ConsultFin

Active

Private limited companyfounded 20214 yrs activeMathieu De Jongelaan 13, 1083 Ganshoren, BelgiumKBO/BCE: BE 0778.986.610

Summary

ConsultFin has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21,584 and a net result of €11,113. Equity is shrinking by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 27% of 34931 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch Report Compare

ConsultFinActiveChecked score 88/100

Risk analysis Report Compare

Activity

Business and other management consultancy

NACE 70200Business consulting NACE 70220

1 site

Size

€81,496total assets 2025

Equity: €21,584
Profit: €11,113

Turnover not published (abridged schema)

Financial health

88 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.2%

Structure

Accounts filed 53 d late0 of 2 deeds read

Why 88- Latest accounts 53 days late; 2 of the last 3 late+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Size: total assets €81,496+ Liquidity: current ratio 1.13, cash €14,446, halvedShow the evidence

Checked score

Score 2025

88 / 100

Excellent

Probability in this band: under 0.55%

Better than 39% of its sector peers (NACE 70, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Weak

Solvency 51+13

equity 26.5% of total assets

Liquidity 34-23

short-term debt 71.7% · cash 17.7%

Profitability 51-10

return on assets 13.6%

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (47,477 companies)

Last 14 months 09-2025: 0.1% 10-2025: 0.1%▼ -1.8% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%▼ -3.6% vs 11-2025 01-2026: 0.1%▼ -2.8% vs 12-2025lowest value 02-2026: 0.1%● 0.0% vs 01-2026lowest value 03-2026: 0.1%▲ +1.9% vs 02-2026 04-2026: 0.1%▲ +2.9% vs 03-2026 05-2026: 0.1%▲ +6.5% vs 04-2026 06-2026: 0.1%▲ +4.3% vs 05-2026 07-2026: 0.1%▲ +6.7% vs 06-2026 08-2026: 0.2%▲ +77.3% vs 07-2026 09-2026: 0.3%▲ +34.4% vs 08-2026highest value 10-2026: 0.2%▼ -44.6% vs 09-2026

Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
Latest accounts 53 days late; 2 of the last 3 late raises the probability
Size: total assets €81,496 lowers the probability for this profile
Liquidity: current ratio 1.13, cash €14,446, halved lowers the probability

Credit up to €1,500 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.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 70, micro). Better than this share of them on solvency 28%, liquidity 15%, profitability 24%, growth against the median 90%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Sector Activities of head offices; management consultancy activities (NACE 70)

In the bankruptcy model this factor lowers the probability.

KBO

Latest accounts 53 days late; 2 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Size: total assets €81,496

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Liquidity: current ratio 1.13, cash €14,446, halved

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

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 filings

Deviation 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 →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 26 days after 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)

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. Usually files around 6 September (3 of the last 4 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage