FL Consulting

Active

Private limited companyfounded 20215 yrs activeAntwerpsesteenweg 249, 2950 Kapellen, BelgiumKBO/BCE: BE 0769.655.903

FL Consulting is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €28k and a net result of €25k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 26% of 7962 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Signals

Three signals. The signal on the left, the evidence on the right.

○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 28-04-2026, 94 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

94 d early

2024

182 d early

2023

40 d early

2022

on the day

← before the deadline after the deadline →

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 months

Position in the running window

13-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€28k▼ 74.8%

2024 · €110k

2022: €60k 2023: €114k 2024: €110k

2022 → 2025

Net result

€25k▲ 343%

2024 · €6k

2022: €58k 2023: €54k 2024: €6k

2022 → 2025

Total assets

€125k▲ 5.4%

2024 · €118k

2022: €80k 2023: €134k 2024: €118k

2022 → 2025

Solvency

22.1%▼ 70.6pp

2024 · 92.8%

2022: 75.7% 2023: 85.2% 2024: 92.8%

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€60k-€114k▲ 89.3%€110k▼ 3.9%€28k▼ 74.8%

Operating result€74k-€68k▼ 8.4%€7k▼ 89.0%€31k▲ 318%

Net result€58k-€54k▼ 7.7%€6k▼ 89.6%€25k▲ 343%

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 318% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €125k

38.1%

61.9%

Fixed assets €48k▲ 2.6%

Current assets €77k▲ 7.2%

Equity and liabilities €125k

22.1%

77.9%

Equity €28k▼ 74.8%

Debt €97k▲ 1,033%

The debt ratio rises from 7.2% to 77.9%: debt grows while equity shrinks.

Key figures and ratios

2025 value · change against 2024

Solvency

22.1%▼

2024 · 92.8%

ROE

89.8%▲

2024 · 5.1%

ROA

19.9%▲

2024 · 4.7%

Debt

€97k▲

2024 · €9k

Debt ≤ 1 year

€97k▲

2024 · €9k

Income taxes

€7k▲

2024 · €3k

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€118k€125k▲

Formation expenses20€0€0=

Fixed assets21/28€46k€48k▲

Tangible fixed assets22/27€46k€48k▲

Land and buildings22€46k€48k▲

Plant, machinery and equipment23€130€0▼

Current assets29/58€72k€77k▲

Amounts receivable within one year40/41€45k€57k▲

Trade receivables40-€15k

Other amounts receivable41€45k€42k▼

Cash at bank and in hand54/58€24k€17k▼

Deferred charges and accrued income490/1€3k€4k▲

Equity and liabilities

Total equity and liabilities10/49€118k€125k▲

Equity10/15€110k€28k▼

Contributions10/11€2k€2k=

Profit (loss) carried forward14€108k€26k▼

Amounts payable17/49€9k€97k▲

Amounts payable within one year42/48€9k€97k▲

Trade debts44€551€2k▲

Suppliers440/4€551€2k▲

Taxes, remuneration and social security45€8k€6k▼

Taxes450/3€8k€6k▼

Other amounts payable47/48-€90k

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€752€602▼

Other operating charges640/8€2k€1k▼

Gross operating margin9900€10k€33k▲

Operating profit (loss)9901€7k€31k▲

Financial income75/76B€1k€848▼

Recurring financial income75€1k€848▼

Financial charges65/66B€133€146▲

Recurring financial charges65€133€146▲

Profit (loss) for the period before taxes9903€8k€32k▲

Income taxes67/77€3k€7k▲

Profit (loss) for the period9904€6k€25k▲

Profit (loss) for the period to be appropriated9905€6k€25k▲

Appropriation of the result

Profit (loss) to be appropriated9906€118k€133k▲

Profit (loss) brought forward from the previous period14P€112k€108k▼

Profit to be distributed694/7€10k€107k▲

Return on contributions (dividend)694€10k€107k▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 3Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

28-04

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-01

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Weakest financial yearnet €6k ▼89.6%

Net result drops to €6k, the lowest in the series; recovery starts the following year.

21-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Liquidity doublescurrent ratio 4.37

Current ratio from 1.88 to 4.37.

31-12

Financial Equity above €100kEq €114k ▲89.3%

2 profitable years in a row build equity to €114k.

31-07

NBB filing Annual accounts filed

fiscal year 2022 · micro 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, Kapellen · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Antwerpsesteenweg 2492950 Kapellen

Ground area

1,813 m²

Building footprint

229 m²

Volume, LiDAR

1,309 m³

Parcel 11362M0491/00P002, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

FL Consulting

Antwerpsesteenweg 249, 2950 KapellenFinancial service activities, except insurance and pension funding

since 20212.318.503.205

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11362M0491/00P002	Flanders	1,813 m²	1 · 229 m²	10.1 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.

Similar companies · same sector, comparable size

OPTIM'ICE Consult

BE 1009.736.544

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Minalco International

Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 8,510 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded14-06-2021

Fiscal year end31-12

Activities, NACEBEL

64200Holdings

64210Activities of holding companies

46190Agents in non-specialised wholesale trade

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.