F.T. CONSULTING
ActiveF.T. CONSULTING has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €78k and a net result of €-942. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 62% of 7697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▼-27
Solvency90▼-10
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.66 against 6.13 in 2024; short-term debt: 35.3% and cash: 78% of total assets), and 35.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
64.7%
Return on assets
-0.8%
Age of the figures
9 mo
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
38 d early
2023
33 d early
2022
26 d early
2021
24 d late
2020
31 d early
2019
25 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-942
2024 · €24k
2018: €4k
2019: €332
2020: €24k
2021: €5k
2022: €11k
2023: €-12k
2024: €24k
2018 → 2025
Working capital
€70k▼ 23.4%
2024 · €92k
2018: €63k
2019: €71k
2020: €66k
2021: €73k
2022: €72k
2023: €61k
2024: €92k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€93k-€84k▼ 9.7%€73k▼ 13.7%€97k▲ 32.6%€78k▼ 19.3%
Operating result€9k-€18k▲ 92.7%€-11k€34k€648▼ 98.1%
Net result€5k-€11k▲ 132%€-12k€24k€-942
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 98% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €120k
Fixed assets
€8k▲ 61.3%
Current assets
€113k▲ 2.7%
Equity and liabilities €120k
Equity
€78k▼ 19.3%
Debt
€42k▲ 137%
The debt ratio rises from 15.6% to 35.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€5k▼
2024 · €41k
Cash flow
€4k▼
2024 · €31k
Solvency
64.7%▼
2024 · 84.4%
Current ratio
2.66▼
2024 · 6.13
Quick ratio
2.66▼
2024 · 6.13
Debt / equity
0.54▲
2024 · 0.19
ROE
-1.2%▼
2024 · 24.6%
ROA
-0.8%▼
2024 · 20.7%
Interest coverage
113.29▼
2024 · 879.03
Debt
€42k▲
2024 · €18k
Debt ≤ 1 year
€42k▲
2024 · €18k
Income taxes
€2k▼
2024 · €11k
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€115k€120k▲
Fixed assets21/28€5k€8k▲
Tangible fixed assets22/27€5k€8k▲
Furniture and vehicles24€4k€7k▲
Other tangible fixed assets26€924€518▼
Current assets29/58€110k€113k▲
Amounts receivable within one year40/41€20k€19k▼
Trade receivables40€18k€17k▼
Other amounts receivable41€2k€2k=
Cash at bank and in hand54/58€90k€94k▲
Equity and liabilities
Total equity and liabilities10/49€115k€120k▲
Equity10/15€97k€78k▼
Contributions10/11€6k€6k=
Reserves13€83k€66k▼
Distributable reserves133€83k€66k▼
Profit (loss) carried forward14€7k€6k▼
Amounts payable17/49€18k€42k▲
Amounts payable within one year42/48€18k€42k▲
Trade debts44€232€8k▲
Suppliers440/4€232€8k▲
Taxes, remuneration and social security45€8k€6k▼
Taxes450/3€8k€6k▼
Other amounts payable47/48€10k€28k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€5k▼
Other operating charges640/8€455€367▼
Gross operating margin9900€42k€6k▼
Operating profit (loss)9901€34k€648▼
Financial income75/76B€14€152▲
Recurring financial income75€14€152▲
Financial charges65/66B€47€46▼
Recurring financial charges65€47€46▼
Profit (loss) for the period before taxes9903€34k€755▼
Income taxes67/77€11k€2k▼
Profit (loss) for the period9904€24k€-942▼
Profit (loss) for the period to be appropriated9905€24k€-942▼
Appropriation of the result
Profit (loss) to be appropriated9906€31k€6k▼
Profit (loss) brought forward from the previous period14P€7k€7k=
Transfer from equity791/2-€18k
Transfer to equity691/2€24k-
To other reserves6921€24k-
Profit to be distributed694/7-€18k
Return on contributions (dividend)694-€18k
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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-12k ▼205%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 21.28
Current ratio from 6.82 to 21.28; short-term debt falls from €13k to €4k.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 24 days late
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2018net €24k ▲7221%
Operating result €36k, net result €24k, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 25 days late
2019
16-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 16 days late
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Nivelles · 1 establishment unit since 2006
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.
Chaussée de Namur 25 A1400 NivellesGround area
276 m²
Building footprint
274 m²
Volume, LiDAR
1,034 m³
2 parcels, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Lintermans 9, 7180 Seneffe
since 20062.154.522.824
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25782C0096/00V007 | Wallonia | 143 m² | 1 · 173 m² | 8.6 m · 2 fl. |
| 52063C0155/00X000 | Wallonia | 133 m² | 1 · 101 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
PROJECTM
BE 0678.742.157
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CS PROTECT ENERGY
BE 1027.059.259
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ELINEL
BE 0841.110.160
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HARS
BE 0699.602.996
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Bespoke
BE 0759.606.109
Antwerpen · Eq €78k
Of 24,505 companies in sector 82990 we hold annual accounts for 9,396. 7,135 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-05-2006
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
46190Agents in non-specialised wholesale trade
62020IT consultancy
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70220Business consulting
72100
73200Market research and public opinion polling
74131
74142
80424
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.