FINAMED CONSULT
ActiveFINAMED CONSULT has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €460k and a net result of €26k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 40% of 8092 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
70
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability65▼-11
Solvency68▼-4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity short (current ratio 0.26 against 0.26 in 2023; short-term debt: 27.9% and cash: 4.4% of total assets), and 57.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-07-2025, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
17 d early
2023
7 d early
2022
12 d early
2021
13 d early
2020
8 d early
2019
1 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€460k▼ 10.0%
2023 · €512k
2018: €306k
2019: €383k
2020: €431k
2021: €516k
2022: €517k
2023: €512k
2018 → 2024
Total assets
€1.08M▼ 0.6%
2023 · €1.08M
2018: €482k
2019: €516k
2020: €557k
2021: €630k
2022: €1.09M
2023: €1.08M
2018 → 2024
Net result
€26k▼ 58.9%
2023 · €63k
2018: €70k
2019: €79k
2020: €95k
2021: €110k
2022: €78k
2023: €63k
2018 → 2024
Working capital
€-223k▼ 28.0%
2023 · €-174k
2018: €-133k
2019: €-49k
2020: €2k
2021: €84k
2022: €-4k
2023: €-174k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€431k-€516k▲ 19.7%€517k▲ 0.1%€512k▼ 1.0%€460k▼ 10.0%
Operating result€138k-€161k▲ 16.4%€129k▼ 19.4%€111k▼ 14.2%€61k▼ 45.4%
Net result€95k-€110k▲ 16.4%€78k▼ 29.4%€63k▼ 18.7%€26k▼ 58.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2024 is 45% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.08M
Fixed assets
€1,000k▼ 2.3%
Current assets
€78k▲ 27.9%
Equity and liabilities €1.08M
Equity
€460k▼ 10.0%
Debt
€617k▲ 7.7%
The debt ratio rises from 52.8% to 57.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€84k▼
2023 · €141k
Cash flow
€49k▼
2023 · €93k
Solvency
42.8%▼
2023 · 47.2%
Current ratio
0.26▼
2023 · 0.26
Quick ratio
0.26▼
2023 · 0.26
Debt / equity
1.34▲
2023 · 1.12
ROE
5.6%▼
2023 · 12.4%
ROA
2.4%▼
2023 · 5.8%
Interest coverage
5.19▼
2023 · 13.20
Debt
€617k▲
2023 · €572k
Debt ≤ 1 year
€300k▲
2023 · €235k
Debt > 1 year
€312k▼
2023 · €336k
Income taxes
€19k▼
2023 · €37k
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€1.08M€1.08M▼
Fixed assets21/28€1.02M€1,000k▼
Tangible fixed assets22/27€606k€582k▼
Land and buildings22€598k€576k▼
Plant, machinery and equipment23€7k€5k▼
Furniture and vehicles24€1k€0▼
Financial fixed assets28€418k€418k=
Current assets29/58€61k€78k▲
Amounts receivable after more than one year29€18k€18k=
Other amounts receivable291€18k€18k=
Amounts receivable within one year40/41€26k€9k▼
Trade receivables40€23k€0▼
Other amounts receivable41€3k€9k▲
Cash at bank and in hand54/58€14k€47k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€1.08M€1.08M▼
Equity10/15€512k€460k▼
Contributions10/11€6k€6k=
Reserves13€506k€454k▼
Distributable reserves133€506k€454k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€572k€617k▲
Amounts payable after more than one year17€336k€312k▼
Financial debts170/4€336k€312k▼
Amounts payable within one year42/48€235k€300k▲
Current portion of amounts payable after more than one year42€58k€46k▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€22k€28k▲
Taxes450/3€22k€28k▲
Other amounts payable47/48€152k€225k▲
Accrued charges and deferred income492/3€2k€5k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€23k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€144k€86k▼
Operating profit (loss)9901€111k€61k▼
Financial charges65/66B€11k€16k▲
Recurring financial charges65€11k€16k▲
Profit (loss) for the period before taxes9903€100k€45k▼
Income taxes67/77€37k€19k▼
Profit (loss) for the period9904€63k€26k▼
Profit (loss) for the period to be appropriated9905€63k€26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€63k€26k▼
Transfer from equity791/2€68k€77k▲
Transfer to equity691/2€63k€26k▼
To other reserves6921€63k€26k▼
Profit to be distributed694/7€68k€77k▲
Return on contributions (dividend)694€68k€77k▲
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €26k ▼58.9%
Net result drops to €26k, the lowest in the series.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €110k ▲16.4%
Operating result €161k, net result €110k, both a record.
31-12
Financial
Equity above €500kEq €516k ▲19.7%
4 profitable years in a row build equity to €516k.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
24-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated 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, Waasmunster · 1 establishment unit since 2010
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.
Molenstraat 449250 WaasmunsterGround area
2,184 m²
Building footprint
259 m²
Volume, LiDAR
1,488 m³
Parcel 42342C1581/00M000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Molenstraat 44, 9250 Waasmunster
since 20102.189.508.150
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42342C1581/00M000 | Flanders | 2,183 m² | 1 · 259 m² | 8.7 m · 2 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.
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 35,311 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-06-2010
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.