FND CONSULTING
ActiveFND CONSULTING has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €81k and a net result of €36k. Equity is shrinking by ~16.6% per year across the filed fiscal years. Its solvency ranks better than 61% of 17964 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
91
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency89▼-11
Growth58=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.85 against 2.84 in 2024), but 52.5% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
47.5%
Return on assets
21%
Age of the figures
11 mo
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 10-04-2026, 20 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
20 d early
2024
62 d early
2023
131 d early
2022
3 d early
2021
19 d early
2020
38 d early
2019
30 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€81k▼ 20.1%
2024 · €101k
2018: €235k
2019: €246k
2020: €155k
2021: €102k
2022: €75k
2023: €81k
2024: €101k
2018 → 2025
Total assets
€170k▲ 11.5%
2024 · €152k
2018: €258k
2019: €271k
2020: €278k
2021: €249k
2022: €228k
2023: €177k
2024: €152k
2018 → 2025
Net result
€36k▲ 11.8%
2024 · €32k
2018: €18k
2019: €29k
2020: €31k
2021: €53k
2022: €18k
2023: €31k
2024: €32k
2018 → 2025
Working capital
€74k▼ 19.8%
2024 · €93k
2018: €230k
2019: €242k
2020: €148k
2021: €96k
2022: €61k
2023: €70k
2024: €93k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€102k-€75k▼ 26.9%€81k▲ 7.8%€101k▲ 25.3%€81k▼ 20.1%
Operating result€61k-€27k▼ 55.7%€37k▲ 38.2%€41k▲ 9.7%€51k▲ 24.8%
Net result€53k-€18k▼ 66.3%€31k▲ 72.3%€32k▲ 4.6%€36k▲ 11.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 25% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €170k
Fixed assets
€8k▼ 14.9%
Current assets
€162k▲ 13.1%
Equity and liabilities €170k
Equity
€81k▼ 20.1%
Debt
€89k▲ 73.7%
The debt ratio rises from 33.7% to 52.5%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€56k▲
2024 · €46k
Cash flow
€40k▲
2024 · €37k
Solvency
47.5%▼
2024 · 66.3%
Current ratio
1.85▼
2024 · 2.84
Quick ratio
1.85▼
2024 · 2.84
Debt / equity
1.10▲
2024 · 0.51
ROE
44.3%▲
2024 · 31.6%
ROA
21.0%▲
2024 · 21.0%
Interest coverage
34.40▲
2024 · -14.24
Debt
€89k▲
2024 · €51k
Debt ≤ 1 year
€88k▲
2024 · €50k
Income taxes
€14k▲
2024 · €12k
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€152k€170k▲
Fixed assets21/28€9k€8k▼
Tangible fixed assets22/27€9k€8k▼
Plant, machinery and equipment23€407€198▼
Furniture and vehicles24€9k€8k▼
Current assets29/58€143k€162k▲
Amounts receivable within one year40/41€20k€21k▲
Trade receivables40€20k€21k▲
Cash at bank and in hand54/58€120k€137k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€152k€170k▲
Equity10/15€101k€81k▼
Contributions10/11€1€1=
Reserves13€101k€81k▼
Tax-exempt reserves132€383€383=
Distributable reserves133€101k€80k▼
Amounts payable17/49€51k€89k▲
Amounts payable within one year42/48€50k€88k▲
Trade debts44€602€722▲
Suppliers440/4€602€722▲
Taxes, remuneration and social security45€7k€15k▲
Taxes450/3€7k€15k▲
Other amounts payable47/48€42k€72k▲
Accrued charges and deferred income492/3€865€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▼
Other operating charges640/8€623€686▲
Non-recurring operating charges66A€2k-
Gross operating margin9900€49k€57k▲
Operating profit (loss)9901€41k€51k▲
Financial income75/76B€56€264▲
Recurring financial income75€56€264▲
Financial charges65/66B€-3k€2k▲
Recurring financial charges65€-3k€2k▲
Profit (loss) for the period before taxes9903€44k€50k▲
Income taxes67/77€12k€14k▲
Profit (loss) for the period9904€32k€36k▲
Profit (loss) for the period to be appropriated9905€32k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€36k▲
Transfer from equity791/2€12k€56k▲
Transfer to equity691/2€32k€36k▲
To other reserves6921€32k€36k▲
Profit to be distributed694/7€12k€56k▲
Return on contributions (dividend)694€12k€56k▲
The notes to these accounts (7 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
10-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €100kEq €101k ▲25.3%
7 profitable years in a row build equity to €101k.
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €18k ▼66.3%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
11-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Highest result since 2018net €53k ▲69.2%
Operating result €61k, net result €53k, both a record.
23-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Beringen · 1 establishment unit since 2010
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.
Holststraat 283583 BeringenGround area
839 m²
Building footprint
147 m²
Volume, LiDAR
958 m³
Parcel 71382D0264/00E000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FND CONSULTING
since 20102.193.470.106
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71382D0264/00E000 | Flanders | 839 m² | 1 · 147 m² | 9.5 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.
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COCO & CO
BE 0787.693.250
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Wtec
BE 0821.528.038
Overijse · Eq €81k
JM BRUNEAU BELGIUM
BE 0465.015.822
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Of 12,965 companies in sector 47120 we hold annual accounts for 2,176. 1,526 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-10-2010
Fiscal year end30-09
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.