FERRARO CONSULTANCY
ActiveFERRARO CONSULTANCY has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €210k and a net result of €103k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 66% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 2.85 against 2.54 in 2024), and 28.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 70
Relative position
BE, all sectors
reference
Sector 70
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
71.6%
Return on assets
35.1%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €210k
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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
2023
31 d late
2022
38 d late
2021
127 d late
2020
180 d late
2019
22 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€210k▲ 47.7%
2024 · €142k
2019: €47k
2020: €54k
2021: €16k
2022: €-10k
2023: €54k
2024: €142k
2019 → 2025
Total assets
€293k▲ 53.5%
2024 · €191k
2019: €64k
2020: €70k
2021: €31k
2022: €3k
2023: €98k
2024: €191k
2019 → 2025
Net result
€103k▲ 15.9%
2024 · €89k
2019: €35k
2020: €6k
2021: €-37k
2022: €-26k
2023: €63k
2024: €89k
2019 → 2025
Working capital
€154k▲ 104%
2024 · €75k
2019: €47k
2020: €53k
2021: €14k
2022: €-11k
2023: €18k
2024: €75k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€-10k€54k€142k▲ 166%€210k▲ 47.7%
Operating result€-36k-€-26k▲ 29.5%€72k€134k▲ 86.9%€152k▲ 13.8%
Net result€-37k-€-26k▲ 30.9%€63k€89k▲ 40.7%€103k▲ 15.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 14% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €293k
Fixed assets
€56k▼ 15.8%
Current assets
€237k▲ 90.9%
Equity and liabilities €293k
Equity
€210k▲ 47.7%
Debt
€83k▲ 70.5%
The debt ratio rises from 25.6% to 28.4%: debt grows faster than equity.
Key figures and ratios
EBITDA
€165k▲
2024 · €145k
Cash flow
€116k▲
2024 · €100k
Solvency
71.6%▼
2024 · 74.4%
Current ratio
2.85▲
2024 · 2.54
Quick ratio
2.85▲
2024 · 2.54
Debt / equity
0.40▲
2024 · 0.34
ROE
49.0%▼
2024 · 62.4%
ROA
35.1%▼
2024 · 46.4%
Interest coverage
1260.24▲
2024 · 990.89
Debt
€83k▲
2024 · €49k
Debt ≤ 1 year
€83k▲
2024 · €49k
Income taxes
€51k▲
2024 · €45k
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€191k€293k▲
Fixed assets21/28€67k€56k▼
Tangible fixed assets22/27€67k€56k▼
Furniture and vehicles24€36k€29k▼
Other tangible fixed assets26€31k€27k▼
Current assets29/58€124k€237k▲
Amounts receivable within one year40/41€37k€44k▲
Trade receivables40€36k€33k▼
Other amounts receivable41€762€11k▲
Current investments50/53-€150k
Cash at bank and in hand54/58€87k€42k▼
Deferred charges and accrued income490/1€816€1k▲
Equity and liabilities
Total equity and liabilities10/49€191k€293k▲
Equity10/15€142k€210k▲
Contributions10/11€12k€12k=
Reserves13€91k€193k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€89k€192k▲
Profit (loss) carried forward14€39k€4k▼
Amounts payable17/49€49k€83k▲
Amounts payable within one year42/48€49k€83k▲
Trade debts44€383€732▲
Suppliers440/4€383€732▲
Taxes, remuneration and social security45€48k€48k▼
Taxes450/3€48k€48k▼
Other amounts payable47/48-€35k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€13k▲
Other operating charges640/8€3k€647▼
Gross operating margin9900€147k€166k▲
Operating profit (loss)9901€134k€152k▲
Financial income75/76B€43€2k▲
Recurring financial income75€43€2k▲
Financial charges65/66B€146€131▼
Recurring financial charges65€146€131▼
Profit (loss) for the period before taxes9903€134k€154k▲
Income taxes67/77€45k€51k▲
Profit (loss) for the period9904€89k€103k▲
Profit (loss) for the period to be appropriated9905€89k€103k▲
Appropriation of the result
Profit (loss) to be appropriated9906€128k€142k▲
Profit (loss) brought forward from the previous period14P€39k€39k=
Transfer to equity691/2€89k€103k▲
To other reserves6921€89k€103k▲
Profit to be distributed694/7-€35k
Return on contributions (dividend)694-€35k
The notes to these accounts (5 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
Highest result since 2019net €103k ▲15.9%
Operating result €152k, net result €103k, both a record.
31-12
Financial
Equity above €200kEq €210k ▲47.7%
3 profitable years in a row build equity to €210k.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Equity above €100kEq €142k ▲166%
2 profitable years in a row build equity to €142k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Back to profitnet €63k
Net result €63k after 2 loss-making years.
31-12
Financial
Liquidity times 11current ratio 1.41
Current ratio from 0.12 to 1.41.
07-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 38 days late
2022
05-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 127 days late
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 180 days late
2021
31-12
Financial
Weakest financial yearnet €-37k ▼688%
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
2020
09-07
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
4 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, Sint-Lambrechts-Woluwe · 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.
Oscar Jesperslaan 561200 Sint-Lambrechts-WoluweGround area
1.2 ha
Building footprint
1,282 m²
Volume, LiDAR
15,563 m³
2 parcels, Brussels · tallest building 17.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Ferraro Consultancy
since 20192.289.415.279
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21018A0015/00L000 | Brussels | 1.0 ha | 1 · 933 m² | 17.3 m · 4 fl. |
| 21019A0161/00R003 | Brussels | 1,528 m² | 1 · 349 m² | 15.0 m · 4 fl. |
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.
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 39,523 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-03-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.