Summary
IMPACT CONSULT 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 €560k and a net result of €-4k. Equity is growing by ~17.8% per year across the filed fiscal years. Its solvency ranks better than 59% of 5527 sector peers (fiscal year 2025). The company has been active since 2006 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
1 signal. 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 19-08-2026, 19 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
19 d late
2024
61 d late
2023
29 d late
2022
24 d late
2021
24 d late
2020
16 d late
2019
21 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€560k▼ 0.7%
2024 · €564k
2018: €218k
2019: €213k
2020: €220k
2021: €284k
2022: €378k
2023: €415k
2024: €564k
2018 → 2025
Net result
€-4k
2024 · €149k
2018: €17k
2019: €18k
2020: €7k
2021: €63k
2022: €94k
2023: €38k
2024: €149k
2018 → 2025
Total assets
€914k▼ 5.3%
2024 · €965k
2018: €624k
2019: €619k
2020: €643k
2021: €701k
2022: €715k
2023: €840k
2024: €965k
2018 → 2025
Solvency
61.2%▲ 2.8pp
2024 · 58.4%
2018: 34.9%
2019: 34.5%
2020: 34.3%
2021: 40.4%
2022: 52.8%
2023: 49.4%
2024: 58.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€284k-€378k▲ 33.1%€415k▲ 10.0%€564k▲ 35.8%€560k▼ 0.7%
Operating result€63k-€45k▼ 29.2%€56k▲ 25.2%€75k▲ 34.4%€-22k
Net result€63k-€94k▲ 49.0%€38k▼ 59.9%€149k▲ 295%€-4k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €22k after €75k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €914k
Fixed assets
€601k ▼ 1.9%
Current assets
€314k ▼ 11.2%
Equity and liabilities €914k
Equity
€560k ▼ 0.7%
Debt
€354k ▼ 11.7%
Debt's share of the balance-sheet total falls from 41.6% to 38.8%. Equity and debt are lower.
Key figures and ratios
ROE
-0.7%▼
2024 · 26.4%
ROA
-0.4%▼
2024 · 15.4%
Debt ≤ 1 year
€92k▲
2024 · €91k
Debt > 1 year
€262k▼
2024 · €310k
Income taxes
€379▼
2024 · €26k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€965k€914k▼
Fixed assets21/28€612k€601k▼
Tangible fixed assets22/27€387k€375k▼
Land and buildings22€385k€374k▼
Furniture and vehicles24€2k€941▼
Financial fixed assets28€225k€225k=
Current assets29/58€353k€314k▼
Amounts receivable within one year40/41€219k€300k▲
Trade receivables40€14k€5k▼
Other amounts receivable41€206k€294k▲
Current investments50/53€8k€8k=
Cash at bank and in hand54/58€126k€6k▼
Equity and liabilities
Total equity and liabilities10/49€965k€914k▼
Equity10/15€564k€560k▼
Contributions10/11€12k€12k=
Reserves13€340k€340k=
Distributable reserves133€340k€340k=
Profit (loss) carried forward14€211k€207k▼
Amounts payable17/49€401k€354k▼
Amounts payable after more than one year17€310k€262k▼
Financial debts170/4€310k€262k▼
Amounts payable within one year42/48€91k€92k▲
Current portion of amounts payable after more than one year42€44k€47k▲
Trade debts44€4k€10k▲
Suppliers440/4€4k€10k▲
Taxes, remuneration and social security45€27k€19k▼
Taxes450/3€27k€19k▼
Other amounts payable47/48€16k€16k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▼
Other operating charges640/8€4k€4k▲
Gross operating margin9900€91k€-7k▼
Operating profit (loss)9901€75k€-22k▼
Financial income75/76B€118k€33k▼
Recurring financial income75€118k€33k▼
Financial charges65/66B€19k€14k▼
Recurring financial charges65€19k€14k▼
Profit (loss) for the period before taxes9903€174k€-4k▼
Income taxes67/77€26k€379▼
Profit (loss) for the period9904€149k€-4k▼
Profit (loss) for the period to be appropriated9905€149k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€355k€207k▼
Profit (loss) brought forward from the previous period14P€206k€211k▲
Transfer to equity691/2€144k-
To other reserves6921€144k-
The notes to these accounts (9 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 19 days late
2025
31-12
Financial
Weakest financial yearnet €-4k ▼103%
Net result drops to €-4k, the lowest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
2024
31-12
Financial
Highest result since 2018net €149k ▲295%
Operating result €75k, net result €149k, both a record.
31-12
Financial
Equity above €500kEq €564k ▲35.8%
7 profitable years in a row build equity to €564k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 3.09
Current ratio from 1.21 to 3.09; short-term debt falls from €92k to €71k.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 24 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 24 days late
2021
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 16 days late
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 21 days late
2019
16-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 16 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 27 days late
2017
25-07
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, Etterbeek · 1 establishment unit since 2006
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.
Tongerenstraat 191040 EtterbeekGround area
1,317 m²
Building footprint
658 m²
Volume, LiDAR
8,607 m³
2 parcels, Brussels · tallest building 20.5 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
IMAGE CONSULT
since 20062.153.213.324
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21372C0112/00B012 | Brussels | 1,209 m² | 1 · 551 m² | 16.8 m · 4 fl. |
| 21005A0569/00W000 | Brussels | 108 m² | 1 · 107 m² | 20.5 m · 6 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
BC-DC
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Aliss
BE 0802.966.295
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KM HOLDING
BE 0773.727.923
Sint-Jans-Molenbeek · Eq €560,163
TVDM INVEST
BE 0667.574.982
Oostrozebeke · Eq €559,655
CASTELPACK
BE 0506.794.712
Antwerpen · Eq €559,629
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,550 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-04-2006
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.