Equity
€138,165 ▲ 2.0%
CRISTAL CONSULTING paid out €15,500 in dividends. That is 85% of the 2025 profit.
CRISTAL CONSULTING
Lifetime
20 annual accounts with figures on one time axis, 27 filings since 1999peak €86,324 (2023)
€63,034▲ 3.5%
lowest -€17,192 (2006)
€18,188▲ 10.0%
peak €138,165 (2025)
€138,165▲ 2.0%
€121,069▼ 9.5%
Board1 name since 2000
1 directorARKOULIS Christos
Documentsfilings and deeds
10-07-202621 days before the deadline
2025abbreviated format
Dividend €15,500Cash from €5,753 to €16,962
Key points
from the 2025 annual accountsChecked score
92
Excellent
Financially stronger than 39% of micro companies in legal and accounting (NACE 69)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 20,104 companies (NACE 69, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.2%▲ +0.1 percentage points vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025highest value
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.1%▼ -0.1 percentage points vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026lowest value
09-2026: 0.1%● unchanged vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
No registered site in the KBO
lowers risk
Sector: Legal and accounting activities (NACE 69)
Size: total assets €259,234
Figures for financial year 2025 (filed on 10-07-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 69, micro). It does better than 49% of them on solvency, 33% on liquidity, 30% on profitability and 42% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 31,368 companies had the same profile as CRISTAL CONSULTING has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of CRISTAL CONSULTING itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 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 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 31,368 companies, not a prediction for CRISTAL CONSULTING. 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 of up to €12,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.71 (0.46 in 2024), below 1. Short-term debt is 20.5% and cash 6.5% of total assets. 46.7% of the assets are financed with debt and provisions.
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
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 days early
2024
35 days early
2023
7 days late
2022
17 days late
2021
5 days early
2020
25 days late
2019
8 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 3 days before the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 26 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
AC
ARKOULIS Christos
Director, since 02-05-2000
Shares in 1 company, S.A.T.C. Comptables-Fiscalistes
Board & ownershipRecent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0465576244
Purpose change · Amendment of the articles · Legal-form change · Resignations & appointments
“L'organisation de la comptabilité et des services comptables et les activités de conseil en matière…” (deed in French) · Director in office: ARKOULIS Christos (sole director) · General meeting of 26-10-2023 · Gazette deed
Incorporation
published on 19-03-1999 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CRISTAL CONSULTING Waterloo | €259,234 | €63,034 | 53.3% | - |
| DIDIER GORTEMAN ACCOUNTANCY & CONSULT La Hulpe | €243,566 | €56,337 | 75.6% | - |
| MEANS Walcourt | €252,202 | €62,813 | 65.2% | - |
| VHM EXPERTISES COMPTABLES ET FISCALES Charleroi | €243,666 | €65,114 | 95.1% | - |
| VENSTRO Dilsen-Stokkem | €282,439 | €65,849 | 74.9% | - |
| Auficom Belgium Grimbergen | €296,462 | €62,041 | 73.4% | - |
| Joos Bart – gecertificeerd fiscaal accountant Berlare | €260,560 | €63,738 | 74.4% | - |
These companies have the same main activity as CRISTAL CONSULTING: certified accountants and tax accountants (NACE 69201). They are comparable in size and age: total assets between €244,000 and €296,000, founded between 1997 and 2002.
Official details
Source: KBO- Status
- Active since 12-03-1999Normal situation
- Activity
- Certified accountants and tax accountantsNACE 69201
- Financial year end
- 31 December
- Peppol
- Reachable since 26-06-2025
Annual accounts 2025
- €259,234▼ 3.7%
- Filing
- Filed on 10-07-2026, 21 days before the end of the filing period
Insights on CRISTAL CONSULTING
CRISTAL CONSULTING files the abbreviated format. That format states no turnover. The gross margin rose from -€12,367 in 2006 to €63,034 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CRISTAL CONSULTING
- What is the company number of CRISTAL CONSULTING?
- The company number of CRISTAL CONSULTING is 0465.576.244. The VAT number is the same number with BE in front: BE 0465.576.244.
- Where is CRISTAL CONSULTING based?
- The registered office is at Clos de la Gibecière 7, 1410 Waterloo.Company details
- What does CRISTAL CONSULTING do?
- According to the KBO register, the main activity is certified accountants and tax accountants (NACE 69201).
- What is the legal form of CRISTAL CONSULTING?
- CRISTAL CONSULTING is a private limited company (BV).
- When was CRISTAL CONSULTING founded?
- CRISTAL CONSULTING was founded on 12-03-1999.
- Is CRISTAL CONSULTING still active?
- Yes, CRISTAL CONSULTING is an active enterprise in the KBO register.
- What is the turnover of CRISTAL CONSULTING?
- The turnover in financial year 2025 is ≈ €130,000. This figure is estimated from the gross margin of €63,034 and 70 comparable companies (NACE 69201). It probably lies between €100,000 and €180,000.Financials
- Is CRISTAL CONSULTING profitable?
- In financial year 2025, CRISTAL CONSULTING made a profit of €18,188.
- Where can I find the annual accounts of CRISTAL CONSULTING?
- CRISTAL CONSULTING filed 27 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CRISTAL CONSULTING due?
- CRISTAL CONSULTING must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.