Consultic
ActiveConsultic has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €160k and a net result of €79k. Equity is growing by ~53.3% per year across the filed fiscal years. Its solvency ranks better than 20% of 16888 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency24▼-2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity short (current ratio 1.0 against 1.19 in 2024), and 80.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 →
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
19.4%
Return on assets
9.6%
Age of the figures
14 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 16888 sector peers (2025).
NBB · sector comparisonPosition among 16888 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 21-01-2026, 10 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
10 d early
2024
46 d early
2023
7 d early
2022
50 d early
2021
on the day
2020
2 d early
2019
4 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close12-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€160k▲ 98.7%
2024 · €80k
2019: €17k
2020: €15k
2021: €19k
2022: €38k
2023: €48k
2024: €80k
2019 → 2025
Total assets
€825k▲ 57.8%
2024 · €523k
2019: €62k
2020: €47k
2021: €67k
2022: €126k
2023: €430k
2024: €523k
2019 → 2025
Net result
€79k▲ 129%
2024 · €35k
2019: €13k
2020: €2k
2021: €5k
2022: €6k
2023: €10k
2024: €35k
2019 → 2025
Working capital
€-185
2024 · €34k
2019: €28k
2020: €19k
2021: €15k
2022: €58k
2023: €145k
2024: €34k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€38k▲ 97.4%€48k▲ 26.0%€80k▲ 67.1%€160k▲ 98.7%
Operating result€10k-€11k▲ 12.6%€17k▲ 51.1%€54k▲ 224%€108k▲ 99.4%
Net result€5k-€6k▲ 34.1%€10k▲ 54.1%€35k▲ 250%€79k▲ 129%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 99% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €825k
Fixed assets
€455k▲ 47.3%
Current assets
€370k▲ 72.8%
Equity and liabilities €825k
Equity
€160k▲ 98.7%
Debt
€665k▲ 50.3%
The debt ratio falls from 84.6% to 80.6%: equity grows faster than debt.
Key figures and ratios
EBITDA
€205k▲
2024 · €121k
Cash flow
€176k▲
2024 · €101k
Solvency
19.4%▲
2024 · 15.4%
Current ratio
1.00▼
2024 · 1.19
Quick ratio
0.90▼
2024 · 0.99
Debt / equity
4.17▼
2024 · 5.51
ROE
49.7%▲
2024 · 43.2%
ROA
9.6%▲
2024 · 6.6%
Interest coverage
8.61▼
2024 · 9.89
Debt
€665k▲
2024 · €442k
Debt ≤ 1 year
€370k▲
2024 · €180k
Debt > 1 year
€287k▲
2024 · €262k
Income taxes
€15k▲
2024 · €8k
Staff costs
€196k▲
2024 · €113k
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€523k€825k▲
Fixed assets21/28€309k€455k▲
Intangible fixed assets21€28k€55k▲
Tangible fixed assets22/27€279k€398k▲
Plant, machinery and equipment23€183k€256k▲
Furniture and vehicles24€32k€50k▲
Leasing and similar rights25€62k€92k▲
Other tangible fixed assets26€2k€866▼
Assets under construction and advance payments27€0-
Financial fixed assets28€1k€1k▼
Current assets29/58€214k€370k▲
Stocks and contracts in progress3€36k€38k▲
Stocks30/36€36k€38k▲
Amounts receivable within one year40/41€57k€148k▲
Trade receivables40€52k€143k▲
Other amounts receivable41€5k€5k▼
Cash at bank and in hand54/58€88k€127k▲
Deferred charges and accrued income490/1€33k€56k▲
Equity and liabilities
Total equity and liabilities10/49€523k€825k▲
Equity10/15€80k€160k▲
Contributions10/11€19k€19k=
Reserves13€8k€8k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€8k€8k=
Profit (loss) carried forward14€53k€133k▲
Amounts payable17/49€442k€665k▲
Amounts payable after more than one year17€262k€287k▲
Financial debts170/4€182k€206k▲
Other amounts payable178/9€80k€80k=
Amounts payable within one year42/48€180k€370k▲
Current portion of amounts payable after more than one year42€70k€104k▲
Trade debts44€54k€184k▲
Suppliers440/4€54k€184k▲
Taxes, remuneration and social security45€54k€80k▲
Taxes450/3€34k€51k▲
Remuneration and social security454/9€20k€29k▲
Other amounts payable47/48€2k€2k▼
Accrued charges and deferred income492/3€619€8k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€113k€196k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€67k€97k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€4k€-118▼
Other operating charges640/8€5k€6k▲
Non-recurring operating charges66A€268-
Gross operating margin9900€243k€406k▲
Operating profit (loss)9901€54k€108k▲
Financial income75/76B€610€10k▲
Recurring financial income75€610€1k▲
Non-recurring financial income76B-€9k
Financial charges65/66B€12k€24k▲
Recurring financial charges65€12k€24k▲
Profit (loss) for the period before taxes9903€43k€95k▲
Income taxes67/77€8k€15k▲
Profit (loss) for the period9904€35k€79k▲
Profit (loss) for the period to be appropriated9905€35k€79k▲
Appropriation of the result
Profit (loss) to be appropriated9906€56k€133k▲
Profit (loss) brought forward from the previous period14P€21k€53k▲
Profit to be distributed694/7€2k-
Directors or managers695€2k-
The notes to these accounts (14 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
21-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €79k ▲129%
Operating result €108k, net result €79k, both a record.
30-06
Financial
Equity above €150kEq €160k ▲98.7%
7 profitable years in a row build equity to €160k.
2024
16-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
24-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
12-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €2k ▼81.4%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
04-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 4 days late
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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 directors, last change in 2025
Rousseau Sarah
CurrentDirector · since 16-02-2024
30-09-2025
Rousseau Sarah: Appointed as Director
16-02-2024
Rousseau Sarah: Appointed as Director
16-02-2024
Quentin HAENECOUR: Resigned as Manager
Not every act has been read: a resignation may be missing here
4 of this company's 4 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, La Louvière · 2 establishment units since 2017
Ground area
2.1 ha
Building footprint
6,143 m²
Volume, LiDAR
50,230 m³
2 parcels, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Consultic
since 20172.267.126.065
ConsultTIC SRL
since 20212.316.601.015
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55020B0371/00M000 | Wallonia | 2.0 ha | 1 · 6,037 m² | 10.9 m · 3 fl. |
| 56001A0414/00V000 | Wallonia | 1,010 m² | 1 · 105 m² | 8.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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BESAP
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IT FREE
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Of 29,880 companies in sector 62200 we hold annual accounts for 18,324. 15,215 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-08-2017
Fiscal year end30-06
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
47400Retail sale of information and communication equipment
47410Retail trade
62010Computer programming, consultancy and related activities
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.