Turnover
≈ €140,000 estimated
The micro format states no turnover.
D&E Consulting
Overview
Lifetime
2 annual accounts with figures on one time axispeak €48,727 (2025)
€48,727▲ 388%
peak €34,423 (2025)
€34,423▲ 362%
peak €44,375 (2025)
€44,375▲ 346%
€23,840▲ 216%
Board1 name since 2024
1 directorDEGLI-ESPOSTI Laurent
Documentsfilings and deeds
16-06-202645 days before the deadline
2025micro format
Gross margin from €9,986 to €48,727Result from €7,452 to €34,423Equity from €9,952 to €44,375Debts from €7,540 to €23,840
Key points
from the 2025 annual accountsStarting capital
€2,500 100 shares
Checked score
90
Excellent
Financially stronger than 65% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,572 companies (NACE 70, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: 0.1%
02-2026: 0.1%● unchanged vs 01-2026lowest value
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: 0.2%▲ +0.1 percentage points vs 06-2026
08-2026: 0.2%● unchanged vs 07-2026
09-2026: 0.2%● unchanged vs 08-2026highest value
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
Liquidity: current ratio 2.86, cash €1,777
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Figures for financial year 2025 (filed on 16-06-2026)
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 70, micro). It does better than 60% of them on solvency, 18% on liquidity, 84% on profitability and 97% 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, 11,279 companies had the same profile as D&E Consulting has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of D&E Consulting itself: 0.2% 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 11,279 companies, not a prediction for D&E 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 €3,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.86 (2.6 in 2024), above the usual 1.5. Short-term debt is 34.9% and cash 2.6% of total assets. 34.9% 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 16-06-2026, 45 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
45 days early
2024
35 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 40 days before the deadline. In the sector (NACE 70), 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.
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- DEGLI-ESPOSTI Laurent Joseph Michel 100 sharesdeed of 24-12-2024
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1017744388
Incorporation
Founding capital of €2,500, 100 shares · Founder: DEGLI-ESPOSTI Laurent Joseph Michel · Appointment: DEGLI-ESPOSTI Laurent (director) · published on 24-12-2024 · Gazette deed
First establishment
Place de la Ferme-Ecole 5, Waterloo
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| D&E Consulting Waterloo | €68,216 | €48,727 | 65.1% | - |
| VL LAW MANAGEMENT Waterloo | €60,932 | €55,036 | 75.3% | - |
| GAN Management Waterloo | €61,818 | €44,598 | 58.8% | - |
| SOFIDEN Braine-l'Alleud | €73,847 | €47,614 | 52.7% | - |
| SAOLA Nivelles | €70,490 | €45,023 | 64.2% | - |
| Lasido Jodoigne | €64,011 | €52,514 | 62.9% | - |
| ISALIS Ottignies-Louvain-la-Neuve | €69,697 | €50,374 | 59.4% | - |
These companies have the same main activity as D&E Consulting: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €60,900 and €73,800, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 20-12-2024Normal situation
- Activity
- Business and other management consultancyNACE 70200and 1 other
- Establishment unit
- 2.373.200.9111410 Waterloo, since 20-12-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 20-07-2025
Annual accounts 2025
- €48,727▲ 388%
- €34,423▲ 362%
- €44,375▲ 346%
- €68,216▲ 290%
- Filing
- Filed on 16-06-2026, 45 days before the end of the filing period
Insights on D&E Consulting
D&E Consulting has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €44,375 and a net result of €34,423.
Its solvency ranks better than 60% of 39,368 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 16-06-2026, 45 days before the deadline€48,727
▲ 388%
€46,910
▲ 372%
€34,423
▲ 362%
€44,375
▲ 312%
65.1%
▲ 8.2 percentage points
2.86
▲ 0.26
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €140,000. Estimated: probably between €85,000 and €190,000.
Balance sheet
balance sheet total €68,216 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
65.1%
Higher than 60% of 39,368 companies in 2025.
2.86
Higher than 61% of 38,051 companies in 2025.
50.5%
Higher than 87% of 38,523 companies in 2025.
D&E Consulting
Middle half of the sector
80% of the sector
Micro accounts in head offices and management consultancy (NACE 70)
Net result: middle half · 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 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
68,216 | 17,492 | |
29/58 |
68,216 | 17,492 | |
40/41 |
65,511 | 14,792 | |
40 |
11,771 | 14,792 | |
41 |
53,739 | - | |
54/58 |
1,777 | 2,500 | |
490/1 |
927 | 200 | |
| Balance sheet: equity and liabilities | |||
10/49 |
68,216 | 17,492 | |
10/15 |
44,375 | 9,952 | |
10/11 |
2,500 | 2,500 | |
13 |
41,850 | 7,452 | |
133 |
41,850 | 7,452 | |
14 |
25 | - | |
17/49 |
23,840 | 7,540 | |
42/48 |
23,840 | 6,724 | |
44 |
2,600 | 1,925 | |
440/4 |
2,600 | 1,925 | |
45 |
21,241 | 4,800 | |
450/3 |
21,241 | 4,800 | |
492/3 |
- | 816 | |
| Income statement | |||
9900 |
48,727 | 9,986 | |
640/8 |
1,817 | 50 | |
9901 |
46,910 | 9,936 | |
75/76B |
997 | - | |
75 |
997 | - | |
65/66B |
56 | - | |
65 |
56 | - | |
9903 |
47,852 | 9,936 | |
67/77 |
13,428 | 2,484 | |
9904 |
34,423 | 7,452 | |
9905 |
34,423 | 7,452 | |
| Appropriation of the result | |||
9906 |
34,423 | 7,452 | |
691/2 |
34,398 | 7,452 | |
6921 |
34,398 | 7,452 | |
| Document | |||
The notes to these accounts have 1 item. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 16-06-2026.
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 |
|---|---|---|---|
| -723 | - | ||
| 44,375 | 10,768 | ||
| 65.1% | 56.9% | ||
| 2.86 | 2.60 | ||
| 0.54 | 0.76 | ||
| 77.6% | 74.9% | ||
| 50.5% | 42.6% |
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.
Insights on D&E Consulting
The operating result for 2025 is 4.7 times that of 2024.
Debt's share of the balance-sheet total falls from 43.1% to 34.9%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationDirector
since 20-12-2024
term without a fixed end
listed in the 2024 annual accounts, filed on 26-06-2025
Mandates through the years
1 name, the dashed line is todayDEGLI-ESPOSTI Laurent
Director
Director
Board
Mandates as a list
- DEGLI-ESPOSTI Laurent
- Director, from 20-12-2024 to date
Control
Founder
DEGLI-ESPOSTI Laurent Joseph Michel
This company
D&E Consulting
Equity €44,375
Profit €34,423 in 2025
Capital
- Contribution
- €2,500
- Shares
- 100
- Contribution per share
- €25
- Equity per share
- €444 in 2025
- Source
- deed of 24-12-2024
Articles of association
deed of 24-12-2024 (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.
- “Fixe ou proportionnelle, assemblée générale décide si mandat exercé gratuitement”
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 24-12-2024 ↗
- DEGLI-ESPOSTI Laurent Joseph Michel 100 shares (100%) · €2,500 in cash
Network & group
No group
D&E Consulting has no parent and no holdings in its annual accounts. DEGLI-ESPOSTI Laurent is the only director. D&E Consulting shares no director with another company.
Timeline
Timeline
5 events since 2024Filings
Establishments
202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 45 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1017744388
Annual accounts 2024 filed NBBmicro format · 35 days before the deadline
2024
IncorporationFounding capital of €2,500, 100 shares · Founder: DEGLI-ESPOSTI Laurent Joseph Michel · Appointment: DEGLI-ESPOSTI Laurent (director) · published on 24-12-20247 points ▸
- Registered office clause, Place de la Ferme Ecole, n°5 boite 2, 1410 Waterloo
- Director appointment, DEGLI-ESPOSTI Laurent
- Permanent representative, DEGLI-ESPOSTI Laurent
- Founder, DEGLI-ESPOSTI Laurent Joseph Michel
- DEGLI-ESPOSTI Laurent Joseph Michel holds all the shares
- Founding capital, €2,500, 100 shares
- 100 shares
- The deed holds 14 more points.
First establishment Place de la Ferme-Ecole 5, Waterloo
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
D&E Consulting was incorporated on 20 December 2024 as a private limited company by one natural person, with a starting capital of €2,500.12 Since 2024, DEGLI-ESPOSTI Laurent has served as director.3 The company has filed 2 sets of annual accounts, the latest for financial year 2025.4
Company details
Identity
- Enterprise number
- 1017.744.388
- VAT number
- BE 1017.744.388
- Peppol ID
- 0208:1017744388
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 20-12-2024
- Financial year
- ends on 31 December
- Peppol
- Reachable since 20-07-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- D&E Consulting in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 24-12-2024 (in French)
- Name clauseThe company operates under this name according to its articles.
- D&E Consultingdeed of 24-12-2024 (in French)
Activities
NACEBEL 202570200
Business and other management consultancy main activity
Codes under NACEBEL 2008
70220
Business consulting main activity
46160
Wholesale trade
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L'achat,la vente,l'importation,l'exportation et la fabrication de lingerie,vêtements,sous-vêtements,linges de maison,trousseau pour…”deed of 24-12-2024 (in French)
13 activities
- L'achat,la vente,l'importation,l'exportation et la fabrication de lingerie,vêtements,sous-vêtements,linges de maison,trousseau pour hommes,dames,garçonnets et fillettes,de tous articles textiles,de vêtements et de chaussure,de maroquinerie
- Assister les sociétés et les personnes dans la gestion des entreprises
- Assurer la direction générale,la direction financière,la gestion des ressources humaines sur une base temporaire et permanente
- Conseiller en matière de restructuration d'entreprise,rétablissement de la compétitivité et de la rentabilité
- Contribuer à la réflexion et au choix des options stratégiques au sein des organes de gestion de l'entreprise
- Conseiller la direction dans quelques domaines que ce soient,en tant que conseiller,gestionnaire,administrateur
- Assister les sociétés familiales dans la formation et le coaching des cadres destinés à la succession et à la transmission de l'entreprise
- Assurer toutes missions à la demande de la Direction des Entreprises,du Conseil d'Administration,de l'Assemblée Générale
- Conseiller en toutes matières concernant la gestion des entreprises en général
- Etablir un bilan des risques,des entreprises,les évaluer et mettre en œuvre des plans de sauvegarde
- Assister et conseiller les personnes physiques dans la gestion de leurs avoirs privés et de leurs activités professionnelles
- Le courtage immobilier et de fonds de commerce,l'achat,la mise en vente,la vente,la construction,la transformation,le lotissement,la mise en valeur,la mise en location,la location d'immeuble pour son compte ou pour compte de tiers
- La gestion dans la plus large acceptation du terme,de son patrimoine mobilier et immobilier et plus précisément sa mise en location et son entretien
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Place de la Ferme-Ecole 5 registered office 1410 Waterloo | 20-12-2024 | 2.373.200.911 |
Buildings and parcels at the address
- Ground area
- 2,470 m²
- Buildings
- 675 m²
- Volume, LiDAR
- 5,702 m³
- Tallest building
- 10.3 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 25762G0500/00B004 ProtectedArchitectural ensembleCertains bâtiments de l'Institut médico-pédagogique provincial situé 36, drève des Dix mètres, à Waterloo à savoir:
- un corps de garde (conciergerie),
- un pavillon d'accueil (administration),
- une cuisine et réfectoire,
- quatre demi-pavillon ...Source ↗ | 2,470 m² | 1 · 675 m² | 10.3 m · 2 |
1 of these parcels carries protected heritage. Expect extra rules on renovation or sale.