IDEAL CONSEIL 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 €50k and a net result of €-17k. Equity is growing by ~53.1% per year across the filed fiscal years. Its solvency ranks better than 32% of 65 sector peers (fiscal year 2025). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
27 d late
2024
60 d late
2023
9 d early
2022
13 d early
2022
3 d early
2021
2 d early
2020
10 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€50k▼ 25.1%
2024 · €66k
2019: €7k
2020: €12k
2021: €18k
2022: €93k
2022: €100k
2023: €89k
2024: €66k
2019 → 2025
Net result
€-17k▲ 28.9%
2024 · €-23k
2019: €15k
2020: €5k
2021: €6k
2022: €79k
2022: €6k
2023: €-10k
2024: €-23k
2019 → 2025
Total assets
€168k▼ 16.0%
2024 · €200k
2019: €117k
2020: €68k
2021: €54k
2022: €146k
2022: €198k
2023: €188k
2024: €200k
2019 → 2025
Solvency
29.5%▼ 3.6pp
2024 · 33.1%
2019: 6.3%
2020: 17.6%
2021: 34.0%
2022: 64.1%
2022: 50.2%
2023: 47.6%
2024: 33.1%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222022202320242025Trend
Equity€93k-€100k▲ 6.6%€89k▼ 10.2%€66k▼ 26.1%€50k▼ 25.1%
Operating result€111k-€11k▼ 90.2%€-9k€-15k▼ 73.0%€-9k▲ 44.0%
Net result€79k-€6k▼ 92.1%€-10k€-23k▼ 130%€-17k▲ 28.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
Multiple fiscal year ends fall in the same calendar year; an annual trend is not displayed.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €168k
Fixed assets
€48k▼ 29.5%
Current assets
€120k▼ 9.2%
Equity and liabilities €168k
Equity
€50k▼ 25.1%
Debt
€118k▼ 11.5%
The debt ratio rises from 66.9% to 70.5%. Equity and debt are lower.
Key figures and ratios
Solvency
29.5%▼
2024 · 33.1%
ROE
-33.5%▲
2024 · -35.3%
ROA
-9.9%▲
2024 · -11.7%
Debt
€118k▼
2024 · €134k
Debt ≤ 1 year
€56k▼
2024 · €86k
Debt > 1 year
€62k▲
2024 · €48k
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€200k€168k▼
Fixed assets21/28€67k€48k▼
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€64k€45k▼
Plant, machinery and equipment23€27k€22k▼
Furniture and vehicles24€33k€20k▼
Other tangible fixed assets26€4k€4k▼
Current assets29/58€133k€120k▼
Amounts receivable after more than one year29€41k€41k▲
Other amounts receivable291€41k€41k▲
Stocks and contracts in progress3€63k€63k=
Stocks30/36€63k€63k=
Amounts receivable within one year40/41€28k€16k▼
Trade receivables40€9k€16k▲
Other amounts receivable41€19k€104▼
Cash at bank and in hand54/58€222€0▼
Deferred charges and accrued income490/1€74€0▼
Equity and liabilities
Total equity and liabilities10/49€200k€168k▼
Equity10/15€66k€50k▼
Contributions10/11€20k€20k=
Reserves13€55k€55k=
Distributable reserves133€55k€55k=
Profit (loss) carried forward14€-9k€-26k▼
Amounts payable17/49€134k€118k▼
Amounts payable after more than one year17€48k€62k▲
Financial debts170/4€18k€32k▲
Other amounts payable178/9€30k€30k=
Amounts payable within one year42/48€86k€56k▼
Current portion of amounts payable after more than one year42€51k€16k▼
Financial debts43€25k€25k▼
Credit institutions430/8€25k€25k▼
Trade debts44€9k€15k▲
Suppliers440/4€9k€15k▲
Taxes, remuneration and social security45€432€432=
Taxes450/3€432€432=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€22k▼
Other operating charges640/8€603€11k▲
Gross operating margin9900€8k€24k▲
Operating profit (loss)9901€-15k€-9k▲
Financial income75/76B€431€165▼
Recurring financial income75€431€165▼
Financial charges65/66B€8k€8k▼
Recurring financial charges65€8k€8k▼
Profit (loss) for the period before taxes9903€-23k€-17k▲
Profit (loss) for the period9904€-23k€-17k▲
Profit (loss) for the period to be appropriated9905€-23k€-17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€-26k▼
Profit (loss) brought forward from the previous period14P€14k€-9k▼
The notes to these accounts (10 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial
Weakest financial yearnet €-23k
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Highest result since 2019net €79k ▲1128%
Operating result €111k, net result €79k, both a record.
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
10-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 10 days late
2019
21-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
28-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
23-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Flémalle · 2 establishment units since 2005
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.
Rue de Flémalle-Grande(FLG) 324400 FlémalleGround area
5,264 m²
Building footprint
292 m²
Volume, LiDAR
2,044 m³
2 parcels, Wallonia · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
IDEAL CONSEIL
since 20052.147.763.805
Trott-e.net
since 20242.358.342.687
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62037B0822/00A000 | Wallonia | 4,874 m² | 1 · 201 m² | 9.3 m · 2 fl. |
| 62036B0735/00Z003 | Wallonia | 390 m² | 1 · 91 m² | 7.4 m · 2 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.
Similar companies · same sector, comparable size
Nelis & Winters
BE 0754.851.327
Peer · Eq €50k
PRIEMUS
BE 1005.194.865
Brugge · Eq €48k
GERARD & ALTERMAN
BE 0844.119.734
Brussel · Eq €48k
Y EARLY
BE 0746.710.651
Asse · Eq €77k
WINTERS STIJN VERZEKERINGEN
BE 0762.931.229
Peer · Eq €24k
Of 65 companies in sector 65111 we hold annual accounts for 28. 17 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-03-2005
Fiscal year end31-12
Activities, NACEBEL
65111Insurance, reinsurance and pension funding, except compulsory social security
68322Real estate appraisal on a fee or contract basis
77210Renting and leasing of sports and recreation goods
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.