k▼
Plant, machinery and equipment23€64-
Furniture and vehicles24€382-
Current assets29/58€86k€67k▼
Amounts receivable within one year40/41€42k€21k▼
Trade receivables40€42k€21k▼
Cash at bank and in hand54/58€44k€25k▼
Deferred charges and accrued income490/1€150€20k▲
Equity and liabilities
Total equity and liabilities10/49€401k€353k▼
Equity10/15€70k€92k▲
Contributions10/11€22k€22k=
Reserves13€48k€70k▲
Distributable reserves133€48k€70k▲
Amounts payable17/49€331k€261k▼
Amounts payable after more than one year17€254k€211k▼
Financial debts170/4€254k€211k▼
Amounts payable within one year42/48€77k€50k▼
Current portion of amounts payable after more than one year42€23k€23k▲
Trade debts44€11k€3k▼
Suppliers440/4€11k€3k▼
Taxes, remuneration and social security45€11k€23k▲
Taxes450/3€4k€10k▲
Remuneration and social security454/9€7k€12k▲
Other amounts payable47/48€32k€760▼
Income statement
Code20242025
Non-recurring operating income76A€312-
Remuneration, social security and pensions62€59k€83k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€28k▼
Other operating charges640/8€18k€17k▼
Gross operating margin9900€174k€164k▼
Operating profit (loss)9901€66k€36k▼
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€7k€4k▼
Recurring financial charges65€7k€4k▼
Profit (loss) for the period before taxes9903€58k€32k▼
Income taxes67/77€3k€10k▲
Profit (loss) for the period9904€55k€23k▼
Profit (loss) for the period to be appropriated9905€55k€23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€33k€23k▼
Profit (loss) brought forward from the previous period14P€-22k-
Transfer to equity691/2€3k€23k▲
To other reserves6921€3k€23k▲
Profit to be distributed694/7€30k-
Directors or managers695€30k-
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
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €55k
Net result €55k after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-22k ▼194%
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
23-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €60k ▲129%
Operating result €68k, net result €60k, both a record.
30-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
29-12-2025
Brufin: Resigned as Director
29-12-2025
FINTOP: Resigned as Director
Location & real-estate footprint
Registered office, Hoogstraten · 1 establishment unit since 2017
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.
Vrijheid 34a2320 HoogstratenGround area
236 m²
Parcel 13014E0010/00E003, Flanders. Linked by address, not a title deed.
1 establishment unit
CONSILO MEER
since 20172.263.492.822
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13014E0010/00E003 | Flanders | 236 m² | - | - |
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 1,681 companies in sector 66191 we hold annual accounts for 1,230. 1,039 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-01-2017
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.