ELOU CONSULT
ActiveELOU CONSULT has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €139k and a net result of €32k. Equity is growing by ~11.7% per year across the filed fiscal years. Its solvency ranks better than 43% of 19356 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability70▲+58
Solvency48▲+5
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.46 against 1.34 in 2023; short-term debt: 33.6% and cash: 0.4% of total assets), and 76.9% 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+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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-08-2025, 22 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
22 d late
2023
21 d late
2022
30 d late
2021
61 d late
2020
29 d late
2019
115 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€110k
EBIT margin
29.4%
Net result
€32k
2023 · €-31k
2018: €32k
2019: €41k
2020: €14k
2021: €-7k
2022: €39k
2023: €-31k
2018 → 2024
Working capital
€93k▲ 40.9%
2023 · €66k
2018: €61k
2019: €94k
2020: €70k
2021: €31k
2022: €102k
2023: €66k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€107k-€100k▼ 6.5%€139k▲ 38.9%€107k▼ 22.7%€139k▲ 29.8%
Operating result€27k-€-381€61k€-23k€47k
Net result€14k-€-7k€39k€-31k€32k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €47k after a loss of €23k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €603k
Fixed assets
€308k▼ 3.9%
Current assets
€295k▲ 13.5%
Equity and liabilities €603k
Equity
€139k▲ 29.8%
Debt
€464k▼ 2.0%
The debt ratio falls from 81.5% to 76.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€59k▲
2023 · €-10k
Cash flow
€45k▲
2023 · €-18k
Solvency
23.1%▲
2023 · 18.5%
Current ratio
1.46▲
2023 · 1.34
Quick ratio
1.46▲
2023 · 0.59
Debt / equity
3.33▼
2023 · 4.41
ROE
23.0%▲
2023 · -29.3%
ROA
5.3%▲
2023 · -5.4%
Interest coverage
5.32▲
2023 · -1.53
Debt
€464k▼
2023 · €473k
Debt ≤ 1 year
€202k▲
2023 · €194k
Debt > 1 year
€261k▼
2023 · €279k
Income taxes
€4k▲
2023 · €2k
Staff costs
€2k▲
2023 · €2k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€580k€603k▲
Fixed assets21/28€320k€308k▼
Tangible fixed assets22/27€320k€308k▼
Land and buildings22€292k€284k▼
Plant, machinery and equipment23€941€627▼
Furniture and vehicles24€4k€2k▼
Other tangible fixed assets26€24k€21k▼
Financial fixed assets28€50€50=
Current assets29/58€260k€295k▲
Stocks and contracts in progress3€146k-
Stocks30/36€146k-
Amounts receivable within one year40/41€108k€293k▲
Trade receivables40€7k€202k▲
Other amounts receivable41€100k€91k▼
Cash at bank and in hand54/58€6k€2k▼
Equity and liabilities
Total equity and liabilities10/49€580k€603k▲
Equity10/15€107k€139k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€87k€119k▲
Amounts payable17/49€473k€464k▼
Amounts payable after more than one year17€279k€261k▼
Financial debts170/4€279k€261k▼
Amounts payable within one year42/48€194k€202k▲
Current portion of amounts payable after more than one year42€17k€18k▲
Trade debts44€20k€14k▼
Suppliers440/4€20k€14k▼
Taxes, remuneration and social security45€17k€8k▼
Taxes450/3€15k€4k▼
Remuneration and social security454/9€2k€4k▲
Other amounts payable47/48€140k€163k▲
Income statement
Code20232024
Remuneration, social security and pensions62€2k€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▼
Other operating charges640/8€159€11k▲
Gross operating margin9900€-8k€72k▲
Operating profit (loss)9901€-23k€47k▲
Financial income75/76B€0€7▲
Recurring financial income75€0€7▲
Financial charges65/66B€6k€11k▲
Recurring financial charges65€6k€11k▲
Profit (loss) for the period before taxes9903€-29k€36k▲
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€-31k€32k▲
Profit (loss) for the period to be appropriated9905€-31k€32k▲
Appropriation of the result
Profit (loss) to be appropriated9906€87k€119k▲
Profit (loss) brought forward from the previous period14P€118k€87k▼
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
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
31-12
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
31-12
Financial
Weakest financial yearnet €-31k ▼181%
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Back to profitnet €39k
Net result €39k after one loss-making year.
31-12
Financial
Equity above €100kEq €139k ▲38.9%
Equity rises from €100k to €139k.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
29-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 29 days late
2020
31-12
Financial
Equity above €100kEq €107k ▲14.9%
3 profitable years in a row build equity to €107k.
23-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 115 days late
2019
31-12
Financial
Highest result since 2018net €41k ▲28.7%
Net result €41k, the highest in the series.
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 9 days late
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 13 days late
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, Elsene · 1 establishment unit since 2016
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.
Louizalaan 2031050 ElseneGround area
476 m²
Building footprint
479 m²
Volume, LiDAR
6,324 m³
Parcel 21807G0120/00E005, Brussels · tallest building 31.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ELOU CONSULT
since 20162.264.485.784
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0120/00E005 | Brussels | 476 m² | 1 · 479 m² | 31.2 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.
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Of 11,749 companies in sector 68310 we hold annual accounts for 6,907. 5,251 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2016
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.