K-Consilium
ActiveK-Consilium has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €142k and a net result of €87k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 56% of 13905 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +62 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency81▲+44
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 2.41 against 1.51 in 2024), but 61.9% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
38.1%
Return on assets
23.5%
Age of the figures
11 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €142k
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 01-06-2026, 32 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
32 d late
2024
33 d early
2023
1 d early
2022
30 d early
2021
1 d early
2020
364 d late
2019
123 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
14-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€142k▲ 156%
2024 · €55k
2018: €-56k
2019: €-60k
2020: €-16k
2021: €-5k
2022: €93k
2023: €99k
2024: €55k
2018 → 2025
Total assets
€373k▲ 38.8%
2024 · €269k
2018: €188k
2019: €184k
2020: €221k
2021: €216k
2022: €346k
2023: €314k
2024: €269k
2018 → 2025
Net result
€87k
2024 · €-43k
2018: €-22k
2019: €-4k
2020: €58k
2021: €36k
2022: €98k
2023: €7k
2024: €-43k
2018 → 2025
Working capital
€212k▲ 352%
2024 · €47k
2018: €-18k
2019: €-25k
2020: €15k
2021: €25k
2022: €117k
2023: €84k
2024: €47k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-5k-€93k€99k▲ 6.3%€55k▼ 43.8%€142k▲ 156%
Operating result€39k-€160k▲ 311%€16k▼ 90.3%€-32k€129k
Net result€36k-€98k▲ 175%€7k▼ 93.2%€-43k€87k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €129k after a loss of €32k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €373k
Fixed assets
€11k▼ 91.4%
Current assets
€361k▲ 161%
Equity and liabilities €373k
Equity
€142k▲ 156%
Debt
€231k▲ 8.2%
The debt ratio falls from 79.4% to 61.9%: equity grows faster than debt.
Key figures and ratios
EBITDA
€133k▲
2024 · €-19k
Cash flow
€91k▲
2024 · €-30k
Solvency
38.1%▲
2024 · 20.6%
Current ratio
2.41▲
2024 · 1.51
Quick ratio
2.41▲
2024 · 1.51
Debt / equity
1.62▼
2024 · 3.84
ROE
61.6%▲
2024 · -78.0%
ROA
23.5%▲
2024 · -16.1%
Interest coverage
6.12▲
2024 · -1.40
Debt
€231k▲
2024 · €213k
Debt ≤ 1 year
€150k▲
2024 · €92k
Debt > 1 year
€81k▼
2024 · €121k
Income taxes
€20k▲
2024 · €-3k
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€269k€373k▲
Fixed assets21/28€130k€11k▼
Tangible fixed assets22/27€130k€11k▼
Land and buildings22€122k€0▼
Plant, machinery and equipment23€6k€3k▼
Furniture and vehicles24€2k€8k▲
Current assets29/58€138k€361k▲
Amounts receivable after more than one year29€70k€61k▼
Other amounts receivable291€70k€61k▼
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€55k€300k▲
Trade receivables40€10k€22k▲
Other amounts receivable41€45k€279k▲
Cash at bank and in hand54/58€13k€285▼
Deferred charges and accrued income490/1-€17
Equity and liabilities
Total equity and liabilities10/49€269k€373k▲
Equity10/15€55k€142k▲
Contributions10/11€20k€20k=
Reserves13€76k€122k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€76k€122k▲
Profit (loss) carried forward14€-41k€0▲
Amounts payable17/49€213k€231k▲
Amounts payable after more than one year17€121k€81k▼
Financial debts170/4€121k€81k▼
Amounts payable within one year42/48€92k€150k▲
Current portion of amounts payable after more than one year42€38k€40k▲
Financial debts43-€52k
Credit institutions430/8-€52k
Trade debts44€34k€21k▼
Suppliers440/4€34k€21k▼
Taxes, remuneration and social security45€16k€33k▲
Taxes450/3€16k€33k▲
Other amounts payable47/48€3k€4k▲
Accrued charges and deferred income492/3€659€81▼
Income statement
Code20242025
Non-recurring operating income76A-€98k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€3k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€0-
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A€2k€2k▲
Gross operating margin9900€-16k€136k▲
Operating profit (loss)9901€-32k€129k▲
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€14k€22k▲
Recurring financial charges65€14k€22k▲
Profit (loss) for the period before taxes9903€-46k€107k▲
Income taxes67/77€-3k€20k▲
Profit (loss) for the period9904€-43k€87k▲
Profit (loss) for the period to be appropriated9905€-43k€87k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-41k€47k▲
Profit (loss) brought forward from the previous period14P€3k€-41k▼
Transfer to equity691/2€0€46k▲
To other reserves6921€0€46k▲
Profit to be distributed694/7€0€833▲
Return on contributions (dividend)694€0€833▲
The notes to these accounts (12 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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 32 days late
2025
30-09
Financial
Back to profitnet €87k
Net result €87k after one loss-making year.
30-09
Financial
Equity above €100kEq €142k ▲156%
Equity rises from €55k to €142k.
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €-43k ▼745%
Net result drops to €-43k, the lowest in the series; recovery starts the following year.
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2018net €98k ▲175%
Operating result €160k, net result €98k, both a record.
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 364 days late
2020
04-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 554 days late
30-09
Financial
Back to profitnet €58k
Net result €58k after 2 loss-making years.
30-09
Financial
Liquidity quadruplescurrent ratio 1.33
Current ratio from 0.33 to 1.33.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 123 days late
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 152 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, Lo-Reninge · 1 establishment unit since 2002
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.
Blauwvoet 148647 Lo-ReningeGround area
4,114 m²
Building footprint
398 m²
Volume, LiDAR
2,188 m³
2 parcels, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Klarewal 7, 8690 Alveringem
since 20022.095.565.729
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32014C0519/00A000 | Flanders | 3,943 m² | 1 · 227 m² | 7.4 m · 2 fl. |
| 38002C1822/00A000 | Flanders | 171 m² | 1 · 171 m² | 9.8 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 588 EUR awarded · 588 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 588 EUR | 588 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,700 companies in sector 68310 we hold annual accounts for 6,875. 5,235 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-09-2001
Fiscal year end30-09
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.