Financial Consulting Business
ActiveSummary
Financial Consulting Business has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €217k and a net result of €33k. Equity is growing by ~25.4% per year across the filed fiscal years. Its solvency ranks better than 22% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+2
Solvency48▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity short (current ratio 0.52 against 0.27 in 2024; short-term debt: 15.9% and cash: 0.6% of total assets), and 77.1% 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
22.9%
Return on assets
3.5%
Age of the figures
9 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 12707 sector peers (2025).
NBB · sector comparisonPosition among 12707 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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
25 d late
2024
27 d late
2023
13 d early
2022
11 d early
2021
31 d late
2020
30 d late
2019
94 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€137k
EBIT margin
5.0%
Net result
€33k▲ 87.0%
2024 · €18k
2018: €2k
2019: €15k
2020: €13k
2021: €41k
2022: €28k
2023: €31k
2024: €18k
2018 → 2025
Working capital
€-72k▲ 46.1%
2024 · €-134k
2018: €16k
2019: €21k
2020: €25k
2021: €-89k
2022: €53k
2023: €-109k
2024: €-134k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€94k-€135k▲ 43.3%€166k▲ 22.9%€184k▲ 10.7%€217k▲ 18.0%
Operating result€68k-€49k▼ 27.8%€53k▲ 9.3%€43k▼ 20.4%€73k▲ 72.5%
Net result€41k-€28k▼ 31.3%€31k▲ 8.7%€18k▼ 42.6%€33k▲ 87.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 72% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €948k
Fixed assets
€870k ▲ 2.5%
Current assets
€78k ▲ 59.2%
Equity and liabilities €948k
Equity
€217k ▲ 18.0%
Debt
€731k ▲ 2.4%
Debt's share of the balance-sheet total falls from 79.5% to 77.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€119k▲
2024 · €84k
Cash flow
€79k▲
2024 · €59k
Current ratio
0.52▲
2024 · 0.27
Debt to equity
3.37▼
2024 · 3.88
ROE
15.3%▲
2024 · 9.6%
ROA
3.5%▲
2024 · 2.0%
Interest coverage
7.46▲
2024 · 7.21
Debt ≤ 1 year
€151k▼
2024 · €183k
Debt > 1 year
€580k▲
2024 · €531k
Income taxes
€24k▲
2024 · €13k
Staff costs
€36k▲
2024 · €36k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€898k€948k▲
Fixed assets21/28€849k€870k▲
Tangible fixed assets22/27€629k€595k▼
Land and buildings22€586k€571k▼
Plant, machinery and equipment23€13k€10k▼
Furniture and vehicles24€21k€13k▼
Assets under construction and advance payments27€8k€0▼
Financial fixed assets28€220k€275k▲
Current assets29/58€49k€78k▲
Amounts receivable within one year40/41€31k€16k▼
Trade receivables40€29k€16k▼
Other amounts receivable41€2k€444▼
Current investments50/53€6k€56k▲
Cash at bank and in hand54/58€13k€6k▼
Equity and liabilities
Total equity and liabilities10/49€898k€948k▲
Equity10/15€184k€217k▲
Contributions10/11€19k€19k=
Reserves13€159k€192k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€157k€190k▲
Profit (loss) carried forward14€6k€6k=
Amounts payable17/49€714k€731k▲
Amounts payable after more than one year17€531k€580k▲
Financial debts170/4€528k€578k▲
Other amounts payable178/9€3k€3k=
Amounts payable within one year42/48€183k€151k▼
Current portion of amounts payable after more than one year42€24k€60k▲
Financial debts43€115k€60k▼
Credit institutions430/8€115k€60k▼
Other loans439€0-
Trade debts44€2k€0▼
Suppliers440/4€2k€0▼
Taxes, remuneration and social security45€21k€22k▲
Taxes450/3€14k€17k▲
Remuneration and social security454/9€7k€6k▼
Other amounts payable47/48€22k€8k▼
Income statement
Code20242025
Remuneration, social security and pensions62€36k€36k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€45k▲
Other operating charges640/8€4k€8k▲
Gross operating margin9900€124k€164k▲
Operating profit (loss)9901€43k€73k▲
Financial income75/76B€72€0▼
Recurring financial income75€72€0▼
Financial charges65/66B€12k€16k▲
Recurring financial charges65€12k€16k▲
Profit (loss) for the period before taxes9903€31k€57k▲
Income taxes67/77€13k€24k▲
Profit (loss) for the period9904€18k€33k▲
Profit (loss) for the period to be appropriated9905€18k€33k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€39k▲
Profit (loss) brought forward from the previous period14P€6k€6k=
Transfer to equity691/2€18k€33k▲
To other reserves6921€18k€33k▲
The notes to these accounts (11 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Equity above €200kEq €217k ▲18%
8 profitable years in a row build equity to €217k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €166k ▲22.9%
6 profitable years in a row build equity to €166k.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 1.72
Current ratio from 0.61 to 1.72; short-term debt falls from €225k to €73k.
31-12
Financial
Equity above €100kEq €135k ▲43.3%
5 profitable years in a row build equity to €135k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €41k ▲217%
Net result €41k, the highest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
02-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 94 days late
Show earlier events
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 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, Sprimont · 1 establishment unit since 2011
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.
Rue Piretfontaine(DLX) 184140 SprimontGround area
3,420 m²
Building footprint
17 m²
Volume, LiDAR
44 m³
Parcel 62028B0295/00D000, Wallonia · tallest building 4.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
FINANCIAL CONSULTING BUSINESS
since 20112.194.386.161
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62028B0295/00D000 | Wallonia | 3,420 m² | 1 · 17 m² | 4.5 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.
Similar companies · same sector, comparable size
BUREX SERVICE
BE 0426.361.223
Ans · Eq €217,077
ACW – Accountant & Consult
BE 0803.088.734
Marche-en-Famenne · Eq €217,090
Centrum voor Beleidsadvies
BE 0426.015.486
Harelbeke · Eq €216,905
GOUNOD FISCALITE COMPTABILITE
BE 0401.921.874
Anderlecht · Eq €216,859
STRATEX CONSEILS
BE 0673.617.686
Rochefort · Eq €216,844
Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 6,313 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-2010
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.