EBUSINESS CONSULTING
ActiveEBUSINESS CONSULTING has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €242k and a net result of €56k. Equity is growing by ~17.2% per year across the filed fiscal years. Its solvency ranks better than 24% of 2656 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+22
Solvency14▼-59
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity short (current ratio 0.72 against 2.98 in 2024), and 85.4% 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.
−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 →
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
14.6%
Return on assets
3.4%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 2656 sector peers (2025).
NBB · sector comparisonPosition among 2656 sector peers
Solvency
better than 24%
← weakest
strongest →
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
1 d early
2023
33 d early
2022
4 d early
2021
44 d early
2020
57 d early
2019
on the day
← 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
10-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€242k▼ 44.2%
2024 · €433k
2018: €98k
2019: €180k
2020: €260k
2021: €341k
2022: €396k
2023: €418k
2024: €433k
2018 → 2025
Total assets
€1.66M▲ 24.2%
2024 · €1.34M
2018: €142k
2019: €932k
2020: €1.42M
2021: €1.44M
2022: €1.43M
2023: €1.38M
2024: €1.34M
2018 → 2025
Net result
€56k▼ 17.1%
2024 · €67k
2018: €52k
2019: €82k
2020: €80k
2021: €82k
2022: €57k
2023: €57k
2024: €67k
2018 → 2025
Working capital
€-128k
2024 · €208k
2018: €72k
2019: €138k
2020: €135k
2021: €188k
2022: €222k
2023: €220k
2024: €208k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€341k-€396k▲ 15.9%€418k▲ 5.6%€433k▲ 3.7%€242k▼ 44.2%
Operating result€136k-€97k▼ 28.6%€97k▼ 0.8%€107k▲ 10.6%€99k▼ 7.6%
Net result€82k-€57k▼ 30.6%€57k▲ 1.4%€67k▲ 17.1%€56k▼ 17.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.66M
Fixed assets
€1.34M▲ 30.7%
Current assets
€322k▲ 3.1%
Equity and liabilities €1.66M
Equity
€242k▼ 44.2%
Debt
€1.42M▲ 57.1%
The debt ratio rises from 67.6% to 85.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€144k▼
2024 · €151k
Cash flow
€101k▼
2024 · €111k
Solvency
14.6%▼
2024 · 32.4%
Current ratio
0.72▼
2024 · 2.98
Quick ratio
0.72▼
2024 · 2.98
Debt / equity
5.86▲
2024 · 2.08
ROE
23.1%▲
2024 · 15.5%
ROA
3.4%▼
2024 · 5.0%
Interest coverage
9.60▼
2024 · 9.91
Debt
€1.42M▲
2024 · €903k
Debt ≤ 1 year
€450k▲
2024 · €105k
Debt > 1 year
€967k▲
2024 · €798k
Income taxes
€30k▲
2024 · €29k
Staff costs
€79k▲
2024 · €72k
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€1.34M€1.66M▲
Fixed assets21/28€1.02M€1.34M▲
Tangible fixed assets22/27€1.02M€977k▼
Land and buildings22€1.00M€963k▼
Furniture and vehicles24€21k€13k▼
Financial fixed assets28€1k€361k▲
Current assets29/58€312k€322k▲
Amounts receivable within one year40/41€202k€99k▼
Trade receivables40€123k€99k▼
Other amounts receivable41€80k€0▼
Current investments50/53€50k€0▼
Cash at bank and in hand54/58€58k€220k▲
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€1.34M€1.66M▲
Equity10/15€433k€242k▼
Contributions10/11€6k€6k=
Reserves13€424k€233k▼
Distributable reserves133€424k€233k▼
Profit (loss) carried forward14€3k€3k=
Amounts payable17/49€903k€1.42M▲
Amounts payable after more than one year17€798k€967k▲
Financial debts170/4€798k€740k▼
Other amounts payable178/9-€227k
Amounts payable within one year42/48€105k€450k▲
Current portion of amounts payable after more than one year42€57k€156k▲
Trade debts44€11k€13k▲
Suppliers440/4€11k€13k▲
Taxes, remuneration and social security45€36k€50k▲
Taxes450/3€23k€33k▲
Remuneration and social security454/9€13k€17k▲
Other amounts payable47/48€0€231k▲
Accrued charges and deferred income492/3-€993
Income statement
Code20242025
Remuneration, social security and pensions62€72k€79k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€44k€46k▲
Other operating charges640/8€4k€2k▼
Gross operating margin9900€227k€225k▼
Operating profit (loss)9901€107k€99k▼
Financial income75/76B€4k€2k▼
Recurring financial income75€4k€2k▼
Financial charges65/66B€15k€15k▼
Recurring financial charges65€15k€15k▼
Profit (loss) for the period before taxes9903€96k€86k▼
Income taxes67/77€29k€30k▲
Profit (loss) for the period9904€67k€56k▼
Profit (loss) for the period to be appropriated9905€67k€56k▼
Appropriation of the result
Profit (loss) to be appropriated9906€70k€58k▼
Profit (loss) brought forward from the previous period14P€2k€3k▲
Transfer from equity791/2€52k€247k▲
Transfer to equity691/2€67k€56k▼
To other reserves6921€67k€56k▼
Profit to be distributed694/7€52k€247k▲
Return on contributions (dividend)694€52k€247k▲
Employees696€0-
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (15 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
04-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €200kEq €260k ▲44.3%
3 profitable years in a row build equity to €260k.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €82k ▲57.8%
Net result €82k, the highest in the series.
31-12
Financial
Equity above €150kEq €180k ▲83.4%
2 profitable years in a row build equity to €180k.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 26 days late
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2023
Versavel Dirk
CurrentNon-statutory director · since 06-03-2023
06-03-2023
Resigned as Niet statutair zaakvoerder
06-03-2023
Appointed as Non-statutory director
Not every act has been read: a resignation may be missing here
1 of this company's 1 Belgian State Gazette acts has not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Torhout · 1 establishment unit since 2002
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.
Margareta van Constantinopelstr. 48820 Torhout1 establishment unit
Margareta van Constantinopelstr. 4, 8820 Torhout
since 20022.114.872.291
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Of 29,870 companies in sector 62200 we hold annual accounts for 18,318. 14,228 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-07-2000
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
46500Wholesale of information and communication equipment
46510Wholesale trade
51840
62010Computer programming, consultancy and related activities
62100Computer programming
68201Renting and operating of own or leased residential real estate, excluding social housing
72220
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filings
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.