CONSULTUM
ActiveSummary
CONSULTUM has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €783k and a net result of €212k. Equity is growing by ~22.3% per year across the filed fiscal years. Its solvency ranks better than 53% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▲+7
Solvency85=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 2.57 against 2.69 in 2024; short-term debt: 37.2% and cash: 0.1% of total assets), and 40.4% of the assets are financed with debt.
Credit advice for your own amount and term
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 69
Relative position
BE, all sectors
reference
Sector 69
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
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
59.6%
Return on assets
16.1%
Age of the figures
15 mo
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 · 10 filingsDeviation from the deadline
2025
10 d early
2024
8 d early
2023
1 d early
2022
6 d early
2021
on the day
2020
2 d early
2019
9 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€783k▲ 13.2%
2024 · €691k
2019: €147k
2020: €248k
2021: €363k
2022: €481k
2023: €572k
2024: €691k
2019 → 2025
Total assets
€1.31M▲ 14.3%
2024 · €1.15M
2019: €735k
2020: €836k
2021: €952k
2022: €1.01M
2023: €1.06M
2024: €1.15M
2019 → 2025
Net result
€212k▲ 76.7%
2024 · €120k
2019: €202k
2020: €101k
2021: €115k
2022: €118k
2023: €91k
2024: €120k
2019 → 2025
Working capital
€769k▲ 7.1%
2024 · €718k
2019: €160k
2020: €378k
2021: €454k
2022: €566k
2023: €591k
2024: €718k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€363k-€481k▲ 32.4%€572k▲ 18.9%€691k▲ 20.9%€783k▲ 13.2%
Operating result€165k-€173k▲ 4.9%€128k▼ 25.7%€172k▲ 34.4%€252k▲ 46.3%
Net result€115k-€118k▲ 2.0%€91k▼ 22.9%€120k▲ 31.8%€212k▲ 76.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 46% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.31M
Fixed assets
€55k ▲ 779%
Current assets
€1.26M ▲ 10.1%
Equity and liabilities €1.31M
Equity
€783k ▲ 13.2%
Debt
€531k ▲ 15.9%
Debt's share of the balance-sheet total rises from 39.8% to 40.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€259k▲
2024 · €179k
Cash flow
€218k▲
2024 · €127k
Current ratio
2.57▼
2024 · 2.69
Debt to equity
0.68▲
2024 · 0.66
ROE
27.0%▲
2024 · 17.3%
ROA
16.1%▲
2024 · 10.4%
Interest coverage
17.83▲
2024 · 12.29
Debt ≤ 1 year
€489k▲
2024 · €425k
Debt > 1 year
€8k
Income taxes
€51k▼
2024 · €61k
Staff costs
€102k▼
2024 · €118k
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.15M€1.31M▲
Fixed assets21/28€6k€55k▲
Tangible fixed assets22/27€6k€55k▲
Land and buildings22€3k€462▼
Plant, machinery and equipment23€3k€15k▲
Furniture and vehicles24-€39k
Financial fixed assets28€190€190=
Current assets29/58€1.14M€1.26M▲
Amounts receivable after more than one year29€865k€865k=
Other amounts receivable291€865k€865k=
Amounts receivable within one year40/41€267k€392k▲
Trade receivables40€26k€33k▲
Other amounts receivable41€241k€359k▲
Cash at bank and in hand54/58-€1k
Deferred charges and accrued income490/1€10k-
Equity and liabilities
Total equity and liabilities10/49€1.15M€1.31M▲
Equity10/15€691k€783k▲
Contributions10/11€19k€19k=
Reserves13€673k€764k▲
Distributable reserves133€673k€764k▲
Amounts payable17/49€458k€531k▲
Amounts payable after more than one year17-€8k
Financial debts170/4-€8k
Amounts payable within one year42/48€425k€489k▲
Current portion of amounts payable after more than one year42€53k€15k▼
Financial debts43€35k€35k▲
Credit institutions430/8€35k€35k▲
Trade debts44€307k€247k▼
Suppliers440/4€307k€247k▼
Taxes, remuneration and social security45€30k€72k▲
Taxes450/3€18k€67k▲
Remuneration and social security454/9€12k€5k▼
Other amounts payable47/48-€120k
Accrued charges and deferred income492/3€33k€34k▲
Income statement
Code20242025
Remuneration, social security and pensions62€118k€102k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€300k€363k▲
Operating profit (loss)9901€172k€252k▲
Financial income75/76B€23k€24k▲
Recurring financial income75€23k€24k▲
Financial charges65/66B€15k€15k▼
Recurring financial charges65€15k€15k▼
Profit (loss) for the period before taxes9903€181k€262k▲
Income taxes67/77€61k€51k▼
Profit (loss) for the period9904€120k€212k▲
Profit (loss) for the period to be appropriated9905€120k€212k▲
Appropriation of the result
Profit (loss) to be appropriated9906€120k€212k▲
Transfer to equity691/2€120k€92k▼
To other reserves6921€120k€92k▼
Profit to be distributed694/7-€120k
Directors or managers695-€120k
The notes to these accounts (9 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 €212k ▲76.7%
Operating result €252k, net result €212k, both a record.
23-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €91k ▼22.9%
Net result drops to €91k, the lowest in the series; recovery starts the following year.
30-06
Financial
Equity above €500kEq €572k ▲18.9%
5 profitable years in a row build equity to €572k.
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
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
Equity above €200kEq €248k ▲68.9%
2 profitable years in a row build equity to €248k.
22-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
21-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 49 days late
2018
16-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 13 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Duffel · 2 establishment units since 2007
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.
Waarloossteenweg 632570 DuffelGround area
1,382 m²
Building footprint
387 m²
Volume, LiDAR
2,427 m³
2 parcels, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
CONSULTUM
since 20072.159.958.584
CONSULTUM
since 20092.180.874.160
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12009A0040/00F000 | Flanders | 942 m² | 1 · 165 m² | 9.2 m · 2 fl. |
| 11602C0179/00G002 | Flanders | 440 m² | 1 · 222 m² | 9.9 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,740 EUR awarded · 1,740 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 477 EUR | 477 EUR |
| 2024 | 1 | 570 EUR | 570 EUR |
| 2023 | 1 | 297 EUR | 507 EUR |
| 2022 | 1 | 396 EUR | 186 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 4,869 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
Founded05-04-2002
Fiscal year end30-06
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.