Active BE 0845.228.405Private limited company

DEFYCONSULT

Rue de l'Ancienne Passerelle(SL) 18 ·7730 Estaimpuis, Belgium· 14 yrs active

Sector: Other activities auxiliary to financial services, excluding insurance and pension funding (66199)

Conclusion Checked

DEFYCONSULT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €214k and a net result of €7k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 61% of 2351 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€214k
Net result	€7k
Better than sector	61%
Active	14 yrs

Financial profile 4 of 5 axes measured · computed by Checked

67 / 100

Strong profile, led by stability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 16

Solvency 99

Growth 52

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Established

Founded in 2012, 14 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Financial overview11 NBB filings

Annual accounts filed on 31-10-2025 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

stable Equity: stable across 4 fiscal years (±2.2%/year).

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 66, Activities auxiliary to financial services and insurance activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	62.7%	50.6%	better than 61% of 2351 sector peers
Net result	€7k	€33k	better than 27% of 2351 sector peers
Equity	€214k	€127k	better than 63% of 2353 sector peers
Gross operating margin	€6k	€105k	better than 11% of 2351 sector peers
Total assets	€342k	€359k	better than 49% of 2352 sector peers

Net profit

€7k

+73.7% 22-25

Total assets

€342k

+11.7% 22-25

Equity

€214k

+3.4% 22-25

Income taxes

€6k

+55.2% 22-25

Debt

€128k

+29.2% 22-25

Debt ≤ 1y

€128k

+29.2% 22-25

Solvency

62.7%

-7.5% 22-25

ROE

3.3%

+68.0% 22-25

ROA

2.0%

+55.5% 22-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022
Deposit	micro schema	micro schema	micro schema	micro schema
Revenue	n/a	n/a	n/a	n/a
EBITDA	n/a	n/a	n/a	n/a
Net profit	€7k	€4k	€4k	€73k
Cash flow	n/a	n/a	n/a	n/a
Staff costs	-	-	-	-
Income taxes	€6k	€4k	€4k	€39k
Dividends	-	-	-	-
Total assets	€342k	€306k	€316k	€315k
Equity	€214k	€207k	€203k	€200k
Debt	€128k	€99k	€113k	€116k
of which ≤ 1y	€128k	€99k	€113k	€116k
of which > 1y	-	-	-	-
Working capital	n/a	n/a	n/a	n/a
Employees (FTE)	-	-	-	-

Ratios (computed)

	2025	2024	2023	2022
Current ratio	n/a	n/a	n/a	n/a
Quick ratio	n/a	n/a	n/a	n/a
Working capital ratio	n/a	n/a	n/a	n/a
Solvency	62.7%	67.7%	64.3%	63.3%
Debt / equity	n/a	n/a	n/a	n/a
Long-term debt ratio	n/a	n/a	n/a	n/a
Interest coverage	n/a	n/a	n/a	n/a
Gross margin	n/a	n/a	n/a	n/a
Net margin	n/a	n/a	n/a	n/a
ROA	2.0%	1.3%	1.2%	23.3%
ROE	3.3%	1.9%	1.8%	36.8%
EBITDA margin	n/a	n/a	n/a	n/a
Days sales outstanding	n/a	n/a	n/a	n/a
Days payable outstanding	n/a	n/a	n/a	n/a
Inventory turnover	n/a	n/a	n/a	n/a
Days inventory (DSI)	n/a	n/a	n/a	n/a

Balance-sheet composition 2025

Equity & liabilities

Equity €214k · 62.7% Debt €128k · 37.3%

Full annual accounts (20 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022
Balance sheet, Assets
TOTAL ASSETS	20/58	€342k	€306k	€316k	€315k
Current assets	29/58	€342k	€306k	€316k	€315k
Amounts receivable within one year	40/41	€62k	€26k	€1k	€8k
Cash & bank	54/58	€392	€27	€113	€3k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€342k	€306k	€316k	€315k
Equity	10/15	€214k	€207k	€203k	€200k
Contributions / capital	10/11	€1k	€1k	€1k	€1k
Reserves	13	€212k	€205k	€201k	€197k
Accumulated profits (losses)	14	€1k	€1k	€1k	€1k
Amounts payable	17/49	€128k	€99k	€113k	€116k
Amounts payable within one year	42/48	€128k	€99k	€113k	€116k
Trade debts payable within one year	44	€1k	€1k	€4k	€4k
Income statement
Gross operating margin	9900	€6k	€112	€36	€105k
Operating result	9901	€6k	€-272	€-311	€104k
Financial income	75	€8k	€8k	€8k	€8k
Financial charges	65	€160	€129	€171	€109
Result before taxes	9903	€13k	€8k	€8k	€113k
Income taxes	67/77	€6k	€4k	€4k	€39k
Net result for the period	9904	€7k	€4k	€4k	€73k
Result to be appropriated	9905	€7k	€4k	€4k	€73k

Legal Structure

NACE primary	Other activities auxiliary to financial services, excluding insurance and pension funding(66199)
Legal form	Private limited company(610)
Incorporation	13-04-2012
Status	Active
Postal code	7730

Establishment units 1 location

Rue de l'Ancienne Passerelle(SL) 18, 7730 Estaimpuis

Wholesale trade

since 20122.208.969.023

Real-estate footprint Source: CBE × cadastre

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
57075B0200/00G000	Wallonia	216 m²	-	-

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.

Updates 10 events

All 12Financial 2Filings 10

Next filing, fiscal year 2026, expected by 31-10-2026

2025

31-10

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2024

08-12

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 38 days late

2023

30-11

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 30 days late

31-03

Financial Weakest financial yearnet €4k ▼94.9%

Net result drops to €4k, the lowest in the series; recovery starts the following year.

31-03

Financial Equity above €200kEq €203k ▲1.9%

2 profitable years in a row build equity to €203k.

2022

09-11

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 9 days late

2021

30-11

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 30 days late

2020

31-12

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 61 days late

2019

14-11

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 14 days late

2018

08-11

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 8 days late

2017

31-10

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

31-03

NBB filing Annual accounts filed

fiscal year 2015 · full schema · 517 days late

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

Belgian State Gazette reading coverage 0 of 5 acts read

We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Other activities auxiliary to financial services, excluding insurance and pension funding66199Agents in non-specialised wholesale trade46190Retail sale of solid, liquid and gaseous fuels, excluding motor fuels47781Retail trade47990Business and other management consultancy70200Business consulting70220Market research and public opinion polling73200

Names & trade names

Legal nameFR

DEFYCONSULT

Similar companies Comparable size · 897 of 1,503 companies in this sector with filed accounts

PINDEC BE 0716.789.022 · Antwerpen

MIDI MANAGEMENT BE 0477.413.313 · Herenthout

J.E. INVEST BE 0475.305.146 · Chaudfontaine

PcR.com BE 0417.231.939 · Mechelen

ACIES BE 0696.832.855 · Schoten