Age5 yrs
Real estate1 parcel · 3,521 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of Key Fin Consult is 0.8% (low). The 2024 annual accounts show equity of €24k and a net result of €900. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 72% of 1396 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 4 annual accounts.
Signals
2 signals · with evidenceConsistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend Growing equity
Equity grew over 2022-2024. Profits are largely retained rather than distributed.
View the equity trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 11 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-09-2025, 57 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.
How we compute the deadline
The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 26-09-2025 | 57 d late | 2025-00506449 |
| 31-12-2023 | 31-07-2024 | 22-07-2024 | 9 d early | 2024-00273965 |
| 31-12-2022 | 31-07-2023 | 21-09-2023 | 52 d late | 2023-00451665 |
| 31-12-2021 | 31-07-2022 | 28-09-2022 | 59 d late | 2022-20440913 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.8%
Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Young company
+Higher-failure-rate region
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€900-34.1%
Working capital€21k+8.1%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 26-09-2025 with the NBB · fiscal year 2024 · verkort
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~3.1%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2024 · NACE 70, Head offices & management consulting · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 67.1% | 43.5% | |
| Net result | €900 | €42k | |
| Equity | €24k | €163k | |
| Gross operating margin | €6k | €72k | |
| Total assets | €35k | €607k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P72
Improving position over 2021-2024
· n=587-1396
P21
Weakening position over 2021-2024
· n=587-1397
P18
Stable position over 2021-2024
· n=587-1397
P17
Weakening position over 2021-2024
· n=584-1396
Describes the position versus peers, not a forecast.
€4k
-34.8%
21-24
€900
-34.1%
21-24
€2k
-20.2%
21-24
€35k
-17.5%
21-24
€24k
+4.0%
21-24
€21k
+8.1%
21-24
€2k
-22.9%
21-24
€12k
-42.0%
21-24
€12k
-42.0%
21-24
2.85
+43.0%
21-24
2.85
+43.0%
21-24
67.1%
+26.0%
21-24
0.49
-44.2%
21-24
3.8%
-36.6%
21-24
2.6%
-20.1%
21-24
2.22
-4.3%
21-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | verkort |
| Revenue | - |
| EBITDA | €4k |
| Net profit | €900 |
| Cash flow | €2k |
| Staff costs | - |
| Income taxes | €2k |
| Dividends | - |
| Total assets | €35k |
| Equity | €24k |
| Debt | €12k |
| of which ≤ 1y | €12k |
| of which > 1y | - |
| Working capital | €21k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 2.85 |
| Quick ratio | 2.85 |
| Working capital ratio | 61.0% |
| Solvency | 67.1% |
| Debt / equity | 0.49 |
| Long-term debt ratio | - |
| Interest coverage | 2.22 |
| Gross margin | - |
| Net margin | - |
| ROA | 2.6% |
| ROE | 3.8% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €35k |
| Fixed assets | 21/28 | €2k |
| Tangible fixed assets | 22/27 | €2k |
| Current assets | 29/58 | €33k |
| Amounts receivable within one year | 40/41 | €30k |
| Cash & bank | 54/58 | €1k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €35k |
| Equity | 10/15 | €24k |
| Contributions / capital | 10/11 | €1k |
| Accumulated profits (losses) | 14 | €22k |
| Amounts payable | 17/49 | €12k |
| Amounts payable within one year | 42/48 | €12k |
| Trade debts payable within one year | 44 | €9k |
| Income statement | ||
| Gross operating margin | 9900 | €6k |
| Operating result | 9901 | €4k |
| Financial income | 75 | €1k |
| Financial charges | 65 | €2k |
| Result before taxes | 9903 | €3k |
| Income taxes | 67/77 | €2k |
| Net result for the period | 9904 | €900 |
| Result to be appropriated | 9905 | €900 |
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed81
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Establishment units
1 locationAndalusiëlaan 18, 1140 Evere
since 20212.314.450.682
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area3,521 m²
Buildings1
Building footprint1,539 m²
Volume (LiDAR)22,759 m³
Tallest building18.4 m · ±5 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21372D0319/00Z002 | Brussels | 3,521 m² | 1 · 1,539 m² | 18.4 m · 5 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
3 acts Address history · 2
15-06-2026
Seat change: Région de Bruxelles - Capitale
05-05-2026
Seat change: old: Tortelduivenstraat, 29 - 3078 KORTENBERG, new_region: Brussels Hoofdstedelijke Gewest, new_address: 1140 Evere, Andalusiëlaan, 18
All acts · 3
updated 1 month ago
2026
15-06-2026 General meeting · Statute amendment · Seat change · Notarial deed
- Filing: 2026-06-08 · Key Fin Consult
- General meeting: 2026-03-10 · Key Fin Consult
- Statute amendment: adaptation des statuts en langue française suite au transfert du siège · Key Fin Consult
- Seat change: Région de Bruxelles - Capitale · Key Fin Consult
- Notarial deed: 2026-03-10 · Key Fin Consult
- Annual meeting schedule: le dernier vendredi du mois de mai 18 heures · Key Fin Consult
- First fiscal year: 01-01 · Key Fin Consult
- Representation rule: Chaque administrateur représente la société à l'égard des tiers et en justice, soit en demandant, soit en défendant. · Key Fin Consult
- Governance rule: L'assemblée qui nomme le ou les administrateur(s) fixe leur nombre, la durée de leur mandat et, en cas de pluralité, leurs pouvoirs. · Key Fin Consult
- Governance rule: Lorsque la société est administrée par plusieurs administrateurs, chaque administrateur agissant seul, peut accomplir tous les actes nécessaires ou utiles à l'accomplissement de l'objet · Key Fin Consult
- Governance rule: Les actions peuvent être cédées entre vifs ou transmises pour cause de mort, sans agrément, à un actionnaire, au conjoint ou au cohabitant légal du cédant ou du testateur, aux ascendants ou descendants en ligne directe des actionnaires · Key Fin Consult
- Governance rule: Tout actionnaire qui voudra céder ses actions entre vifs à une personne autre que celles visées à l'alinéa précédent devra, à peine de nullité, obtenir l'agrément de la moitié au moins des actionnaires, possédant les trois quarts au moins des actions · Key Fin Consult
- Governance rule: L'organe d'administration peut déléguer la gestion journalière, ainsi que la représentation de la société en ce qui concerne cette gestion, à un ou plusieurs de ses membres, qui portent le titre d'administrateur-délégué ou à un ou plusieurs directeurs · Key Fin Consult
- Governance rule: Lorsque la loi l'exige et dans les limites qu'elle prévoit, le contrôle de la société est assuré par un ou plusieurs commissaires, nommés pour trois ans et rééligibles. · Key Fin Consult
- Governance rule: Les convocations aux assemblées générales contiennent l'ordre du jour. Elles sont faites par e-mails envoyés quinze jours au moins avant l'assemblée · Key Fin Consult
- Governance rule: Les actionnaires peuvent, dans les limites de la loi, à l'unanimité, prendre par écrit toutes les décisions qui relèvent du pouvoir de l'assemblée générale, à l'exception de la modification des statuts. · Key Fin Consult
- Governance rule: A l'assemblée générale, chaque action donne droit à une voix · Key Fin Consult
- Governance rule: Sauf dans les cas prévus par la loi ou les présents statuts, les décisions sont prises à la majorité des voix · Key Fin Consult
- Governance rule: Toute assemblée générale, ordinaire ou extraordinaire, peut être prorogée, séance tenante, à trois semaines au plus par l'organe d'administration. · Key Fin Consult
- Governance rule: L'organe d'administration a le pouvoir de procéder, dans les limites des articles 5:142 et 5:143 du Code des sociétés et des associations, à des distributions provenant du bénéfice de l'exercice en cours ou du bénéfice de l'exercice précédent · Key Fin Consult
- Publication: 2026-06-15
- Act object: adaptation des statuts en langue française suite au transfert du siège
Summary:
General meeting · Statute amendment · Seat change · Notarial deed
05-05-2026 Notarial deed · General meeting · Seat change · Statute amendment
- Filing: 2026-04-09 · Key Fin Consult
- Publication: 2026-05-05 · Key Fin Consult
- Notarial deed: 2026-03-10 · Key Fin Consult
- General meeting: 2026-03-10 · Key Fin Consult
- Seat change: old: Tortelduivenstraat, 29 - 3078 KORTENBERG, new_region: Brussels Hoofdstedelijke Gewest, new_address: 1140 Evere, Andalusiëlaan, 18 · Key Fin Consult
- Statute amendment: article_2 · Key Fin Consult
- Statute amendment: french_version · Key Fin Consult
- Power of attorney: purpose: voorgaande beslissingen uit te voeren, granted_to: bestuurder · Key Fin Consult
- Power of attorney: purpose: de gecoördineerde tekst van de statuten van de vennootschap op te stellen, te ondertekenen en neer te leggen op de griffie van de bevoegde ondernemingsrechtbank, granted_to: notaris · Key Fin Consult
- Act object: STATUTENWIJZIGING - OVERDRACHT VAN DE ZETEL - AANPASSING
Summary:
Notarial deed · General meeting · Seat change · Statute amendmentNotary:
Georges-Henri RUELLE
2021
24-02-2021 Incorporation of a new BV
Summary:
oprichting
Analysis
Snowflake analysis
financial profile on 5 axes69
/ 100
Strong profile, led by solvency.
All 5 axes are computed from data Checked has read.
Health
81
Profitability
19
Solvency
100
Growth
52
Stability
94
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Credit advice
verdict per customer and amountSimilar
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Company registry (CBE)
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Primary activity highlighted.
Names & trade names
| Legal nameNL | Key Fin Consult |
Registered office
Andalusiëlaan 18
1140 Evere, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.