E.R. Consulting
ActiveSummary
E.R. Consulting has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €97k and a net result of €10k. Equity is growing by ~32.1% per year across the filed fiscal years. Its solvency ranks better than 32% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+14
Solvency58▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.14 against 0.09 in 2024; short-term debt: 37.1% and cash: 1.2% of total assets), and 67.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young 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
32.7%
Return on assets
3.5%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 04-12-2025, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 d early
2024
59 d early
2023
42 d early
2022
41 d early
2021
41 d early
2020
17 d early
2019
22 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€41k
EBIT margin
57.6%
Net result
€10k▼ 44.2%
2024 · €18k
2019: €1k
2020: €4k
2021: €17k
2022: €12k
2023: €21k
2024: €18k
2019 → 2025
Working capital
€-95k▲ 0.6%
2024 · €-95k
2019: €-136k
2020: €-133k
2021: €-125k
2022: €-112k
2023: €-103k
2024: €-95k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€41k
Equity€36k-€48k▲ 34.4%€69k▲ 43.1%€87k▲ 26.8%€97k▲ 11.8%
Operating result€27k-€24k▼ 12.8%€35k▲ 45.5%€38k▲ 9.8%€14k▼ 64.6%
Net result€17k-€12k▼ 25.9%€21k▲ 68.5%€18k▼ 11.0%€10k▼ 44.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 65% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €297k
Fixed assets
€282k ▼ 3.0%
Current assets
€15k ▲ 71.8%
Equity and liabilities €297k
Equity
€97k ▲ 11.8%
Debt
€200k ▼ 5.9%
Debt's share of the balance-sheet total falls from 71.0% to 67.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€22k▼
2024 · €47k
Cash flow
€19k▼
2024 · €27k
Current ratio
0.14▲
2024 · 0.09
Debt to equity
2.06▼
2024 · 2.45
ROE
10.6%▼
2024 · 21.1%
ROA
3.5%▼
2024 · 6.1%
Interest coverage
8.13▲
2024 · 3.96
Debt ≤ 1 year
€110k▲
2024 · €104k
Debt > 1 year
€65k▼
2024 · €83k
Income taxes
€519▼
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€300k€297k▼
Fixed assets21/28€291k€282k▼
Tangible fixed assets22/27€290k€281k▼
Land and buildings22€290k€281k▼
Plant, machinery and equipment23€0-
Financial fixed assets28€558€558=
Current assets29/58€9k€15k▲
Amounts receivable within one year40/41€6k€8k▲
Trade receivables40€6k€7k▲
Other amounts receivable41-€974
Cash at bank and in hand54/58€943€4k▲
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€300k€297k▼
Equity10/15€87k€97k▲
Contributions10/11€19k€19k=
Reserves13€49k€49k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€48k€48k=
Profit (loss) carried forward14€19k€29k▲
Amounts payable17/49€213k€200k▼
Amounts payable after more than one year17€83k€65k▼
Financial debts170/4€83k€65k▼
Amounts payable within one year42/48€104k€110k▲
Current portion of amounts payable after more than one year42€19k€22k▲
Trade debts44€7k€26k▲
Suppliers440/4€7k€26k▲
Taxes, remuneration and social security45€8k€0▼
Taxes450/3€8k€0▼
Other amounts payable47/48€70k€62k▼
Accrued charges and deferred income492/3€25k€25k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▼
Other operating charges640/8€4k€3k▼
Gross operating margin9900€51k€26k▼
Operating profit (loss)9901€38k€14k▼
Financial charges65/66B€12k€3k▼
Recurring financial charges65€12k€3k▼
Profit (loss) for the period before taxes9903€26k€11k▼
Income taxes67/77€8k€519▼
Profit (loss) for the period9904€18k€10k▼
Profit (loss) for the period to be appropriated9905€18k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€29k▲
Profit (loss) brought forward from the previous period14P€142€19k▲
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (8 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
2025
04-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
03-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
20-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Highest result since 2019net €21k ▲68.5%
Net result €21k, the highest in the series.
2022
21-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
21-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
14-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
17-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
08-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
23-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Sint-Niklaas · 1 establishment unit since 1988
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.
Oude Heirbaan 329100 Sint-NiklaasGround area
946 m²
Building footprint
143 m²
Volume, LiDAR
792 m³
Parcel 46445D1785/00C000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
E.R. Consulting BVBA
since 19882.018.828.930
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46445D1785/00C000 | Flanders | 946 m² | 1 · 143 m² | 8.0 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.
Similar companies · same sector, comparable size
PEOPLE-SOLUTIONS
BE 0467.502.287
Sint-Truiden · Eq €97,174
TOFINO CONSULT
BE 0771.325.291
Kapelle-op-den-Bos · Eq €97,173
JCMK Management
BE 1007.414.185
Braine-l'Alleud · Eq €97,191
Balaena
BE 0678.959.616
De Haan · Eq €97,163
TVB FINANCIAL ARCHITECTS
BE 0673.812.478
Deinze · Eq €97,203
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,562 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-06-1988
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.