Active BE 0891.542.638Private limited company

KONSILO

Grauwmeer 1 ·3001 Leuven, Belgium· 19 yrs active

Sector: Business and other management consultancy (70200)

Conclusion Checked

KONSILO has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €317k and a net result of €13k. Equity is shrinking by ~9.6% per year across the filed fiscal years. Its solvency ranks better than 84% of 30893 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€317k
Net result	€13k
Better than sector	84%
Active	19 yrs

Financial profile 5 of 5 axes measured · computed by Checked

69 / 100

Strong profile, led by solvency.

All 5 axes are computed from data Checked has read.

Health 91

Profitability 21

Solvency 100

Growth 32

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.1% Very low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Established

Founded in 2007, 19 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

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.

Checked score FY 2025 · computed

91 / 100 Excellent

050100

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.

Indicative credit limit

€30k

estimate, not credit advice

Score history

93 2022

90 2023

65 2024

91 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 6.91 (≥ 1.5) +10

Quick ratio Quick ratio 6.91 (≥ 1.0) +5

Leverage Debt/equity 0.16 (< 1.0) +10

Profitability ROE 4% +3

Interest coverage Interest coverage 16.0× (≥ 3×) +8

Profit trend Net profit up YoY +5

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview17 NBB filings

Annual accounts filed on 08-02-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining Equity: declining trend of ~9.6%/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 2025 · NACE 70, Activities of head offices; management consultancy activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	86.4%	55.9%	better than 84% of 30893 sector peers
Net result	€13k	€27k	better than 37% of 30902 sector peers
Equity	€317k	€83k	better than 81% of 30919 sector peers
Gross operating margin	€29k	€54k	better than 35% of 30861 sector peers
Total assets	€367k	€186k	better than 69% of 30907 sector peers

EBITDA

€27k

+3334.7% 22-25

Net profit

€13k

- 22-25

Cash flow

€21k

+560.7% 22-25

Total assets

€367k

-4.5% 22-25

Equity

€317k

-6.0% 22-25

Working capital

€294k

-4.2% 22-25

Income taxes

€8k

+3794.5% 22-25

Dividends

€34k

+20.2% 22-25

Debt

€50k

+6.1% 22-25

Debt ≤ 1y

€50k

+6.1% 22-25

Current ratio

6.91

-8.4% 22-25

Quick ratio

6.91

-8.4% 22-25

Solvency

86.4%

-1.5% 22-25

Debt / equity

0.16

+12.8% 22-25

ROE

4.2%

- 22-25

ROA

3.7%

- 22-25

Interest coverage

16.03

+940.0% 22-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022
Deposit	micro schema	micro schema	micro schema	micro schema
Revenue	-	-	-	-
EBITDA	€27k	€774	€87k	€108k
Net profit	€13k	€-9k	€54k	€70k
Cash flow	€21k	€3k	€67k	€82k
Staff costs	-	-	-	-
Income taxes	€8k	€214	€22k	€28k
Dividends	€34k	€28k	€104k	€85k
Total assets	€367k	€384k	€470k	€621k
Equity	€317k	€337k	€374k	€424k
Debt	€50k	€47k	€95k	€196k
of which ≤ 1y	€50k	€47k	€94k	€196k
of which > 1y	-	-	-	-
Working capital	€294k	€307k	€333k	€369k
Employees (FTE)	-	-	-	-

Ratios (computed)

	2025	2024	2023	2022
Current ratio	6.91	7.54	4.52	2.88
Quick ratio	6.91	7.54	4.52	2.88
Working capital ratio	80.2%	79.9%	70.8%	59.5%
Solvency	86.4%	87.8%	79.7%	68.4%
Debt / equity	0.16	0.14	0.25	0.46
Long-term debt ratio	-	-	-	-
Interest coverage	16.03	1.54	189.59	227.54
Gross margin	-	-	-	-
Net margin	-	-	-	-
ROA	3.7%	-2.4%	11.6%	11.2%
ROE	4.2%	-2.7%	14.5%	16.4%
EBITDA margin	-	-	-	-
Days sales outstanding	-	-	-	-
Days payable outstanding	-	-	-	-
Inventory turnover	-	-	-	-
Days inventory (DSI)	-	-	-	-

Balance-sheet composition 2025

Assets

Fixed assets €23k · 6.3% Current assets €344k · 93.7%

Equity & liabilities

Equity €317k · 86.4% Debt €50k · 13.6%

Full annual accounts (24 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022
Balance sheet, Assets
TOTAL ASSETS	20/58	€367k	€384k	€470k	€621k
Fixed assets	21/28	€23k	€30k	€43k	€55k
Tangible fixed assets	22/27	€20k	€26k	€39k	€51k
Financial fixed assets	28	€3k	€4k	€4k	€4k
Current assets	29/58	€344k	€354k	€427k	€565k
Amounts receivable within one year	40/41	€68k	€90k	€103k	€197k
Investments	50/53	€92k	€86k	€81k	€76k
Cash & bank	54/58	€150k	€132k	€175k	€118k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€367k	€384k	€470k	€621k
Equity	10/15	€317k	€337k	€374k	€424k
Contributions / capital	10/11	€12k	€12k	€12k	€12k
Reserves	13	€247k	€268k	€296k	€345k
Accumulated profits (losses)	14	€57k	€57k	€66k	€66k
Amounts payable	17/49	€50k	€47k	€95k	€196k
Amounts payable within one year	42/48	€50k	€47k	€94k	€196k
Trade debts payable within one year	44	€6k	€14k	€40k	€97k
Income statement
Gross operating margin	9900	€29k	€3k	€89k	€110k
Operating result	9901	€19k	€-12k	€74k	€95k
Financial income	75	€4k	€3k	€3k	€3k
Financial charges	65	€2k	€502	€459	€474
Result before taxes	9903	€22k	€-9k	€77k	€98k
Income taxes	67/77	€8k	€214	€22k	€28k
Net result for the period	9904	€13k	€-9k	€54k	€70k
Result to be appropriated	9905	€13k	€-9k	€54k	€70k

Legal Structure

NACE primary	Business and other management consultancy(70200)
Legal form	Private limited company(610)
Incorporation	20-08-2007
Status	Active
Postal code	3001

Connections & network 1 connected companies

Network connections

Webhero

Shared address

→

Establishment units 1 location

KONSILO

Grauwmeer 1, 3001 LeuvenNACE 05010

since 20072.286.990.378

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24514B0181/00Z000	Flanders	2,588 m²	-	-

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.

Updates 11 events

All 13Financial 2Gazette 1Filings 10

Next filing, fiscal year 2026, expected by 31-01-2027

2026

08-02

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 8 days late

05-02

State Gazette act Registered-office change

v3.2

2025

30-06

Financial Back to profitnet €13k

Net result €13k after one loss-making year.

28-01

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

30-06

Financial Weakest financial yearnet €-9k ▼117%

Net result drops to €-9k, the lowest in the series; recovery starts the following year.

31-01

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

25-01

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2021

29-12

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

01-02

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 1 day late

2019

15-11

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2018

31-10

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2017

27-10

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

2016

31-10

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 1 acts read

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.

Belgisch Staatsblad, acts 1 acts

Address history · 1

05-02-2026

v3.2

All acts · 1 updated 7 months ago

2026

05-02-2026 Registered office moved within Leuven Registered-office change

Albert Stainierstraat 1, 3001 Leuven → Grauwmeer 1, 3001 Leuven

Summary: v3.2

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "statutaire",
      "new_address": {
        "city": "Leuven",
        "region": null,
        "street": "Grauwmeer",
        "country": "BE",
        "postcode": "3001",
        "box_number": null,
        "street_number": "1"
      },
      "old_address": {
        "city": "Leuven",
        "region": null,
        "street": "Albert Stainierstraat",
        "country": "BE",
        "postcode": "3001",
        "box_number": null,
        "street_number": "1"
      },
      "effective_date": "2025-11-01",
      "evidence_quote": "Het bestuur beslist dat de zetel van de vennootschap zal worden verplaatst van Albert Stainierstraat 1, 3001 Leuven, naar Grauwmeer 1, 3001 Leuven, en dit vanaf 01/11/2025."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0891.542.638",
    "name_full": "KONSILO",
    "legal_form": "BV"
  }
}

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Business and other management consultancy70200Business consulting7022074142Renting and operating of own or leased residential real estate, excluding social housing6820170201Other business support services82990

Names & trade names

Legal nameNL

KONSILO

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