Konsenzo
ActiveKonsenzo has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12k and a net result of €-37k. Equity is shrinking by ~23.8% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 31% of 31510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency57▼-43
Growth32▼-46
Stability94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.38 against 3.32 in 2024), and 69.4% 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 · 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 →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
30.6%
Return on assets
-92.7%
Age of the figures
8 mo
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 07-07-2026, 24 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
24 d early
2024
16 d early
2023
21 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€12k▼ 75.2%
2024 · €49k
2023: €23k
2024: €49k
2023 → 2025
Total assets
€39k▼ 42.5%
2024 · €69k
2023: €68k
2024: €69k
2023 → 2025
Net result
€-37k
2024 · €26k
2023: €18k
2024: €26k
2023 → 2025
Working capital
€10k▼ 77.3%
2024 · €46k
2023: €23k
2024: €46k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€23k-€49k▲ 111%€12k▼ 75.2%
Operating result€23k-€36k▲ 52.7%€-33k
Net result€18k-€26k▲ 41.3%€-37k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €33k after €36k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €39k
Fixed assets
€2k▼ 33.5%
Current assets
€38k▼ 42.8%
Equity and liabilities €39k
Equity
€12k▼ 75.2%
Debt
€27k▲ 37.1%
The debt ratio rises from 29.1% to 69.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-32k▼
2024 · €36k
Cash flow
€-36k▼
2024 · €26k
Solvency
30.6%▼
2024 · 70.9%
Current ratio
1.38▼
2024 · 3.32
Quick ratio
1.38▼
2024 · 3.32
Debt / equity
2.26▲
2024 · 0.41
ROE
-302.7%▼
2024 · 52.5%
ROA
-92.7%▼
2024 · 37.3%
Interest coverage
-9.25▼
2024 · 12.59
Debt
€27k▲
2024 · €20k
Debt ≤ 1 year
€27k▲
2024 · €20k
Income taxes
€166▼
2024 · €7k
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€69k€39k▼
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€1k▼
Plant, machinery and equipment23€2k€1k▼
Financial fixed assets28€250€250=
Current assets29/58€66k€38k▼
Amounts receivable within one year40/41€11k€789▼
Trade receivables40€11k€0▼
Other amounts receivable41€450€789▲
Cash at bank and in hand54/58€55k€36k▼
Deferred charges and accrued income490/1€108€949▲
Equity and liabilities
Total equity and liabilities10/49€69k€39k▼
Equity10/15€49k€12k▼
Contributions10/11€5k€5k=
Reserves13€44k€7k▼
Distributable reserves133€44k€7k▼
Amounts payable17/49€20k€27k▲
Amounts payable within one year42/48€20k€27k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€12k€8k▼
Taxes450/3€12k€8k▼
Other amounts payable47/48€6k€17k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€261€810▲
Other operating charges640/8€0-
Gross operating margin9900€36k€-32k▼
Operating profit (loss)9901€36k€-33k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€33k€-36k▼
Income taxes67/77€7k€166▼
Profit (loss) for the period9904€26k€-37k▼
Profit (loss) for the period to be appropriated9905€26k€-37k▼
Appropriation of the result
Profit (loss) to be appropriated9906€26k€-37k▼
Transfer from equity791/2-€37k
Transfer to equity691/2€26k€0▼
To other reserves6921€26k€0▼
The notes to these accounts (7 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-37k ▼243%
Net result drops to €-37k, the lowest in the series.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €26k ▲41.3%
Operating result €36k, net result €26k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.32
Current ratio from 1.50 to 3.32; short-term debt falls from €45k to €20k.
10-07
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.
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, Overijse · 1 establishment unit since 2023
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.
Prinsendal 153090 OverijseGround area
727 m²
Building footprint
105 m²
Volume, LiDAR
568 m³
Parcel 23062M0583/00D003, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Konsenzo
since 20232.341.502.794
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23062M0583/00D003 | Flanders | 727 m² | 1 · 105 m² | 9.4 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 82,218 companies in sector 70200 we hold annual accounts for 52,395. 24,957 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-01-2023
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:enzo.blonk@konsenzo.com