Summary
CONSULT + 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 €375,674 and a net result of €139,003. Equity is growing by ~78.4% per year across the filed fiscal years. Its solvency ranks better than 88% of 2460 sector peers (fiscal year 2025). The company has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
54 d late
2023
68 d late
2022
59 d late
2021
77 d late
2020
21 d late
2019
24 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 40 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€375,674▲ 58.7%
2024 · €236,672
Net result
€139,003▲ 50.9%
2024 · €92,126
Total assets
€421,759▼ 0.4%
2024 · €423,482
Solvency
89.1%▲ 33.2pp
2024 · 55.9%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€101,588▲ 532%€102,755▲ 1.1%€78,872▼ 23.2%€131,933▲ 67.3%€181,585▲ 37.6%
Net result€79,228▲ 595%€73,621▼ 7.1%€55,380▼ 24.8%€92,126▲ 66.4%€139,003above the sector's middle half▲ 50.9%
Equity€15,545▲ 14.6%€89,166▲ 474%€144,545▲ 62.1%€236,672▲ 63.7%€375,674above the sector's middle half▲ 58.7%
Total assets€123,350▲ 235%€126,521▲ 2.6%€169,116▲ 33.7%€423,482▲ 150%€421,759within the sector's middle half▼ 0.4%
Debt€107,805▲ 364%€37,355▼ 65.3%€24,570▼ 34.2%€186,811▲ 660%€46,084▼ 75.3%
Working capital€6,978▲ 55.1%€82,151▲ 1,077%€138,919▲ 69.1%-€47,092€153,718
Solvency12.6%▼ 24.3pp70.5%▲ 57.9pp85.5%▲ 15.0pp55.9%▼ 29.6pp89.1%above the sector's middle half▲ 33.2pp
Staff (FTE)1▲ 400%0.31▲ 233%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 38% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €421,759
Fixed assets
€221,956 ▼ 21.8%
Current assets
€199,803 ▲ 43.0%
Equity and liabilities €421,759
Equity
€375,674 ▲ 58.7%
Debt
€46,084 ▼ 75.3%
Debt's share of the balance-sheet total falls from 44.1% to 10.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
37.0%▼
2024 · 38.9%
ROA
33.0%▲
2024 · 21.8%
Debt ≤ 1 year
€46,084▼
2024 · €186,811
Income taxes
€42,097▲
2024 · €39,202
Staff costs
€17,349▲
2024 · €2,933
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €150 | - | - |
| Remuneration, social security and pensions62 | €9,661 | €11,076 | €23,442 | €2,933 | €17,349 | ▲ 491% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,042 | €7,644 | €1,808 | €21,863 | €61,808 | ▲ 183% |
| Other operating charges640/8 | €1,509 | €1,533 | €1,649 | €1,728 | €1,897 | ▲ 9.8% |
| Gross operating margin9900 | €119,801 | €123,009 | €105,771 | €158,457 | €262,638 | ▲ 65.7% |
| Operating profit (loss)9901 | €101,588 | €102,755 | €78,872 | €131,933 | €181,585 | ▲ 37.6% |
| Financial income75/76B | €1 | €193 | €370 | €0 | €25 | ▲ 24,660% |
| Recurring financial income75 | €1 | €193 | €370 | €0 | €25 | ▲ 24,660% |
| Financial charges65/66B | €254 | €448 | €1,364 | €605 | €510 | ▼ 15.6% |
| Recurring financial charges65 | €254 | €448 | €1,364 | €605 | €510 | ▼ 15.6% |
| Profit (loss) for the period before taxes9903 | €101,335 | €102,501 | €77,879 | €131,328 | €181,099 | ▲ 37.9% |
| Income taxes67/77 | €22,107 | €28,880 | €22,499 | €39,202 | €42,097 | ▲ 7.4% |
| Profit (loss) for the period9904 | €79,228 | €73,621 | €55,380 | €92,126 | €139,003 | ▲ 50.9% |
| Profit (loss) for the period to be appropriated9905 | €79,228 | €73,621 | €55,380 | €92,126 | €139,003 | ▲ 50.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €123,350 | €126,521 | €169,116 | €423,482 | €421,759 | ▼ 0.4% |
| Fixed assets21/28 | €8,987 | €7,435 | €5,627 | €283,764 | €221,956 | ▼ 21.8% |
| Intangible fixed assets21 | - | - | - | €279,945 | €219,945 | ▼ 21.4% |
| Tangible fixed assets22/27 | €8,987 | €7,435 | €5,627 | €3,819 | €2,011 | ▼ 47.3% |
| Furniture and vehicles24 | €8,987 | €7,435 | €5,627 | €3,819 | €2,011 | ▼ 47.3% |
| Current assets29/58 | €114,363 | €119,086 | €163,489 | €139,719 | €199,803 | ▲ 43.0% |
| Amounts receivable after more than one year29 | - | €3,142 | €1,842 | €542 | - | - |
| Other amounts receivable291 | - | €3,142 | €1,842 | €542 | - | - |
| Amounts receivable within one year40/41 | €14,262 | €14,228 | €30,074 | €35,070 | €29,564 | ▼ 15.7% |
| Trade receivables40 | €14,262 | €14,228 | €18,035 | €23,031 | €29,564 | ▲ 28.4% |
| Other amounts receivable41 | - | - | €12,039 | €12,039 | - | - |
| Current investments50/53 | €1,284 | €1,285 | €1,285 | €2,240 | €2,500 | ▲ 11.6% |
| Cash at bank and in hand54/58 | €96,120 | €96,536 | €126,796 | €98,009 | €162,877 | ▲ 66.2% |
| Deferred charges and accrued income490/1 | €2,697 | €3,896 | €3,492 | €3,859 | €4,862 | ▲ 26.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €123,350 | €126,521 | €169,116 | €423,482 | €421,759 | ▼ 0.4% |
| Equity10/15 | €15,545 | €89,166 | €144,545 | €236,672 | €375,674 | ▲ 58.7% |
| Contributions10/11 | €7,445 | €7,445 | €7,445 | €7,445 | €7,445 | = |
| Reserves13 | €6,122 | €79,743 | €135,122 | €227,248 | €227,248 | = |
| Non-distributable reserves130/1 | €347 | €347 | €347 | €347 | €347 | = |
| Reserves not available under the articles1311 | €347 | €347 | €347 | €347 | €347 | = |
| Distributable reserves133 | €5,775 | €79,396 | €134,776 | €226,902 | €226,902 | = |
| Profit (loss) carried forward14 | €1,978 | €1,978 | €1,978 | €1,978 | €140,981 | ▲ 7,026% |
| Amounts payable17/49 | €107,805 | €37,355 | €24,570 | €186,811 | €46,084 | ▼ 75.3% |
| Amounts payable within one year42/48 | €107,385 | €36,935 | €24,570 | €186,811 | €46,084 | ▼ 75.3% |
| Current portion of amounts payable after more than one year42 | €3,593 | - | - | - | - | - |
| Financial debts43 | €0 | - | - | - | - | - |
| Credit institutions430/8 | €0 | - | - | - | - | - |
| Trade debts44 | €198 | €13,796 | €12,247 | €154,963 | €4,549 | ▼ 97.1% |
| Suppliers440/4 | €198 | €13,796 | €12,247 | €154,963 | €4,549 | ▼ 97.1% |
| Taxes, remuneration and social security45 | €25,775 | €22,645 | €11,238 | €30,989 | €40,631 | ▲ 31.1% |
| Taxes450/3 | €19,007 | €15,780 | €5,538 | €24,740 | €31,298 | ▲ 26.5% |
| Remuneration and social security454/9 | €6,768 | €6,865 | €5,700 | €6,249 | €9,333 | ▲ 49.3% |
| Other amounts payable47/48 | €77,818 | €494 | €1,085 | €859 | €904 | ▲ 5.2% |
| Accrued charges and deferred income492/3 | €420 | €420 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €79,228 | €73,621 | €55,380 | €92,126 | €139,003 | ▲ 50.9% |
| + Depreciation and write-downs630 | €7,042 | €7,644 | €1,808 | €21,863 | €61,808 | ▲ 183% |
| Operating cash flow (approximation) | €86,271 | €81,265 | €57,188 | €113,989 | €200,811 | ▲ 76.2% |
| Investment in fixed assets (approximation) | - | -€6,092 | €0 | -€300,000 | €0 | ▲ 100% |
| Change in cash | - | €416 | €30,260 | -€28,788 | €64,868 | ▲ 325% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-08
State Gazette act
Appointment: SEREMA (administrator)Permanent representative: Seppe Sijmons · Resignations: Mathias Keul (administrator) and Sendy Brüls (administrator) · Registered-office move8 facts ▸
State Gazette act
Appointment: SEREMA (administrator)
Permanent representative: Seppe Sijmons · Resignations: Mathias Keul (administrator) and Sendy Brüls (administrator) · Registered-office move8 facts ▸
- General meeting, 03-08-2026
- Director appointment, SEREMA (administrator)
- Permanent representative, Seppe Sijmons (ständiger vertreter)
- Director resignation, Mathias Keul (administrator)
- Director resignation, Sendy Brüls (administrator)
- Board meeting, 03-08-2026
- Registered-office move, Hofstrasse 2,4750 Bütgenbach
- Director appointment, SEREMA (an das tagesgeschäft delegierte person)
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €139,003 ▲50.9%
Operating result €181,585, net result €139,003, both a record.
31-12
Financial
Liquidity times 6current ratio 4.34
Current ratio from 0.75 to 4.34; short-term debt falls from €186,811 to €46,084.
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema · 54 days late
2024
31-12
Financial
Equity above €200,000Eq €236,672 ▲63.7%
5 profitable years in a row build equity to €236,672.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema · 68 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 6.65
Current ratio from 3.22 to 6.65; short-term debt falls from €36,935 to €24,570.
31-12
Financial
Equity above €100,000Eq €144,545 ▲62.1%
4 profitable years in a row build equity to €144,545.
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema · 59 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 3.22
Current ratio from 1.06 to 3.22; short-term debt falls from €107,385 to €36,935.
16-10
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema · 77 days late
Show earlier events
2021
21-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 21 days late
2020
31-12
Financial
Back to profitnet €11,406
Net result €11,406 after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 1.23
Current ratio from 0.48 to 1.23; short-term debt falls from €27,638 to €19,232.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 24 days late
2019
31-12
Financial
Weakest financial yearnet -€11,734
Net result drops to -€11,734, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 31 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 27 days late
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 7 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 6 acts read
About the unread acts
Of the 6 Belgian State Gazette acts we know for this company, 1 has been read. The other 5 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 office holder, last change in 2026
Permanent representatives 1
Seppe Sijmons
CurrentPermanent representative · since 03-08-2026 · for SEREMA
Other functions 1
SEREMA
CurrentAdministrator · since 03-08-2026 · Private limited company · perm. rep.: Seppe Sijmons
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
5 of this company's 6 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Bütgenbach · 1 establishment unit since 2001
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.
Hofstrasse 24750 Bütgenbach1 establishment unit
CONSULT +
since 20012.082.272.670
Mandate history
3 people since 2026, 1 in office
- Other function
- began earlier
| Name | Functions and periods |
|---|---|
| SEREMA |
|
| Mathias Keul |
|
| Sendy Brüls |
|
Articles of association
Other statement
3 provisions in the deed
Structure & network
Connections & network
2 connected companiesThe connected companies are in the list below.
This company
Company
Director
Shareholding
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Linked via shared directors
GROUP CLAEYS-DELAEY
Shared corporate director
→
Omata Insurance
Shared corporate director
→
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,220. 2,681 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded21-10-1996
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
69109Other legal services
70200Business and other management consultancy
82990Other business support services
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0459044085
Registered
05-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.