Equity
-€383,826
Debts exceed assets in financial year 2025.
Fish 2 Be
Lifetime
12 annual accounts with figures on one time axispeak €836,958 (2025)
€836,958▲ 342%
lowest -€350,949 (2021)
€748,642▲ 674%
peak €347,495 (2017)
-€383,826▲ €748,642
€1.7m▲ 14.7%
peak 2 FTE (2018)
0 FTE
Board8 names since 2020
2 directorsCRESCENOS BV and 1 other
Owners4 names in the annual accounts
Documentsfilings and deeds
28-04-20262 days before the deadline
2025abbreviated format
Gross margin from €189,477 to €836,958Result from €96,666 to €748,642Appointment: LEMMENS Susanna Rosalia Johan (director) 24-02Equity from -€1.1m to -€383,8261 establishment registeredCash from €84,078 to €1.0m
Key points
from the 2025 annual accountsResult
€748,642 ▲ 674%
The result rose in 2025 from €96,666 to €748,642.
Debts
€1.7m 130% of the balance sheet
Suppliers 13%Taxes and wages 7%Other 79%
Of this, €1.6m falls due within a year.
Liquidity
0.80 was 0.25 in 2024
Short-term debts rose from €1.4m to €1.6m.
At the same address
42 companies
Position in the sector
-29.5%
Lower solvency than 95% of companies in head offices and management consultancy. Sector median 52.4% · 10,858 companies.
Checked score
56
Fair
Financially stronger than 51% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%highest value
01-2025: 0.2%▼ -0.1 percentage points vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.1%▼ -0.1 percentage points vs 11-2025
01-2026: 0.2%▲ +0.1 percentage points vs 12-2025
02-2026: 0.1%▼ -0.1 percentage points vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.2%▲ +0.1 percentage points vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.1%▼ -0.1 percentage points vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€383,826
lowers risk
Size: total assets €1.3m
Sector: Activities of head offices; management consultancy activities (NACE 70)
Liquidity: current ratio 0.80, cash €1.0m
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 3% of them on solvency, 33% on liquidity, 84% on profitability and 84% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 265 companies had the same profile as Fish 2 Be has now. Each dot is one company, two years later.
94.3%
were still trading
3.4%
stopped another way
1.1%
went bankrupt
Another 1.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Fish 2 Be itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 265 companies, not a prediction for Fish 2 Be. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.8 (0.25 in 2024), below 1. Short-term debt is 124.9% and cash 79.2% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 10858 sector peers (2025).
NBB · sector comparisonPosition among 10858 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 28-04-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 days early
2024
29 days early
2023
6 days early
2022
6 days early
2021
1 day early
2020
2 days early
2019
8 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 8 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 25 April (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end10-11-2026 today30-04-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0503837695
Appointment: LEMMENS Susanna Rosalia Johan (director)
“voorwerp” (deed in Dutch) · Capital of €616,650, 10,003 shares · General meeting of 19-02-2025 · Gazette deed
First establishment
Kempenstraat 13, Dilsen-Stokkem
Permanent representatives: Susanna Lemmens, Jerica Cretskens and Raymond Cretskens
General meeting of 08-02-2024 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Fish 2 Be Dilsen-Stokkem | €1.3m | €0.8m | -29.5% | 0 |
| PARKLIFE Kortrijk | €1.5m | €1.0m | 41.8% | 0 |
| GREGOIRE TONDREAU Uccle | €1.4m | €1.0m | 60.3% | 0 |
| DPZ CONSULTING Vosselaar | €1.9m | €0.9m | 34.2% | 0 |
| KOIS Ixelles | €1.8m | €0.7m | 20.6% | 0.2 |
| MiCiN Kapellen | €1.3m | €0.6m | 51.0% | 0 |
| Allehow Harelbeke | €1.1m | €0.7m | 1.0% | 0.3 |
These companies have the same main activity as Fish 2 Be: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €1.1m and €1.9m, founded between 2008 and 2014.
Official details
Source: KBO- Status
- Active since 31-01-2013Normal situation
- Registered office
- 43 active companies are registered at this addressSource: KBO register, as of 10 November 2026.
- Activity
- Business and other management consultancyNACE 70200
- Joint committee
- 200Auxiliary committee for white-collar workers · annual accounts 30-09-2023
- Establishment unit
- 2.370.232.9093650 Dilsen-Stokkem, since 01-01-2025
- Financial year end
- 30 September
- Peppol
- Reachable since 02-09-2025
Annual accounts to 30-09-2025
- ≈ €1.3mestimated
- €1.3m▲ 287%
- Filing
- Filed on 28-04-2026, 2 days before the end of the filing period
Insights on Fish 2 Be
Fish 2 Be files the abbreviated format. That format states no turnover. The gross margin rose from -€265,510 in 2014 to €836,958 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Fish 2 Be
- What is the company number of Fish 2 Be?
- The company number of Fish 2 Be is 0503.837.695. The VAT number is the same number with BE in front: BE 0503.837.695.
- Where is Fish 2 Be based?
- The registered office is at Kempenstraat 13, 3650 Dilsen-Stokkem.Company details
- What does Fish 2 Be do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of Fish 2 Be?
- Fish 2 Be is a public limited company (NV).
- When was Fish 2 Be founded?
- Fish 2 Be was founded on 31-01-2013.
- Is Fish 2 Be still active?
- Yes, Fish 2 Be is an active enterprise in the KBO register.
- How many employees does Fish 2 Be have?
- Fish 2 Be had an average of 1.7 full-time equivalents in financial year 2022, according to the filed annual accounts.Financials
- Which joint committee does Fish 2 Be fall under?
- In its 30-09-2023 annual accounts, Fish 2 Be states joint committee 200 (Auxiliary committee for white-collar workers).
- What is the turnover of Fish 2 Be?
- The turnover in financial year 2025 is ≈ €1.3m. This figure is estimated from the gross margin of €836,958 and 74 comparable companies (NACE 70200). It probably lies between €990,000 and €2.3m.
- Is Fish 2 Be profitable?
- In financial year 2025, Fish 2 Be made a profit of €748,642.
- Where can I find the annual accounts of Fish 2 Be?
- Fish 2 Be filed 12 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Fish 2 Be due?
- Fish 2 Be must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
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