CONSULACE 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 €250k and a net result of €279k. Equity is growing by ~16.1% per year across the filed fiscal years. Its solvency ranks better than 29% of 5511 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-09-2026, 46 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
46 d late
2024
59 d late
2023
31 d late
2022
77 d late
2021
31 d late
2020
29 d late
2019
107 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€250k▼ 2.4%
2024 · €257k
2018: €87k
2019: €154k
2020: €127k
2021: €103k
2022: €161k
2023: €261k
2024: €257k
2018 → 2025
Net result
€279k▼ 1.9%
2024 · €284k
2018: €7k
2019: €67k
2020: €86k
2021: €101k
2022: €133k
2023: €180k
2024: €284k
2018 → 2025
Total assets
€867k▲ 10.7%
2024 · €783k
2018: €320k
2019: €174k
2020: €242k
2021: €275k
2022: €396k
2023: €576k
2024: €783k
2018 → 2025
Solvency
28.9%▼ 3.9pp
2024 · 32.8%
2018: 27.3%
2019: 88.6%
2020: 52.6%
2021: 37.5%
2022: 40.6%
2023: 45.2%
2024: 32.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€103k-€161k▲ 55.9%€261k▲ 62.1%€257k▼ 1.5%€250k▼ 2.4%
Operating result€111k-€171k▲ 54.0%€213k▲ 24.1%€289k▲ 35.6%€274k▼ 5.1%
Net result€101k-€133k▲ 31.7%€180k▲ 35.6%€284k▲ 57.9%€279k▼ 1.9%
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 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €867k
Fixed assets
€6k▼ 39.2%
Current assets
€861k▲ 11.3%
Equity and liabilities €867k
Equity
€250k▼ 2.4%
Debt
€616k▲ 17.1%
The debt ratio rises from 67.2% to 71.1%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
28.9%▼
2024 · 32.8%
ROE
111.3%▲
2024 · 110.6%
ROA
32.1%▼
2024 · 36.3%
Debt
€616k▲
2024 · €527k
Debt ≤ 1 year
€601k▲
2024 · €514k
Income taxes
€13k▼
2024 · €20k
Staff costs
€0
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€783k€867k▲
Fixed assets21/28€10k€6k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€10k€6k▼
Plant, machinery and equipment23€1k€190▼
Furniture and vehicles24€8k€6k▼
Current assets29/58€774k€861k▲
Amounts receivable within one year40/41€381k€451k▲
Trade receivables40€247k€196k▼
Other amounts receivable41€134k€255k▲
Current investments50/53€342k€352k▲
Cash at bank and in hand54/58€47k€54k▲
Deferred charges and accrued income490/1€5k€5k=
Equity and liabilities
Total equity and liabilities10/49€783k€867k▲
Equity10/15€257k€250k▼
Contributions10/11€20k€20k=
Capital10€20k€20k=
Issued capital100€20k€20k=
Reserves13€236k€230k▼
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Tax-exempt reserves132€177k€122k▼
Distributable reserves133€57k€106k▲
Profit (loss) carried forward14€566€18▼
Amounts payable17/49€527k€616k▲
Amounts payable within one year42/48€514k€601k▲
Trade debts44€2k€6k▲
Suppliers440/4€2k€6k▲
Taxes, remuneration and social security45€39k€39k▲
Taxes450/3€39k€39k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€473k€556k▲
Accrued charges and deferred income492/3€13k€15k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€0
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▼
Other operating charges640/8-€126
Gross operating margin9900€292k€278k▼
Operating profit (loss)9901€289k€274k▼
Financial income75/76B€28k€32k▲
Recurring financial income75€28k€32k▲
Financial charges65/66B€13k€14k▲
Recurring financial charges65€13k€14k▲
Profit (loss) for the period before taxes9903€304k€292k▼
Income taxes67/77€20k€13k▼
Profit (loss) for the period9904€284k€279k▼
Transfer from tax-exempt reserves789-€0
Profit (loss) for the period to be appropriated9905€284k€279k▼
Appropriation of the result
Profit (loss) to be appropriated9906€289k€279k▼
Profit (loss) brought forward from the previous period14P€5k€566▼
Transfer from equity791/2-€55k
Transfer to equity691/2-€49k
To other reserves6921-€49k
Profit to be distributed694/7€288k€285k▼
Return on contributions (dividend)694€100k€40k▼
Directors or managers695€188k€245k▲
The notes to these accounts (3 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
15-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 46 days late
2025
28-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 59 days late
2024
31-12
Financial
Highest result since 2018net €284k ▲57.9%
Operating result €289k, net result €284k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Equity above €200kEq €261k ▲62.1%
6 profitable years in a row build equity to €261k.
16-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 77 days late
2022
31-12
Financial
Equity above €150kEq €161k ▲55.9%
5 profitable years in a row build equity to €161k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
29-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 29 days late
2020
15-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 107 days late
2019
31-12
Financial
Liquidity times 6current ratio 8.77
Current ratio from 1.38 to 8.77; short-term debt falls from €231k to €20k.
31-12
Financial
Equity above €150kEq €154k ▲77%
2 profitable years in a row build equity to €154k.
28-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 59 days late
2018
19-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 19 days late
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Jabbeke · 1 establishment unit since 2014
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.
Oude Bruggeweg 28490 JabbekeGround area
2,473 m²
Building footprint
180 m²
Volume, LiDAR
657 m³
Parcel 31031B0169/00F000, Flanders · tallest building 7.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CONSULACE
since 20142.227.605.790
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31031B0169/00F000 | Flanders | 2,473 m² | 1 · 180 m² | 7.8 m · 1 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 13,651 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-02-2014
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.