dW-Consult
ActivedW-Consult has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €78k and a net result of €44k. Equity is growing by ~13% per year across the filed fiscal years. Its solvency ranks better than 34% of 2768 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency63▼-37
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.27 against 3.92 in 2024), and 63.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
6 signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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 →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
36.5%
Return on assets
20.7%
Age of the figures
8 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 22-07-2026, 9 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
9 d early
2024
7 d early
2023
on the day
2022
4 d early
2021
4 d early
2020
19 d early
← 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
04-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€78k▼ 33.4%
2024 · €117k
2022: €69k
2023: €97k
2024: €117k
2022 → 2025
Total assets
€213k▲ 21.5%
2024 · €176k
2022: €92k
2023: €112k
2024: €176k
2022 → 2025
Net result
€44k▲ 12.5%
2024 · €39k
2022: €24k
2023: €28k
2024: €39k
2022 → 2025
Working capital
€30k▼ 57.4%
2024 · €71k
2022: €70k
2023: €98k
2024: €71k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€69k-€97k▲ 40.7%€117k▲ 20.4%€78k▼ 33.4%
Operating result€39k-€42k▲ 8.0%€55k▲ 31.1%€61k▲ 11.4%
Net result€24k-€28k▲ 15.7%€39k▲ 39.2%€44k▲ 12.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 11% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €213k
Fixed assets
€73k▼ 9.6%
Current assets
€141k▲ 47.8%
Equity and liabilities €213k
Equity
€78k▼ 33.4%
Debt
€135k▲ 131%
The debt ratio rises from 33.3% to 63.5%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€82k▲
2024 · €68k
Cash flow
€65k▲
2024 · €52k
Solvency
36.5%▼
2024 · 66.7%
Current ratio
1.27▼
2024 · 3.92
Quick ratio
1.20▼
2024 · 3.27
Debt / equity
1.74▲
2024 · 0.50
ROE
56.5%▲
2024 · 33.4%
ROA
20.7%▼
2024 · 22.3%
Interest coverage
33.35▲
2024 · 26.77
Debt
€135k▲
2024 · €59k
Debt ≤ 1 year
€110k▲
2024 · €24k
Debt > 1 year
€24k▼
2024 · €34k
Income taxes
€14k▲
2024 · €13k
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
Balance sheet
Code2025
Total assets
20/58€213k
Fixed assets
21/28€73k
Tangible fixed assets
22/27€73k
Current assets
29/58€141k
Stocks & contracts in progress
3€9k
Amounts receivable within one year
40/41€49k
Cash & bank
54/58€83k
Total equity & liabilities
10/49€213k
Equity
10/15€78k
Contributions / capital
10/11€3k
Reserves
13€75k
Accumulated profits (losses)
14€0
Amounts payable
17/49€135k
Amounts payable after one year
17€24k
Amounts payable within one year
42/48€110k
Trade debts payable within one year
44€890
Income statement
Code2025
Gross operating margin
9900€83k
Operating result
9901€61k
Financial income
75€81
Financial charges
65€2k
Result before taxes
9903€58k
Income taxes
67/77€14k
Net result for the period
9904€44k
Result to be appropriated
9905€44k
This is the latest fiscal year. 3 prior years, with figures and ratios, belong to a paid plan.
See plans →
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
08-04
State Gazette act
Open capture
Act object · Notarial deed · Incorporation · Founder · Mayke Op de Beeck
2025
31-12
Financial
Highest result since 2022net €44k ▲12.5%
Operating result €61k, net result €44k, both a record.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €117k ▲20.4%
3 profitable years in a row build equity to €117k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 1 act read
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
CIGNI
BE 0776.912.392
Overijse · Eq €78k
Delaboro
BE 0797.117.591
Grobbendonk · Eq €78k
Croux ICT
BE 1002.587.446
Maaseik · Eq €78k
ZAPHIR CONSULTING
BE 0661.753.893
Aarschot · Eq €78k
ASPIRE-IT
BE 0670.730.056
Bierbeek · Eq €78k
Of 29,953 companies in sector 62200 we hold annual accounts for 17,819. 15,170 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-09-2019
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
43212Electrical installation work in industrial facilities
62030Computer programming, consultancy and related activities
95100Repair and maintenance of computers and communication equipment
95110Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 04-09-2026. Scores and ratios are computed by Checked and are not a credit decision.