CONSULTORA
ActiveSummary
CONSULTORA has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €104,856 and a net result of -€18,328. Equity is growing by ~15.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 20783 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-94
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days acceptable
Liquidity ample (current ratio 21.97 against 8.97 in 2023; short-term debt: 4.3% and cash: 30.2% of total assets), and 4.6% of the assets are financed with debt.
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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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
95.4%
Return on assets
-16.7%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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
not confirmed
2024
29 d late
2023
61 d late
2022
31 d late
2021
152 d late
2020
152 d late
2019
104 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 88 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€104,856▼ 14.9%
2023 · €123,184
Total assets
€109,954▼ 20.9%
2023 · €139,086
Net result
-€18,328
2023 · €28,499
Working capital
€99,848▼ 12.1%
2023 · €113,624
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€34,684▲ 58.1%€29,135▼ 16.0%€33,480▲ 14.9%€37,207▲ 11.1%-€18,618
Net result€25,524within the sector's middle half▲ 64.5%€20,675within the sector's middle half▼ 19.0%€24,500within the sector's middle half▲ 18.5%€28,499within the sector's middle half▲ 16.3%-€18,328below the sector's middle half
Equity€81,706within the sector's middle half▲ 38.1%€99,381within the sector's middle half▲ 21.6%€113,481within the sector's middle half▲ 14.2%€123,184within the sector's middle half▲ 8.5%€104,856within the sector's middle half▼ 14.9%
Total assets€112,379within the sector's middle half▲ 82.6%€123,007within the sector's middle half▲ 9.5%€129,979within the sector's middle half▲ 5.7%€139,086within the sector's middle half▲ 7.0%€109,954within the sector's middle half▼ 20.9%
Debt€30,673▲ 1,195%€23,625▼ 23.0%€16,498▼ 30.2%€15,902▼ 3.6%€5,098▼ 67.9%
Working capital€71,853▲ 27.3%€89,204▲ 24.1%€102,375▲ 14.8%€113,624▲ 11.0%€99,848▼ 12.1%
Solvency72.7%within the sector's middle half▼ 23.4pp80.8%above the sector's middle half▲ 8.1pp87.3%above the sector's middle half▲ 6.5pp88.6%above the sector's middle half▲ 1.3pp95.4%above the sector's middle half▲ 6.8pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €18,618 after €37,207 in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €109,954
Fixed assets
€5,346 ▼ 52.3%
Current assets
€104,609 ▼ 18.2%
Equity and liabilities €109,954
Equity
€104,856 ▼ 14.9%
Debt
€5,098 ▼ 67.9%
Debt's share of the balance-sheet total falls from 11.4% to 4.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€12,758▼
2023 · €43,025
Cash flow
-€12,467▼
2023 · €34,317
Current ratio
21.97▲
2023 · 8.97
Debt to equity
0.05▼
2023 · 0.13
ROE
-17.5%▼
2023 · 23.1%
ROA
-16.7%▼
2023 · 20.5%
Interest coverage
-45.16▼
2023 · 59.53
Debt ≤ 1 year
€4,760▼
2023 · €14,256
Debt > 1 year
€338▼
2023 · €1,647
Income taxes
€252▼
2023 · €8,748
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,827 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.5%
went bankrupt
14%
stopped otherwise
84%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 5,827 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €2,570 | €3,890 | ▲ 51.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,310 | €6,189 | €5,697 | €5,818 | €5,860 | ▲ 0.7% |
| Other operating charges640/8 | - | €605 | €516 | €554 | €185 | ▼ 66.7% |
| Gross operating margin9900 | €39,497 | €35,928 | €39,693 | €43,579 | -€12,573 | ▼ 129% |
| Operating profit (loss)9901 | €34,684 | €29,135 | €33,480 | €37,207 | -€18,618 | ▼ 150% |
| Financial income75/76B | - | €993 | €1,536 | €763 | €825 | ▲ 8.1% |
| Recurring financial income75 | €1,048 | €993 | €1,536 | €763 | €825 | ▲ 8.1% |
| Financial charges65/66B | - | €934 | €894 | €723 | €282 | ▼ 60.9% |
| Recurring financial charges65 | €551 | €934 | €894 | €723 | €282 | ▼ 60.9% |
| Profit (loss) for the period before taxes9903 | €35,181 | €29,193 | €34,122 | €37,247 | -€18,076 | ▼ 149% |
| Income taxes67/77 | €9,656 | €8,518 | €9,622 | €8,748 | €252 | ▼ 97.1% |
| Profit (loss) for the period9904 | €25,524 | €20,675 | €24,500 | €28,499 | -€18,328 | ▼ 164% |
| Profit (loss) for the period to be appropriated9905 | €25,524 | €20,675 | €24,500 | €28,499 | -€18,328 | ▼ 164% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €112,379 | €123,007 | €129,979 | €139,086 | €109,954 | ▼ 20.9% |
| Fixed assets21/28 | €24,864 | €19,633 | €14,920 | €11,206 | €5,346 | ▼ 52.3% |
| Tangible fixed assets22/27 | €24,594 | €19,363 | €14,650 | €10,936 | €5,076 | ▼ 53.6% |
| Plant, machinery and equipment23 | - | €1,572 | €1,782 | €1,011 | €495 | ▼ 51.1% |
| Furniture and vehicles24 | - | €17,791 | €12,868 | €9,925 | €4,581 | ▼ 53.8% |
| Financial fixed assets28 | €270 | €270 | €270 | €270 | €270 | = |
| Current assets29/58 | €87,515 | €103,373 | €115,059 | €127,880 | €104,609 | ▼ 18.2% |
| Amounts receivable within one year40/41 | €18,431 | €19,867 | €20,646 | €15,050 | €11,494 | ▼ 23.6% |
| Trade receivables40 | - | €8,144 | €8,144 | €7,920 | - | - |
| Other amounts receivable41 | - | €11,723 | €12,502 | €7,130 | €11,494 | ▲ 61.2% |
| Current investments50/53 | €47,462 | €56,648 | €66,103 | €74,526 | €58,295 | ▼ 21.8% |
| Cash at bank and in hand54/58 | €19,447 | €24,525 | €26,386 | €36,305 | €33,222 | ▼ 8.5% |
| Deferred charges and accrued income490/1 | - | €2,334 | €1,924 | €1,999 | €1,597 | ▼ 20.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €112,379 | €123,007 | €129,979 | €139,086 | €109,954 | ▼ 20.9% |
| Equity10/15 | €81,706 | €99,381 | €113,481 | €123,184 | €104,856 | ▼ 14.9% |
| Contributions10/11 | - | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €62,557 | €80,232 | €94,333 | €90,536 | €90,536 | = |
| Non-distributable reserves130/1 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Distributable reserves133 | - | €78,373 | €92,473 | €88,677 | €88,677 | = |
| Profit (loss) carried forward14 | €557 | €557 | €557 | €14,056 | -€4,272 | ▼ 130% |
| Amounts payable17/49 | €30,673 | €23,625 | €16,498 | €15,902 | €5,098 | ▼ 67.9% |
| Amounts payable after more than one year17 | €15,010 | €9,456 | €3,814 | €1,647 | €338 | ▼ 79.5% |
| Financial debts170/4 | - | €9,456 | €3,814 | €1,647 | €338 | ▼ 79.5% |
| Amounts payable within one year42/48 | €15,663 | €14,169 | €12,684 | €14,256 | €4,760 | ▼ 66.6% |
| Current portion of amounts payable after more than one year42 | - | €7,554 | €7,644 | €7,064 | €1,309 | ▼ 81.5% |
| Trade debts44 | €2,282 | €1,354 | €893 | €1,215 | €3,108 | ▲ 156% |
| Suppliers440/4 | - | €1,354 | €893 | €1,215 | €3,108 | ▲ 156% |
| Taxes, remuneration and social security45 | - | €2,261 | €1,147 | €977 | €344 | ▼ 64.8% |
| Taxes450/3 | - | €2,261 | €1,147 | €977 | €344 | ▼ 64.8% |
| Other amounts payable47/48 | - | €3,000 | €3,000 | €5,000 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €25,524 | €20,675 | €24,500 | €28,499 | -€18,328 | ▼ 164% |
| + Depreciation and write-downs630 | €3,310 | €6,189 | €5,697 | €5,818 | €5,860 | ▲ 0.7% |
| Operating cash flow (approximation) | €28,834 | €26,864 | €30,197 | €34,317 | -€12,467 | ▼ 136% |
| Investment in fixed assets (approximation) | - | -€959 | -€984 | -€2,104 | €0 | ▲ 100% |
| Change in cash | - | €5,078 | €1,860 | €9,919 | -€3,083 | ▼ 131% |
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
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet -€18,328
Net result drops to -€18,328, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 21.97
Current ratio from 8.97 to 21.97; short-term debt falls from €14,256 to €4,760.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Highest result since 2018net €28,499 ▲16.3%
Operating result €37,207, net result €28,499, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €100,000Eq €113,481 ▲14.2%
5 profitable years in a row build equity to €113,481.
30-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 152 days late
2021
30-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 152 days late
2020
12-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 104 days late
2019
31-12
Financial
Liquidity times 6current ratio 24.83
Current ratio from 4.31 to 24.83; short-term debt falls from €12,399 to €2,369.
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Show earlier events
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
29-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Schaarbeek · 1 establishment unit since 2000
Ground area
188 m²
Building footprint
84 m²
Volume, LiDAR
755 m³
Parcel 21903B0244/00L000, Brussels · tallest building 12.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Ernest Renanlaan 62, 1030 Schaarbeek
since 20002.093.637.310
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21903B0244/00L000 | Brussels | 188 m² | 1 · 84 m² | 12.5 m · 3 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.
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Of 3,214 companies in sector 62900 we hold annual accounts for 1,746. 1,407 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 (pre-2019)
Founded08-10-1999
Fiscal year end31-12
Activities, NACEBEL 2025
62900Other information technology and computer services
Contact
E-mail
pm@consultora.beSchaarbeek
Phone
0477200888Schaarbeek
E-invoicing
Reachable via Peppol
Peppol ID
0208:0467018079
Also
9925:BE0467018079
Registered
29-10-2024
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.