ConsultFin
ActiveSummary
ConsultFin has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €11k. Equity is shrinking by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 28% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability51▼-10
Solvency51▲+13
Growth52▲+20
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.13 against 1.03 in 2024; short-term debt: 71.7% and cash: 17.7% of total assets), and 73.5% of the assets are financed with debt.
Credit check 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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
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
26.5%
Return on assets
13.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-09-2026, 53 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 · 4 filingsDeviation from the deadline
2025
53 d late
2024
22 d early
2023
42 d late
2022
30 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€22k▲ 106%
2024 · €10k
2022: €16k
2023: €32k▲ +98.7% vs 2022highest in 4 years
2024: €10k▼ -67.5% vs 2023lowest in 4 years
2025: €22k▲ +106% vs 2024
2022 → 2025
Total assets
€81k▲ 1.4%
2024 · €80k
2022: €69klowest in 4 years
2023: €98k▲ +41.4% vs 2022highest in 4 years
2024: €80k▼ -17.9% vs 2023
2025: €81k▲ +1.4% vs 2024
2022 → 2025
Net result
€11k▼ 39.2%
2024 · €18k
2022: €28k
2023: €52k▲ +84.4% vs 2022highest in 4 years
2024: €18k▼ -64.9% vs 2023
2025: €11k▼ -39.2% vs 2024lowest in 4 years
2022 → 2025
Working capital
€8k▲ 306%
2024 · €2k
2022: €7k
2023: €24k▲ +228% vs 2022highest in 4 years
2024: €2k▼ -92.1% vs 2023lowest in 4 years
2025: €8k▲ +306% vs 2024
2022 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€16k-€32k▲ 98.7%€10k▼ 67.5%€22k▲ 106%
2022: €16k
2023: €32k▲ +98.7% vs 2022highest in 4 years
2024: €10k▼ -67.5% vs 2023lowest in 4 years
2025: €22k▲ +106% vs 2024
Operating result€33k-€59k▲ 77.7%€79k▲ 34.0%€46k▼ 41.3%
2022: €33klowest in 4 years
2023: €59k▲ +77.7% vs 2022
2024: €79k▲ +34.0% vs 2023highest in 4 years
2025: €46k▼ -41.3% vs 2024
Net result€28k-€52k▲ 84.4%€18k▼ 64.9%€11k▼ 39.2%
2022: €28k
2023: €52k▲ +84.4% vs 2022highest in 4 years
2024: €18k▼ -64.9% vs 2023
2025: €11k▼ -39.2% vs 2024lowest in 4 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 41% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €81k
Fixed assets
€15k ▼ 3.4%
Current assets
€66k ▲ 2.5%
Equity and liabilities €81k
Equity
€22k ▲ 106%
Debt
€60k ▼ 14.3%
Debt's share of the balance-sheet total falls from 87.0% to 73.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€54k▼
2024 · €86k
Cash flow
€19k▼
2024 · €25k
Current ratio
1.13▲
2024 · 1.03
Debt to equity
2.78▼
2024 · 6.68
ROE
51.5%▼
2024 · 174.5%
ROA
13.6%▼
2024 · 22.7%
Interest coverage
1.82▲
2024 · 1.63
Debt ≤ 1 year
€58k▼
2024 · €63k
Debt > 1 year
€1k▼
2024 · €7k
Income taxes
€7k▼
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€80k€81k▲
Fixed assets21/28€16k€15k▼
Tangible fixed assets22/27€16k€15k▼
Plant, machinery and equipment23€1k€816▼
Furniture and vehicles24€14k€9k▼
Other tangible fixed assets26€497€5k▲
Financial fixed assets28€50€50=
Current assets29/58€65k€66k▲
Amounts receivable within one year40/41€10k€625▼
Trade receivables40€10k€625▼
Other amounts receivable41€4-
Current investments50/53€20k€50k▲
Cash at bank and in hand54/58€34k€14k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€80k€81k▲
Equity10/15€10k€22k▲
Contributions10/11€8k€8k=
Profit (loss) carried forward14€2k€14k▲
Amounts payable17/49€70k€60k▼
Amounts payable after more than one year17€7k€1k▼
Financial debts170/4€7k€1k▼
Amounts payable within one year42/48€63k€58k▼
Current portion of amounts payable after more than one year42€6k€6k▲
Trade debts44€337€363▲
Suppliers440/4€337€363▲
Taxes, remuneration and social security45€20k€10k▼
Taxes450/3€20k€10k▼
Other amounts payable47/48€37k€42k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲
Other operating charges640/8€26k€5k▼
Gross operating margin9900€112k€59k▼
Operating profit (loss)9901€79k€46k▼
Financial income75/76B€346€882▲
Recurring financial income75€346€882▲
Financial charges65/66B€53k€30k▼
Recurring financial charges65€53k€30k▼
Profit (loss) for the period before taxes9903€27k€18k▼
Income taxes67/77€8k€7k▼
Profit (loss) for the period9904€18k€11k▼
Profit (loss) for the period to be appropriated9905€18k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€42k€14k▼
Profit (loss) brought forward from the previous period14P€24k€2k▼
Profit to be distributed694/7€40k-
Return on contributions (dividend)694€40k-
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €7k | €7k | €8k | ▲ 10.4% |
| Other operating charges640/8 | €21k | €21k | €26k | €5k | ▼ 79.6% |
| Gross operating margin9900 | €61k | €86k | €112k | €59k | ▼ 47.1% |
| Operating profit (loss)9901 | €33k | €59k | €79k | €46k | ▼ 41.3% |
| Financial income75/76B | €1 | €166 | €346 | €882 | ▲ 155% |
| Recurring financial income75 | €1 | €166 | €346 | €882 | ▲ 155% |
| Financial charges65/66B | €298 | €347 | €53k | €30k | ▼ 43.9% |
| Recurring financial charges65 | €298 | €347 | €53k | €30k | ▼ 43.9% |
| Profit (loss) for the period before taxes9903 | €33k | €59k | €27k | €18k | ▼ 33.4% |
| Income taxes67/77 | €5k | €7k | €8k | €7k | ▼ 20.7% |
| Profit (loss) for the period9904 | €28k | €52k | €18k | €11k | ▼ 39.2% |
| Profit (loss) for the period to be appropriated9905 | €28k | €52k | €18k | €11k | ▼ 39.2% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €69k | €98k | €80k | €81k | ▲ 1.4% |
| Fixed assets21/28 | €27k | €21k | €16k | €15k | ▼ 3.4% |
| Tangible fixed assets22/27 | €27k | €21k | €16k | €15k | ▼ 3.5% |
| Plant, machinery and equipment23 | - | - | €1k | €816 | ▼ 41.7% |
| Furniture and vehicles24 | €27k | €20k | €14k | €9k | ▼ 32.4% |
| Other tangible fixed assets26 | €631 | €564 | €497 | €5k | ▲ 908% |
| Financial fixed assets28 | €50 | €50 | €50 | €50 | = |
| Current assets29/58 | €42k | €77k | €65k | €66k | ▲ 2.5% |
| Amounts receivable within one year40/41 | €13k | €28k | €10k | €625 | ▼ 93.5% |
| Trade receivables40 | €12k | €27k | €10k | €625 | ▼ 93.5% |
| Other amounts receivable41 | €843 | €1k | €4 | - | - |
| Current investments50/53 | - | €25k | €20k | €50k | ▲ 150% |
| Cash at bank and in hand54/58 | €27k | €22k | €34k | €14k | ▼ 57.3% |
| Deferred charges and accrued income490/1 | €1k | €1k | €1k | €1k | ▲ 8.8% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €69k | €98k | €80k | €81k | ▲ 1.4% |
| Equity10/15 | €16k | €32k | €10k | €22k | ▲ 106% |
| Contributions10/11 | €8k | €8k | €8k | €8k | = |
| Profit (loss) carried forward14 | €8k | €24k | €2k | €14k | ▲ 450% |
| Amounts payable17/49 | €53k | €66k | €70k | €60k | ▼ 14.3% |
| Amounts payable after more than one year17 | €19k | €13k | €7k | €1k | ▼ 79.9% |
| Financial debts170/4 | €19k | €13k | €7k | €1k | ▼ 79.9% |
| Amounts payable within one year42/48 | €34k | €53k | €63k | €58k | ▼ 6.8% |
| Current portion of amounts payable after more than one year42 | €6k | €6k | €6k | €6k | ▲ 1.0% |
| Trade debts44 | €697 | €404 | €337 | €363 | ▲ 7.8% |
| Suppliers440/4 | €697 | €404 | €337 | €363 | ▲ 7.8% |
| Taxes, remuneration and social security45 | €8k | €7k | €20k | €10k | ▼ 49.5% |
| Taxes450/3 | €8k | €7k | €20k | €10k | ▼ 49.5% |
| Other amounts payable47/48 | €20k | €40k | €37k | €42k | ▲ 14.9% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €28k | €52k | €18k | €11k | ▼ 39.2% |
| + Depreciation and write-downs630 | €7k | €7k | €7k | €8k | ▲ 10.4% |
| Operating cash flow (approximation) | €35k | €59k | €25k | €19k | ▼ 25.6% |
| Investment in fixed assets (approximation) | - | €0 | €-2k | €-7k | ▼ 301% |
| Change in cash | - | €-5k | €11k | €-19k | ▼ 270% |
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
Next filing, fiscal year 2026, expected by
2026
22-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 53 days late
2025
31-12
Financial
Weakest financial yearnet €11k ▼39.2%
Net result drops to €11k, the lowest in the series.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 42 days late
2023
31-12
Financial
Highest result since 2022net €52k ▲84.4%
Net result €52k, the highest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Ganshoren · 1 establishment unit since 2022
Ground area
241 m²
Building footprint
77 m²
Volume, LiDAR
498 m³
Parcel 21008A0292/00T004, Brussels · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ConsultFin
since 20222.325.282.317
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21008A0292/00T004 | Brussels | 241 m² | 1 · 77 m² | 9.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
254900COSQVEEURYIJ61
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 31,393 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
Founded22-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
82990Other business support services
85592Vocational training
Contact
E-mail
eric.vanderbiest@gmail.com
Phone
+32474940502
Scores and ratios are computed by Checked and are not a credit decision.