Checked.be
Active
BE 0473.640.211Private limited company
E & B CONSULTANCY
Motstraat 94 ·3570 Alken, Belgium· 25 yrs active
Sector: Certified accountants and tax accountants
(69201)
Conclusion
E & B CONSULTANCY has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €359k and a net result of €44k. Equity is shrinking by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 87% of 12402 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €359k |
| Net result | €44k |
| Better than sector | 87% |
| Active | 25 yrs |
Financial profile
82
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
93
Profitability
61
Solvency
100
Growth
58
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 2001, 25 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 Flags
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
93
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€35k
estimate, not credit advice
Score history
86
2021
86
2022
98
2023
98
2024
93
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 7.07 (≥ 1.5)
+10
Quick ratio
Quick ratio 7.07 (≥ 1.0)
+5
Leverage
Debt/equity 0.14 (< 1.0)
+10
Profitability
ROE 12% (≥ 10%)
+10
Interest coverage
Interest coverage 189.4× (≥ 3×)
+8
Profit trend
Net profit down YoY
-3
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 31-08-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Equity: declining trend of ~3.2%/year over 5 fiscal years, indicative, assuming unchanged policy.
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 69, Legal and accounting activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 87.8% | 56.7% | |
| Net result | €44k | €38k | |
| Equity | €359k | €90k | |
| Gross operating margin | €107k | €74k | |
| Total assets | €409k | €206k |
€106k
-8.7%
21-25
€44k
-30.0%
21-25
€73k
-18.8%
21-25
€409k
+8.3%
21-25
€359k
+14.0%
21-25
€303k
+30.5%
21-25
€33k
+26.3%
21-25
€87k
-
21-25
€50k
-20.4%
21-25
€50k
-17.9%
21-25
€0
-100.0%
21-25
7.07
+46.7%
21-25
7.07
+46.7%
21-25
87.8%
+5.3%
21-25
0.14
-30.1%
21-25
12.3%
-38.6%
21-25
10.8%
-35.4%
21-25
189.36
-21.4%
21-25
Figures by fiscal year and ratios
Change versus the prior fiscal year, coloured by direction (green = favourable).
| Fiscal year | 2025 Δ | 2024 Δ | 2023 Δ | 2022 Δ | 2021 Δ |
|---|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | -8.7% | +50.6% | +13.5% | +8.1% | - |
| Net profit | -30.0% | +79.7% | +16.0% | -15.7% | - |
| Cash flow | -18.8% | +47.6% | +13.1% | +17.0% | - |
| Staff costs | - | - | - | - | - |
| Income taxes | +26.3% | +67.3% | +23.6% | -21.3% | - |
| Dividends | - | - | - | - | - |
| Total assets | +8.3% | -8.3% | -12.2% | +16.5% | - |
| Equity | +14.0% | -7.9% | -13.2% | +8.3% | - |
| Debt | -20.4% | -10.4% | -7.1% | +93.0% | - |
| of which ≤ 1y | -17.9% | +6.8% | +11.1% | +31.3% | - |
| of which > 1y | -100.0% | -85.6% | -45.9% | - | - |
| Working capital | +30.5% | -14.3% | -12.5% | +4.7% | - |
| Employees (FTE) | - | - | - | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 7.07 | 4.82 | 5.76 | 7.04 | 8.58 |
| Quick ratio | 7.07 | 4.82 | 5.76 | 7.04 | 8.58 |
| Working capital ratio | 74.1% | 61.5% | 65.8% | 65.9% | 73.3% |
| Solvency | 87.8% | 83.4% | 83.0% | 84.0% | 90.3% |
| Debt / equity | 0.14 | 0.20 | 0.20 | 0.19 | 0.11 |
| Long-term debt ratio | 0.00 | 0.01 | 0.04 | 0.06 | - |
| Interest coverage | 189.36 | 241.00 | 68.26 | 45.83 | 75.77 |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 10.8% | 16.7% | 8.5% | 6.4% | 8.9% |
| ROE | 12.3% | 20.0% | 10.2% | 7.7% | 9.8% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €409k | €378k | €412k | €469k | €403k |
| Fixed assets | 21/28 | €56k | €85k | €84k | €109k | €68k |
| Tangible fixed assets | 22/27 | €27k | €56k | €56k | €80k | €40k |
| Financial fixed assets | 28 | €29k | €28k | €28k | €28k | €28k |
| Current assets | 29/58 | €353k | €293k | €328k | €361k | €334k |
| Amounts receivable within one year | 40/41 | €218k | €202k | €188k | €171k | €170k |
| Cash & bank | 54/58 | €131k | €88k | €137k | €188k | €163k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €409k | €378k | €412k | €469k | €403k |
| Equity | 10/15 | €359k | €315k | €342k | €394k | €364k |
| Contributions / capital | 10/11 | €19k | €19k | €109k | €109k | €109k |
| Reserves | 13 | €267k | €223k | €160k | €212k | €182k |
| Accumulated profits (losses) | 14 | €74k | €74k | €74k | €74k | €74k |
| Amounts payable | 17/49 | €50k | €63k | €70k | €75k | €39k |
| Amounts payable after one year | 17 | €0 | €2k | €13k | €24k | - |
| Amounts payable within one year | 42/48 | €50k | €61k | €57k | €51k | €39k |
| Trade debts payable within one year | 44 | €17k | €12k | €16k | €11k | €16k |
| Income statement | ||||||
| Gross operating margin | 9900 | €107k | €117k | €79k | €68k | €64k |
| Operating result | 9901 | €77k | €90k | €51k | €45k | €53k |
| Financial income | 75 | €492 | €198 | €338 | €4 | €20 |
| Financial charges | 65 | €562 | €483 | €1k | €1k | €832 |
| Result before taxes | 9903 | €77k | €89k | €51k | €43k | €52k |
| Income taxes | 67/77 | €33k | €26k | €16k | €13k | €16k |
| Net result for the period | 9904 | €44k | €63k | €35k | €30k | €36k |
| Result to be appropriated | 9905 | €44k | €63k | €35k | €30k | €36k |
Legal Structure
| NACE primary | Certified accountants and tax accountants(69201) |
| Legal form | Private limited company(610) |
| Incorporation | 08-01-2001 |
| Status | Active |
| Postal code | 3570 |
Establishment units
E & B Consultancy
since 20002.227.496.122
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73302F0722/00D000 | Flanders | 1,171 m² | 1 · 188 m² | 6.3 m · 2 fl. |
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
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Highest result since 2021net €63k ▲79.7%
Operating result €90k, net result €63k, both a record.
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 91 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Weakest financial yearnet €30k ▼15.7%
Net result drops to €30k, 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
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
24-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 116 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 29 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 3 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
Company registry (CBE)
Activities
Certified accountants and tax accountants69201Legal and accounting activities6920274121
Names & trade names
| Legal nameNL | E & B CONSULTANCY |
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