CROMA CONSULTING

Active

Private limited companyfounded 199828 yrs activeEugeen Dierckxlaan 13, 2970 Schilde, BelgiumKBO/BCE: BE 0463.770.757

CROMA CONSULTING has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €83k and a net result of €-3k. Equity is shrinking by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 37971 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).

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Checked score

Score 2024

78 / 100

Excellent= vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability0=

Solvency100=

Growth58=

Stability100

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €7k at 30 days acceptable

Liquidity ample (current ratio 43.49 against 36.72 in 2023), and 1.2% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

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 →

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

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 2024

Solvency, return and age of the figures

Solvency

98.8%

Return on assets

-3.7%

Age of the figures

20 mo

Persistent losses

Two consecutive loss-making years (2023 and 2024); equity fell accordingly. May indicate structural pressure on profitability.

NBB · annual accounts 2024

Net result per financial year

18192021222324

2018 to 2024 · latest year -€3k

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-07-2025, 9 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

9 d early

2023

36 d early

2022

5 d early

2021

39 d early

2020

2 d early

2019

45 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€83k▼ 3.6%

2023 · €87k

2018: €115k 2019: €115k 2020: €109k 2021: €100k 2022: €91k 2023: €87k

2018 → 2024

Total assets

€84k▼ 3.5%

2023 · €87k

2018: €526k 2019: €119k 2020: €114k 2021: €107k 2022: €104k 2023: €87k

2018 → 2024

Net result

€-3k▲ 35.7%

2023 · €-5k

2018: €-11k 2019: €191 2020: €-6k 2021: €-9k 2022: €-9k 2023: €-5k

2018 → 2024

Working capital

€41k▲ 28.7%

2023 · €32k

2018: €-309k 2019: €9k 2020: €17k 2021: €21k 2022: €25k 2023: €32k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€109k-€100k▼ 8.2%€91k▼ 8.8%€87k▼ 5.3%€83k▼ 3.6%

Operating result€-6k-€-9k▼ 54.4%€-9k▲ 1.0%€-5k▲ 45.0%€-3k▲ 36.3%

Net result€-6k-€-9k▼ 53.7%€-9k▲ 0.9%€-5k▲ 44.8%€-3k▲ 35.7%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €3k in 2024 against €5k in 2023; the loss shrinks.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €84k

49.7%

50.3%

Fixed assets €42k▼ 22.8%

Current assets €42k▲ 28.2%

Equity and liabilities €84k

98.8%

Equity €83k▼ 3.6%

Debt €976▲ 8.2%

The debt ratio rises from 1.0% to 1.2%: debt grows while equity shrinks.

Key figures and ratios

2024 value · change against 2023

EBITDA

€9k▲

2023 · €8k

Cash flow

€9k▲

2023 · €8k

Solvency

98.8%▼

2023 · 99.0%

Current ratio

43.49▲

2023 · 36.72

Quick ratio

43.49▲

2023 · 36.72

Debt / equity

0.01▲

2023 · 0.01

ROE

-3.8%▲

2023 · -5.6%

ROA

-3.7%▲

2023 · -5.6%

Interest coverage

173.96▼

2023 · 193.84

Debt

€976▲

2023 · €902

Debt ≤ 1 year

€976▲

2023 · €902

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€87k€84k▼

Fixed assets21/28€54k€42k▼

Tangible fixed assets22/27€54k€42k▼

Land and buildings22€54k€42k▼

Current assets29/58€33k€42k▲

Amounts receivable within one year40/41€4-

Other amounts receivable41€4-

Cash at bank and in hand54/58€33k€42k▲

Equity and liabilities

Total equity and liabilities10/49€87k€84k▼

Equity10/15€87k€83k▼

Contributions10/11€19k€19k=

Reserves13€59k€59k=

Tax-exempt reserves132€20k€20k=

Distributable reserves133€38k€38k=

Profit (loss) carried forward14€9k€6k▼

Amounts payable17/49€902€976▲

Amounts payable within one year42/48€902€976▲

Trade debts44€235€303▲

Suppliers440/4€235€303▲

Advances received on contracts in progress46€151-

Taxes, remuneration and social security45-€158

Taxes450/3-€158

Other amounts payable47/48€516€516=

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k=

Other operating charges640/8€2k€2k▲

Gross operating margin9900€9k€11k▲

Operating profit (loss)9901€-5k€-3k▲

Financial charges65/66B€39€54▲

Recurring financial charges65€39€54▲

Profit (loss) for the period before taxes9903€-5k€-3k▲

Profit (loss) for the period9904€-5k€-3k▲

Profit (loss) for the period to be appropriated9905€-5k€-3k▲

Appropriation of the result

Profit (loss) to be appropriated9906€9k€6k▼

Profit (loss) brought forward from the previous period14P€14k€9k▼

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 13Financial 3Filings 10

2025

22-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

25-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Liquidity times 12current ratio 36.72

Current ratio from 2.98 to 36.72; short-term debt falls from €12k to €902.

26-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

22-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

29-07

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

16-06

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

31-12

Financial Back to profitnet €191

Net result €191 after one loss-making year.

31-12

Financial Liquidity times 937current ratio 3.11

Current ratio from 0.00 to 3.11; short-term debt falls from €310k to €4k.

27-06

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

31-07

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

2017

07-07

NBB filing Annual accounts filed

fiscal year 2016 · micro schema

2016

06-07

NBB filing Annual accounts filed

fiscal year 2015 · abbreviated schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

5 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, Schilde · 1 establishment unit since 1998

establishment approximate The establishment unit on the map

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.

Eugeen Dierckxlaan 132970 Schilde

Ground area

493 m²

Building footprint

117 m²

Volume, LiDAR

758 m³

Parcel 11922C0028/00S003, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

Eugeen Dierckxlaan 13, 2970 Schilde

NACE 7412401

since 19982.087.692.594

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11922C0028/00S003	Flanders	493 m²	1 · 117 m²	10.3 m · 3 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 40,093 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded09-07-1998

Fiscal year end31-12

Activities, NACEBEL

70200Business and other management consultancy

70220Business consulting

74142

80424

85599Other education

Sources

Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.