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ELBA CONSULT

Active
Private limited companyfounded 20233 yrs activeBrugsesteenweg 642, 9030 Gent, BelgiumKBO/BCE: BE 0799.217.741
Summary

ELBA CONSULT has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €121,013 and a net result of €65,399. Equity is growing by ~26.4% per year across the filed fiscal years. Its solvency ranks better than 54% of 3521 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability100=
Solvency79▼-21
Growth78=
Track record94
Bankruptcy probability, 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10,000 at 30 days acceptable
Liquidity ample (current ratio 2.17 against 5.7 in 2024; short-term debt: 45.9% and cash: 76.4% of total assets), and 45.9% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 3 years 0 10 y
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Other professional, scientific and technical activities (NACE 74)
about 48% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
54.1%
Return on assets
29.2%
Age of the figures
9 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 10-04-2026, 112 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
112 d early
2024
45 d early
2023
54 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 70 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 38% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 8 June (3 of the last 3 filed years within 59 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

ELBA CONSULT was incorporated on 6 March 2023 as a Private limited company.1 Total assets rose from EUR 79,247 in 2023 to EUR 223,749 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2023 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€121,013=
2024 · €121,013
Total assets
€223,749▲ 52.6%
2024 · €146,593
Net result
€65,399▲ 1.2%
2024 · €64,644
Working capital
€120,708▲ 0.4%
2024 · €120,219
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 74, Other professional, scientific and technical activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line202320242025
Operating result€71,528-€81,196▲ 13.5%€81,998▲ 1.0%
Net result€57,061above the sector's middle half-€64,644above the sector's middle half▲ 13.3%€65,399above the sector's middle half▲ 1.2%
Equity€57,228within the sector's middle half-€121,013above the sector's middle half▲ 111%€121,013above the sector's middle half=
Total assets€79,247within the sector's middle half-€146,593within the sector's middle half▲ 85.0%€223,749above the sector's middle half▲ 52.6%
Debt€22,019-€25,581▲ 16.2%€102,736▲ 302%
Working capital€55,945within the sector's middle half-€120,219above the sector's middle half▲ 115%€120,708above the sector's middle half▲ 0.4%
Solvency72.2%within the sector's middle half-82.5%above the sector's middle half▲ 10.3pp54.1%within the sector's middle half▼ 28.5pp
Current ratio3.54within the sector's middle half-5.70above the sector's middle half▲ 2.162.17within the sector's middle half▼ 3.52
Return on assets (ROA)72.0%above the sector's middle half-44.1%above the sector's middle half▼ 27.9pp29.2%above the sector's middle half▼ 14.9pp
above within below the middle half (P25 to P75) of NACE 74, Other professional, scientific and technical activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€25,000€50,000€75,000Operating result 2023: €71,528€71,528Net result 2023: €57,061€57,061Operating result 2024: €81,196€81,196Net result 2024: €64,644€64,644Operating result 2025: €81,998€81,998Net result 2025: €65,399€65,399202320242025€0€25,000€50,000€75,000Operating result 2023: €71,528€71,500Net result 2023: €57,061€57,100Operating result 2024: €81,196€81,200Net result 2024: €64,644€64,600Operating result 2025: €81,998€82,000Net result 2025: €65,399€65,400202320242025
The operating result has risen two years in a row; 2025 is 1% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €223,749
Fixed assets €304 ▼ 61.7%
Current assets €223,444 ▲ 53.3%
Equity and liabilities €223,749
Equity €121,013 =
Debt €102,736 ▲ 302%
Debt's share of the balance-sheet total rises from 17.5% to 45.9%. Debt is higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€82,488▲
2024 · €81,685
Cash flow
€65,888▲
2024 · €65,133
Debt to equity
0.85▲
2024 · 0.21
ROE
54.0%▲
2024 · 53.4%
Interest coverage
204.76▼
2024 · 363.05
Debt ≤ 1 year
€102,736▲
2024 · €25,581
Income taxes
€16,495▲
2024 · €16,327
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.8% went bankrupt
2.3% stopped otherwise
96% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 39,278 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet Code20242025
Assets
Total assets20/58€146,593€223,749▲
Fixed assets21/28€794€304▼
Tangible fixed assets22/27€794€304▼
Furniture and vehicles24€794€304▼
Current assets29/58€145,800€223,444▲
Amounts receivable within one year40/41€21,637€52,432▲
Trade receivables40€21,637€51,788▲
Other amounts receivable41-€644
Cash at bank and in hand54/58€124,163€171,012▲
Equity and liabilities
Total equity and liabilities10/49€146,593€223,749▲
Equity10/15€121,013€121,013=
Contributions10/11€1,000€1,000=
Reserves13€56,228€0▼
Distributable reserves133€56,228€0▼
Profit (loss) carried forward14€63,785€120,013▲
Amounts payable17/49€25,581€102,736▲
Amounts payable within one year42/48€25,581€102,736▲
Trade debts44€2,401€272▼
Suppliers440/4€2,401€272▼
Taxes, remuneration and social security45€18,663€30,307▲
Taxes450/3€18,663€29,041▲
Remuneration and social security454/9-€1,266
Other amounts payable47/48€4,516€72,157▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€489€489=
Other operating charges640/8-€144
Gross operating margin9900€81,685€82,632▲
Operating profit (loss)9901€81,196€81,998▲
Financial income75/76B€0€298▲
Recurring financial income75€0€298▲
Financial charges65/66B€225€403▲
Recurring financial charges65€225€403▲
Profit (loss) for the period before taxes9903€80,971€81,894▲
Income taxes67/77€16,327€16,495▲
Profit (loss) for the period9904€64,644€65,399▲
Profit (loss) for the period to be appropriated9905€64,644€65,399▲
Appropriation of the result
Profit (loss) to be appropriated9906€120,872€129,184▲
Profit (loss) brought forward from the previous period14P€56,228€63,785▲
Transfer from equity791/2-€56,228
Transfer to equity691/2€56,228€0▼
To other reserves6921€56,228€0▼
Profit to be distributed694/7€859€65,399▲
Return on contributions (dividend)694€859€65,399▲

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€185€489€489=
Other operating charges640/8--€144-
Gross operating margin9900€71,713€81,685€82,632▲ 1.2%
Operating profit (loss)9901€71,528€81,196€81,998▲ 1.0%
Financial income75/76B-€0€298▲ 99,320%
Recurring financial income75-€0€298▲ 99,320%
Financial charges65/66B€173€225€403▲ 79.0%
Recurring financial charges65€173€225€403▲ 79.0%
Profit (loss) for the period before taxes9903€71,356€80,971€81,894▲ 1.1%
Income taxes67/77€14,295€16,327€16,495▲ 1.0%
Profit (loss) for the period9904€57,061€64,644€65,399▲ 1.2%
Profit (loss) for the period to be appropriated9905€57,061€64,644€65,399▲ 1.2%
Line202320242025Change
Assets
Total assets20/58€79,247€146,593€223,749▲ 52.6%
Fixed assets21/28€1,283€794€304▼ 61.7%
Tangible fixed assets22/27€1,283€794€304▼ 61.7%
Furniture and vehicles24€1,283€794€304▼ 61.7%
Current assets29/58€77,964€145,800€223,444▲ 53.3%
Amounts receivable within one year40/41€25,942€21,637€52,432▲ 142%
Trade receivables40€25,942€21,637€51,788▲ 139%
Other amounts receivable41--€644-
Cash at bank and in hand54/58€52,022€124,163€171,012▲ 37.7%
Equity and liabilities
Total equity and liabilities10/49€79,247€146,593€223,749▲ 52.6%
Equity10/15€57,228€121,013€121,013=
Contributions10/11€1,000€1,000€1,000=
Reserves13-€56,228€0▼ 100%
Distributable reserves133-€56,228€0▼ 100%
Profit (loss) carried forward14€56,228€63,785€120,013▲ 88.2%
Amounts payable17/49€22,019€25,581€102,736▲ 302%
Amounts payable within one year42/48€22,019€25,581€102,736▲ 302%
Trade debts44€2,432€2,401€272▼ 88.7%
Suppliers440/4€2,432€2,401€272▼ 88.7%
Taxes, remuneration and social security45€17,678€18,663€30,307▲ 62.4%
Taxes450/3€17,678€18,663€29,041▲ 55.6%
Remuneration and social security454/9--€1,266-
Other amounts payable47/48€1,909€4,516€72,157▲ 1,498%
Line202320242025Change
Profit (loss) for the period9904€57,061€64,644€65,399▲ 1.2%
+ Depreciation and write-downs630€185€489€489=
Operating cash flow (approximation)€57,246€65,133€65,888▲ 1.2%
Investment in fixed assets (approximation)-€0€0-
Change in cash-€72,141€46,849▼ 35.1%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
10-04
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Highest result since 2023net €65,399 ▲1.2%
Operating result €81,998, net result €65,399, both a record.
16-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial Equity above €100,000Eq €121,013 ▲111%
2 profitable years in a row build equity to €121,013.
07-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
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 act for this company is 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, Gent · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
1,138 m²
Building footprint
80 m²
Volume, LiDAR
580 m³
Parcel 44038A0775/00Y000, Flanders · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ELBA CONSULT
Brugsesteenweg 642, 9030 GentBusiness consulting
since 20232.344.121.497
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
44038A0775/00Y000 Flanders 1,138 m² 1 · 79 m² 10.0 m · 3 fl.
Linked by address, not proof of ownership
Good to know
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

Of 4,560 companies in sector 74999 we hold annual accounts for 1,935. 1,543 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded06-03-2023
Fiscal year end31-12
Activities, NACEBEL 2025
74999Other professional, scientific and technical activities
46190Agents in non-specialised wholesale trade
70200Business and other management consultancy
80090Investigation and security activities
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID 0208:0799217741
Registered 18-11-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.