Consulo
ActiveConsulo has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €283k and a net result of €125k. Equity is growing by ~67.2% per year across the filed fiscal years. Its solvency ranks better than 67% of 8657 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency96▲+15
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 1.56 against 2.01 in 2024; short-term debt: 29.2% and cash: 33.8% of total assets), and 29.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
70.8%
Return on assets
31.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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 · 3 filingsDeviation from the deadline
2025
19 d late
2024
123 d late
2023
61 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€283k▲ 79.0%
2024 · €158k
2023: €70k
2024: €158k
2023 → 2025
Total assets
€399k▲ 41.7%
2024 · €282k
2023: €169k
2024: €282k
2023 → 2025
Net result
€125k▲ 42.7%
2024 · €87k
2023: €50k
2024: €87k
2023 → 2025
Working capital
€65k▼ 47.8%
2024 · €125k
2023: €29k
2024: €125k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€70k-€158k▲ 124%€283k▲ 79.0%
Operating result€68k-€118k▲ 74.2%€189k▲ 59.7%
Net result€50k-€87k▲ 73.3%€125k▲ 42.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 60% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €399k
Fixed assets
€218k▲ 552%
Current assets
€182k▼ 26.9%
Equity and liabilities €399k
Equity
€283k▲ 79.0%
Debt
€117k▼ 5.9%
The debt ratio falls from 43.9% to 29.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€205k▲
2024 · €128k
Cash flow
€141k▲
2024 · €97k
Solvency
70.8%▲
2024 · 56.1%
Current ratio
1.56▼
2024 · 2.01
Quick ratio
1.56▼
2024 · 2.01
Debt / equity
0.41▼
2024 · 0.78
ROE
44.1%▼
2024 · 55.4%
ROA
31.3%▲
2024 · 31.0%
Interest coverage
334.35▲
2024 · 172.19
Debt
€117k▼
2024 · €124k
Debt ≤ 1 year
€117k▼
2024 · €124k
Income taxes
€44k▲
2024 · €30k
Staff costs
€348k▼
2024 · €404k
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€282k€399k▲
Fixed assets21/28€33k€218k▲
Tangible fixed assets22/27€33k€218k▲
Land and buildings22-€194k
Plant, machinery and equipment23€971€731▼
Furniture and vehicles24€32k€23k▼
Current assets29/58€248k€182k▼
Amounts receivable within one year40/41€83k€42k▼
Trade receivables40€73k€32k▼
Other amounts receivable41€10k€10k=
Cash at bank and in hand54/58€164k€135k▼
Deferred charges and accrued income490/1€721€5k▲
Equity and liabilities
Total equity and liabilities10/49€282k€399k▲
Equity10/15€158k€283k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€138k€263k▲
Amounts payable17/49€124k€117k▼
Amounts payable within one year42/48€124k€117k▼
Trade debts44€12k€6k▼
Suppliers440/4€12k€6k▼
Taxes, remuneration and social security45€29k€38k▲
Taxes450/3€11k€24k▲
Remuneration and social security454/9€18k€14k▼
Other amounts payable47/48€82k€72k▼
Income statement
Code20242025
Remuneration, social security and pensions62€404k€348k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€16k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€533k€553k▲
Operating profit (loss)9901€118k€189k▲
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€741€21k▲
Recurring financial charges65€741€612▼
Non-recurring financial charges66B-€20k
Profit (loss) for the period before taxes9903€118k€168k▲
Income taxes67/77€30k€44k▲
Profit (loss) for the period9904€87k€125k▲
Profit (loss) for the period to be appropriated9905€87k€125k▲
Appropriation of the result
Profit (loss) to be appropriated9906€138k€263k▲
Profit (loss) brought forward from the previous period14P€50k€138k▲
Social balance
Average headcount (FTE)90876.86.3▼
The notes to these accounts (10 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 19 days late
2025
31-12
Financial
Highest result since 2023net €125k ▲42.7%
Operating result €189k, net result €125k, both a record.
31-12
Financial
Equity above €200kEq €283k ▲79%
3 profitable years in a row build equity to €283k.
01-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 123 days late
2024
31-12
Financial
Equity above €150kEq €158k ▲124%
2 profitable years in a row build equity to €158k.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Hasselt · 1 establishment unit since 2023
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.
Herkkantstraat 1773510 HasseltGround area
4,253 m²
Building footprint
213 m²
Volume, LiDAR
1,867 m³
Parcel 71054B0325/00G000, Flanders · tallest building 14.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Consulo
since 20232.345.053.489
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71054B0325/00G000 | Flanders | 4,253 m² | 1 · 213 m² | 14.4 m · 4 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 9,200 EUR awarded · 9,200 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 5,995 EUR | 5,995 EUR |
| 2024 | 1 | 3,205 EUR | 3,205 EUR |
Schemes
Individueel Maatwerk
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STUDIO ZURRICH
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 38,435 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-05-2023
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
82300Organisation of conventions and trade shows
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.