IV CONSULT
ActiveIV CONSULT has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €59k and a net result of €-19k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 57% of 7002 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-86
Solvency87▼-12
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 2.64 against 3.8 in 2024; short-term debt: 37.8% and cash: 24.1% of total assets), and 37.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
62.2%
Return on assets
-19.9%
Age of the figures
12 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 31-03-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
36 d early
2023
280 d late
2022
2 d late
2021
3 d late
2020
1 d early
2019
214 d late
← 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
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€174k
EBIT margin
-6.1%
Net result
€-19k
2024 · €22k
2018: €15k
2019: €43k
2020: €1k
2021: €64k
2022: €9k
2023: €-6k
2024: €22k
2018 → 2025
Working capital
€58k▼ 49.8%
2024 · €116k
2018: €65k
2019: €105k
2020: €110k
2021: €149k
2022: €158k
2023: €94k
2024: €116k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€174k
Equity€151k-€160k▲ 6.0%€95k▼ 40.4%€117k▲ 22.6%€59k▼ 49.8%
Operating result€81k-€24k▼ 70.5%€-2k€33k€-11k
Net result€64k-€9k▼ 85.8%€-6k€22k€-19k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €11k after €33k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €94k
Fixed assets
€269▼ 41.6%
Current assets
€94k▼ 40.5%
Equity and liabilities €94k
Equity
€59k▼ 49.8%
Debt
€36k▼ 14.3%
The debt ratio rises from 26.3% to 37.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-10k▼
2024 · €34k
Cash flow
€-19k▼
2024 · €22k
Solvency
62.2%▼
2024 · 73.7%
Current ratio
2.64▼
2024 · 3.80
Quick ratio
2.64▼
2024 · 3.80
Debt / equity
0.61▲
2024 · 0.36
ROE
-32.0%▼
2024 · 18.4%
ROA
-19.9%▼
2024 · 13.6%
Interest coverage
-9.43▼
2024 · 47.38
Debt
€36k▼
2024 · €42k
Debt ≤ 1 year
€36k▼
2024 · €42k
Income taxes
€7k▼
2024 · €11k
Staff costs
€190▼
2024 · €736
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€158k€94k▼
Fixed assets21/28€460€269▼
Tangible fixed assets22/27€460€269▼
Plant, machinery and equipment23€460€269▼
Current assets29/58€158k€94k▼
Amounts receivable within one year40/41€93k€71k▼
Trade receivables40€74k€65k▼
Other amounts receivable41€18k€6k▼
Cash at bank and in hand54/58€65k€23k▼
Equity and liabilities
Total equity and liabilities10/49€158k€94k▼
Equity10/15€117k€59k▼
Contributions10/11€6k€6k=
Reserves13€102k€63k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€100k€61k▼
Profit (loss) carried forward14€8k€-11k▼
Amounts payable17/49€42k€36k▼
Amounts payable within one year42/48€42k€36k▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€39k€11k▼
Taxes450/3€39k€6k▼
Remuneration and social security454/9-€5k
Other amounts payable47/48-€22k
Income statement
Code20242025
Turnover70-€174k
Goods, raw materials, services and sundry goods60/61-€168k
Remuneration, social security and pensions62€736€190▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€519€191▼
Other operating charges640/8€2k€16k▲
Gross operating margin9900€37k€6k▼
Operating profit (loss)9901€33k€-11k▼
Financial charges65/66B€711€1k▲
Recurring financial charges65€711€1k▲
Profit (loss) for the period before taxes9903€32k€-12k▼
Income taxes67/77€11k€7k▼
Profit (loss) for the period9904€22k€-19k▼
Profit (loss) for the period to be appropriated9905€22k€-19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€30k€-11k▼
Profit (loss) brought forward from the previous period14P€8k€8k=
Transfer from equity791/2-€39k
Transfer to equity691/2€22k-
To other reserves6921€22k-
Profit to be distributed694/7-€39k
Return on contributions (dividend)694-€39k
The notes to these accounts (4 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
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-19k ▼187%
Net result drops to €-19k, the lowest in the series.
25-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
04-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 280 days late
2024
30-09
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
30-09
Financial
Equity above €100kEq €117k ▲22.6%
Equity rises from €95k to €117k.
2023
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
30-09
Financial
Liquidity times 37current ratio 86.84
Current ratio from 2.33 to 86.84; short-term debt falls from €112k to €2k.
03-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
30-09
Financial
Highest result since 2018net €64k ▲4726%
Operating result €81k, net result €64k, both a record.
30-09
Financial
Equity above €150kEq €151k ▲35.8%
4 profitable years in a row build equity to €151k.
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 214 days late
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 409 days late
2019
30-09
Financial
Equity above €100kEq €110k ▲55.9%
2 profitable years in a row build equity to €110k.
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 86 days late
2017
25-04
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
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, Ternat · 1 establishment unit since 2011
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.
Loddershoekstraat 17B1741 TernatGround area
642 m²
Building footprint
101 m²
Volume, LiDAR
560 m³
Parcel 23091C0741/00C000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Loddershoekstraat 17B, 1741 Ternat
since 20112.208.958.531
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23091C0741/00C000 | Flanders | 642 m² | 1 · 101 m² | 8.0 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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Of 13,422 companies in sector 73300 we hold annual accounts for 6,900. 5,555 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-11-2011
Fiscal year end30-09
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.
Contact details
1 entryE-mail:inge.vandeurzen@ivconsultbv.com