FINCO CONSULTING
ActiveFINCO CONSULTING has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €447k and a net result of €60k. Equity is growing by ~13.9% per year across the filed fiscal years. Its solvency ranks better than 94% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▼-3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 21.95 against 9.19 in 2024; short-term debt: 4.5% and cash: 23.1% of total assets), and 4.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
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
95.5%
Return on assets
12.7%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
31 d early
2021
33 d early
2020
58 d late
2019
29 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close23-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Turnover
€179k
EBIT margin
28.6%
Net result
€60k▼ 10.6%
2024 · €67k
2019: €9k
2020: €19k
2021: €23k
2022: €35k
2023: €43k
2024: €67k
2019 → 2025
Working capital
€444k▲ 53.6%
2024 · €289k
2019: €150k
2020: €101k
2021: €162k
2022: €207k
2023: €243k
2024: €289k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€179k
Equity€252k-€285k▲ 13.3%€326k▲ 14.5%€389k▲ 19.4%€447k▲ 14.9%
Operating result€35k-€51k▲ 48.3%€62k▲ 21.3%€95k▲ 53.3%€63k▼ 34.3%
Net result€23k-€35k▲ 52.9%€43k▲ 22.7%€67k▲ 55.9%€60k▼ 10.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 34% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €469k
Fixed assets
€3k▼ 96.5%
Current assets
€465k▲ 43.5%
Equity and liabilities €469k
Equity
€447k▲ 14.9%
Debt
€21k▼ 39.9%
The debt ratio falls from 8.3% to 4.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€64k▼
2024 · €104k
Cash flow
€62k▼
2024 · €75k
Solvency
95.5%▲
2024 · 91.7%
Current ratio
21.95▲
2024 · 9.19
Quick ratio
21.95▲
2024 · 9.19
Debt / equity
0.05▼
2024 · 0.09
ROE
13.4%▼
2024 · 17.2%
ROA
12.7%▼
2024 · 15.7%
Interest coverage
563.48▼
2024 · 687.05
Debt
€21k▼
2024 · €35k
Debt ≤ 1 year
€21k▼
2024 · €35k
Income taxes
€21k▼
2024 · €29k
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€425k€469k▲
Fixed assets21/28€100k€3k▼
Tangible fixed assets22/27€29k€3k▼
Land and buildings22€21k€2k▼
Plant, machinery and equipment23€2k€420▼
Furniture and vehicles24€5k€75▼
Other tangible fixed assets26€2k€609▼
Financial fixed assets28€71k€90▼
Current assets29/58€324k€465k▲
Amounts receivable within one year40/41€23k€23k▲
Trade receivables40€23k€20k▼
Other amounts receivable41-€3k
Current investments50/53€225k€333k▲
Cash at bank and in hand54/58€75k€108k▲
Deferred charges and accrued income490/1€790€1k▲
Equity and liabilities
Total equity and liabilities10/49€425k€469k▲
Equity10/15€389k€447k▲
Contributions10/11€6k€6k=
Reserves13€322k€381k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€103k€103k=
Distributable reserves133€217k€277k▲
Profit (loss) carried forward14€61k€60k▼
Amounts payable17/49€35k€21k▼
Amounts payable within one year42/48€35k€21k▼
Trade debts44€4k€7k▲
Suppliers440/4€4k€7k▲
Taxes, remuneration and social security45€26k€12k▼
Taxes450/3€24k€12k▼
Remuneration and social security454/9€2k-
Other amounts payable47/48€5k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€2k▼
Other operating charges640/8€4k€5k▲
Non-recurring operating charges66A€-2k€6k▲
Gross operating margin9900€106k€75k▼
Operating profit (loss)9901€95k€63k▼
Financial income75/76B€558€19k▲
Recurring financial income75€558€393▼
Non-recurring financial income76B-€18k
Financial charges65/66B€151€114▼
Recurring financial charges65€151€114▼
Profit (loss) for the period before taxes9903€96k€81k▼
Income taxes67/77€29k€21k▼
Profit (loss) for the period9904€67k€60k▼
Profit (loss) for the period to be appropriated9905€67k€60k▼
Appropriation of the result
Profit (loss) to be appropriated9906€130k€121k▼
Profit (loss) brought forward from the previous period14P€63k€61k▼
Transfer to equity691/2€67k€60k▼
To other reserves6921€67k€60k▼
Profit to be distributed694/7€2k€2k▲
Return on contributions (dividend)694€2k€2k▲
The notes to these accounts (9 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Liquidity doublescurrent ratio 21.95
Current ratio from 9.19 to 21.95; short-term debt falls from €35k to €21k.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Highest result since 2019net €67k ▲55.9%
Operating result €95k, net result €67k, both a record.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
28-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 58 days late
2019
29-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 29 days late
2018
17-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
06-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
03-10
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
3 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, Watermaal-Bosvoorde · 1 establishment unit since 2007
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.
Valkerijlaan 421170 Watermaal-BosvoordeGround area
619 m²
Building footprint
444 m²
Volume, LiDAR
9,594 m³
2 parcels, Brussels · tallest building 26.7 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Adolphe Saxplein 5, 1050 Elsene
since 20072.163.059.022
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21443C0202/00W002 | Brussels | 371 m² | 1 · 371 m² | 26.6 m · 8 fl. |
| 21652E0129/00F004 | Brussels | 248 m² | 1 · 73 m² | 12.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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INDUSTRY CONSULTANCY
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 35,507 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded31-05-2007
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
74141
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.