De Consultant
ActiveDe Consultant has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16k and a net result of €85k. Equity is growing by ~25% per year across the filed fiscal years. Its solvency ranks better than 16% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+6
Solvency34▼-35
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.02 against 2.11 in 2024; short-term debt: 85.3% and cash: 35.8% of total assets), and 90.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
9.3%
Return on assets
50.1%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 31662 sector peers (2025).
NBB · sector comparisonPosition among 31662 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-03-2026, 30 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
30 d early
2024
19 d early
2023
35 d early
2022
34 d early
2021
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€16k▼ 65.3%
2024 · €45k
2021: €11k
2022: €12k
2023: €24k
2024: €45k
2021 → 2025
Total assets
€170k▲ 66.2%
2024 · €102k
2021: €28k
2022: €92k
2023: €95k
2024: €102k
2021 → 2025
Net result
€85k▲ 304%
2024 · €21k
2021: €10k
2022: €1k
2023: €12k
2024: €21k
2021 → 2025
Working capital
€3k▼ 92.7%
2024 · €36k
2021: €9k
2022: €3k
2023: €13k
2024: €36k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k-€12k▲ 11.6%€24k▲ 95.1%€45k▲ 86.6%€16k▼ 65.3%
Operating result€15k-€6k▼ 61.8%€17k▲ 191%€29k▲ 78.3%€110k▲ 273%
Net result€10k-€1k▼ 87.2%€12k▲ 813%€21k▲ 77.8%€85k▲ 304%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 273% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €170k
Fixed assets
€22k▼ 34.2%
Current assets
€148k▲ 116%
Equity and liabilities €170k
Equity
€16k▼ 65.3%
Debt
€155k▲ 171%
The debt ratio rises from 55.7% to 90.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€122k▲
2024 · €42k
Cash flow
€97k▲
2024 · €34k
Solvency
9.3%▼
2024 · 44.3%
Current ratio
1.02▼
2024 · 2.11
Quick ratio
1.02▼
2024 · 2.11
Debt / equity
9.81▲
2024 · 1.26
ROE
541.4%▲
2024 · 46.4%
ROA
50.1%▲
2024 · 20.6%
Interest coverage
373.15▲
2024 · 104.78
Debt
€155k▲
2024 · €57k
Debt ≤ 1 year
€145k▲
2024 · €33k
Debt > 1 year
€9k▼
2024 · €22k
Income taxes
€24k▲
2024 · €8k
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€102k€170k▲
Fixed assets21/28€34k€22k▼
Tangible fixed assets22/27€33k€22k▼
Plant, machinery and equipment23€950€456▼
Furniture and vehicles24€32k€22k▼
Financial fixed assets28€2k-
Current assets29/58€68k€148k▲
Amounts receivable within one year40/41€27k€87k▲
Trade receivables40€27k€87k▲
Cash at bank and in hand54/58€41k€61k▲
Equity and liabilities
Total equity and liabilities10/49€102k€170k▲
Equity10/15€45k€16k▼
Contributions10/11€1k€1k=
Reserves13€10k€10k=
Distributable reserves133€10k€10k=
Profit (loss) carried forward14€34k€5k▼
Amounts payable17/49€57k€155k▲
Amounts payable after more than one year17€22k€9k▼
Financial debts170/4€22k€9k▼
Amounts payable within one year42/48€33k€145k▲
Current portion of amounts payable after more than one year42€12k€12k▲
Trade debts44€3k€6k▲
Suppliers440/4€3k€6k▲
Taxes, remuneration and social security45€15k€30k▲
Taxes450/3€11k€21k▲
Remuneration and social security454/9€3k€10k▲
Other amounts payable47/48€2k€97k▲
Accrued charges and deferred income492/3€3k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▼
Other operating charges640/8€132€1k▲
Gross operating margin9900€42k€123k▲
Operating profit (loss)9901€29k€110k▲
Financial charges65/66B€400€327▼
Recurring financial charges65€400€327▼
Profit (loss) for the period before taxes9903€29k€110k▲
Income taxes67/77€8k€24k▲
Profit (loss) for the period9904€21k€85k▲
Profit (loss) for the period to be appropriated9905€21k€85k▲
Appropriation of the result
Profit (loss) to be appropriated9906€34k€120k▲
Profit (loss) brought forward from the previous period14P€13k€34k▲
Profit to be distributed694/7-€115k
Return on contributions (dividend)694-€115k
The notes to these accounts (7 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
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2021net €85k ▲304%
Operating result €110k, net result €85k, both a record.
11-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €1k ▼87.2%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
27-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Nazareth-De Pinte · 1 establishment unit since 2021
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.
Bommelstraat 259840 Nazareth-De PinteGround area
1,408 m²
Building footprint
256 m²
Volume, LiDAR
1,379 m³
Parcel 44012B0471/00E000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
De Consultant
since 20212.316.102.652
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44012B0471/00E000 | Flanders | 1,408 m² | 1 · 256 m² | 8.6 m · 2 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 1,409 EUR awarded · 1,409 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,409 EUR | 1,409 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 27,995 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-04-2021
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.