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ELSA CONSULT

Active
Private limited companyfounded 200620 yrs activeRue des Longs Trieux(LN) 35, 7730 Estaimpuis, BelgiumKBO/BCE: BE 0878.713.102
Summary

ELSA CONSULT has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.2m and a net result of -€102,147. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 79% of 12918 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
ELSA CONSULTActiveChecked score 94/100
Risk analysis ReportCompare

Overview

Activity
Agents in non-specialised wholesale trade
NACE 46190NACE 51190
#5 company by equity in Estaimpuis, Wholesale and retail trade sector1 site
Size
€2.8mtotal assets 2025
Equity
€2.2m
Loss
-€102,147
Financial health
94 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Accounts filed 9 d late0 of 3 deeds read
Why 94- Liquidity: current ratio 1.67, cash €71,954, halved+ Size: total assets €2.8m+ Figures for FY 2025 (filed 09-05-2026)+ Founded in 2006Show the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Better than 55% of its sector peers (NACE 46, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 77.3% of total assets
Liquidity 45-8
short-term debt 22.7% · cash 2.5%
Profitability 64-27
return on assets -3.6%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (4,366 companies)
Last 24 months 11-2024: < 0.1%lowest value 12-2024: < 0.1%▲ +8.8% vs 11-2024 01-2025: < 0.1%▲ +5.4% vs 12-2024 02-2025: < 0.1%▲ +2.6% vs 01-2025 03-2025: < 0.1%▲ +2.5% vs 02-2025 04-2025: < 0.1%▲ +14.6% vs 03-2025 05-2025: < 0.1%▼ -10.6% vs 04-2025 06-2025: < 0.1%● 0.0% vs 05-2025 07-2025: < 0.1%● 0.0% vs 06-2025 08-2025: < 0.1%● 0.0% vs 07-2025 09-2025: < 0.1%● 0.0% vs 08-2025 10-2025: < 0.1%● 0.0% vs 09-2025 11-2025: < 0.1%● 0.0% vs 10-2025 12-2025: < 0.1%▲ +9.5% vs 11-2025 01-2026: < 0.1%▲ +8.7% vs 12-2025 02-2026: 0.1%▲ +4.0% vs 01-2026 03-2026: 0.1%▲ +17.3% vs 02-2026 04-2026: 0.1%▲ +83.6% vs 03-2026 05-2026: 0.2%▲ +90.2% vs 04-2026highest value 06-2026: 0.1%▼ -60.6% vs 05-2026 07-2026: 0.1%● 0.0% vs 06-2026 08-2026: 0.1%▼ -1.2% vs 07-2026 09-2026: 0.1%● 0.0% vs 08-2026 10-2026: 0.1%● 0.0% vs 09-2026
  • Size: total assets €2.8m lowers the probability for this profile
  • Figures for FY 2025 (filed 09-05-2026) lowers the probability
  • Liquidity: current ratio 1.67, cash €71,954, halved raises the probability
  • Founded in 2006 lowers the probability for this profile
Credit up to €200,000 at 30 days acceptable
Liquidity ample (current ratio 1.67 against 2.19 in 2024; short-term debt: 22.7% and cash: 2.5% of total assets), and 22.7% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, small). Better than this share of them on solvency 92%, liquidity 53%, profitability 51%, growth against the median 23%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €2.8m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 09-05-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Liquidity: current ratio 1.67, cash €71,954, halved
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Founded in 2006
In the bankruptcy model this factor lowers the probability for this profile.
KBO
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 09-05-2026, 9 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
9 d late
2024
1 d early
2023
33 d early
2022
33 d early
2021
39 d early
2020
37 d early
2019
41 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 25 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

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. Usually files around 29 March (4 of the last 5 filed years within 31 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 close03-10-2026 today30-04-2027 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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Weakest financial yearnet -€102,147
  3. Annual accounts filedfiscal year 2024 · full…

Key points

  • Caution: From profit to loss in 2025after €555,806 in 2024 -€102,147 View
  • Caution: Among the weakest 5% on net resultsector median €5,584 · 12,926 companies -€102,147 View
  • Total assets 20256 fiscal years filed €2.8m View

By topic

Financials

Fiscal year
2025
Total assets
€2.8m
Loss
-€102,147
Solvency
77.3%
Total assets▼ 6.9%
Net result
20192025
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 30-04-2027
  1. 09-05-2026Annual accounts filed
  2. 30-09-2025Weakest financial year
  3. 29-04-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Agents in non-specialised wholesale tradeNACE 46190
Founded
12-01-2006
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

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