DESC CONSULT
ActiveThe computed 12-month bankruptcy probability of DESC CONSULT is 1.7% (moderate). The 2025 annual accounts show equity of €18k and a net result of €-12k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 46% of 7002 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency74▼-5
Growth52=
Track record94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity ample (current ratio 1.71 against 2.0 in 2024; short-term debt: 51.1% and cash: 22.5% of total assets), but 51.1% 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.
+raises risk○neutral
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
48.9%
Return on assets
-31.4%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2122232425
2021 to 2025 · latest year €-12k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
25 d late
2024
20 d late
2023
19 d late
2022
60 d late
2021
30 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€18k▼ 39.1%
2024 · €30k
2021: €15k
2022: €-1k
2023: €43k
2024: €30k
2021 → 2025
Total assets
€37k▼ 33.3%
2024 · €55k
2021: €71k
2022: €63k
2023: €113k
2024: €55k
2021 → 2025
Net result
€-12k▲ 14.4%
2024 · €-14k
2021: €10k
2022: €-16k
2023: €45k
2024: €-14k
2021 → 2025
Working capital
€13k▼ 47.7%
2024 · €26k
2021: €12k
2022: €-25k
2023: €41k
2024: €26k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15k-€-1k€43k€30k▼ 31.4%€18k▼ 39.1%
Operating result€15k-€-14k€64k€-8k€-7k▲ 10.1%
Net result€10k-€-16k€45k€-14k€-12k▲ 14.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7k in 2025 against €8k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €37k
Fixed assets
€5k▲ 14.7%
Current assets
€32k▼ 37.1%
Equity and liabilities €37k
Equity
€18k▼ 39.1%
Debt
€19k▼ 26.5%
The debt ratio rises from 46.4% to 51.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-5k▲
2024 · €-7k
Cash flow
€-10k▲
2024 · €-13k
Solvency
48.9%▼
2024 · 53.6%
Current ratio
1.71▼
2024 · 2.00
Quick ratio
1.71▼
2024 · 2.00
Debt / equity
1.04▲
2024 · 0.86
ROE
-64.3%▼
2024 · -45.7%
ROA
-31.4%▼
2024 · -24.5%
Interest coverage
-1.24▼
2024 · -1.21
Debt
€19k▼
2024 · €26k
Debt ≤ 1 year
€19k▼
2024 · €26k
Income taxes
€372▼
2024 · €374
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€55k€37k▼
Fixed assets21/28€4k€5k▲
Intangible fixed assets21€2k€3k▲
Tangible fixed assets22/27€2k€1k▼
Plant, machinery and equipment23€2k€1k▼
Current assets29/58€51k€32k▼
Amounts receivable within one year40/41€20k€24k▲
Trade receivables40€20k€24k▲
Other amounts receivable41€126€126=
Cash at bank and in hand54/58€22k€8k▼
Deferred charges and accrued income490/1€9k€0▼
Equity and liabilities
Total equity and liabilities10/49€55k€37k▼
Equity10/15€30k€18k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€25k€13k▼
Amounts payable17/49€26k€19k▼
Amounts payable within one year42/48€26k€19k▼
Trade debts44€7k€8k▲
Suppliers440/4€7k€8k▲
Taxes, remuneration and social security45€19k€11k▼
Taxes450/3€18k€8k▼
Remuneration and social security454/9€832€3k▲
Other amounts payable47/48€0€325▲
Income statement
Code20242025
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€-5k€-4k▲
Operating profit (loss)9901€-8k€-7k▲
Financial income75/76B€36€0▼
Recurring financial income75€36€0▼
Financial charges65/66B€6k€4k▼
Recurring financial charges65€6k€4k▼
Profit (loss) for the period before taxes9903€-13k€-11k▲
Income taxes67/77€374€372▼
Profit (loss) for the period9904€-14k€-12k▲
Profit (loss) for the period to be appropriated9905€-14k€-12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€25k€13k▼
Profit (loss) brought forward from the previous period14P€38k€25k▼
The notes to these accounts (9 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-12
Financial
Back to profitnet €45k
Net result €45k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.58
Current ratio from 0.59 to 1.58.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Weakest financial yearnet €-16k ▼264%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
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, Stoumont · 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.
Ruy 324987 StoumontGround area
840 m²
Building footprint
188 m²
Volume, LiDAR
962 m³
Parcel 63042C0814/00P000, Wallonia · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ruy 32, 4987 Stoumont
since 20212.310.847.727
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63042C0814/00P000 | Wallonia | 840 m² | 1 · 188 m² | 9.3 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.
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Of 13,422 companies in sector 73300 we hold annual accounts for 6,900. 4,586 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-2020
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.