Consult&Fin
ActiveSummary
Consult&Fin has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5,153 and a net result of -€1,011. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 52% of 31958 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
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Signals
This company filed its last 3 accounts on average 13 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
History
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Financials · fiscal year 2025, micro schema
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Peer companies
Historical observationOf the 3,225 companies that looked in July 2024 the way this one looks now, 3.3% went bankrupt within 24 months and 88% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.6% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,225 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €221 | €358 | €746 | ▲ 108% |
| Other operating charges640/8 | - | €8 | €167 | ▲ 2,034% |
| Gross operating margin9900 | €3,453 | €3,705 | €545 | ▼ 85.3% |
| Operating profit (loss)9901 | €3,232 | €3,339 | -€368 | ▼ 111% |
| Financial income75/76B | €32 | €10 | €8 | ▼ 21.0% |
| Recurring financial income75 | €32 | €10 | €8 | ▼ 21.0% |
| Financial charges65/66B | - | €128 | €150 | ▲ 17.6% |
| Recurring financial charges65 | - | €128 | €150 | ▲ 17.6% |
| Profit (loss) for the period before taxes9903 | €3,264 | €3,222 | -€510 | ▼ 116% |
| Income taxes67/77 | €1,339 | €984 | €501 | ▼ 49.0% |
| Profit (loss) for the period9904 | €1,925 | €2,239 | -€1,011 | ▼ 145% |
| Profit (loss) for the period to be appropriated9905 | €1,925 | €2,239 | -€1,011 | ▼ 145% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €6,290 | €12,773 | €8,850 | ▼ 30.7% |
| Fixed assets21/28 | €853 | €495 | €1,348 | ▲ 172% |
| Tangible fixed assets22/27 | €853 | €495 | €1,348 | ▲ 172% |
| Furniture and vehicles24 | €853 | €495 | €1,348 | ▲ 172% |
| Current assets29/58 | €5,437 | €12,278 | €7,502 | ▼ 38.9% |
| Amounts receivable within one year40/41 | €249 | €5,838 | €2,367 | ▼ 59.5% |
| Trade receivables40 | - | €5,191 | €277 | ▼ 94.7% |
| Other amounts receivable41 | €249 | €647 | €2,090 | ▲ 223% |
| Cash at bank and in hand54/58 | €5,189 | €6,440 | €4,409 | ▼ 31.5% |
| Deferred charges and accrued income490/1 | - | - | €726 | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €6,290 | €12,773 | €8,850 | ▼ 30.7% |
| Equity10/15 | €3,925 | €6,164 | €5,153 | ▼ 16.4% |
| Contributions10/11 | €2,000 | €2,000 | €2,000 | = |
| Profit (loss) carried forward14 | €1,925 | €4,164 | €3,153 | ▼ 24.3% |
| Amounts payable17/49 | €2,365 | €6,609 | €3,697 | ▼ 44.1% |
| Amounts payable within one year42/48 | €2,365 | €6,609 | €3,697 | ▼ 44.1% |
| Trade debts44 | €791 | €5,625 | €3,235 | ▼ 42.5% |
| Suppliers440/4 | €791 | €5,625 | €3,235 | ▼ 42.5% |
| Taxes, remuneration and social security45 | €1,574 | €984 | €462 | ▼ 53.0% |
| Taxes450/3 | €1,574 | €984 | €462 | ▼ 53.0% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,925 | €2,239 | -€1,011 | ▼ 145% |
| + Depreciation and write-downs630 | €221 | €358 | €746 | ▲ 108% |
| Operating cash flow (approximation) | €2,146 | €2,597 | -€265 | ▼ 110% |
| Investment in fixed assets (approximation) | - | €0 | -€1,599 | - |
| Change in cash | - | €1,251 | -€2,031 | ▼ 262% |
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
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.
Directors · office · real estate
1 establishment unit
1 parcel
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62021D0106/00R000 | Wallonia | 689 m² | 1 · 165 m² | - |
Linked by address, not proof of ownership
Similar companies · same sector, comparable size
Identification & contact
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.