F4V Consulting
ActiveSummary
F4V Consulting has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €148k and a net result of €12k. Equity is growing by ~30.7% per year across the filed fiscal years. Its solvency ranks better than 63% of 9518 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability75▼-25
Solvency90▼-10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 4.03 against 3.93 in 2023; short-term debt: 19.8% and cash: 6.1% of total assets), and 35.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three 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 →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
30 d late
2022
31 d late
2021
61 d late
2020
31 d late
2019
84 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€148k▲ 9.0%
2023 · €136k
2018: €61k
2019: €39k
2020: €25k
2021: €51k
2022: €78k
2023: €136k
2018 → 2024
Total assets
€229k▲ 26.9%
2023 · €180k
2018: €100k
2019: €83k
2020: €57k
2021: €85k
2022: €184k
2023: €180k
2018 → 2024
Net result
€12k▼ 79.1%
2023 · €59k
2018: €-32k
2019: €-22k
2020: €-14k
2021: €26k
2022: €60k
2023: €59k
2018 → 2024
Working capital
€137k▲ 8.9%
2023 · €126k
2018: €60k
2019: €31k
2020: €20k
2021: €51k
2022: €103k
2023: €126k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€25k-€51k▲ 104%€78k▲ 51.3%€136k▲ 75.8%€148k▲ 9.0%
Operating result€-14k-€27k€84k▲ 218%€88k▲ 4.1%€19k▼ 78.7%
Net result€-14k-€26k€60k▲ 131%€59k▼ 2.6%€12k▼ 79.1%
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 2024; 2024 is 79% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €229k
Fixed assets
€47k ▲ 302%
Current assets
€182k ▲ 8.0%
Equity and liabilities €229k
Equity
€148k ▲ 9.0%
Debt
€80k ▲ 82.2%
Debt's share of the balance-sheet total rises from 24.4% to 35.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€28k▼
2023 · €95k
Cash flow
€21k▼
2023 · €66k
Current ratio
4.03▲
2023 · 3.93
Debt to equity
0.54▲
2023 · 0.32
ROE
8.3%▼
2023 · 43.1%
ROA
5.4%▼
2023 · 32.6%
Interest coverage
9.04▼
2023 · 106.87
Debt ≤ 1 year
€45k▲
2023 · €43k
Debt > 1 year
€34k
Income taxes
€6k▼
2023 · €31k
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 · 2024 against 2023 · 48 lines
Balance sheet
Code20232024
Assets
Total assets20/58€180k€229k▲
Fixed assets21/28€12k€47k▲
Tangible fixed assets22/27€12k€47k▲
Furniture and vehicles24€12k€47k▲
Current assets29/58€169k€182k▲
Amounts receivable after more than one year29€123k€126k▲
Other amounts receivable291€123k€126k▲
Amounts receivable within one year40/41€10k€37k▲
Trade receivables40€10k€32k▲
Other amounts receivable41€735€4k▲
Cash at bank and in hand54/58€32k€14k▼
Deferred charges and accrued income490/1€3k€6k▲
Equity and liabilities
Total equity and liabilities10/49€180k€229k▲
Equity10/15€136k€148k▲
Contributions10/11€20k€20k=
Reserves13€116k€128k▲
Distributable reserves133€116k€128k▲
Profit (loss) carried forward14€38€91▲
Amounts payable17/49€44k€80k▲
Amounts payable after more than one year17-€34k
Financial debts170/4-€34k
Amounts payable within one year42/48€43k€45k▲
Current portion of amounts payable after more than one year42-€10k
Financial debts43€17k€10k▼
Credit institutions430/8€17k-
Other loans439-€10k
Trade debts44€5k€5k▼
Suppliers440/4€5k€5k▼
Taxes, remuneration and social security45€14k€20k▲
Taxes450/3€14k€20k▲
Other amounts payable47/48€6k€653▼
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€1k€12k▲
Gross operating margin9900€97k€40k▼
Operating profit (loss)9901€88k€19k▼
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€893€3k▲
Recurring financial charges65€893€3k▲
Profit (loss) for the period before taxes9903€89k€18k▼
Income taxes67/77€31k€6k▼
Profit (loss) for the period9904€59k€12k▼
Profit (loss) for the period to be appropriated9905€59k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€59k€12k▼
Profit (loss) brought forward from the previous period14P€10€38▲
Transfer to equity691/2€59k€12k▼
To other reserves6921€59k€12k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €100kEq €136k ▲75.8%
3 profitable years in a row build equity to €136k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €60k ▲131%
Net result €60k, the highest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Back to profitnet €26k
Net result €26k after 3 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 84 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
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, Courcelles · 1 establishment unit since 2016
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.
Rue Royale(GY) 76181 CourcellesGround area
925 m²
Building footprint
70 m²
Volume, LiDAR
549 m³
Parcel 52031B0981/00N000, Wallonia · tallest building 8.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
F4V Consulting
since 20162.253.032.361
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52031B0981/00N000 | Wallonia | 925 m² | 1 · 70 m² | 8.7 m · 3 fl. |
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.
Similar companies · same sector, comparable size
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Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 7,127 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-04-2016
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:david.blauwar@Hotmail.com