FOCUS 50
ActiveFOCUS 50 has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €258k and a net result of €135k. Equity is growing by ~44% per year across the filed fiscal years. Its solvency ranks better than 35% of 7687 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
86
/ 100
Excellent▲ +30 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency50▲+35
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity tight (current ratio 1.07 against 0.71 in 2024), and 69.1% 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 · 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
30.9%
Return on assets
16.2%
Age of the figures
8 mo
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
24 d early
2023
8 d late
2022
3 d late
2021
41 d early
2020
20 d late
2019
35 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€258k▲ 110%
2024 · €123k
2018: €-186k
2019: €-241k
2020: €-273k
2021: €-165k
2022: €-2k
2023: €48k
2024: €123k
2018 → 2025
Total assets
€832k▲ 6.5%
2024 · €782k
2018: €862k
2019: €884k
2020: €823k
2021: €870k
2022: €958k
2023: €922k
2024: €782k
2018 → 2025
Net result
€135k▲ 80.6%
2024 · €75k
2018: €-78k
2019: €-55k
2020: €-32k
2021: €108k
2022: €164k
2023: €49k
2024: €75k
2018 → 2025
Working capital
€11k
2024 · €-38k
2018: €-53k
2019: €-115k
2020: €-146k
2021: €-69k
2022: €59k
2023: €5k
2024: €-38k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-165k-€-2k▲ 99.0%€48k€123k▲ 156%€258k▲ 110%
Operating result€131k-€185k▲ 41.0%€84k▼ 54.8%€126k▲ 50.6%€198k▲ 56.7%
Net result€108k-€164k▲ 52.2%€49k▼ 69.8%€75k▲ 51.2%€135k▲ 80.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 57% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €832k
Fixed assets
€665k▼ 3.5%
Current assets
€168k▲ 81.0%
Equity and liabilities €832k
Equity
€258k▲ 110%
Debt
€575k▼ 12.8%
The debt ratio falls from 84.3% to 69.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€228k▲
2024 · €156k
Cash flow
€165k▲
2024 · €105k
Solvency
30.9%▲
2024 · 15.7%
Current ratio
1.07▲
2024 · 0.71
Quick ratio
1.07▲
2024 · 0.71
Debt / equity
2.23▼
2024 · 5.38
ROE
52.4%▼
2024 · 61.0%
ROA
16.2%▲
2024 · 9.6%
Interest coverage
15.21▲
2024 · 6.64
Debt
€575k▼
2024 · €659k
Debt ≤ 1 year
€157k▲
2024 · €130k
Debt > 1 year
€418k▼
2024 · €529k
Income taxes
€48k▲
2024 · €28k
Staff costs
€22k▲
2024 · €20k
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€782k€832k▲
Fixed assets21/28€689k€665k▼
Tangible fixed assets22/27€689k€665k▼
Land and buildings22€687k€662k▼
Furniture and vehicles24€2k€3k▲
Financial fixed assets28€50€50=
Current assets29/58€93k€168k▲
Amounts receivable within one year40/41€51k€76k▲
Trade receivables40€50k€76k▲
Other amounts receivable41€211€326▲
Current investments50/53-€506
Cash at bank and in hand54/58€40k€89k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€782k€832k▲
Equity10/15€123k€258k▲
Contributions10/11€12k€12k=
Profit (loss) carried forward14€110k€245k▲
Amounts payable17/49€659k€575k▼
Amounts payable after more than one year17€529k€418k▼
Financial debts170/4€411k€335k▼
Other amounts payable178/9€118k€83k▼
Amounts payable within one year42/48€130k€157k▲
Current portion of amounts payable after more than one year42€75k€80k▲
Financial debts43-€543
Credit institutions430/8-€543
Trade debts44€5k€5k▼
Suppliers440/4€5k€5k▼
Taxes, remuneration and social security45€51k€72k▲
Taxes450/3€48k€70k▲
Remuneration and social security454/9€3k€2k▼
Other amounts payable47/48€0-
Income statement
Code20242025
Remuneration, social security and pensions62€20k€22k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€30k▲
Other operating charges640/8€7k€7k▲
Gross operating margin9900€183k€257k▲
Operating profit (loss)9901€126k€198k▲
Financial income75/76B€5€8▲
Recurring financial income75€5€8▲
Financial charges65/66B€24k€15k▼
Recurring financial charges65€24k€15k▼
Profit (loss) for the period before taxes9903€103k€183k▲
Income taxes67/77€28k€48k▲
Profit (loss) for the period9904€75k€135k▲
Profit (loss) for the period to be appropriated9905€75k€135k▲
Appropriation of the result
Profit (loss) to be appropriated9906€110k€245k▲
Profit (loss) brought forward from the previous period14P€35k€110k▲
The notes to these accounts (14 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €258k ▲110%
5 profitable years in a row build equity to €258k.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €123k ▲156%
4 profitable years in a row build equity to €123k.
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
31-12
Financial
Highest result since 2018net €164k ▲52.2%
Net result €164k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 1.33
Current ratio from 0.63 to 1.33; short-term debt falls from €186k to €178k.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €108k
Net result €108k after 3 loss-making years.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
16-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 47 days late
2018
08-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Charleroi · 1 establishment unit since 2015
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.
Boulevard Frans Dewandre 86000 CharleroiGround area
406 m²
Building footprint
138 m²
Volume, LiDAR
1,255 m³
Parcel 52011B0239/00B168, Wallonia · tallest building 14.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FOCUS 50
since 20152.240.086.029
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52011B0239/00B168 | Wallonia | 406 m² | 1 · 138 m² | 14.9 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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PUNCH CONSULTING
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CHENE DU LOUP
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 38,691 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-06-2014
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 11 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.