KEY LIGHT CONSULT
ActiveKEY LIGHT CONSULT has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €760k and a net result of €50k. Equity is growing by ~10% per year across the filed fiscal years. Its solvency ranks better than 67% of 11238 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-4
Solvency89▲+5
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity short (current ratio 0.88 against 0.72 in 2024; short-term debt: 16.3% and cash: 9.8% of total assets), and 36.4% 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
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
63.6%
Return on assets
4.2%
Age of the figures
15 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-02-2026, 5 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
5 d late
2024
11 d late
2023
34 d early
2022
15 d late
2021
18 d late
2020
4 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€760k▲ 7.1%
2024 · €710k
2019: €367k
2020: €453k
2021: €553k
2022: €647k
2023: €682k
2024: €710k
2019 → 2025
Total assets
€1.19M▼ 0.1%
2024 · €1.20M
2019: €1.21M
2020: €1.20M
2021: €1.26M
2022: €1.23M
2023: €1.21M
2024: €1.20M
2019 → 2025
Net result
€50k▼ 44.0%
2024 · €90k
2019: €62k
2020: €86k
2021: €100k
2022: €93k
2023: €68k
2024: €90k
2019 → 2025
Working capital
€-23k▲ 57.9%
2024 · €-54k
2019: €-202k
2020: €-77k
2021: €-87k
2022: €-59k
2023: €-57k
2024: €-54k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€553k-€647k▲ 16.9%€682k▲ 5.5%€710k▲ 4.0%€760k▲ 7.1%
Operating result€161k-€151k▼ 5.8%€116k▼ 23.6%€98k▼ 14.9%€89k▼ 9.8%
Net result€100k-€93k▼ 6.4%€68k▼ 26.8%€90k▲ 30.9%€50k▼ 44.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 10% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.19M
Fixed assets
€1.02M▼ 3.7%
Current assets
€172k▲ 27.3%
Equity and liabilities €1.19M
Equity
€760k▲ 7.1%
Debt
€434k▼ 10.7%
The debt ratio falls from 40.6% to 36.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€127k▼
2024 · €137k
Cash flow
€89k▼
2024 · €129k
Solvency
63.6%▲
2024 · 59.4%
Current ratio
0.88▲
2024 · 0.72
Quick ratio
0.88▲
2024 · 0.72
Debt / equity
0.57▼
2024 · 0.68
ROE
6.6%▼
2024 · 12.6%
ROA
4.2%▼
2024 · 7.5%
Interest coverage
11.03▼
2024 · 12.80
Debt
€434k▼
2024 · €486k
Debt ≤ 1 year
€195k▲
2024 · €189k
Debt > 1 year
€239k▼
2024 · €296k
Income taxes
€27k▼
2024 · €33k
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€1.20M€1.19M▼
Fixed assets21/28€1.06M€1.02M▼
Tangible fixed assets22/27€460k€421k▼
Land and buildings22€438k€413k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€17k€5k▼
Financial fixed assets28€600k€600k=
Current assets29/58€136k€172k▲
Amounts receivable within one year40/41€31k€35k▲
Trade receivables40€27k€27k▼
Other amounts receivable41€4k€8k▲
Cash at bank and in hand54/58€80k€118k▲
Deferred charges and accrued income490/1€24k€20k▼
Equity and liabilities
Total equity and liabilities10/49€1.20M€1.19M▼
Equity10/15€710k€760k▲
Contributions10/11€94k€94k=
Reserves13€447k€497k▲
Distributable reserves133€447k€497k▲
Profit (loss) carried forward14€169k€169k=
Amounts payable17/49€486k€434k▼
Amounts payable after more than one year17€296k€239k▼
Financial debts170/4€296k€239k▼
Amounts payable within one year42/48€189k€195k▲
Current portion of amounts payable after more than one year42€92k€78k▼
Trade debts44€7k€8k▲
Suppliers440/4€7k€8k▲
Taxes, remuneration and social security45€7k€8k▲
Taxes450/3€6k€6k▼
Remuneration and social security454/9€840€3k▲
Other amounts payable47/48€84k€101k▲
Accrued charges and deferred income492/3€619-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€39k▼
Other operating charges640/8€7k€8k▲
Gross operating margin9900€145k€135k▼
Operating profit (loss)9901€98k€89k▼
Financial income75/76B€35k€1▼
Recurring financial income75€35k€1▼
Financial charges65/66B€11k€12k▲
Recurring financial charges65€11k€12k▲
Profit (loss) for the period before taxes9903€123k€77k▼
Income taxes67/77€33k€27k▼
Profit (loss) for the period9904€90k€50k▼
Profit (loss) for the period to be appropriated9905€90k€50k▼
Appropriation of the result
Profit (loss) to be appropriated9906€259k€220k▼
Profit (loss) brought forward from the previous period14P€169k€169k=
Transfer from equity791/2€62k-
Transfer to equity691/2€90k€50k▼
To other reserves6921€90k€50k▼
Profit to be distributed694/7€62k-
Return on contributions (dividend)694€62k-
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
05-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
30-06
Financial
Weakest financial yearnet €50k ▼44%
Net result drops to €50k, the lowest in the series.
11-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
2023
28-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
15-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 15 days late
2022
18-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
30-06
Financial
Highest result since 2019net €100k ▲16.4%
Operating result €161k, net result €100k, both a record.
30-06
Financial
Equity above €500kEq €553k ▲22.2%
3 profitable years in a row build equity to €553k.
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
26-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
23-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
29-12
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
5 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, Waregem · 1 establishment unit since 2006
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.
Industrielaan 938790 WaregemGround area
2,345 m²
Building footprint
378 m²
Volume, LiDAR
2,066 m³
Parcel 34453E0284/00V000, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Key Light Consult
since 20062.154.868.559
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34453E0284/00V000 | Flanders | 2,345 m² | 1 · 378 m² | 10.0 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 1,745 companies in sector 46150 we hold annual accounts for 757. 400 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-06-2006
Fiscal year end30-06
Activities, NACEBEL
46150Agents in the wholesale of furniture, household goods and hardware
51150
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0471/802855