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Consuetudo

Active
Private limited companyfounded 20242 yrs activeVlasmarkt 1, 3700 Tongeren-Borgloon, BelgiumKBO/BCE: BE 1013.257.050
Summary

Consuetudo has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6,988 and a net result of €988. Its solvency ranks better than 39% of 17601 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).

Checked score

Score 2025
Axes
Profitability77
Solvency72
Growth-
Track record67
Bankruptcy probability, 12 months
0.5% Low
0%0.5%1.5%4%10%≥ 25%
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Signals

Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-09-2026, 50 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 · 1 filing
Deviation from the deadline
2025
50 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 6 September 2024, Consuetudo was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€6,988
Total assets
€14,852
Net result
€988
Working capital
€2,580

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €14,852
Fixed assets €4,408
Current assets €10,444
Equity and liabilities €14,852
Equity €6,988
Debt €7,864
Debt finances 53.0% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€3,277
Cash flow
€1,886
Current ratio
1.33
Debt to equity
1.13
ROE
14.1%
ROA
6.6%
Interest coverage
207.70
Debt ≤ 1 year
€7,864
Income taxes
€1,376

Peer companies

Historical observation

Of the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.8% went bankrupt
2.3% stopped otherwise
96% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 39,278 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 30 lines
Balance sheet Code2025
Assets
Total assets20/58€14,852
Fixed assets21/28€4,408
Tangible fixed assets22/27€4,408
Plant, machinery and equipment23€3,527
Furniture and vehicles24€880
Current assets29/58€10,444
Amounts receivable within one year40/41€10,403
Trade receivables40€0
Other amounts receivable41€10,403
Cash at bank and in hand54/58€41
Equity and liabilities
Total equity and liabilities10/49€14,852
Equity10/15€6,988
Contributions10/11€6,000
Profit (loss) carried forward14€988
Amounts payable17/49€7,864
Amounts payable within one year42/48€7,864
Trade debts44€330
Suppliers440/4€330
Taxes, remuneration and social security45€7,534
Taxes450/3€7,534
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€898
Gross operating margin9900€3,277
Operating profit (loss)9901€2,379
Financial charges65/66B€16
Recurring financial charges65€16
Profit (loss) for the period before taxes9903€2,364
Income taxes67/77€1,376
Profit (loss) for the period9904€988
Profit (loss) for the period to be appropriated9905€988
Appropriation of the result
Profit (loss) to be appropriated9906€988

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€898
Gross operating margin9900€3,277
Operating profit (loss)9901€2,379
Financial charges65/66B€16
Recurring financial charges65€16
Profit (loss) for the period before taxes9903€2,364
Income taxes67/77€1,376
Profit (loss) for the period9904€988
Profit (loss) for the period to be appropriated9905€988
Line2025
Assets
Total assets20/58€14,852
Fixed assets21/28€4,408
Tangible fixed assets22/27€4,408
Plant, machinery and equipment23€3,527
Furniture and vehicles24€880
Current assets29/58€10,444
Amounts receivable within one year40/41€10,403
Trade receivables40€0
Other amounts receivable41€10,403
Cash at bank and in hand54/58€41
Equity and liabilities
Total equity and liabilities10/49€14,852
Equity10/15€6,988
Contributions10/11€6,000
Profit (loss) carried forward14€988
Amounts payable17/49€7,864
Amounts payable within one year42/48€7,864
Trade debts44€330
Suppliers440/4€330
Taxes, remuneration and social security45€7,534
Taxes450/3€7,534
Line2025
Profit (loss) for the period9904€988
+ Depreciation and write-downs630€898
Operating cash flow (approximation)€1,886

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
19-09
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 50 days late
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Tongeren-Borgloon · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
523 m²
Building footprint
304 m²
Volume, LiDAR
3,110 m³
Parcel 73083C1076/00A000, Flanders · tallest building 16.7 m, ±3 floors. Linked by address, not a title deed.
3 companies at this address See who is registered here
1 establishment unit
Consuetudo
Vlasmarkt 1, 3700 Tongeren-BorgloonIT consultancy
since 20242.364.285.225
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
73083C1076/00A000
ProtectedArchaeological siteBasiliek Onze-Lieve-Vrouw met omgevingSource ↗
Flanders 523 m² 1 · 303 m² 16.7 m · 3 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.

Similar companies · same sector, comparable size

Of 29,996 companies in this sector we hold annual accounts for 18,400. 7,651 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company details

Identification
Legal formPrivate limited company
Founded06-09-2024
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID 0208:1013257050
Also 9925:BE1013257050
Registered 01-04-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 1 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.