DENDRE CONSULT
ActiveDENDRE CONSULT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €102k and a net result of €161k. Equity is shrinking by ~11% per year across the filed fiscal years. Its solvency ranks better than 21% of 782 sector peers (fiscal year 2024). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 782 sector peers (2024).
NBB · sector comparisonPosition among 782 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-06-2025, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
51 d early
2023
13 d early
2022
47 d early
2021
26 d early
2020
20 d late
2019
11 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Equity
€102k
2023 · €-59k
2018: €69k
2019: €69k
2020: €69k
2021: €46k
2022: €-76k
2023: €-59k
2018 → 2024
Net result
€161k▲ 832%
2023 · €17k
2018: €7k
2019: €85k
2020: €41k
2021: €-23k
2022: €-123k
2023: €17k
2018 → 2024
Total assets
€866k▲ 1.7%
2023 · €851k
2018: €351k
2019: €427k
2020: €305k
2021: €792k
2022: €733k
2023: €851k
2018 → 2024
Solvency
11.7%▲ 18.7pp
2023 · -6.9%
2018: 19.7%
2019: 16.2%
2020: 22.7%
2021: 5.9%
2022: -10.4%
2023: -6.9%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€69k-€46k▼ 33.1%€-76k€-59k▲ 22.6%€102k
Operating result€61k-€-20k€-114k▼ 468%€-115k▼ 1.0%€11k
Net result€41k-€-23k€-123k▼ 435%€17k€161k▲ 832%
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €11k after a loss of €115k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €866k
Fixed assets
€674k▼ 4.7%
Current assets
€192k▲ 33.2%
Equity and liabilities €866k
Equity
€102k
Debt
€764k
Debt finances 88.3% of the balance-sheet total.
Key figures and ratios
Solvency
11.7%▲
2023 · -6.9%
ROE
158.0%▲
2023 · -29.2%
ROA
18.6%▲
2023 · 2.0%
Debt
€764k▼
2023 · €910k
Debt ≤ 1 year
€431k▼
2023 · €512k
Debt > 1 year
€333k▼
2023 · €398k
Income taxes
€875▲
2023 · €751
Staff costs
€436k▲
2023 · €410k
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€851k€866k▲
Fixed assets21/28€708k€674k▼
Intangible fixed assets21€19k€6k▼
Tangible fixed assets22/27€93k€73k▼
Plant, machinery and equipment23€6k€6k▼
Furniture and vehicles24€84k€66k▼
Other tangible fixed assets26€3k€2k▼
Financial fixed assets28€595k€595k=
Current assets29/58€144k€192k▲
Amounts receivable within one year40/41€130k€161k▲
Trade receivables40€120k€157k▲
Other amounts receivable41€11k€4k▼
Cash at bank and in hand54/58€100€19k▲
Deferred charges and accrued income490/1€13k€12k▼
Equity and liabilities
Total equity and liabilities10/49€851k€866k▲
Equity10/15€-59k€102k▲
Contributions10/11€29k€29k=
Reserves13€3k€3k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€-91k€69k▲
Amounts payable17/49€910k€764k▼
Amounts payable after more than one year17€398k€333k▼
Financial debts170/4€398k€333k▼
Amounts payable within one year42/48€512k€431k▼
Current portion of amounts payable after more than one year42€67k€65k▼
Financial debts43€10k€0▼
Credit institutions430/8€10k€0▼
Trade debts44€15k€76k▲
Suppliers440/4€15k€76k▲
Taxes, remuneration and social security45€111k€100k▼
Taxes450/3€20k€22k▲
Remuneration and social security454/9€91k€78k▼
Other amounts payable47/48€309k€190k▼
Income statement
Code20232024
Remuneration, social security and pensions62€410k€436k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€37k▲
Other operating charges640/8€16k€17k▲
Gross operating margin9900€337k€501k▲
Operating profit (loss)9901€-115k€11k▲
Financial income75/76B€141k€160k▲
Recurring financial income75€141k€160k▲
Financial charges65/66B€8k€9k▲
Recurring financial charges65€8k€9k▲
Profit (loss) for the period before taxes9903€18k€162k▲
Income taxes67/77€751€875▲
Profit (loss) for the period9904€17k€161k▲
Profit (loss) for the period to be appropriated9905€17k€161k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-91k€69k▲
Profit (loss) brought forward from the previous period14P€-109k€-91k▲
Transfer from equity791/2€0-
Social balance
Average headcount (FTE)90877.37.3=
The notes to these accounts (23 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €161k ▲832%
Net result €161k, the highest in the series.
31-12
Financial
Equity above €100kEq €102k
2 profitable years in a row build equity to €102k.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €17k
Net result €17k after 2 loss-making years.
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €-123k
Net result drops to €-123k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 20 days late
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 26 days late
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 days late
2016
24-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Lens (Hainaut) · 3 establishment units since 2015
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.
Grand'Place(L) 77870 Lens (Hainaut)Ground area
2,100 m²
Building footprint
654 m²
Volume, LiDAR
4,956 m³
3 parcels, Wallonia · tallest building 16.3 m, ±5 floors. Linked by address, not a title deed.
3 establishment units
DENDRE CONSULT
since 20152.245.537.429
Dendre Consult Rebecq
since 20252.387.359.842
Dendre Consult Enghien
since 20252.387.360.139
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55033D0059/00C000 ProtectedSite or landscape |
Wallonia | 1,179 m² | 1 · 314 m² | 16.2 m · 5 fl. |
| 25090B0057/00V000 | Wallonia | 695 m² | 1 · 185 m² | - |
| 53046E0291/00B000indicative | Wallonia | 226 m² | 1 · 155 m² | 6.8 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
2 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
Serge LAMOCK Bureaux Conseils
BE 0419.641.497
Paliseul · Eq €102k
DG MGMT
BE 0798.900.116
Colfontaine · Eq €102k
VYNCKE & STAELENS
BE 0683.677.477
Oostende · Eq €101k
RAMMELBEEK
BE 0685.708.836
Beveren-Kruibeke-Zwijndrecht · Eq €102k
MM Finance
BE 0800.628.892
Mechelen · Eq €101k
Of 1,679 companies in sector 66191 we hold annual accounts for 1,227. 1,057 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-08-2015
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.