Duo Consilio
ActiveDuo Consilio has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €48k and a net result of €19k. Equity is growing by ~6.8% per year across the filed fiscal years. Its solvency ranks better than 28% of 16989 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+5
Solvency56▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.12 against 1.33 in 2024; short-term debt: 44.1% and cash: 13.4% of total assets), and 68.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
31.2%
Return on assets
12.4%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
8 d early
2024
44 d early
2023
33 d early
2022
on the day
2021
11 d early
2020
88 d late
2019
56 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
€48k▼ 5.6%
2024 · €51k
2018: €29k
2019: €29k
2020: €40k
2021: €51k
2022: €44k
2023: €38k
2024: €51k
2018 → 2025
Total assets
€155k▼ 0.1%
2024 · €155k
2018: €67k
2019: €83k
2020: €93k
2021: €110k
2022: €229k
2023: €179k
2024: €155k
2018 → 2025
Net result
€19k▲ 46.0%
2024 · €13k
2018: €10k
2019: €535
2020: €11k
2021: €11k
2022: €-7k
2023: €-6k
2024: €13k
2018 → 2025
Working capital
€8k▼ 54.4%
2024 · €18k
2018: €8k
2019: €5k
2020: €10k
2021: €21k
2022: €66
2023: €-367
2024: €18k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€51k-€44k▼ 13.6%€38k▼ 14.1%€51k▲ 34.7%€48k▼ 5.6%
Operating result€16k-€-3k€714€23k▲ 3,135%€32k▲ 40.3%
Net result€11k-€-7k€-6k▲ 10.6%€13k€19k▲ 46.0%
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 40% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €155k
Fixed assets
€78k▼ 4.4%
Current assets
€77k▲ 4.7%
Equity and liabilities €155k
Equity
€48k▼ 5.6%
Debt
€107k▲ 2.6%
The debt ratio rises from 66.9% to 68.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€61k▼
2024 · €62k
Cash flow
€48k▼
2024 · €52k
Solvency
31.2%▼
2024 · 33.1%
Current ratio
1.12▼
2024 · 1.33
Quick ratio
1.12▼
2024 · 1.33
Debt / equity
2.20▲
2024 · 2.03
ROE
39.8%▲
2024 · 25.8%
ROA
12.4%▲
2024 · 8.5%
Interest coverage
9.58▼
2024 · 10.59
Debt
€107k▲
2024 · €104k
Debt ≤ 1 year
€68k▲
2024 · €55k
Debt > 1 year
€38k▼
2024 · €49k
Income taxes
€7k▲
2024 · €5k
Staff costs
€500
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€155k€155k▼
Fixed assets21/28€82k€78k▼
Intangible fixed assets21€139€0▼
Tangible fixed assets22/27€82k€78k▼
Land and buildings22€497€60k▲
Plant, machinery and equipment23€415€236▼
Furniture and vehicles24€16k€9k▼
Leasing and similar rights25€65k€9k▼
Financial fixed assets28€135€385▲
Current assets29/58€73k€77k▲
Amounts receivable within one year40/41€53k€54k▲
Trade receivables40€42k€45k▲
Other amounts receivable41€11k€8k▼
Cash at bank and in hand54/58€17k€21k▲
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€155k€155k▼
Equity10/15€51k€48k▼
Contributions10/11€19k€19k=
Reserves13€33k€30k▼
Distributable reserves133€33k€30k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€104k€107k▲
Amounts payable after more than one year17€49k€38k▼
Financial debts170/4€49k€38k▼
Amounts payable within one year42/48€55k€68k▲
Current portion of amounts payable after more than one year42€34k€26k▼
Trade debts44€9k€679▼
Suppliers440/4€9k€679▼
Taxes, remuneration and social security45€12k€19k▲
Taxes450/3€12k€17k▲
Remuneration and social security454/9€0€2k▲
Other amounts payable47/48-€22k
Income statement
Code20242025
Non-recurring operating income76A€10k€17k▲
Remuneration, social security and pensions62-€500
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€29k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€506€0▼
Other operating charges640/8€2k€11k▲
Non-recurring operating charges66A-€6k
Gross operating margin9900€64k€78k▲
Operating profit (loss)9901€23k€32k▲
Financial income75/76B€638€507▼
Recurring financial income75€638€507▼
Financial charges65/66B€6k€6k▲
Recurring financial charges65€6k€6k▲
Profit (loss) for the period before taxes9903€18k€27k▲
Income taxes67/77€5k€7k▲
Profit (loss) for the period9904€13k€19k▲
Profit (loss) for the period to be appropriated9905€13k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€11k€19k▲
Profit (loss) brought forward from the previous period14P€-3k€0▲
Transfer from equity791/2€0€22k▲
Transfer to equity691/2€11k€19k▲
To other reserves6921€11k€19k▲
Profit to be distributed694/7-€22k
Return on contributions (dividend)694-€22k
The notes to these accounts (16 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €19k ▲46%
Operating result €32k, net result €19k, both a record.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-7k ▼161%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
2020
25-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 56 days late
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Zonhoven · 1 establishment unit since 2017
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.
Beverzakbroekweg 1043520 ZonhovenGround area
2,822 m²
Building footprint
224 m²
Volume, LiDAR
1,153 m³
Parcel 71443F0640/00E008, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Duo Consilio
since 20172.267.769.532
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71443F0640/00E008 | Flanders | 2,822 m² | 1 · 224 m² | 8.2 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
2022 · 1 entry · 335 EUR awarded · 335 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 335 EUR | 335 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
64888J84U85CTH5MX363
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Of 16,886 companies in sector 62100 we hold annual accounts for 8,776. 6,810 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-07-2017
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.