Consult-T
ActiveSummary
Consult-T has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4k and a net result of €-827. Equity is growing by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 11% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▼-26
Solvency29▼-71
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five 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 62
Relative position
BE, all sectors
reference
Sector 62
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
4%
Return on assets
-0.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 17043 sector peers (2025).
NBB · sector comparisonPosition among 17043 sector peers
Solvency
better than 11%
← weakest
strongest →
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 04-06-2026, 57 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
57 d early
2024
28 d early
2023
22 d early
2022
32 d early
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€4k▼ 96.7%
2024 · €128k
2022: €63k
2023: €100k
2024: €128k
2022 → 2025
Total assets
€105k▼ 25.6%
2024 · €141k
2022: €108k
2023: €121k
2024: €141k
2022 → 2025
Net result
€-827
2024 · €28k
2022: €58k
2023: €37k
2024: €28k
2022 → 2025
Working capital
€-72k
2024 · €113k
2022: €55k
2023: €87k
2024: €113k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€63k-€100k▲ 57.9%€128k▲ 28.4%€4k▼ 96.7%
Operating result€74k-€48k▼ 35.7%€42k▼ 12.2%€2k▼ 95.4%
Net result€58k-€37k▼ 37.2%€28k▼ 22.5%€-827
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 95% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €105k
Fixed assets
€76k ▲ 414%
Current assets
€29k ▼ 77.3%
Equity and liabilities €105k
Equity
€4k ▼ 96.7%
Debt
€101k ▲ 667%
Debt's share of the balance-sheet total rises from 9.3% to 96.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€15k▼
2024 · €48k
Cash flow
€12k▼
2024 · €35k
Current ratio
0.28▼
2024 · 9.60
Debt to equity
24.19▲
2024 · 0.10
ROE
-19.8%▼
2024 · 22.1%
ROA
-0.8%▼
2024 · 20.1%
Interest coverage
13.50▲
2024 · 13.08
Debt ≤ 1 year
€101k▲
2024 · €13k
Income taxes
€2k▼
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€141k€105k▼
Fixed assets21/28€15k€76k▲
Tangible fixed assets22/27€15k€76k▲
Land and buildings22€1k€915▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€9k€72k▲
Current assets29/58€126k€29k▼
Amounts receivable within one year40/41€36k€16k▼
Trade receivables40€29k-
Other amounts receivable41€7k€16k▲
Cash at bank and in hand54/58€87k€9k▼
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€141k€105k▼
Equity10/15€128k€4k▼
Contributions10/11€5k€5k=
Reserves13€123k-
Distributable reserves133€123k-
Profit (loss) carried forward14-€-827
Amounts payable17/49€13k€101k▲
Amounts payable within one year42/48€13k€101k▲
Current portion of amounts payable after more than one year42€4k-
Trade debts44€1k-
Suppliers440/4€1k-
Taxes, remuneration and social security45€5k-
Taxes450/3€5k-
Other amounts payable47/48€2k€101k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€13k▲
Other operating charges640/8€8k€7k▼
Gross operating margin9900€57k€22k▼
Operating profit (loss)9901€42k€2k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€6k€1k▼
Recurring financial charges65€4k€1k▼
Non-recurring financial charges66B€2k€106▼
Profit (loss) for the period before taxes9903€36k€748▼
Income taxes67/77€8k€2k▼
Profit (loss) for the period9904€28k€-827▼
Profit (loss) for the period to be appropriated9905€28k€-827▼
Appropriation of the result
Profit (loss) to be appropriated9906€28k€-827▼
Transfer from equity791/2-€123k
Transfer to equity691/2€28k-
To other reserves6921€28k-
Profit to be distributed694/7-€123k
Return on contributions (dividend)694-€123k
The notes to these accounts (7 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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-827 ▼103%
Net result drops to €-827, the lowest in the series.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €128k ▲28.4%
3 profitable years in a row build equity to €128k.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 5.98
Current ratio from 2.55 to 5.98; short-term debt falls from €36k to €17k.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Haaltert · 1 establishment unit since 2022
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.
Heldergemstraat(HE) 479450 HaaltertGround area
266 m²
Building footprint
133 m²
Volume, LiDAR
730 m³
Parcel 41025B0673/00E003, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Heldergemstraat(HE) 47, 9450 Haaltert
since 20222.324.666.267
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41025B0673/00E003 | Flanders | 266 m² | 1 · 133 m² | 9.6 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.
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 5,359 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-11-2021
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:timothy.deluyck@gmail.com