CONSULTIFY
ActiveCONSULTIFY has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €412k and a net result of €5k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 80% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability6▼-43
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 5.91 against 3.0 in 2024), and 16.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
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
83.2%
Return on assets
1.1%
Age of the figures
8 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €412k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
55 d late
2023
56 d late
2022
60 d late
2021
17 d late
2020
31 d late
2019
91 d late
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€412k▲ 1.3%
2024 · €407k
2018: €28k
2019: €4k
2020: €-19k
2021: €28k
2022: €105k
2023: €367k
2024: €407k
2018 → 2025
Total assets
€495k▼ 20.6%
2024 · €623k
2018: €688k
2019: €600k
2020: €608k
2021: €568k
2022: €587k
2023: €673k
2024: €623k
2018 → 2025
Net result
€5k▼ 86.7%
2024 · €40k
2018: €20k
2019: €-23k
2020: €-24k
2021: €47k
2022: €89k
2023: €261k
2024: €40k
2018 → 2025
Working capital
€398k▼ 0.4%
2024 · €400k
2018: €-140k
2019: €-193k
2020: €-210k
2021: €43k
2022: €115k
2023: €382k
2024: €400k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€28k-€105k▲ 281%€367k▲ 248%€407k▲ 10.9%€412k▲ 1.3%
Operating result€62k-€122k▲ 98.2%€359k▲ 193%€53k▼ 85.1%€18k▼ 66.1%
Net result€47k-€89k▲ 89.1%€261k▲ 193%€40k▼ 84.7%€5k▼ 86.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 66% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €495k
Fixed assets
€16k▼ 35.1%
Current assets
€479k▼ 20.0%
Equity and liabilities €495k
Equity
€412k▲ 1.3%
Debt
€83k▼ 61.8%
The debt ratio falls from 34.8% to 16.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€36k▼
2024 · €90k
Cash flow
€23k▼
2024 · €76k
Solvency
83.2%▲
2024 · 65.2%
Current ratio
5.91▲
2024 · 3.00
Quick ratio
5.91▲
2024 · 3.00
Debt / equity
0.20▼
2024 · 0.53
ROE
1.3%▼
2024 · 9.8%
ROA
1.1%▼
2024 · 6.4%
Interest coverage
6.30▼
2024 · 18.64
Debt
€83k▼
2024 · €217k
Debt ≤ 1 year
€81k▼
2024 · €200k
Debt > 1 year
€0▼
2024 · €15k
Income taxes
€5k▼
2024 · €21k
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€623k€495k▼
Fixed assets21/28€24k€16k▼
Tangible fixed assets22/27€24k€16k▼
Land and buildings22€16k€0▼
Plant, machinery and equipment23€959€693▼
Furniture and vehicles24€7k€15k▲
Current assets29/58€599k€479k▼
Amounts receivable after more than one year29€150k€150k=
Other amounts receivable291€150k€150k=
Amounts receivable within one year40/41€441k€323k▼
Trade receivables40€265k€4k▼
Other amounts receivable41€176k€319k▲
Cash at bank and in hand54/58€3k€5k▲
Deferred charges and accrued income490/1€6k€1k▼
Equity and liabilities
Total equity and liabilities10/49€623k€495k▼
Equity10/15€407k€412k▲
Contributions10/11€1k€1k=
Reserves13€144k€150k▲
Distributable reserves133€144k€150k▲
Profit (loss) carried forward14€261k€261k=
Amounts payable17/49€217k€83k▼
Amounts payable after more than one year17€15k€0▼
Financial debts170/4€15k€0▼
Amounts payable within one year42/48€200k€81k▼
Current portion of amounts payable after more than one year42€52k€15k▼
Financial debts43€100k€25k▼
Other loans439€100k€25k▼
Trade debts44€13k€9k▼
Suppliers440/4€13k€9k▼
Taxes, remuneration and social security45€35k€33k▼
Taxes450/3€35k€33k▼
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€18k▼
Other operating charges640/8€4k€4k▲
Gross operating margin9900€93k€40k▼
Operating profit (loss)9901€53k€18k▼
Financial income75/76B€13k€3k▼
Recurring financial income75€7k€3k▼
Non-recurring financial income76B€6k€0▼
Financial charges65/66B€5k€10k▲
Recurring financial charges65€5k€6k▲
Non-recurring financial charges66B€0€4k▲
Profit (loss) for the period before taxes9903€61k€11k▼
Income taxes67/77€21k€5k▼
Profit (loss) for the period9904€40k€5k▼
Profit (loss) for the period to be appropriated9905€40k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€301k€267k▼
Profit (loss) brought forward from the previous period14P€261k€261k=
Transfer to equity691/2€40k€5k▼
To other reserves6921€40k€5k▼
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (11 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 55 days late
2024
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 56 days late
2023
31-12
Financial
Highest result since 2018net €261k ▲193%
Operating result €359k, net result €261k, both a record.
31-12
Financial
Equity above €200kEq €367k ▲248%
3 profitable years in a row build equity to €367k.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 60 days late
2022
31-12
Financial
Equity above €100kEq €105k ▲281%
2 profitable years in a row build equity to €105k.
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 17 days late
2021
31-12
Financial
Back to profitnet €47k
Net result €47k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 1.12
Current ratio from 0.46 to 1.12; short-term debt falls from €391k to €368k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-24k
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 27 days late
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 56 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2022
GEERTS, Katrien Esther Johan
CurrentNon-statutory director · since 20-12-2022
20-12-2022
Resigned as Director
20-12-2022
Appointed as Non-statutory director
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2009
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.
Veltwijcklaan 2862180 AntwerpenGround area
2,485 m²
Building footprint
260 m²
Volume, LiDAR
1,932 m³
Parcel 11364F0188/00N003, Flanders · tallest building 11.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Recruitify
since 20092.176.345.547
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11364F0188/00N003 | Flanders | 2,485 m² | 1 · 260 m² | 11.9 m · 3 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.
Similar companies · same sector, comparable size
SYPRI MANAGEMENT
BE 0844.482.295
Lummen · Eq €412k
TREETOP
BE 0863.833.795
Watermaal-Bosvoorde · Eq €412k
THINK +
BE 0555.930.160
Enghien · Eq €412k
NENUPHAR
BE 0479.560.674
Ninove · Eq €412k
NUOVIS
BE 0841.306.140
Beringen · Eq €412k
Of 82,201 companies in sector 70200 we hold annual accounts for 52,400. 36,059 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-01-2009
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
78100Employment placement agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.