FINASSUR CONSULT
ActiveFINASSUR CONSULT has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €348k and a net result of €-146k. Equity is growing by ~77.7% per year across the filed fiscal years. Its solvency ranks better than 71% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-93
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 2.3 against 53.95 in 2024), and 24.7% 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 →
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 31-12-2025 was due by 31-07-2026 and was filed on 29-04-2026, 93 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
93 d early
2024
27 d early
2023
13 d early
2022
32 d late
2021
39 d early
2020
43 d early
2019
56 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
Turnover
€0
2024 · €0
2024: €0
2024 → 2025
EBIT margin
Not included in this filing
Net result
€-146k
2024 · €92k
2018: €21k
2019: €-1k
2020: €54k
2021: €22k
2022: €-230k
2023: €112k
2024: €92k
2018 → 2025
Working capital
€147k▼ 49.6%
2024 · €292k
2018: €-45k
2019: €-56k
2020: €-71k
2021: €-52k
2022: €132k
2023: €212k
2024: €292k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€0€0
Equity€82k-€290k▲ 254%€402k▲ 38.6%€494k▲ 22.8%€348k▼ 29.6%
Operating result€45k-€-199k€-53k▲ 73.2%€96k€-36k
Net result€22k-€-230k€112k€92k▼ 18.1%€-146k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €36k after €96k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €462k
Fixed assets
€201k▼ 0.4%
Current assets
€261k▼ 12.5%
Equity and liabilities €462k
Equity
€348k▼ 29.6%
Debt
€114k▲ 1,963%
The debt ratio rises from 1.1% to 24.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-35k▼
2024 · €97k
Cash flow
€-146k▼
2024 · €93k
Solvency
75.3%▼
2024 · 98.9%
Current ratio
2.30▼
2024 · 53.95
Quick ratio
2.30▼
2024 · 53.95
Debt / equity
0.33▲
2024 · 0.01
ROE
-42.1%▼
2024 · 18.6%
ROA
-31.7%▼
2024 · 18.3%
Interest coverage
-1.68▼
2024 · 33.06
Debt
€114k▲
2024 · €6k
Debt ≤ 1 year
€113k▲
2024 · €6k
Income taxes
€88k▲
2024 · €1k
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€500k€462k▼
Formation expenses20€0€0=
Fixed assets21/28€202k€201k▼
Tangible fixed assets22/27€1k€759▼
Land and buildings22€0-
Plant, machinery and equipment23€1k€759▼
Furniture and vehicles24€0€0=
Other tangible fixed assets26€0€0=
Financial fixed assets28€200k€200k=
Current assets29/58€298k€261k▼
Amounts receivable within one year40/41€266k€5k▼
Trade receivables40€0€0=
Other amounts receivable41€266k€5k▼
Cash at bank and in hand54/58€32k€256k▲
Deferred charges and accrued income490/1-€0
Equity and liabilities
Total equity and liabilities10/49€500k€462k▼
Equity10/15€494k€348k▼
Reserves13€419k€0▼
Tax-exempt reserves132€419k€0▼
Profit (loss) carried forward14€75k€348k▲
Amounts payable17/49€6k€114k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€6k€113k▲
Current portion of amounts payable after more than one year42€0-
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€5k€5k▼
Suppliers440/4€5k€5k▼
Taxes, remuneration and social security45€174€108k▲
Taxes450/3€174€108k▲
Remuneration and social security454/9€0€0=
Other amounts payable47/48€0€0=
Accrued charges and deferred income492/3-€551
Income statement
Code20242025
Turnover70€0€0=
Non-recurring operating income76A-€0
Goods, raw materials, services and sundry goods60/61€228k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€712▼
Other operating charges640/8€677€423▼
Gross operating margin9900€98k€-35k▼
Operating profit (loss)9901€96k€-36k▼
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€3k€23k▲
Recurring financial charges65€3k€21k▲
Non-recurring financial charges66B€1€2k▲
Profit (loss) for the period before taxes9903€93k€-59k▼
Income taxes67/77€1k€88k▲
Profit (loss) for the period9904€92k€-146k▼
Transfer from tax-exempt reserves789-€419k
Profit (loss) for the period to be appropriated9905€92k€272k▲
Appropriation of the result
Profit (loss) to be appropriated9906€75k€348k▲
Profit (loss) brought forward from the previous period14P€-16k€75k▲
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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 16current ratio 53.95
Current ratio from 3.44 to 53.95; short-term debt falls from €87k to €6k.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €112k
Net result €112k after one loss-making year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Weakest financial yearnet €-230k ▼1161%
Net result drops to €-230k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 7current ratio 2.75
Current ratio from 0.37 to 2.75; short-term debt falls from €83k to €75k.
31-12
Financial
Equity above €200kEq €290k ▲254%
Equity rises from €82k to €290k.
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €54k
Net result €54k after one loss-making year.
05-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
12-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2011
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
08-12-2011
Resigned as Managing director
Location & real-estate footprint
Registered office, Fléron · 1 establishment unit since 2001
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 Bureau 34621 FléronGround area
1,936 m²
Building footprint
192 m²
Volume, LiDAR
1,586 m³
Parcel 62038A0383/00B004, Wallonia · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Finassur consult
since 20012.101.315.849
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62038A0383/00B004 | Wallonia | 1,936 m² | 1 · 192 m² | 10.7 m · 3 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 82,241 companies in sector 70200 we hold annual accounts for 52,386. 37,149 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-10-2000
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 24 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.
Contact details
3 entriesE-mail:finassur.consult@gmail.com
Phone:04/3413736
Fax:02/2282710