CONVIDENCIA
ActiveCONVIDENCIA has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €375k and a net result of €118k. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 49% of 3184 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▲+13
Solvency76▼-10
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.98 against 2.68 in 2024; short-term debt: 48.7% and cash: 41.2% of total assets), and 48.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 70
Relative position
BE, all sectors
reference
Sector 70
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
51.3%
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 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
on the day
2022
20 d early
2021
on the day
2020
1 d late
2019
11 d late
← before the deadline
after the deadline →
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 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€118k▲ 304%
2024 · €29k
2019: €113k
2020: €85k
2021: €48k
2022: €55k
2023: €76k
2024: €29k
2019 → 2025
Working capital
€349k▲ 8.9%
2024 · €320k
2019: €220k
2020: €308k
2021: €404k
2022: €485k
2023: €434k
2024: €320k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€456k-€511k▲ 12.1%€448k▼ 12.4%€327k▼ 27.0%€375k▲ 14.6%
Operating result€69k-€79k▲ 14.9%€112k▲ 40.5%€47k▼ 57.7%€166k▲ 252%
Net result€48k-€55k▲ 15.0%€76k▲ 38.5%€29k▼ 61.9%€118k▲ 304%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 252% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €730k
Fixed assets
€26k▼ 0.3%
Current assets
€704k▲ 38.0%
Equity and liabilities €730k
Equity
€375k▲ 14.6%
Debt
€355k▲ 69.8%
The debt ratio rises from 39.0% to 48.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€169k▲
2024 · €52k
Cash flow
€120k▲
2024 · €34k
Solvency
51.3%▼
2024 · 61.0%
Current ratio
1.98▼
2024 · 2.68
Quick ratio
1.97▼
2024 · 2.66
Debt / equity
0.95▲
2024 · 0.64
ROE
31.4%▲
2024 · 8.9%
ROA
16.1%▲
2024 · 5.4%
Interest coverage
37.39▲
2024 · 10.39
Debt
€355k▲
2024 · €209k
Debt ≤ 1 year
€355k▲
2024 · €190k
Income taxes
€46k▲
2024 · €19k
Staff costs
€153k▼
2024 · €160k
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€536k€730k▲
Fixed assets21/28€26k€26k▼
Tangible fixed assets22/27€3k€6k▲
Furniture and vehicles24€3k€6k▲
Financial fixed assets28€23k€20k▼
Current assets29/58€510k€704k▲
Stocks and contracts in progress3€5k€4k▼
Stocks30/36€5k€4k▼
Amounts receivable within one year40/41€188k€258k▲
Trade receivables40€186k€224k▲
Other amounts receivable41€2k€33k▲
Current investments50/53-€120k
Cash at bank and in hand54/58€286k€301k▲
Deferred charges and accrued income490/1€31k€22k▼
Equity and liabilities
Total equity and liabilities10/49€536k€730k▲
Equity10/15€327k€375k▲
Contributions10/11€99k€99k=
Profit (loss) carried forward14€228k€276k▲
Amounts payable17/49€209k€355k▲
Amounts payable after more than one year17€19k-
Financial debts170/4€19k-
Amounts payable within one year42/48€190k€355k▲
Current portion of amounts payable after more than one year42€21k€19k▼
Trade debts44€157k€324k▲
Suppliers440/4€157k€324k▲
Taxes, remuneration and social security45€12k€12k▼
Taxes450/3€2k-
Remuneration and social security454/9€10k€12k▲
Income statement
Code20242025
Remuneration, social security and pensions62€160k€153k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€3k▼
Other operating charges640/8€12k€421▼
Gross operating margin9900€224k€322k▲
Operating profit (loss)9901€47k€166k▲
Financial income75/76B€6k€2k▼
Recurring financial income75€6k€2k▼
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€48k€164k▲
Income taxes67/77€19k€46k▲
Profit (loss) for the period9904€29k€118k▲
Profit (loss) for the period to be appropriated9905€29k€118k▲
Appropriation of the result
Profit (loss) to be appropriated9906€378k€346k▼
Profit (loss) brought forward from the previous period14P€349k€228k▼
Profit to be distributed694/7€150k€70k▼
Return on contributions (dividend)694€150k€70k▼
Social balance
Average headcount (FTE)90873.12.5▼
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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-06
Financial
Highest result since 2019net €118k ▲304%
Operating result €166k, net result €118k, both a record.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-06
Financial
Weakest financial yearnet €29k ▼61.9%
Net result drops to €29k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
11-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-06
Financial
Equity above €500kEq €511k ▲12.1%
4 profitable years in a row build equity to €511k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
30-06
Financial
Liquidity doublescurrent ratio 5.79
Current ratio from 2.59 to 5.79; short-term debt falls from €138k to €64k.
11-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 11 days late
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
18-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
25-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
11 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, Waterloo · 2 establishment units 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.
Drève Richelle 161J1410 WaterlooGround area
7,001 m²
Building footprint
2,533 m²
Volume, LiDAR
57,936 m³
2 parcels, Brussels, Wallonia · tallest building 46.6 m, ±13 floors. Linked by address, not a title deed.
2 establishment units
CONVIDENCIA
since 20092.181.641.549
Drève Richelle 161J, 1410 Waterloo
since 20212.316.782.642
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25763M0600/00M000 | Wallonia | 5,427 m² | 1 · 954 m² | 14.7 m · 4 fl. |
| 21807G0135/00T003 | Brussels | 1,574 m² | 1 · 1,579 m² | 46.6 m · 13 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.
Structure & network
Connections & network
43 connected companiesNetwork connections
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 36,781 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-06-2008
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:www.convidencia.com