KBSW CONSULTING
ActiveKBSW CONSULTING has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €94k and a net result of €31k. Equity is growing by ~17.8% per year across the filed fiscal years. Its solvency ranks better than 51% of 1898 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▼-2
Solvency83▼-5
Growth78=
Track record94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.17 against 2.44 in 2024; short-term debt: 42.4% and cash: 57.2% of total assets), and 42.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
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
57.6%
Return on assets
19.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 5 filingsDeviation from the deadline
2025
30 d late
2024
28 d late
2023
30 d late
2022
30 d late
2021
30 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€94k▲ 1.6%
2024 · €92k
2021: €10k
2022: €68k
2023: €101k
2024: €92k
2021 → 2025
Total assets
€163k▲ 11.4%
2024 · €146k
2021: €36k
2022: €122k
2023: €162k
2024: €146k
2021 → 2025
Net result
€31k▲ 0.9%
2024 · €31k
2021: €8k
2022: €58k
2023: €33k
2024: €31k
2021 → 2025
Working capital
€81k▲ 4.7%
2024 · €77k
2021: €7k
2022: €56k
2023: €89k
2024: €77k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10k-€68k▲ 574%€101k▲ 48.0%€92k▼ 8.7%€94k▲ 1.6%
Operating result€12k-€82k▲ 605%€46k▼ 43.8%€40k▼ 12.1%€41k▲ 0.6%
Net result€8k-€58k▲ 615%€33k▼ 43.6%€31k▼ 5.0%€31k▲ 0.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €163k
Fixed assets
€13k▼ 14.4%
Current assets
€150k▲ 14.4%
Equity and liabilities €163k
Equity
€94k▲ 1.6%
Debt
€69k▲ 28.3%
The debt ratio rises from 36.9% to 42.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€45k▲
2024 · €44k
Cash flow
€36k▲
2024 · €35k
Solvency
57.6%▼
2024 · 63.1%
Current ratio
2.17▼
2024 · 2.44
Quick ratio
2.17▼
2024 · 2.44
Debt / equity
0.74▲
2024 · 0.58
ROE
33.5%▼
2024 · 33.8%
ROA
19.3%▼
2024 · 21.3%
Interest coverage
152.94▼
2024 · 161.65
Debt
€69k▲
2024 · €54k
Debt ≤ 1 year
€69k▲
2024 · €54k
Income taxes
€9k▲
2024 · €9k
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€146k€163k▲
Fixed assets21/28€15k€13k▼
Tangible fixed assets22/27€15k€13k▼
Plant, machinery and equipment23€8k€7k▼
Furniture and vehicles24€7k€6k▼
Current assets29/58€131k€150k▲
Amounts receivable within one year40/41€49k€44k▼
Trade receivables40€29k€24k▼
Other amounts receivable41€20k€20k=
Cash at bank and in hand54/58€83k€93k▲
Deferred charges and accrued income490/1-€13k
Equity and liabilities
Total equity and liabilities10/49€146k€163k▲
Equity10/15€92k€94k▲
Contributions10/11€2k€2k=
Reserves13€89k€89k=
Distributable reserves133€89k€89k=
Profit (loss) carried forward14€1k€3k▲
Amounts payable17/49€54k€69k▲
Amounts payable within one year42/48€54k€69k▲
Trade debts44€4k€1k▼
Suppliers440/4€4k€1k▼
Taxes, remuneration and social security45€10k€23k▲
Taxes450/3€10k€23k▲
Other amounts payable47/48€40k€45k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€1k€977▼
Non-recurring operating charges66A-€1k
Gross operating margin9900€46k€47k▲
Operating profit (loss)9901€40k€41k▲
Financial income75/76B€53€100▲
Recurring financial income75€53€100▲
Financial charges65/66B€274€297▲
Recurring financial charges65€274€297▲
Profit (loss) for the period before taxes9903€40k€41k▲
Income taxes67/77€9k€9k▲
Profit (loss) for the period9904€31k€31k▲
Profit (loss) for the period to be appropriated9905€31k€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€41k€33k▼
Profit (loss) brought forward from the previous period14P€10k€1k▼
Transfer to equity691/2€0-
To the legal reserve6920€0-
Profit to be distributed694/7€40k€30k▼
Return on contributions (dividend)694€40k€30k▼
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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €100kEq €101k ▲48%
3 profitable years in a row build equity to €101k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Highest result since 2021net €58k ▲615%
Operating result €82k, net result €58k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Ronse · 1 establishment unit since 2021
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.
Noordstraat 29600 RonseGround area
1,107 m²
Building footprint
103 m²
Volume, LiDAR
380 m³
Parcel 45041A0216/00E000, Flanders · tallest building 5.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
KBSW CONSULTING
since 20212.318.911.791
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45041A0216/00E000 | Flanders | 1,107 m² | 1 · 103 m² | 5.9 m · 1 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 3,153 companies in sector 63920 we hold annual accounts for 1,522. 1,254 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-03-2021
Fiscal year end31-12
Activities, NACEBEL
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47990Retail trade
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.