ELBiO CONSULTING
ActiveSummary
ELBiO CONSULTING has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €132k and a net result of €80k. Equity is growing by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 82% of 7029 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+14
Solvency100=
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 6.15 against 10.53 in 2024; short-term debt: 14.2% and cash: 34.3% of total assets), and 15.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three 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 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
84.4%
Return on assets
51.3%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 24-02-2026, 65 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
65 d early
2024
72 d early
2023
1 d early
2022
2 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€132k▼ 46.6%
2024 · €247k
2022: €149k
2023: €208k
2024: €247k
2022 → 2025
Total assets
€156k▼ 42.7%
2024 · €272k
2022: €209k
2023: €240k
2024: €272k
2022 → 2025
Net result
€80k▲ 109%
2024 · €38k
2022: €147k
2023: €60k
2024: €38k
2022 → 2025
Working capital
€114k▼ 49.5%
2024 · €225k
2022: €133k
2023: €190k
2024: €225k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€149k-€208k▲ 39.4%€247k▲ 18.4%€132k▼ 46.6%
Operating result€193k-€75k▼ 60.9%€46k▼ 38.3%€106k▲ 128%
Net result€147k-€60k▼ 58.9%€38k▼ 36.6%€80k▲ 109%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 128% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €156k
Fixed assets
€20k ▼ 12.5%
Current assets
€136k ▼ 45.5%
Equity and liabilities €156k
Equity
€132k ▼ 46.6%
Debt
€24k ▼ 4.7%
Debt's share of the balance-sheet total rises from 9.4% to 15.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€111k▲
2024 · €51k
Cash flow
€85k▲
2024 · €42k
Current ratio
6.15▼
2024 · 10.53
Debt to equity
0.18▲
2024 · 0.10
ROE
60.8%▲
2024 · 15.6%
ROA
51.3%▲
2024 · 14.1%
Interest coverage
221.36▲
2024 · 112.90
Debt ≤ 1 year
€22k▼
2024 · €24k
Income taxes
€28k▲
2024 · €11k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€272k€156k▼
Fixed assets21/28€23k€20k▼
Tangible fixed assets22/27€23k€20k▼
Plant, machinery and equipment23€1k€459▼
Furniture and vehicles24€8k€7k▼
Other tangible fixed assets26€14k€13k▼
Current assets29/58€249k€136k▼
Amounts receivable after more than one year29€117k-
Other amounts receivable291€117k-
Amounts receivable within one year40/41€82k€76k▼
Trade receivables40€48k€20k▼
Other amounts receivable41€34k€56k▲
Cash at bank and in hand54/58€49k€54k▲
Deferred charges and accrued income490/1€1k€7k▲
Equity and liabilities
Total equity and liabilities10/49€272k€156k▼
Equity10/15€247k€132k▼
Contributions10/11€3k€3k=
Reserves13€243k€128k▼
Distributable reserves133€243k€128k▼
Profit (loss) carried forward14€338€690▲
Amounts payable17/49€25k€24k▼
Amounts payable within one year42/48€24k€22k▼
Trade debts44€5k€7k▲
Suppliers440/4€5k€7k▲
Taxes, remuneration and social security45€19k€15k▼
Taxes450/3€19k€15k▼
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€737€936▲
Gross operating margin9900€51k€112k▲
Operating profit (loss)9901€46k€106k▲
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€448€501▲
Recurring financial charges65€448€501▲
Profit (loss) for the period before taxes9903€50k€108k▲
Income taxes67/77€11k€28k▲
Profit (loss) for the period9904€38k€80k▲
Profit (loss) for the period to be appropriated9905€38k€80k▲
Appropriation of the result
Profit (loss) to be appropriated9906€39k€80k▲
Profit (loss) brought forward from the previous period14P€338€338=
Transfer from equity791/2-€195k
Transfer to equity691/2€38k€80k▲
To other reserves6921€38k€80k▲
Profit to be distributed694/7-€195k
Return on contributions (dividend)694-€195k
The notes to these accounts (6 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
24-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €38k ▼36.6%
Net result drops to €38k, the lowest in the series; recovery starts the following year.
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Liquidity doublescurrent ratio 7.52
Current ratio from 3.56 to 7.52; short-term debt falls from €52k to €29k.
30-09
Financial
Equity above €200kEq €208k ▲39.4%
2 profitable years in a row build equity to €208k.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Bilzen-Hoeselt · 1 establishment unit since 2021
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.
Herenstraat 8A3730 Bilzen-HoeseltGround area
995 m²
Building footprint
147 m²
Volume, LiDAR
1,073 m³
Parcel 73077A0214/00N000, Flanders · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ELBiO CONSULTING
since 20212.313.417.831
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73077A0214/00N000 | Flanders | 995 m² | 1 · 147 m² | 11.4 m · 3 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
PMB Consulting
BE 0716.721.914
Sprimont · Eq €131,714
PATRYK PAWLAK DIGILATERAL CONSULTING
BE 0801.820.707
Schaarbeek · Eq €131,621
JCO INTERNATIONAL
BE 0781.395.574
Oudergem · Eq €131,602
FASHION ETCAETERA
BE 0834.116.856
Vorst · Eq €131,784
Liselotte Ampe
BE 0791.267.404
Gent · Eq €131,834
Of 13,421 companies in sector 73300 we hold annual accounts for 6,901. 5,504 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
Founded11-02-2021
Fiscal year end30-09
Activities, NACEBEL 2025
73300Public relations and communication consultancy
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.