CONSULT & CONSTRUCT
ActiveCONSULT & CONSTRUCT has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.08M and a net result of €111k. Equity is growing by ~13.6% per year across the filed fiscal years. Its solvency ranks better than 76% of 8601 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 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
Profitability79▲+6
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity ample (current ratio 5.38 against 4.34 in 2024; short-term debt: 16.4% and cash: 40.3% of total assets), and 19.4% 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○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 →
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
80.6%
Return on assets
8.2%
Age of the figures
12 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 28-04-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
26 d early
2023
34 d early
2022
48 d early
2021
43 d early
2020
on the day
2019
29 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.08M▲ 11.4%
2024 · €973k
2018: €299k
2019: €431k
2020: €583k
2021: €769k
2022: €884k
2023: €932k
2024: €973k
2018 → 2025
Total assets
€1.35M▲ 5.3%
2024 · €1.28M
2018: €346k
2019: €526k
2020: €742k
2021: €987k
2022: €1.08M
2023: €1.14M
2024: €1.28M
2018 → 2025
Net result
€111k▲ 167%
2024 · €41k
2018: €66k
2019: €132k
2020: €152k
2021: €186k
2022: €102k
2023: €47k
2024: €41k
2018 → 2025
Working capital
€966k▲ 14.6%
2024 · €843k
2018: €269k
2019: €397k
2020: €481k
2021: €661k
2022: €729k
2023: €792k
2024: €843k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€769k-€884k▲ 15.1%€932k▲ 5.4%€973k▲ 4.4%€1.08M▲ 11.4%
Operating result€277k-€148k▼ 46.7%€68k▼ 54.3%€73k▲ 7.9%€161k▲ 121%
Net result€186k-€102k▼ 45.2%€47k▼ 53.4%€41k▼ 12.7%€111k▲ 167%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 121% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.35M
Fixed assets
€159k▼ 12.4%
Current assets
€1.19M▲ 8.3%
Equity and liabilities €1.35M
Equity
€1.08M▲ 11.4%
Debt
€262k▼ 14.0%
The debt ratio falls from 23.8% to 19.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€188k▲
2024 · €104k
Cash flow
€137k▲
2024 · €72k
Solvency
80.6%▲
2024 · 76.2%
Current ratio
5.38▲
2024 · 4.34
Quick ratio
5.38▲
2024 · 4.34
Debt / equity
0.24▼
2024 · 0.31
ROE
10.2%▲
2024 · 4.3%
ROA
8.2%▲
2024 · 3.2%
Interest coverage
27.50▲
2024 · 15.87
Debt
€262k▼
2024 · €304k
Debt ≤ 1 year
€221k▼
2024 · €253k
Debt > 1 year
€40k▼
2024 · €52k
Income taxes
€55k▲
2024 · €37k
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€1.28M€1.35M▲
Fixed assets21/28€181k€159k▼
Tangible fixed assets22/27€181k€159k▼
Land and buildings22€127k€121k▼
Plant, machinery and equipment23€13k€17k▲
Furniture and vehicles24€40k€19k▼
Other tangible fixed assets26€2k€2k=
Financial fixed assets28€245€245=
Current assets29/58€1.10M€1.19M▲
Amounts receivable after more than one year29€465k€465k=
Other amounts receivable291€465k€465k=
Amounts receivable within one year40/41€274k€176k▼
Trade receivables40€254k€134k▼
Other amounts receivable41€20k€43k▲
Cash at bank and in hand54/58€354k€542k▲
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€1.28M€1.35M▲
Equity10/15€973k€1.08M▲
Contributions10/11€13k€13k=
Reserves13€961k€1.07M▲
Tax-exempt reserves132€0-
Distributable reserves133€961k€1.07M▲
Amounts payable17/49€304k€262k▼
Amounts payable after more than one year17€52k€40k▼
Financial debts170/4€52k€40k▼
Amounts payable within one year42/48€253k€221k▼
Current portion of amounts payable after more than one year42€12k€13k▲
Financial debts43€5k€10k▲
Credit institutions430/8€5k€10k▲
Trade debts44€175k€136k▼
Suppliers440/4€175k€136k▼
Taxes, remuneration and social security45€3k€310▼
Taxes450/3€3k€310▼
Other amounts payable47/48€58k€61k▲
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€27k▼
Other operating charges640/8€1k€3k▲
Non-recurring operating charges66A-€4k
Gross operating margin9900€105k€195k▲
Operating profit (loss)9901€73k€161k▲
Financial income75/76B€12k€11k▼
Recurring financial income75€12k€11k▼
Financial charges65/66B€7k€7k▲
Recurring financial charges65€7k€7k▲
Profit (loss) for the period before taxes9903€78k€165k▲
Income taxes67/77€37k€55k▲
Profit (loss) for the period9904€41k€111k▲
Transfer from tax-exempt reserves789€105k€0▼
Profit (loss) for the period to be appropriated9905€147k€111k▼
Appropriation of the result
Profit (loss) to be appropriated9906€147k€111k▼
Transfer to equity691/2€147k€111k▼
To other reserves6921€147k€111k▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (16 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
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Equity above €1MEq €1.08M ▲11.4%
8 profitable years in a row build equity to €1.08M.
04-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Weakest financial yearnet €41k ▼12.7%
Net result drops to €41k, the lowest in the series; recovery starts the following year.
27-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
13-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
18-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Highest result since 2018net €186k ▲22.4%
Operating result €277k, net result €186k, both a record.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Equity above €500kEq €583k ▲35.2%
3 profitable years in a row build equity to €583k.
01-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
15-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Asse · 1 establishment unit since 2012
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.
Terlindenweg 1381730 AsseGround area
3,070 m²
Building footprint
202 m²
Volume, LiDAR
1,210 m³
Parcel 23322E0549/00V000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Terlindenweg 138, 1730 Asse
since 20122.212.868.225
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23322E0549/00V000 | Flanders | 3,070 m² | 1 · 202 m² | 9.4 m · 2 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
2022 · 1 entry · 450 EUR awarded · 450 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 450 EUR | 450 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 26,950 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-09-2012
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.