CONSULT13
ActiveCONSULT13 has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93k and a net result of €18k. Equity is growing by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 29% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+10
Solvency57▲+8
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 21.76 against 7.0 in 2024; short-term debt: 1.1% and cash: 24.3% of total assets), but 68.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 62
Relative position
BE, all sectors
reference
Sector 62
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
31.9%
Return on assets
6.2%
Age of the figures
9 mo
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 27-05-2026, 65 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
65 d early
2024
38 d early
2023
2 d early
2022
42 d early
2021
62 d early
2020
38 d late
2019
74 d early
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€93k▲ 24.0%
2024 · €75k
2018: €59k
2019: €47k
2020: €94k
2021: €83k
2022: €79k
2023: €83k
2024: €75k
2018 → 2025
Total assets
€293k▼ 8.1%
2024 · €319k
2018: €115k
2019: €73k
2020: €107k
2021: €92k
2022: €83k
2023: €91k
2024: €319k
2018 → 2025
Net result
€18k
2024 · €-8k
2018: €34k
2019: €-10k
2020: €34k
2021: €-11k
2022: €-4k
2023: €4k
2024: €-8k
2018 → 2025
Working capital
€70k▼ 8.2%
2024 · €76k
2018: €19k
2019: €13k
2020: €94k
2021: €82k
2022: €79k
2023: €75k
2024: €76k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€83k-€79k▼ 4.7%€83k▲ 5.1%€75k▼ 9.1%€93k▲ 24.0%
Operating result€-7k-€-5k▲ 29.0%€3k€-8k€18k
Net result€-11k-€-4k▲ 66.2%€4k€-8k€18k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €18k after a loss of €8k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €293k
Fixed assets
€220k▼ 4.5%
Current assets
€73k▼ 17.5%
Equity and liabilities €293k
Equity
€93k▲ 24.0%
Debt
€199k▼ 18.1%
The debt ratio falls from 76.4% to 68.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€28k▲
2024 · €2k
Cash flow
€28k▲
2024 · €3k
Solvency
31.9%▲
2024 · 23.6%
Current ratio
21.76▲
2024 · 7.00
Quick ratio
21.76▲
2024 · 7.00
Debt / equity
2.14▼
2024 · 3.24
ROE
19.3%▲
2024 · -10.1%
ROA
6.2%▲
2024 · -2.4%
Interest coverage
31.63▲
2024 · 7.36
Debt
€199k▼
2024 · €243k
Debt ≤ 1 year
€3k▼
2024 · €13k
Debt > 1 year
€196k▼
2024 · €231k
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€319k€293k▼
Fixed assets21/28€230k€220k▼
Tangible fixed assets22/27€230k€220k▼
Land and buildings22€225k€216k▼
Furniture and vehicles24€5k€4k▼
Current assets29/58€89k€73k▼
Amounts receivable after more than one year29€16k€2k▼
Other amounts receivable291€16k€2k▼
Amounts receivable within one year40/41€46k€272▼
Trade receivables40€8k€272▼
Other amounts receivable41€38k€0▼
Cash at bank and in hand54/58€26k€71k▲
Deferred charges and accrued income490/1-€57
Equity and liabilities
Total equity and liabilities10/49€319k€293k▼
Equity10/15€75k€93k▲
Contributions10/11€19k€19k=
Reserves13€57k€75k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€20k€20k=
Distributable reserves133€37k€55k▲
Amounts payable17/49€243k€199k▼
Amounts payable after more than one year17€231k€196k▼
Other amounts payable178/9€231k€196k▼
Amounts payable within one year42/48€13k€3k▼
Trade debts44€13k€902▼
Suppliers440/4€13k€902▼
Taxes, remuneration and social security45€49€2k▲
Taxes450/3€49€2k▲
Other amounts payable47/48€115€531▲
Accrued charges and deferred income492/3€294€0▼
Income statement
Code20242025
Non-recurring operating income76A€422€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€10k▼
Other operating charges640/8€2k€862▼
Non-recurring operating charges66A-€120
Gross operating margin9900€4k€29k▲
Operating profit (loss)9901€-8k€18k▲
Financial income75/76B€1k€592▼
Recurring financial income75€1k€592▼
Financial charges65/66B€311€891▲
Recurring financial charges65€311€891▲
Profit (loss) for the period before taxes9903€-8k€18k▲
Profit (loss) for the period9904€-8k€18k▲
Profit (loss) for the period to be appropriated9905€-8k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€18k▲
Transfer from equity791/2€8k€0▼
Transfer to equity691/2€0€18k▲
To other reserves6921€0€18k▲
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
27-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 21.76
Current ratio from 7.00 to 21.76; short-term debt falls from €13k to €3k.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-11k ▼133%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
07-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 38 days late
2020
31-12
Financial
Back to profitnet €34k
Net result €34k after one loss-making year.
31-12
Financial
Liquidity times 5current ratio 8.07
Current ratio from 1.49 to 8.07; short-term debt falls from €26k to €13k.
18-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro 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, Roeselare · 1 establishment unit since 2016
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.
Sint-Amandsstraat 1108800 RoeselareGround area
615 m²
Building footprint
275 m²
Volume, LiDAR
1,105 m³
Parcel 36015A0357/00X003, Flanders · tallest building 13.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CONSULT 13
since 20162.253.117.879
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36015A0357/00X003 | Flanders | 615 m² | 1 · 275 m² | 13.2 m · 1 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 18,390. 15,591 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-05-2016
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
32123Manufacture of jewellery
32130Manufacture of imitation jewellery and related articles
47784Retail sale of souvenirs and religious articles
47786Retail trade
64200Holdings
64210Activities of holding companies
64929Financial service activities, except insurance and pension funding
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
70220Business consulting
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.