Losses
-€21,893 in two years
The 2024 and 2025 financial years closed with a loss. 2025 was the heaviest.
CONSULTREF
Overview
Lifetime
4 annual accounts with figures on one time axispeak €57,572 (2023)
-€3,345▼ €5,758
lowest -€14,186 (2025)
-€14,186▼ €6,479
peak €43,925 (2023)
€22,032▼ 39.2%
€25,145▼ 11.1%
Board1 name since 2022
1 director
Documentsfilings and deeds
29-06-202632 days before the deadline
2025micro format
Gross margin from €2,413 to -€3,345Loss of €14,186Equity from €36,218 to €22,032
Key points
from the 2025 annual accountsFilings
4 annual accounts 2 late
The 2023 accounts came latest: 7 days after the end of the period.
Position in the sector
-€14,186
Lower net result than 90% of companies in office administrative support. Sector median €15,201 · 10,252 companies.
Turnover not published (micro format)
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 3,224 companies had the same profile as CONSULTREF has now. Each dot stands for 9 companies, two years later.
87.8%
were still trading
8.7%
stopped another way
3.3%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,331 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,224 companies, not a prediction for CONSULTREF. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0780472688
First establishment
Rue des Ardennes 17, Braine-le-Comte
Incorporation
Founding capital of €5,000, 250 shares · Founder: · Appointment: (director) · published on 18-01-2022 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CONSULTREF Braine-le-Comte | €47,177 | -€3,345 | 46.7% | - |
| VaRensbroek Herselt | €45,868 | -€7,426 | 88.8% | - |
| MAE Link Consult Watermael-Boitsfort | €49,536 | -€1,960 | 76.3% | - |
| Rain or Shine Mortsel | €43,143 | -€5,840 | 89.1% | - |
| BDA consulting Oud-Turnhout | €41,808 | -€23,610 | -167.3% | - |
| WILD Herzele | €53,741 | -€2,825 | 3.8% | - |
| Victories Zele | €53,152 | -€19,327 | -237.5% | - |
These companies have the same main activity as CONSULTREF: other business support services (NACE 82990). They are comparable in size and age: total assets between €41,800 and €53,700, founded between 2021 and 2022.
Official details
Source: KBO- Status
- Active since 14-01-2022Normal situation
- Activity
- Other business support servicesNACE 82990and 3 others
- Establishment unit
- 2.327.142.4407090 Braine-le-Comte, since 01-02-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 17-11-2025
Annual accounts 2025
- -€3,345
- €14,186▲ 84.1%
- €22,032▼ 39.2%
- €47,177▼ 26.9%
- Filing
- Filed on 29-06-2026, 32 days before the end of the filing period
Insights on CONSULTREF
CONSULTREF files the micro format. That format states no turnover. The gross margin fell from €12,215 in 2022 to -€3,345 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 29-06-2026, 32 days before the deadline-€3,345
▼ €5,758
-€13,384
▼ €6,003
-€14,186
▼ €6,479
€12,817
▼ 29.6%
46.7%
▼ 9.4 percentage points
1.51
▼ 0.14
Turnover and EBIT margin are not published. The micro format does not require them.
Balance sheet
balance sheet total €47,177 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
46.7%
Higher than 47% of 10,252 companies in 2025.
1.51
Higher than 43% of 9,835 companies in 2025.
-30.1%
Higher than 6% of 9,977 companies in 2025.
CONSULTREF
Middle half of the sector
80% of the sector
Micro accounts in office administrative support (NACE 82)
Net result: bottom quarter · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet: assets | |||||
20/58 |
47,177 | 64,504 | 92,664 | 48,639 | |
21/28 |
9,229 | 18,139 | 25,863 | 31,168 | |
22/27 |
9,229 | 18,139 | 25,863 | 31,168 | |
23 |
361 | 560 | - | - | |
24 |
8,868 | 17,579 | 25,863 | 31,168 | |
29/58 |
37,949 | 46,365 | 66,801 | 17,471 | |
40/41 |
278 | 1,908 | 22,561 | 10,689 | |
40 |
- | 1,517 | 22,558 | 9,754 | |
41 |
278 | 391 | 2 | 935 | |
54/58 |
35,359 | 43,767 | 42,486 | 6,266 | |
490/1 |
2,311 | 690 | 1,754 | 517 | |
| Balance sheet: equity and liabilities | |||||
10/49 |
47,177 | 64,504 | 92,664 | 48,639 | |
10/15 |
22,032 | 36,218 | 43,925 | 6,481 | |
10/11 |
5,000 | 5,000 | 5,000 | 5,000 | |
14 |
17,032 | 31,218 | 38,925 | 1,481 | |
17/49 |
25,145 | 28,286 | 48,739 | 42,159 | |
42/48 |
25,132 | 28,168 | 48,739 | 42,159 | |
44 |
236 | 36 | 1,450 | 3,327 | |
440/4 |
236 | 36 | 1,450 | 3,327 | |
45 |
378 | 289 | 14,841 | 2,087 | |
450/3 |
378 | 289 | 14,841 | 2,087 | |
47/48 |
24,517 | 27,843 | 32,448 | 36,744 | |
492/3 |
13 | 118 | - | - | |
| Income statement | |||||
9900 |
-3,345 | 2,413 | 57,572 | 12,215 | |
630 |
8,910 | 9,138 | 8,432 | 5,242 | |
640/8 |
1,129 | 655 | 922 | 2,583 | |
9901 |
-13,384 | -7,381 | 48,218 | 4,390 | |
75/76B |
- | 74 | 7 | - | |
75 |
- | 74 | 7 | - | |
65/66B |
423 | 112 | 88 | 26 | |
65 |
423 | 112 | 88 | 26 | |
9903 |
-13,807 | -7,418 | 48,138 | 4,364 | |
67/77 |
378 | 289 | 10,694 | 2,084 | |
9904 |
-14,186 | -7,707 | 37,444 | 2,281 | |
9905 |
-14,186 | -7,707 | 37,444 | 2,281 | |
| Appropriation of the result | |||||
9906 |
17,032 | 31,218 | 38,925 | 2,281 | |
14P |
31,218 | 38,925 | 1,481 | - | |
694/7 |
- | - | - | 800 | |
695 |
- | - | - | 800 | |
| Document | |||||
The notes to these accounts have 4 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 29-06-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| -4,474 | 1,758 | 56,650 | 9,632 | ||
| -5,275 | 1,431 | 45,876 | 7,523 | ||
| 0 | 1,414 | 3,127 | 36,410 | ||
| -8,407 | 1,281 | 36,220 | - | ||
| 12,817 | 18,197 | 18,062 | -24,687 | ||
| 46.7% | 56.1% | 47.4% | 13.3% | ||
| 1.51 | 1.65 | 1.37 | 0.41 | ||
| 1.14 | 0.78 | 1.11 | 6.51 | ||
| -64.4% | -21.3% | 85.2% | 35.2% | ||
| -30.1% | -11.9% | 40.4% | 4.7% | ||
| -10.58 | 15.75 | over 100 | over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Tangible fixed assets | - | €1,414 | €3,127 | €36,410 |
| €8,910 | €9,138 | €8,432 | €5,242 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Insights on CONSULTREF
The operating result for 2025 is a loss of €13,384, larger than the loss of €7,381 in 2024. It is the lowest result since 2022.
Debt's share of the balance-sheet total rises from 43.9% to 53.3%. Equity and debt are lower.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 18-01-2022
term without a fixed end
listed in the 2025 annual accounts, filed on 29-06-2026
Mandates through the years
1 name, the dashed line is todayDirector (not named in the articles)
Board
Mandates as a list
-
- Director (not named in the articles), appointed by deed of 18-01-2022, still in office
Control
Founder
This company
CONSULTREF
Equity €22,032
Loss €14,186 in 2025
Capital
- Contribution
- €5,000
- Shares
- 250
- Contribution per share
- €20
- Equity per share
- €88.13 in 2025
- Source
- deed of 18-01-2022
Articles of association
deed of 18-01-2022 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
Shareholders
At incorporation
deed of 18-01-2022 ↗
- 250 shares (100%) · in cash
Network & group
No group
CONSULTREF has no parent and no holdings in its annual accounts. is the only director. CONSULTREF shares no director with another company.
Timeline
Timeline
10 events since 2022Filings
Financial
Establishments
20222023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 32 days before the deadline
2025
Weakest financial year net -€14,186 The net result drops to -€14,186, the lowest from 2022 to 2025.
Registered in the Peppol Directory Reachable for e-invoices through 0208:0780472688
Annual accounts 2024 filed PDFmicro format · 38 days before the deadline
2024
Annual accounts 2023 filed PDFmicro format · 7 days late
2023
Highest result from 2022 to 2025 net €37,444 ▲1,542% The operating result of €48,218 and the net result of €37,444 are both a record.
Liquidity more than triples current ratio 1.37 The current ratio rises from 0.41 to 1.37.
Annual accounts 2022 filed PDFmicro format · 1 day late
2022
First establishment Rue des Ardennes 17, Braine-le-Comte
IncorporationFounding capital of €5,000, 250 shares · Founder: · Appointment: (director) · published on 18-01-20225 points ▸
- Founder,
- Founding capital, €5,000, 250 shares
- 250 shares
- Registered office clause, Rue des Ardennes 17
- Director appointment, (director (not named in the articles))
- The deed holds 5 more points.
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 0780.472.688
- VAT number
- BE 0780.472.688
- Peppol ID
- 0208:0780472688
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 14-01-2022
- Financial year
- ends on 31 December
- Peppol
- Reachable since 17-11-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- CONSULTREF in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 18-01-2022 (in French)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Région Wallonne”deed of 18-01-2022 (in French)
Activities
NACEBEL 202582990
Other business support services main activity
43230
Insulation installation
Codes under NACEBEL 2008
82990
Other business support services main activity
43222
Specialised construction activities
43291
Specialised construction activities
71121
Engineering activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Toutes activités de consultance et de conseils et la prestation de tous services dans le domaine de la grande distribution; Installation de…”deed of 18-01-2022 (in French)
6 activities
- Toutes activités de consultance et de conseils et la prestation de tous services dans le domaine de la grande distribution
- Installation de tout système de réfrigération
- Le conseil en organisation,gestion et développement d’entreprises,le conseil et la prestation de services en matière financière,administrative,comptable,commerciale,stratégique,opérationnelle,ou de gestion des ressources humaines,sans que cette énumération soit limitative,et d’une manière générale en toute matière touchant à la vie des entreprises
- L’exécution de tous mandats d’administrateurs et en général tous mandats et fonctions se rapportant directement ou indirectement à son objet
- La gestion et l’administration au sens large de toute société ou entreprise belge ou étrangère,ainsi que l’exercice de mandats ou fonctions dans ces sociétés ou entreprises
- La recherche,le développement,la production,la promotion ou la commercialisation de nouveaux produits,de nouvelles technologies et leurs applications
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue des Ardennes 17 registered office 7090 Braine-le-Comte | 01-02-2022 | 2.327.142.440 |
Buildings and parcels at the address
- Ground area
- 797 m²
- Buildings
- 110 m²
- Volume, LiDAR
- 755 m³
- Tallest building
- 9.4 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 55016B0140/00D000 | 797 m² | 1 · 110 m² | 9.4 m · 2 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0780.472.688