F-CONSULTANCY
ActiveF-CONSULTANCY has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €51k and a net result of €17k. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 51% of 16974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▼-7
Solvency86▼-14
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.05 against 3.44 in 2024; short-term debt: 37.3% and cash: 32.5% of total assets), and 39.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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 2025Solvency, return and age of the figures
Solvency
60.6%
Return on assets
19.7%
Age of the figures
9 mo
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
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 01-06-2026, 60 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
60 d early
2024
58 d early
2023
43 d early
2022
48 d early
2021
45 d early
2020
30 d early
2019
36 d early
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€51k▼ 34.3%
2024 · €78k
2019: €39k
2020: €44k
2021: €71k
2022: €91k
2023: €88k
2024: €78k
2019 → 2025
Total assets
€85k▼ 12.4%
2024 · €96k
2019: €59k
2020: €59k
2021: €133k
2022: €137k
2023: €117k
2024: €96k
2019 → 2025
Net result
€17k▼ 33.5%
2024 · €25k
2019: €33k
2020: €5k
2021: €27k
2022: €32k
2023: €22k
2024: €25k
2019 → 2025
Working capital
€33k▼ 18.3%
2024 · €41k
2019: €35k
2020: €41k
2021: €44k
2022: €60k
2023: €36k
2024: €41k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€71k-€91k▲ 28.5%€88k▼ 2.6%€78k▼ 11.6%€51k▼ 34.3%
Operating result€36k-€41k▲ 14.1%€30k▼ 26.7%€33k▲ 9.8%€23k▼ 30.8%
Net result€27k-€32k▲ 18.9%€22k▼ 29.1%€25k▲ 12.1%€17k▼ 33.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 31% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €85k
Fixed assets
€20k▼ 49.4%
Current assets
€65k▲ 12.9%
Equity and liabilities €85k
Equity
€51k▼ 34.3%
Debt
€33k▲ 80.5%
The debt ratio rises from 19.1% to 39.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€43k▼
2024 · €54k
Cash flow
€37k▼
2024 · €46k
Solvency
60.6%▼
2024 · 80.9%
Current ratio
2.05▼
2024 · 3.44
Quick ratio
2.05▼
2024 · 3.44
Debt / equity
0.65▲
2024 · 0.24
ROE
32.5%▲
2024 · 32.1%
ROA
19.7%▼
2024 · 26.0%
Interest coverage
107.60▲
2024 · 96.63
Debt
€33k▲
2024 · €18k
Debt ≤ 1 year
€32k▲
2024 · €17k
Income taxes
€6k▼
2024 · €8k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€96k€85k▼
Fixed assets21/28€39k€20k▼
Tangible fixed assets22/27€39k€20k▼
Land and buildings22€11k€10k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€26k€9k▼
Current assets29/58€57k€65k▲
Amounts receivable within one year40/41€38k€36k▼
Trade receivables40€30k€29k▼
Other amounts receivable41€8k€6k▼
Cash at bank and in hand54/58€17k€27k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€96k€85k▼
Equity10/15€78k€51k▼
Contributions10/11€19k€19k=
Reserves13€60k€33k▼
Distributable reserves133€60k€33k▼
Amounts payable17/49€18k€33k▲
Amounts payable within one year42/48€17k€32k▲
Current portion of amounts payable after more than one year42€6k-
Trade debts44€9k€4k▼
Suppliers440/4€9k€4k▼
Taxes, remuneration and social security45€2k€553▼
Taxes450/3€2k€553▼
Other amounts payable47/48-€27k
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€20k▼
Other operating charges640/8€784€583▼
Gross operating margin9900€55k€44k▼
Operating profit (loss)9901€33k€23k▼
Financial income75/76B€552€135▼
Recurring financial income75€552€135▼
Financial charges65/66B€560€402▼
Recurring financial charges65€560€402▼
Profit (loss) for the period before taxes9903€33k€23k▼
Income taxes67/77€8k€6k▼
Profit (loss) for the period9904€25k€17k▼
Profit (loss) for the period to be appropriated9905€25k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€17k▼
Transfer from equity791/2€10k€27k▲
Transfer to equity691/2-€203
To other reserves6921-€203
Profit to be distributed694/7€35k€43k▲
Return on contributions (dividend)694€35k€43k▲
The notes to these accounts (7 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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €5k ▼85.6%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · 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, Maaseik · 1 establishment unit since 2018
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.
Eerste Straat 153680 MaaseikGround area
745 m²
Building footprint
147 m²
Parcel 72021C0953/00H000, Flanders. Linked by address, not a title deed.
1 establishment unit
F-CONSULTANCY
since 20182.273.699.992
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72021C0953/00H000 | Flanders | 745 m² | 1 · 146 m² | - |
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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 124 EUR awarded · 124 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 124 EUR | 124 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 16,874 companies in sector 62100 we hold annual accounts for 8,779. 6,814 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-03-2018
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.