Consulting, Invest, Trading & Technologies
ActiveSummary
Consulting, Invest, Trading & Technologies has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €263k and a net result of €-28k. Equity is shrinking by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 38% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability44▲+9
Solvency41▼-1
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity short (current ratio 0.03 against 0.02 in 2024; short-term debt: 51.7% and cash: 0.9% of total assets), and 84.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
26 d late
2024
9 d early
2023
36 d early
2022
31 d early
2021
12 d late
2020
30 d late
2019
31 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-28k▲ 26.7%
2024 · €-39k
2018: €-40k
2019: €288k
2020: €-6k
2021: €-65k
2022: €-308k
2023: €-46k
2024: €-39k
2018 → 2025
Working capital
€-844k▲ 1.7%
2024 · €-859k
2018: €-1.95M
2019: €-1.01M
2020: €-385k
2021: €-408k
2022: €-645k
2023: €-860k
2024: €-859k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€685k-€377k▼ 45.0%€330k▼ 12.3%€292k▼ 11.8%€263k▼ 9.8%
Operating result€-55k-€-56k▼ 1.6%€-53k▲ 6.0%€-5k▲ 91.4%€-3k▲ 28.1%
Net result€-65k-€-308k▼ 374%€-46k▲ 85.0%€-39k▲ 16.0%€-28k▲ 26.7%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €5k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.69M
Fixed assets
€1.66M ▼ 4.9%
Current assets
€28k ▲ 37.6%
Equity and liabilities €1.69M
Equity
€263k ▼ 9.8%
Debt
€1.42M ▼ 3.3%
Debt's share of the balance-sheet total rises from 83.5% to 84.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€82k▲
2024 · €79k
Cash flow
€57k▲
2024 · €44k
Current ratio
0.03▲
2024 · 0.02
Debt to equity
5.42▲
2024 · 5.05
ROE
-10.8%▲
2024 · -13.3%
ROA
-1.7%▲
2024 · -2.2%
Interest coverage
3.24▲
2024 · 2.29
Debt ≤ 1 year
€872k▼
2024 · €879k
Debt > 1 year
€550k▼
2024 · €593k
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.77M€1.69M▼
Fixed assets21/28€1.74M€1.66M▼
Tangible fixed assets22/27€1.73M€1.65M▼
Land and buildings22€1.73M€1.65M▼
Financial fixed assets28€10k€10k=
Current assets29/58€21k€28k▲
Amounts receivable within one year40/41€14k€12k▼
Trade receivables40€14k€12k▼
Other amounts receivable41€387-
Cash at bank and in hand54/58€5k€16k▲
Deferred charges and accrued income490/1€1k€536▼
Equity and liabilities
Total equity and liabilities10/49€1.77M€1.69M▼
Equity10/15€292k€263k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€271k€243k▼
Amounts payable17/49€1.47M€1.42M▼
Amounts payable after more than one year17€593k€550k▼
Financial debts170/4€593k€550k▼
Amounts payable within one year42/48€879k€872k▼
Current portion of amounts payable after more than one year42€43k€43k=
Trade debts44€12k€5k▼
Suppliers440/4€12k€5k▼
Taxes, remuneration and social security45-€74
Taxes450/3-€74
Other amounts payable47/48€824k€824k=
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€83k€85k▲
Other operating charges640/8€8k€9k▲
Gross operating margin9900€87k€91k▲
Operating profit (loss)9901€-5k€-3k▲
Financial charges65/66B€34k€25k▼
Recurring financial charges65€34k€25k▼
Profit (loss) for the period before taxes9903€-39k€-28k▲
Profit (loss) for the period9904€-39k€-28k▲
Profit (loss) for the period to be appropriated9905€-39k€-28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€271k€243k▼
Profit (loss) brought forward from the previous period14P€310k€271k▼
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
2022
31-12
Financial
Weakest financial yearnet €-308k
Net result drops to €-308k, the lowest in the series; recovery starts the following year.
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema · 12 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · unclassified schema · 30 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
31-12
Financial
Back to profitnet €288k
Net result €288k after one loss-making year.
31-12
Financial
Equity above €500kEq €727k ▲65.5%
Equity rises from €439k to €727k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
01-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 62 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Sankt Vith · 1 establishment unit since 1994
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.
Prümer Berg 434780 Sankt Vith1 establishment unit
Bernhard-Willems-Strasse 22, 4780 Sankt Vith
since 19942.066.176.808
Similar companies · same sector, comparable size
CEVERTINVEST
BE 0689.868.552
Chaumont-Gistoux · Eq €262,968
Filibert
BE 0465.270.792
Zedelgem · Eq €262,554
VOSKENS
BE 0436.641.738
Gent · Eq €262,400
PROBOCO
BE 0887.434.885
Aalst · Eq €262,388
VerreVerten
BE 1019.623.319
Olen · Eq €263,683
Of 9,140 companies in sector 68201 we hold annual accounts for 6,769. 4,922 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded25-02-1994
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
68121Development of residential building projects
68110Buying and selling of own real estate
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filings
Scores and ratios are computed by Checked and are not a credit decision.