Keppens Consulting
ActiveKeppens Consulting has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €262k and a net result of €14k. Equity is growing by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 84% of 8623 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability24▼-53
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 8.1 against 8.82 in 2024; short-term debt: 12.3% and cash: 47.3% of total assets), and 12.3% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
87.7%
Return on assets
4.5%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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
29 d late
2024
60 d late
2023
30 d late
2022
30 d late
2021
31 d late
2020
3 d early
2019
31 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€262k▼ 5.0%
2024 · €276k
2018: €178k
2019: €192k
2020: €220k
2021: €229k
2022: €189k
2023: €270k
2024: €276k
2018 → 2025
Total assets
€299k▼ 3.8%
2024 · €311k
2018: €192k
2019: €209k
2020: €239k
2021: €242k
2022: €279k
2023: €312k
2024: €311k
2018 → 2025
Net result
€14k▼ 33.6%
2024 · €20k
2018: €17k
2019: €15k
2020: €27k
2021: €10k
2022: €39k
2023: €96k
2024: €20k
2018 → 2025
Working capital
€260k▼ 4.6%
2024 · €272k
2018: €175k
2019: €188k
2020: €216k
2021: €227k
2022: €183k
2023: €265k
2024: €272k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€229k-€189k▼ 17.8%€270k▲ 42.9%€276k▲ 2.4%€262k▼ 5.0%
Operating result€17k-€81k▲ 373%€115k▲ 41.5%€33k▼ 70.9%€-19k
Net result€10k-€39k▲ 305%€96k▲ 145%€20k▼ 78.7%€14k▼ 33.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €19k after €33k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €299k
Fixed assets
€2k▼ 33.8%
Current assets
€296k▼ 3.5%
Equity and liabilities €299k
Equity
€262k▼ 5.0%
Debt
€37k▲ 5.2%
The debt ratio rises from 11.2% to 12.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-18k▼
2024 · €35k
Cash flow
€15k▼
2024 · €22k
Solvency
87.7%▼
2024 · 88.8%
Current ratio
8.10▼
2024 · 8.82
Quick ratio
8.10▼
2024 · 8.82
Debt / equity
0.14▲
2024 · 0.13
ROE
5.2%▼
2024 · 7.4%
ROA
4.5%▼
2024 · 6.6%
Interest coverage
-9.37▼
2024 · 157.25
Debt
€37k▲
2024 · €35k
Debt ≤ 1 year
€37k▲
2024 · €35k
Income taxes
€6k▼
2024 · €13k
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€311k€299k▼
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€3k€1k▼
Furniture and vehicles24€3k€1k▼
Financial fixed assets28€995€995=
Current assets29/58€307k€296k▼
Amounts receivable within one year40/41€25k€32k▲
Trade receivables40-€10k
Other amounts receivable41€25k€22k▼
Current investments50/53€203k€121k▼
Cash at bank and in hand54/58€78k€141k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€311k€299k▼
Equity10/15€276k€262k▼
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€257k€244k▼
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€255k€244k▼
Amounts payable17/49€35k€37k▲
Amounts payable within one year42/48€35k€37k▲
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€16k€8k▼
Taxes450/3€16k€8k▼
Other amounts payable47/48€14k€26k▲
Accrued charges and deferred income492/3€13€15▲
Income statement
Code20242025
Non-recurring operating income76A€3k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€528€694▲
Gross operating margin9900€36k€-18k▼
Operating profit (loss)9901€33k€-19k▼
Financial income75/76B€443€41k▲
Recurring financial income75€443€41k▲
Financial charges65/66B€223€2k▲
Recurring financial charges65€223€2k▲
Profit (loss) for the period before taxes9903€34k€20k▼
Income taxes67/77€13k€6k▼
Profit (loss) for the period9904€20k€14k▼
Profit (loss) for the period to be appropriated9905€20k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€20k€14k▼
Transfer from equity791/2€14k€27k▲
Transfer to equity691/2€20k€14k▼
To other reserves6921€20k€14k▼
Profit to be distributed694/7€14k€27k▲
Return on contributions (dividend)694€14k€27k▲
The notes to these accounts (6 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 29 days late
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €96k ▲145%
Operating result €115k, net result €96k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 7.22
Current ratio from 3.03 to 7.22; short-term debt falls from €90k to €43k.
31-12
Financial
Equity above €200kEq €270k ▲42.9%
6 profitable years in a row build equity to €270k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €10k ▼64.5%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €220k ▲14.2%
3 profitable years in a row build equity to €220k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
29-12-2025
Resigned as Manager
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 2008
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.
Guldenspoorstraat 199000 GentGround area
253 m²
Building footprint
159 m²
Volume, LiDAR
2,208 m³
Parcel 44804D2560/00F007, Flanders · tallest building 18.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Keppens Consulting
since 20082.170.522.676
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44804D2560/00F007 | Flanders | 253 m² | 1 · 159 m² | 18.6 m · 5 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 110 EUR awarded · 110 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 56 EUR | 56 EUR |
| 2024 | 1 | 54 EUR | 54 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
984500FFBDA1091EJE41
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 38,759 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-04-2008
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0478/ 312 512