Checked.be
Active
BE 0833.901.377Private limited company
F & L KonsulT
Rue de Saint Georges 6 ·7181 Seneffe, Belgium· 15 yrs active
Sector: Business and other management consultancy
(70200)
Conclusion
F & L KonsulT has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €100k and a net result of €7k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 30893 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €100k |
| Net result | €7k |
| Better than sector | 95% |
| Active | 15 yrs |
Financial profile
72
/ 100
Strong profile, led by solvency.
All 5 axes are computed from data Checked has read.
Health
68
Profitability
33
Solvency
100
Growth
58
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Established
Founded in 2011, 15 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
68
/ 100
Healthy
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€7k
estimate, not credit advice
Score history
55
2021
98
2022
93
2023
79
2024
68
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 35.47 (≥ 1.5)
+10
Quick ratio
Quick ratio 35.47 (≥ 1.0)
+5
Leverage
Debt/equity 0.03 (< 1.0)
+10
Profitability
ROE 7%
+3
Interest coverage
Interest coverage -7.9× (< 1.5×)
-10
Profit trend
Net profit down YoY
-3
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 18-08-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~7.5%/year over 5 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 70, Activities of head offices; management consultancy activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 97.3% | 55.9% | |
| Net result | €7k | €27k | |
| Equity | €100k | €83k | |
| Gross operating margin | €852 | €54k | |
| Total assets | €103k | €186k |
€-5k
-
21-25
€7k
-13.8%
21-25
€8k
-55.5%
21-25
€103k
-51.5%
21-25
€100k
+7.2%
21-25
€97k
+46.0%
21-25
€2k
-51.5%
21-25
€117k
-
21-25
€3k
-97.6%
21-25
€3k
-95.2%
21-25
€59k
-
21-25
35.47
+1571.3%
21-25
35.47
+1571.3%
21-25
97.3%
+121.2%
21-25
0.03
-97.8%
21-25
6.7%
-19.6%
21-25
6.5%
+77.8%
21-25
-7.91
-
21-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | €-5k | €25k | €50k | €59k | €-10k |
| Net profit | €7k | €8k | €33k | €44k | €-13k |
| Cash flow | €8k | €19k | €35k | €45k | €-12k |
| Staff costs | - | - | - | - | - |
| Income taxes | €2k | €5k | €15k | €12k | €630 |
| Dividends | - | - | - | €117k | - |
| Total assets | €103k | €213k | €107k | €74k | €130k |
| Equity | €100k | €93k | €86k | €52k | €125k |
| Debt | €3k | €119k | €22k | €22k | €5k |
| of which ≤ 1y | €3k | €59k | €19k | €20k | €5k |
| of which > 1y | - | €59k | - | - | - |
| Working capital | €97k | €67k | €84k | €53k | €124k |
| Employees (FTE) | - | - | - | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 35.47 | 2.12 | 5.42 | 3.62 | 27.76 |
| Quick ratio | 35.47 | 2.12 | 5.42 | 3.62 | 27.76 |
| Working capital ratio | 94.5% | 31.3% | 77.8% | 71.9% | 95.6% |
| Solvency | 97.3% | 44.0% | 79.8% | 70.8% | 96.4% |
| Debt / equity | 0.03 | 1.27 | 0.25 | 0.41 | 0.04 |
| Long-term debt ratio | - | 0.63 | - | - | - |
| Interest coverage | -7.91 | 14.60 | 131.57 | 25.35 | -11.93 |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 6.5% | 3.7% | 31.1% | 59.7% | -10.0% |
| ROE | 6.7% | 8.3% | 39.0% | 84.4% | -10.4% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €103k | €213k | €107k | €74k | €130k |
| Fixed assets | 21/28 | €3k | €87k | €5k | €458 | €1k |
| Tangible fixed assets | 22/27 | €3k | €87k | €5k | €458 | €1k |
| Current assets | 29/58 | €100k | €126k | €102k | €73k | €129k |
| Amounts receivable within one year | 40/41 | €45k | €97k | €49k | €37k | €26k |
| Investments | 50/53 | €2k | €1k | €1k | €1k | €7k |
| Cash & bank | 54/58 | €28k | €3k | €26k | €11k | €677 |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €103k | €213k | €107k | €74k | €130k |
| Equity | 10/15 | €100k | €93k | €86k | €52k | €125k |
| Contributions / capital | 10/11 | €6k | €6k | €6k | €6k | €6k |
| Reserves | 13 | €87k | €87k | €79k | €46k | €147k |
| Accumulated profits (losses) | 14 | €7k | €63 | €58 | €36 | €-28k |
| Amounts payable | 17/49 | €3k | €119k | €22k | €22k | €5k |
| Amounts payable after one year | 17 | - | €59k | - | - | - |
| Amounts payable within one year | 42/48 | €3k | €59k | €19k | €20k | €5k |
| Trade debts payable within one year | 44 | €457 | €32k | €2k | €4k | €3k |
| Income statement | ||||||
| Gross operating margin | 9900 | €852 | €26k | €51k | €60k | €4k |
| Operating result | 9901 | €-7k | €14k | €48k | €58k | €-12k |
| Financial income | 75 | €22 | €85 | €83 | €123 | €41 |
| Financial charges | 65 | €650 | €2k | €378 | €2k | €875 |
| Result before taxes | 9903 | €9k | €13k | €48k | €56k | €-12k |
| Income taxes | 67/77 | €2k | €5k | €15k | €12k | €630 |
| Net result for the period | 9904 | €7k | €8k | €33k | €44k | €-13k |
| Result to be appropriated | 9905 | €7k | €8k | €33k | €44k | €-13k |
Directors & mandates
Former directors (1)
-
Former01-04-2019 → 09-12-2019
2 events
- 09-12-2019 Resigned· Managing director
- 01-04-2019 Appointed· Managing director
Legal Structure
| NACE primary | Business and other management consultancy(70200) |
| Legal form | Private limited company(610) |
| Incorporation | 04-02-2011 |
| Status | Active |
| Postal code | 7181 |
Establishment units
F & L KonsulT
since 20112.197.570.434
Updates
Next filing, fiscal year 2026, expected by
2026
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
28-01
State Gazette act
Registered-office change
v3.2
2025
31-12
Financial
Liquidity times 17current ratio 35.47
Current ratio from 2.12 to 35.47; short-term debt falls from €59k to €3k.
31-12
Financial
Equity above €100kEq €100k ▲7.2%
4 profitable years in a row build equity to €100k.
22-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 53 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
31-12
Financial
Back to profitnet €44k
Net result €44k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
13-11
State Gazette act
Director changes
v3.2
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
29-04
State Gazette act
Director changes
v3.2
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Belgisch Staatsblad, acts
Address history · 1
28-01-2026
v3.2
All acts · 3
updated 7 months ago
2026
28-01-2026 Registered office moved
Summary:
v3.2
Technical details
{
"events": [],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0833.901.377",
"name_full": "F \u0026 L KONSULT",
"legal_form": "SPRL"
}
}2020
13-11-2020 Feliciana TAGLIARINO resigns as managing director
- Feliciana TAGLIARINO, Gedelegeerd bestuurder
Summary:
v3.2
Technical details
{
"events": [
{
"kind": "director_out",
"role": "gedelegeerd_bestuurder",
"person": {
"rrn": null,
"name": "Feliciana TAGLIARINO",
"address": null,
"birth_date": null
},
"effective_date": "2019-12-09",
"evidence_quote": "L\u0027assembl\u00E9e aborde ensuite l\u0027ordre du jour et d\u00E9cide d\u0027acter la d\u00E9mission de Madame Feliciana TAGLIARINO au poste de g\u00E9rant et ce en date du 9 d\u00E9cembre 2019."
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0833.901.377",
"name_full": "F \u0026 L KONSULT",
"legal_form": "SPRL"
}
}2019
29-04-2019 Feliciana TAGLIARINO appointed as managing director
- Feliciana TAGLIARINO, Gedelegeerd bestuurder
Summary:
v3.2
Technical details
{
"events": [
{
"kind": "director_in",
"role": "gedelegeerd_bestuurder",
"person": {
"rrn": null,
"name": "Feliciana TAGLIARINO",
"address": null,
"birth_date": null
},
"effective_date": "2019-04-01",
"evidence_quote": "L\u0027assembl\u00E9e aborde ensuite l\u0027ordre du jour et d\u00E9cide de nommer Madame Feliciana TAGLIARINO au poste de g\u00E9rant et ce en date de ce jour."
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0833.901.377",
"name_full": "F \u0026 L KONSULT",
"legal_form": "SPRL"
}
}Credit advice
Company registry (CBE)
Activities
Business and other management consultancy70200Business consulting70220
Names & trade names
| Legal nameFR | F & L KonsulT |
Similar companies
Go4Growth
BE 0803.253.337 · Huldenberg
Boaz
BE 0802.534.844 · Antwerpen
DAMA & CO
BE 0826.605.591 · Flobecq
Ato-consult
BE 0764.545.585 · Westerlo
Pentacle
BE 0873.233.689 · Blégny