FinAce Consulting
ActiveFinAce Consulting has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €56k and a net result of €11k. Equity is growing by ~35.1% per year across the filed fiscal years. Its solvency ranks better than 40% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-9
Solvency69▲+7
Growth52=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.47 against 1.27 in 2024; short-term debt: 34.9% and cash: 21.6% of total assets), and 56.1% 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 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
43.9%
Return on assets
9%
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 26-08-2026, 26 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 · 3 filingsDeviation from the deadline
2025
26 d late
2024
27 d late
2023
21 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€56k▲ 25.8%
2024 · €44k
2023: €25k
2024: €44k
2023 → 2025
Total assets
€127k▲ 4.8%
2024 · €121k
2023: €50k
2024: €121k
2023 → 2025
Net result
€11k▼ 42.0%
2024 · €20k
2023: €24k
2024: €20k
2023 → 2025
Working capital
€21k▲ 109%
2024 · €10k
2023: €17k
2024: €10k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€25k-€44k▲ 80.0%€56k▲ 25.8%
Operating result€31k-€27k▼ 12.8%€19k▼ 29.3%
Net result€24k-€20k▼ 16.7%€11k▼ 42.0%
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; 2025 is 29% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €127k
Fixed assets
€62k▼ 16.6%
Current assets
€65k▲ 38.5%
Equity and liabilities €127k
Equity
€56k▲ 25.8%
Debt
€71k▼ 7.3%
The debt ratio falls from 63.4% to 56.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€34k▲
2024 · €32k
Cash flow
€26k▲
2024 · €25k
Solvency
43.9%▲
2024 · 36.6%
Current ratio
1.47▲
2024 · 1.27
Quick ratio
1.47▲
2024 · 1.27
Debt / equity
1.28▼
2024 · 1.73
ROE
20.5%▼
2024 · 44.4%
ROA
9.0%▼
2024 · 16.3%
Interest coverage
18.00▼
2024 · 61.26
Debt
€71k▼
2024 · €77k
Debt ≤ 1 year
€44k▲
2024 · €37k
Debt > 1 year
€26k▼
2024 · €40k
Income taxes
€6k▼
2024 · €7k
Staff costs
€39k▲
2024 · €17k
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€121k€127k▲
Fixed assets21/28€74k€62k▼
Tangible fixed assets22/27€74k€62k▼
Furniture and vehicles24€64k€53k▼
Other tangible fixed assets26€10k€9k▼
Current assets29/58€47k€65k▲
Amounts receivable within one year40/41€22k€36k▲
Trade receivables40-€17k
Other amounts receivable41€22k€19k▼
Cash at bank and in hand54/58€24k€28k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€121k€127k▲
Equity10/15€44k€56k▲
Contributions10/11€1k€1k=
Reserves13€43k€55k▲
Distributable reserves133€43k€55k▲
Amounts payable17/49€77k€71k▼
Amounts payable after more than one year17€40k€26k▼
Financial debts170/4€40k€26k▼
Amounts payable within one year42/48€37k€44k▲
Current portion of amounts payable after more than one year42€13k€14k▲
Trade debts44€11k€13k▲
Suppliers440/4€11k€13k▲
Taxes, remuneration and social security45€7k€7k▲
Taxes450/3€7k€6k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€6k€11k▲
Accrued charges and deferred income492/3-€750
Income statement
Code20242025
Remuneration, social security and pensions62€17k€39k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€15k▲
Other operating charges640/8€499€825▲
Gross operating margin9900€50k€74k▲
Operating profit (loss)9901€27k€19k▼
Financial charges65/66B€526€2k▲
Recurring financial charges65€526€2k▲
Profit (loss) for the period before taxes9903€26k€17k▼
Income taxes67/77€7k€6k▼
Profit (loss) for the period9904€20k€11k▼
Profit (loss) for the period to be appropriated9905€20k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€20k€11k▼
Transfer to equity691/2€20k€11k▼
To other reserves6921€20k€11k▼
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Weakest financial yearnet €11k ▼42%
Net result drops to €11k, the lowest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 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, Oud-Heverlee · 1 establishment unit since 2023
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.
Groot Neerveld 223051 Oud-HeverleeGround area
438 m²
Building footprint
91 m²
Volume, LiDAR
164 m³
Parcel 24100B0545/00A000, Flanders · tallest building 11.1 m. Linked by address, not a title deed.
1 establishment unit
FinAce Consulting
since 20232.339.523.994
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24100B0545/00A000 | Flanders | 438 m² | 1 · 91 m² | 11.1 m |
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.
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 38,633 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.