F-Consult
ActiveSummary
F-Consult has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1k and a net result of €30k. Equity is growing by ~19.6% per year across the filed fiscal years. Its solvency ranks better than 5% of 12738 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability96▲+7
Solvency26▼-74
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Five 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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
0.7%
Return on assets
22%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 12738 sector peers (2025).
NBB · sector comparisonPosition among 12738 sector peers
Solvency
better than 5%
← weakest
strongest →
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 20-03-2026, 133 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
133 d early
2024
18 d late
2023
27 d late
2022
30 d late
2021
22 d late
2020
27 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1k▼ 98.9%
2024 · €89k
2020: €34k
2021: €52k▲ +51.8% vs 2020
2022: €62k▲ +19.9% vs 2021
2023: €72k▲ +14.9% vs 2022
2024: €89k▲ +24.5% vs 2023highest in 6 years
2025: €1k▼ -98.9% vs 2024lowest in 6 years
2020 → 2025
Total assets
€135k▲ 23.3%
2024 · €110k
2020: €105k
2021: €146k▲ +38.2% vs 2020highest in 6 years
2022: €121k▼ -17.0% vs 2021
2023: €101k▼ -16.2% vs 2022lowest in 6 years
2024: €110k▲ +8.2% vs 2023
2025: €135k▲ +23.3% vs 2024
2020 → 2025
Net result
€30k▲ 70.1%
2024 · €18k
2020: €33khighest in 6 years
2021: €18k▼ -46.7% vs 2020
2022: €10k▼ -41.5% vs 2021
2023: €9k▼ -10.5% vs 2022lowest in 6 years
2024: €18k▲ +89.2% vs 2023
2025: €30k▲ +70.1% vs 2024
2020 → 2025
Working capital
€-15k
2024 · €78k
2020: €6k
2021: €28k▲ +331% vs 2020
2022: €41k▲ +49.8% vs 2021
2023: €54k▲ +30.3% vs 2022
2024: €78k▲ +44.0% vs 2023highest in 6 years
2025: €-15k▼ -119% vs 2024lowest in 6 years
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€52k-€62k▲ 19.9%€72k▲ 14.9%€89k▲ 24.5%€1k▼ 98.9%
2021: €52k
2022: €62k▲ +19.9% vs 2021
2023: €72k▲ +14.9% vs 2022
2024: €89k▲ +24.5% vs 2023highest in 5 years
2025: €1k▼ -98.9% vs 2024lowest in 5 years
Operating result€23k-€14k▼ 38.8%€13k▼ 7.8%€23k▲ 76.7%€38k▲ 63.5%
2021: €23k
2022: €14k▼ -38.8% vs 2021
2023: €13k▼ -7.8% vs 2022lowest in 5 years
2024: €23k▲ +76.7% vs 2023
2025: €38k▲ +63.5% vs 2024highest in 5 years
Net result€18k-€10k▼ 41.5%€9k▼ 10.5%€18k▲ 89.2%€30k▲ 70.1%
2021: €18k
2022: €10k▼ -41.5% vs 2021
2023: €9k▼ -10.5% vs 2022lowest in 5 years
2024: €18k▲ +89.2% vs 2023
2025: €30k▲ +70.1% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 64% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €135k
Fixed assets
€16k ▲ 40.7%
Current assets
€119k ▲ 21.3%
Equity and liabilities €135k
Equity
€1k ▼ 98.9%
Debt
€134k ▲ 551%
Debt's share of the balance-sheet total rises from 18.8% to 99.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€50k▲
2024 · €39k
Cash flow
€42k▲
2024 · €33k
Current ratio
0.89▼
2024 · 4.77
ROA
22.0%▲
2024 · 16.0%
Interest coverage
275.62▲
2024 · 93.02
Debt ≤ 1 year
€134k▲
2024 · €21k
Income taxes
€8k▲
2024 · €6k
A ratio outside any meaningful range has been withheld (balance sheet total €135k, equity €1k).
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€110k€135k▲
Fixed assets21/28€11k€16k▲
Tangible fixed assets22/27€11k€16k▲
Plant, machinery and equipment23-€3k
Furniture and vehicles24€11k-
Other tangible fixed assets26-€13k
Current assets29/58€98k€119k▲
Amounts receivable within one year40/41€21k€29k▲
Trade receivables40€20k€29k▲
Other amounts receivable41€2k-
Cash at bank and in hand54/58€77k€91k▲
Deferred charges and accrued income490/1€126€127▲
Equity and liabilities
Total equity and liabilities10/49€110k€135k▲
Equity10/15€89k€1k▼
Contributions10/11€1k€1k=
Reserves13€88k-
Distributable reserves133€88k-
Amounts payable17/49€21k€134k▲
Amounts payable within one year42/48€21k€134k▲
Current portion of amounts payable after more than one year42€9k-
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€10k€14k▲
Taxes450/3€10k€14k▲
Other amounts payable47/48-€118k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€12k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€40k€52k▲
Operating profit (loss)9901€23k€38k▲
Financial income75/76B€159-
Recurring financial income75€159-
Financial charges65/66B€417€183▼
Recurring financial charges65€417€183▼
Profit (loss) for the period before taxes9903€23k€38k▲
Income taxes67/77€6k€8k▲
Profit (loss) for the period9904€18k€30k▲
Profit (loss) for the period to be appropriated9905€18k€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€30k▲
Transfer from equity791/2-€88k
Transfer to equity691/2€18k-
To other reserves6921€18k-
Profit to be distributed694/7-€118k
Return on contributions (dividend)694-€118k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €15k | €15k | €15k | €15k | €12k | ▼ 20.5% |
| Other operating charges640/8 | €646 | €903 | €1k | €1k | €1k | ▲ 35.9% |
| Gross operating margin9900 | €39k | €31k | €30k | €40k | €52k | ▲ 30.2% |
| Operating profit (loss)9901 | €23k | €14k | €13k | €23k | €38k | ▲ 63.5% |
| Financial income75/76B | €51 | €4 | - | €159 | - | - |
| Recurring financial income75 | €51 | €4 | - | €159 | - | - |
| Financial charges65/66B | €649 | €562 | €478 | €417 | €183 | ▼ 56.1% |
| Recurring financial charges65 | €649 | €562 | €478 | €417 | €183 | ▼ 56.1% |
| Profit (loss) for the period before taxes9903 | €23k | €14k | €13k | €23k | €38k | ▲ 64.6% |
| Income taxes67/77 | €5k | €3k | €3k | €6k | €8k | ▲ 47.2% |
| Profit (loss) for the period9904 | €18k | €10k | €9k | €18k | €30k | ▲ 70.1% |
| Profit (loss) for the period to be appropriated9905 | €18k | €10k | €9k | €18k | €30k | ▲ 70.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €146k | €121k | €101k | €110k | €135k | ▲ 23.3% |
| Fixed assets21/28 | €58k | €42k | €27k | €11k | €16k | ▲ 40.7% |
| Tangible fixed assets22/27 | €58k | €42k | €27k | €11k | €16k | ▲ 40.7% |
| Plant, machinery and equipment23 | - | - | - | - | €3k | - |
| Furniture and vehicles24 | €58k | €42k | €27k | €11k | - | - |
| Other tangible fixed assets26 | - | - | - | - | €13k | - |
| Current assets29/58 | €88k | €79k | €75k | €98k | €119k | ▲ 21.3% |
| Amounts receivable within one year40/41 | €51k | €10k | €60k | €21k | €29k | ▲ 33.8% |
| Trade receivables40 | €51k | €8k | €8k | €20k | €29k | ▲ 44.1% |
| Other amounts receivable41 | - | €2k | €52k | €2k | - | - |
| Cash at bank and in hand54/58 | €37k | €69k | €15k | €77k | €91k | ▲ 17.9% |
| Deferred charges and accrued income490/1 | €123 | €124 | €125 | €126 | €127 | ▲ 0.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €146k | €121k | €101k | €110k | €135k | ▲ 23.3% |
| Equity10/15 | €52k | €62k | €72k | €89k | €1k | ▼ 98.9% |
| Contributions10/11 | €1k | €1k | €1k | €1k | €1k | = |
| Reserves13 | €51k | €61k | €71k | €88k | - | - |
| Distributable reserves133 | €51k | €61k | €71k | €88k | - | - |
| Amounts payable17/49 | €94k | €59k | €30k | €21k | €134k | ▲ 551% |
| Amounts payable after more than one year17 | €33k | €21k | €9k | - | - | - |
| Financial debts170/4 | €33k | €21k | €9k | - | - | - |
| Amounts payable within one year42/48 | €60k | €37k | €21k | €21k | €134k | ▲ 551% |
| Current portion of amounts payable after more than one year42 | €12k | €12k | €12k | €9k | - | - |
| Trade debts44 | €13k | €3k | €2k | €1k | €2k | ▲ 68.3% |
| Suppliers440/4 | €13k | €3k | €2k | €1k | €2k | ▲ 68.3% |
| Taxes, remuneration and social security45 | €36k | €23k | €6k | €10k | €14k | ▲ 40.3% |
| Taxes450/3 | €25k | €11k | €6k | €10k | €14k | ▲ 40.3% |
| Remuneration and social security454/9 | €11k | €11k | - | - | - | - |
| Other amounts payable47/48 | - | - | - | - | €118k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €18k | €10k | €9k | €18k | €30k | ▲ 70.1% |
| + Depreciation and write-downs630 | €15k | €15k | €15k | €15k | €12k | ▼ 20.5% |
| Operating cash flow (approximation) | €33k | €26k | €25k | €33k | €42k | ▲ 27.6% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €-17k | - |
| Change in cash | - | €31k | €-54k | €62k | €14k | ▼ 77.8% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Weakest financial yearnet €9k ▼10.5%
Net result drops to €9k, 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
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Harelbeke · 1 establishment unit since 2020
Ground area
1,302 m²
Building footprint
196 m²
Volume, LiDAR
508 m³
Parcel 34004A0274/00L000, Flanders · tallest building 6.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
F-Consult
since 20202.298.312.258
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34004A0274/00L000 | Flanders | 1,302 m² | 1 · 196 m² | 6.8 m · 1 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.
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Of 2,762 companies in sector 69109 we hold annual accounts for 1,208. 150 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
Founded16-01-2020
Fiscal year end31-12
Activities, NACEBEL 2025
69109Other legal services
68310Real estate agency activities
Scores and ratios are computed by Checked and are not a credit decision.