Summary
KONSELLO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €42,239 and a net result of €48,299. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 30% of 8074 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-06-2026, 51 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
51 d early
2024
16 d early
2023
57 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 41 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€42,239▼ 55.7%
2024 · €95,327
Net result
€48,299▼ 9.0%
2024 · €53,088
Total assets
€158,331▲ 37.9%
2024 · €114,824
Solvency
26.7%▼ 56.3pp
2024 · 83.0%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€56,196-€68,656▲ 22.2%€67,071▼ 2.3%
Net result€39,239within the sector's middle half-€53,088within the sector's middle half▲ 35.3%€48,299within the sector's middle half▼ 9.0%
Equity€42,239within the sector's middle half-€95,327within the sector's middle half▲ 126%€42,239within the sector's middle half▼ 55.7%
Total assets€60,038below the sector's middle half-€114,824below the sector's middle half▲ 91.3%€158,331within the sector's middle half▲ 37.9%
Debt€17,799-€19,497▲ 9.5%€116,092▲ 495%
Working capital€38,092-€92,473▲ 143%€38,342▼ 58.5%
Solvency70.4%within the sector's middle half-83.0%above the sector's middle half▲ 12.7pp26.7%within the sector's middle half▼ 56.3pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €158,331
Fixed assets
€4,811 ▲ 23.0%
Current assets
€153,520 ▲ 38.4%
Equity and liabilities €158,331
Equity
€42,239 ▼ 55.7%
Debt
€116,092 ▲ 495%
Debt's share of the balance-sheet total rises from 17.0% to 73.3%. Equity is lower and debt is higher.
Key figures and ratios
ROE
114.3%▲
2024 · 55.7%
ROA
30.5%▼
2024 · 46.2%
Debt ≤ 1 year
€115,179▲
2024 · €18,439
Income taxes
€14,095▲
2024 · €14,084
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €292 | €1,797 | €2,648 | ▲ 47.4% |
| Other operating charges640/8 | €407 | €10,689 | €1,047 | ▼ 90.2% |
| Gross operating margin9900 | €56,896 | €81,143 | €70,766 | ▼ 12.8% |
| Operating profit (loss)9901 | €56,196 | €68,656 | €67,071 | ▼ 2.3% |
| Financial income75/76B | €151 | €1 | €0 | ▼ 100% |
| Recurring financial income75 | €151 | €1 | €0 | ▼ 100% |
| Financial charges65/66B | €1,974 | €1,485 | €4,677 | ▲ 215% |
| Recurring financial charges65 | €1,974 | €1,485 | €4,677 | ▲ 215% |
| Profit (loss) for the period before taxes9903 | €54,373 | €67,172 | €62,394 | ▼ 7.1% |
| Income taxes67/77 | €15,134 | €14,084 | €14,095 | ▲ 0.1% |
| Profit (loss) for the period9904 | €39,239 | €53,088 | €48,299 | ▼ 9.0% |
| Profit (loss) for the period to be appropriated9905 | €39,239 | €53,088 | €48,299 | ▼ 9.0% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €60,038 | €114,824 | €158,331 | ▲ 37.9% |
| Fixed assets21/28 | €4,147 | €3,912 | €4,811 | ▲ 23.0% |
| Tangible fixed assets22/27 | €4,147 | €3,912 | €4,811 | ▲ 23.0% |
| Furniture and vehicles24 | €4,147 | €3,912 | €4,811 | ▲ 23.0% |
| Current assets29/58 | €55,891 | €110,912 | €153,520 | ▲ 38.4% |
| Amounts receivable after more than one year29 | - | - | €12,500 | - |
| Other amounts receivable291 | - | - | €12,500 | - |
| Amounts receivable within one year40/41 | €181 | €17,932 | €17,845 | ▼ 0.5% |
| Trade receivables40 | €181 | €17,932 | €16,940 | ▼ 5.5% |
| Other amounts receivable41 | - | - | €905 | - |
| Cash at bank and in hand54/58 | €55,485 | €91,003 | €121,074 | ▲ 33.0% |
| Deferred charges and accrued income490/1 | €225 | €1,976 | €2,101 | ▲ 6.3% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €60,038 | €114,824 | €158,331 | ▲ 37.9% |
| Equity10/15 | €42,239 | €95,327 | €42,239 | ▼ 55.7% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | = |
| Reserves13 | €39,239 | €92,327 | €39,239 | ▼ 57.5% |
| Distributable reserves133 | €39,239 | €92,327 | €39,239 | ▼ 57.5% |
| Profit (loss) carried forward14 | - | - | €0 | - |
| Amounts payable17/49 | €17,799 | €19,497 | €116,092 | ▲ 495% |
| Amounts payable within one year42/48 | €17,799 | €18,439 | €115,179 | ▲ 525% |
| Trade debts44 | €929 | €185 | €2,144 | ▲ 1,062% |
| Suppliers440/4 | €929 | €185 | €2,144 | ▲ 1,062% |
| Taxes, remuneration and social security45 | €14,724 | €16,168 | €10,483 | ▼ 35.2% |
| Taxes450/3 | €14,724 | €16,168 | €10,483 | ▼ 35.2% |
| Other amounts payable47/48 | €2,145 | €2,086 | €102,552 | ▲ 4,817% |
| Accrued charges and deferred income492/3 | - | €1,059 | €913 | ▼ 13.8% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €39,239 | €53,088 | €48,299 | ▼ 9.0% |
| + Depreciation and write-downs630 | €292 | €1,797 | €2,648 | ▲ 47.4% |
| Operating cash flow (approximation) | €39,532 | €54,885 | €50,947 | ▼ 7.2% |
| Investment in fixed assets (approximation) | - | -€1,562 | -€3,546 | ▼ 127% |
| Change in cash | - | €35,518 | €30,071 | ▼ 15.3% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €53,088 ▲35.3%
Operating result €68,656, net result €53,088, both a record.
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Waregem · 1 establishment unit since 2023
Ground area
819 m²
Building footprint
141 m²
Volume, LiDAR
726 m³
Parcel 34453F0290/00W000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KONSELLO
since 20232.340.412.535
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34453F0290/00W000 | Flanders | 819 m² | 1 · 141 m² | 8.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 24,729 companies in sector 64210 we hold annual accounts for 19,773. 9,884 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-01-2023
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
66300Activities auxiliary to financial services and insurance activities
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0795911526
Also
9925:BE0795911526
Registered
21-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.