DEFIGEST CONSEIL

Active

Private limited companyfounded 199135 yrs activeRue Bacameleye 69, 4620 Fléron, BelgiumKBO/BCE: BE 0444.792.015

Summary

DEFIGEST CONSEIL has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.7m and a net result of €206,983. Equity is shrinking by ~3% per year across the filed fiscal years. Its solvency ranks better than 77% of 758 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch Report Compare

DEFIGEST CONSEILActiveChecked score 93/100

Risk analysis Report Compare

Activity

Market research and public opinion polling

NACE 73200NACE 74131

#4 oldest company in Fléron, Professional and technical services sector2 sites

Size

€2.3mtotal assets 2025

Equity: €1.7m
Profit: €206,983

Financial health

93 Excellent Checked score 2025

Bankruptcy chance 12 m: < 0.1%

Structure

Holdings: 1

Accounts 31 d early1 of 6 deeds read

Why 93- Liquidity: current ratio 2.76, cash €113,819, halved+ Size: total assets €2.3m+ Founded in 1991+ Equity €1.7m (75.2% of total assets)Show the evidence

Checked score

Score 2025

93 / 100

Excellent

Probability in this band: under 0.55%

Better than 46% of its sector peers (NACE 73, small)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 100=

equity 75.2% of total assets

Liquidity 48-44

short-term debt 22.6% · cash 4.9%

Profitability 46-25

return on assets 8.9%

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (712 companies)

Last 12 months 11-2025: < 0.1%lowest value 12-2025: < 0.1%▲ +12.0% vs 11-2025 01-2026: < 0.1%▲ +3.6% vs 12-2025 02-2026: < 0.1%● 0.0% vs 01-2026 03-2026: < 0.1%● 0.0% vs 02-2026 04-2026: < 0.1%▲ +48.3% vs 03-2026highest value 05-2026: < 0.1%● 0.0% vs 04-2026highest value 06-2026: < 0.1%● 0.0% vs 05-2026highest value 07-2026: < 0.1%● 0.0% vs 06-2026highest value 08-2026: < 0.1%● 0.0% vs 07-2026highest value 09-2026: < 0.1%● 0.0% vs 08-2026highest value 10-2026: < 0.1%● 0.0% vs 09-2026highest value

Size: total assets €2.3m lowers the probability for this profile
Founded in 1991 lowers the probability for this profile
Liquidity: current ratio 2.76, cash €113,819, halved raises the probability
Equity €1.7m (75.2% of total assets) lowers the probability

Credit up to €160,000 at 30 days acceptable

Liquidity ample (current ratio 2.76 against 2.75 in 2024; short-term debt: 22.6% and cash: 4.9% of total assets), and 24.8% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 73, small). Better than this share of them on solvency 87%, liquidity 43%, profitability 35%, growth against the median 21%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

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

−lowers risk+raises risk○neutral

Size: total assets €2.3m

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Founded in 1991

In the bankruptcy model this factor lowers the probability for this profile.

KBO

Liquidity: current ratio 2.76, cash €113,819, halved

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Equity €1.7m (75.2% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

31 d early

2024

176 d early

2023

166 d early

2022

108 d early

2021

44 d early

2020

152 d early

2019

44 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 103 days before the deadline; the sector median for financial year 2024 is 6 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 12 January (4 of the last 5 filed years within 68 days of that day).

Companies Code · seven months

Position in the running window

30-09-2026 close02-10-2026 today30-04-2027 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

11-05-26 Capital & shares · Statutes amendmentCapital · Board rule ·…
30-03-26 Annual accounts filedfiscal year 2025 · full…
30-09-25 Weakest financial yearnet €206,983 ▼27.5%

Key points

Positive: Oldest company in Fléron, Professional and technical services…in the Checked rankings #4 View
Positive: Always filed on timeaccounts within the deadline every year 8 years View
Positive: 7 profitable years in a rowprofit 2025: €206,983 7 years View
Caution: Result fell in 2025from €285,650 to €206,983 ▼ 27.5% View