Summary
ELAN CONSULTING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €18k and a net result of €3k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 15% of 3323 sector peers (fiscal year 2024). The company has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 3323 sector peers (2024).
NBB · sector comparisonPosition among 3323 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-07-2025, 27 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
27 d early
2023
52 d early
2022
46 d early
2021
26 d late
2020
31 d late
2019
82 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€18k▲ 19.6%
2023 · €15k
2018: €14k
2019: €-38k
2020: €-68k
2021: €-65k
2022: €-93k
2023: €15k
2018 → 2024
Net result
€3k▼ 96.9%
2023 · €96k
2018: €20k
2019: €-52k
2020: €-30k
2021: €3k
2022: €-28k
2023: €96k
2018 → 2024
Total assets
€199k▲ 11.8%
2023 · €178k
2018: €141k
2019: €84k
2020: €72k
2021: €90k
2022: €36k
2023: €178k
2018 → 2024
Solvency
9.0%▲ 0.6pp
2023 · 8.5%
2018: 9.6%
2019: -45.5%
2020: -95.5%
2021: -72.5%
2022: -261.0%
2023: 8.5%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-68k-€-65k▲ 4.8%€-93k▼ 42.7%€15k€18k▲ 19.6%
Operating result€-28k-€4k€-28k€96k€4k▼ 96.1%
Net result€-30k-€3k€-28k€96k€3k▼ 96.9%
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 2024; 2024 is 96% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €199k
Fixed assets
€39k ▲ 170%
Current assets
€160k ▼ 2.1%
Equity and liabilities €199k
Equity
€18k ▲ 19.6%
Debt
€181k ▲ 11.0%
Debt's share of the balance-sheet total falls from 91.5% to 91.0%. Equity and debt are higher.
Key figures and ratios
ROE
16.4%▼
2023 · 634.8%
ROA
1.5%▼
2023 · 53.6%
Debt ≤ 1 year
€46k▼
2023 · €73k
Debt > 1 year
€136k▲
2023 · €91k
Income taxes
€491
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 · 2024 against 2023 · 44 lines
Balance sheet
Code20232024
Assets
Total assets20/58€178k€199k▲
Fixed assets21/28€14k€39k▲
Intangible fixed assets21€9k€18k▲
Tangible fixed assets22/27-€14k
Other tangible fixed assets26-€12k
Assets under construction and advance payments27-€2k
Financial fixed assets28€5k€7k▲
Current assets29/58€164k€160k▼
Amounts receivable after more than one year29€121k-
Trade receivables290€121k-
Amounts receivable within one year40/41€36k€151k▲
Trade receivables40€4k€148k▲
Other amounts receivable41€33k€3k▼
Cash at bank and in hand54/58€6k€2k▼
Deferred charges and accrued income490/1-€7k
Equity and liabilities
Total equity and liabilities10/49€178k€199k▲
Equity10/15€15k€18k▲
Contributions10/11€19k€19k=
Reserves13€5k€5k=
Distributable reserves133€5k€5k=
Profit (loss) carried forward14€-9k€-6k▲
Amounts payable17/49€163k€181k▲
Amounts payable after more than one year17€91k€136k▲
Other amounts payable178/9€91k€136k▲
Amounts payable within one year42/48€73k€46k▼
Trade debts44€45k€36k▼
Suppliers440/4€45k€36k▼
Taxes, remuneration and social security45€24k€493▼
Taxes450/3€24k€493▼
Other amounts payable47/48€4k€9k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€557€578▲
Gross operating margin9900€99k€8k▼
Operating profit (loss)9901€96k€4k▼
Financial income75/76B€3-
Recurring financial income75€3-
Financial charges65/66B€177€326▲
Recurring financial charges65€177€326▲
Profit (loss) for the period before taxes9903€96k€3k▼
Income taxes67/77-€491
Profit (loss) for the period9904€96k€3k▼
Profit (loss) for the period to be appropriated9905€96k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€-6k▲
Profit (loss) brought forward from the previous period14P€-104k€-9k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €96k
Net result €96k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 2.26
Current ratio from 0.73 to 2.26.
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Liquidity times 8current ratio 5.18
Current ratio from 0.65 to 5.18; short-term debt falls from €122k to €13k.
21-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 82 days late
2019
31-12
Financial
Weakest financial yearnet €-52k ▼358%
Net result drops to €-52k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
Show earlier events
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
2008
28-04
State Gazette act
General meeting · Director appointment
Director resignation · Permanent representative
28-04
State Gazette act
General meeting · Director appointment
Director resignation · Permanent representative
28-04
State Gazette act
General meeting · Director appointment
Director resignation · Permanent representative
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Aubel · 2 establishment units since 1998
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.
Rue de la Bel 154880 AubelGround area
408 m²
Building footprint
207 m²
Volume, LiDAR
2,702 m³
2 parcels, Wallonia · tallest building 26.2 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
Immotheker Finotheker Aubel
since 19982.089.594.586
Immotheker Finotheker Guillemins
since 20262.390.038.626
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63003B0246/00T000 | Wallonia | 259 m² | 1 · 95 m² | 11.8 m · 4 fl. |
| 62805B0466/00V004 | Wallonia | 149 m² | 1 · 112 m² | 26.2 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Ownership & control
2 board mandatesBoard mandates of this companythis company sits on their board2
1 location
1 location
Similar companies · same sector, comparable size
B.A.M & Fils
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GLW
BE 0424.022.434
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Eversure
BE 0690.824.892
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Van Geel Verzekeringen
BE 0803.948.272
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TRUDASSUR
BE 0452.542.810
Sint-Truiden · Eq €18,320
Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 1,427 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
Founded08-12-1998
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
64921Financial service activities, except insurance and pension funding
64922Financial service activities, except insurance and pension funding
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.