Summary
Consult & Care 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 €36k and a net result of €31k. Its solvency ranks better than 19% of 2444 sector peers (fiscal year 2025). The company has been active since 2025 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 check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 2444 sector peers (2025).
NBB · sector comparisonPosition among 2444 sector peers
Solvency
better than 19%
← weakest
strongest →
raises risk · Young company
Founded in 2025, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-09-2026, 55 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 filingDeviation from the deadline
2025
55 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€36k
Net result
€31k
Total assets
€275k
Solvency
12.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €275k
Fixed assets
€243k
Current assets
€32k
Equity and liabilities €275k
Equity
€36k
Debt
€239k
Debt finances 87.1% of the balance-sheet total.
Key figures and ratios
ROE
85.9%
ROA
11.1%
Debt ≤ 1 year
€59k
Debt > 1 year
€180k
Income taxes
€12k
Staff costs
€16k
Filed annual accounts As filed with the NBB · 2025 · 40 lines
Balance sheet
Code2025
Assets
Total assets20/58€275k
Fixed assets21/28€243k
Intangible fixed assets21€241k
Tangible fixed assets22/27€1k
Furniture and vehicles24€1k
Current assets29/58€32k
Cash at bank and in hand54/58€6k
Deferred charges and accrued income490/1€25k
Equity and liabilities
Total equity and liabilities10/49€275k
Equity10/15€36k
Contributions10/11€5k
Reserves13€30k
Distributable reserves133€30k
Profit (loss) carried forward14€565
Amounts payable17/49€239k
Amounts payable after more than one year17€180k
Financial debts170/4€180k
Amounts payable within one year42/48€59k
Current portion of amounts payable after more than one year42€28k
Trade debts44€12k
Suppliers440/4€12k
Taxes, remuneration and social security45€15k
Taxes450/3€12k
Remuneration and social security454/9€3k
Other amounts payable47/48€4k
Accrued charges and deferred income492/3€61
Income statement
Code2025
Remuneration, social security and pensions62€16k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k
Other operating charges640/8€911
Gross operating margin9900€76k
Operating profit (loss)9901€46k
Financial charges65/66B€3k
Recurring financial charges65€3k
Profit (loss) for the period before taxes9903€43k
Income taxes67/77€12k
Profit (loss) for the period9904€31k
Profit (loss) for the period to be appropriated9905€31k
Appropriation of the result
Profit (loss) to be appropriated9906€31k
Transfer to equity691/2€30k
To other reserves6921€30k
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2025 |
|---|---|
| Remuneration, social security and pensions62 | €16k |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13k |
| Other operating charges640/8 | €911 |
| Gross operating margin9900 | €76k |
| Operating profit (loss)9901 | €46k |
| Financial charges65/66B | €3k |
| Recurring financial charges65 | €3k |
| Profit (loss) for the period before taxes9903 | €43k |
| Income taxes67/77 | €12k |
| Profit (loss) for the period9904 | €31k |
| Profit (loss) for the period to be appropriated9905 | €31k |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €275k | |
| Fixed assets21/28 | €243k | |
| Intangible fixed assets21 | €241k | |
| Tangible fixed assets22/27 | €1k | |
| Furniture and vehicles24 | €1k | |
| Current assets29/58 | €32k | |
| Cash at bank and in hand54/58 | €6k | |
| Deferred charges and accrued income490/1 | €25k | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €275k | |
| Equity10/15 | €36k | |
| Contributions10/11 | €5k | |
| Reserves13 | €30k | |
| Distributable reserves133 | €30k | |
| Profit (loss) carried forward14 | €565 | |
| Amounts payable17/49 | €239k | |
| Amounts payable after more than one year17 | €180k | |
| Financial debts170/4 | €180k | |
| Amounts payable within one year42/48 | €59k | |
| Current portion of amounts payable after more than one year42 | €28k | |
| Trade debts44 | €12k | |
| Suppliers440/4 | €12k | |
| Taxes, remuneration and social security45 | €15k | |
| Taxes450/3 | €12k | |
| Remuneration and social security454/9 | €3k | |
| Other amounts payable47/48 | €4k | |
| Accrued charges and deferred income492/3 | €61 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €31k |
| + Depreciation and write-downs630 | €13k |
| Operating cash flow (approximation) | €44k |
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
2026
24-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 55 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
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, Huy · 2 establishment units since 2025
Ground area
2,125 m²
Building footprint
383 m²
Volume, LiDAR
1,817 m³
2 parcels, Wallonia · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Consult & Care
since 20252.376.352.223
Consult & Care
since 20252.376.352.322
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61007C0192/00D000 | Wallonia | 1,924 m² | 1 · 272 m² | 10.1 m · 2 fl. |
| 92402G0208/00G005 | Wallonia | 201 m² | 1 · 110 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Aurore Degand Assurances
BE 0790.632.053
Antoing · Eq €35,571
VIETAL
BE 0459.170.977
Bree · Eq €35,352
ABC INSURANCE
BE 0845.189.209
Wemmel · Eq €35,814
BRUNO VANHAELEN
BE 0844.571.773
Halle · Eq €35,893
MOSSOUX & CIE
BE 0403.283.141
Vorst · Eq €35,202
Of 4,677 companies in sector 66220 we hold annual accounts for 3,221. 2,025 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
Founded06-07-2025
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Scores and ratios are computed by Checked and are not a credit decision.