FB Consult
ActiveFB Consult has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €140k and a net result of €2k. Equity is growing by ~18.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 2269 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▼-6
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 13.39 against 7.87 in 2024; short-term debt: 7.3% and cash: 42.6% of total assets), and 7.3% 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 93
Relative position
BE, all sectors
reference
Sector 93
lower
← 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
92.7%
Return on assets
1.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 6 filingsDeviation from the deadline
2025
31 d late
2024
22 d late
2023
30 d late
2022
31 d late
2021
30 d late
2020
25 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€140k▲ 1.7%
2024 · €137k
2020: €27k
2021: €82k
2022: €112k
2023: €134k
2024: €137k
2020 → 2025
Total assets
€151k▼ 3.5%
2024 · €156k
2020: €46k
2021: €105k
2022: €139k
2023: €159k
2024: €156k
2020 → 2025
Net result
€2k▼ 35.3%
2024 · €4k
2020: €8k
2021: €55k
2022: €30k
2023: €22k
2024: €4k
2020 → 2025
Working capital
€135k▲ 5.8%
2024 · €128k
2020: €31k
2021: €64k
2022: €91k
2023: €117k
2024: €128k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€82k-€112k▲ 36.4%€134k▲ 20.0%€137k▲ 2.7%€140k▲ 1.7%
Operating result€70k-€40k▼ 43.1%€36k▼ 10.3%€13k▼ 63.2%€11k▼ 17.2%
Net result€55k-€30k▼ 45.8%€22k▼ 25.2%€4k▼ 84.1%€2k▼ 35.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 17% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €151k
Fixed assets
€4k▼ 54.8%
Current assets
€146k▼ 0.2%
Equity and liabilities €151k
Equity
€140k▲ 1.7%
Debt
€11k▼ 41.3%
The debt ratio falls from 11.9% to 7.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€16k▼
2024 · €21k
Cash flow
€7k▼
2024 · €11k
Solvency
92.7%▲
2024 · 88.1%
Current ratio
13.39▲
2024 · 7.87
Quick ratio
13.39▲
2024 · 7.87
Debt / equity
0.08▼
2024 · 0.14
ROE
1.6%▼
2024 · 2.6%
ROA
1.5%▼
2024 · 2.3%
Interest coverage
3.50▼
2024 · 4.10
Debt
€11k▼
2024 · €19k
Debt ≤ 1 year
€11k▼
2024 · €19k
Income taxes
€6k▲
2024 · €5k
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€156k€151k▼
Fixed assets21/28€9k€4k▼
Tangible fixed assets22/27€9k€4k▼
Plant, machinery and equipment23€8k€4k▼
Furniture and vehicles24€2k€341▼
Current assets29/58€147k€146k▼
Amounts receivable within one year40/41€35k€81k▲
Trade receivables40€20k€31k▲
Other amounts receivable41€15k€50k▲
Cash at bank and in hand54/58€110k€64k▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€156k€151k▼
Equity10/15€137k€140k▲
Contributions10/11€19k€19k=
Reserves13€31k€31k=
Distributable reserves133€31k€31k=
Profit (loss) carried forward14€88k€91k▲
Amounts payable17/49€19k€11k▼
Amounts payable within one year42/48€19k€11k▼
Trade debts44€3k€5k▲
Suppliers440/4€3k€5k▲
Taxes, remuneration and social security45€15k€6k▼
Taxes450/3€15k€6k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€5k▼
Other operating charges640/8€466€818▲
Gross operating margin9900€21k€17k▼
Operating profit (loss)9901€13k€11k▼
Financial income75/76B€523€2k▲
Recurring financial income75€523€2k▲
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€9k€8k▼
Income taxes67/77€5k€6k▲
Profit (loss) for the period9904€4k€2k▼
Profit (loss) for the period to be appropriated9905€4k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€88k€91k▲
Profit (loss) brought forward from the previous period14P€85k€88k▲
The notes to these accounts (4 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €2k ▼35.3%
Net result drops to €2k, the lowest in the series.
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €100kEq €112k ▲36.4%
3 profitable years in a row build equity to €112k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Highest result since 2020net €55k ▲565%
Operating result €70k, net result €55k, both a record.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Lochristi · 1 establishment unit since 2019
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.
Wilgenhof 129080 LochristiGround area
923 m²
Building footprint
139 m²
Parcel 44034C1012/00K000, Flanders. Linked by address, not a title deed.
1 establishment unit
FB Consult
since 20192.285.238.440
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44034C1012/00K000 | Flanders | 923 m² | 1 · 139 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.
Similar companies · same sector, comparable size
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TRI-0859
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SPENCO
BE 0860.560.343
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SPORTAC86
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Of 3,873 companies in sector 93199 we hold annual accounts for 606. 443 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-02-2019
Fiscal year end31-12
Activities, NACEBEL
93199Other sports activities
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.