FIBO CONSULT
ActiveFIBO CONSULT has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.70M and a net result of €144k. Equity is growing by ~20.5% per year across the filed fiscal years. Its solvency ranks better than 92% of 37959 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability79▼-7
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €150k at 30 days acceptable
Liquidity ample (current ratio 14.94 against 19.75 in 2023; short-term debt: 6.7% and cash: 24.6% of total assets), and 6.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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 →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
93.3%
Return on assets
7.9%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-09-2025, 54 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
54 d late
2023
56 d late
2022
31 d late
2021
78 d late
2020
117 d late
2019
108 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€1.70M▲ 9.3%
2023 · €1.55M
2018: €444k
2019: €644k
2020: €866k
2021: €1.05M
2022: €1.32M
2023: €1.55M
2018 → 2024
Total assets
€1.82M▲ 11.2%
2023 · €1.64M
2018: €766k
2019: €875k
2020: €985k
2021: €1.27M
2022: €1.50M
2023: €1.64M
2018 → 2024
Net result
€144k▼ 37.6%
2023 · €231k
2018: €205k
2019: €201k
2020: €222k
2021: €186k
2022: €271k
2023: €231k
2018 → 2024
Working capital
€1.70M▲ 9.4%
2023 · €1.55M
2018: €411k
2019: €613k
2020: €834k
2021: €1.05M
2022: €1.32M
2023: €1.55M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€866k-€1.05M▲ 21.4%€1.32M▲ 25.8%€1.55M▲ 17.5%€1.70M▲ 9.3%
Operating result€293k-€240k▼ 18.0%€344k▲ 43.5%€286k▼ 17.0%€140k▼ 51.1%
Net result€222k-€186k▼ 16.5%€271k▲ 46.1%€231k▼ 14.8%€144k▼ 37.6%
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 two years in a row; 2024 is 51% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.82M
Fixed assets
€2k▼ 41.2%
Current assets
€1.82M▲ 11.3%
Equity and liabilities €1.82M
Equity
€1.70M▲ 9.3%
Debt
€122k▲ 47.1%
The debt ratio rises from 5.1% to 6.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€142k▼
2023 · €289k
Cash flow
€146k▼
2023 · €234k
Solvency
93.3%▼
2023 · 94.9%
Current ratio
14.94▼
2023 · 19.75
Quick ratio
14.94▼
2023 · 19.75
Debt / equity
0.07▲
2023 · 0.05
ROE
8.5%▼
2023 · 14.9%
ROA
7.9%▼
2023 · 14.1%
Interest coverage
77.48▼
2023 · 133.90
Debt
€122k▲
2023 · €83k
Debt ≤ 1 year
€122k▲
2023 · €83k
Income taxes
€70k▼
2023 · €111k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.64M€1.82M▲
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23€0€724▲
Furniture and vehicles24€3k€1k▼
Current assets29/58€1.63M€1.82M▲
Amounts receivable within one year40/41€1.21M€1.37M▲
Trade receivables40-€15k
Other amounts receivable41€1.21M€1.35M▲
Current investments50/53€240k€0▼
Cash at bank and in hand54/58€186k€448k▲
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€1.64M€1.82M▲
Equity10/15€1.55M€1.70M▲
Contributions10/11€19k€19k=
Reserves13€1.54M€1.68M▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€1.54M€1.68M▲
Amounts payable17/49€83k€122k▲
Amounts payable within one year42/48€83k€122k▲
Trade debts44€3k€21k▲
Suppliers440/4€3k€21k▲
Taxes, remuneration and social security45€80k€101k▲
Taxes450/3€80k€101k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€291k€143k▼
Operating profit (loss)9901€286k€140k▼
Financial income75/76B€58k€76k▲
Recurring financial income75€58k€76k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€342k€214k▼
Income taxes67/77€111k€70k▼
Profit (loss) for the period9904€231k€144k▼
Profit (loss) for the period to be appropriated9905€231k€144k▼
Appropriation of the result
Profit (loss) to be appropriated9906€231k€144k▼
Transfer to equity691/2€231k€144k▼
To other reserves6921€231k€144k▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 54 days late
2024
31-12
Financial
Weakest financial yearnet €144k ▼37.6%
Net result drops to €144k, the lowest in the series.
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 56 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 19.75
Current ratio from 8.30 to 19.75; short-term debt falls from €180k to €83k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €271k ▲46.1%
Operating result €344k, net result €271k, both a record.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
31-12
Financial
Equity above €1MEq €1.05M ▲21.4%
4 profitable years in a row build equity to €1.05M.
25-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 117 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 8.54
Current ratio from 3.98 to 8.54; short-term debt falls from €206k to €111k.
16-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 108 days late
2019
31-12
Financial
Equity above €500kEq €644k ▲45.2%
2 profitable years in a row build equity to €644k.
19-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 111 days late
2018
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 56 days late
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 323 days late
2016
21-12
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 143 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Brakel · 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.
Trimpont 129660 BrakelGround area
7,260 m²
Building footprint
172 m²
Volume, LiDAR
560 m³
Parcel 45012B0113/00D000, Flanders · tallest building 7.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
FIBO CONSULT
since 20062.154.837.182
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45012B0113/00D000 | Flanders | 7,260 m² | 1 · 172 m² | 7.1 m · 1 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 22,026 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-06-2006
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
80424
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.