Lady B consulting
ActiveThe computed 12-month bankruptcy probability of Lady B consulting is 2.1% (moderate). The 2025 annual accounts show equity of €6k and a net result of €12k. Equity is shrinking by ~14.8% per year across the filed fiscal years. Its solvency ranks better than 18% of 7027 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability56▲+23
Solvency34▼-31
Growth32=
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 7027 sector peers (2025).
NBB · sector comparisonPosition among 7027 sector peers
Solvency
better than 18%
← weakest
strongest →
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 12-05-2026, 80 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
80 d early
2024
29 d early
2023
16 d late
2022
7 d early
2021
18 d late
2020
31 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€6k▼ 72.1%
2024 · €23k
2020: €24k
2021: €32k
2022: €34k
2023: €22k
2024: €23k
2020 → 2025
Total assets
€70k▲ 20.4%
2024 · €58k
2020: €35k
2021: €53k
2022: €53k
2023: €48k
2024: €58k
2020 → 2025
Net result
€12k▲ 708%
2024 · €2k
2020: €18k
2021: €9k
2022: €2k
2023: €-12k
2024: €2k
2020 → 2025
Working capital
€27k▼ 35.7%
2024 · €41k
2020: €21k
2021: €25k
2022: €40k
2023: €39k
2024: €41k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€32k-€34k▲ 4.5%€22k▼ 35.2%€23k▲ 7.0%€6k▼ 72.1%
Operating result€13k-€10k▼ 26.6%€17k▲ 79.9%€31k▲ 75.1%€41k▲ 33.7%
Net result€9k-€2k▼ 75.0%€-12k€2k€12k▲ 708%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 34% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €70k
Fixed assets
€1k▼ 48.4%
Current assets
€68k▲ 23.9%
Equity and liabilities €70k
Equity
€6k▼ 72.1%
Provisions
€22k▲ 3.2%
Debt
€42k▲ 204%
The debt ratio rises from 23.7% to 59.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€42k▲
2024 · €32k
Cash flow
€14k▲
2024 · €3k
Solvency
9.3%▼
2024 · 40.2%
Current ratio
1.64▼
2024 · 4.02
Quick ratio
1.64▼
2024 · 4.02
Debt / equity
6.41▲
2024 · 0.59
ROE
189.2%▲
2024 · 6.5%
ROA
17.6%▲
2024 · 2.6%
Interest coverage
1.87▲
2024 · 1.30
Debt
€42k▲
2024 · €14k
Debt ≤ 1 year
€42k▲
2024 · €14k
Income taxes
€6k▲
2024 · €5k
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€58k€70k▲
Fixed assets21/28€3k€1k▼
Tangible fixed assets22/27€3k€1k▼
Furniture and vehicles24€2k€1k▼
Other tangible fixed assets26€513-
Current assets29/58€55k€68k▲
Amounts receivable within one year40/41€9k€18k▲
Trade receivables40€4k€10k▲
Other amounts receivable41€6k€8k▲
Cash at bank and in hand54/58€38k€45k▲
Deferred charges and accrued income490/1€7k€5k▼
Equity and liabilities
Total equity and liabilities10/49€58k€70k▲
Equity10/15€23k€6k▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€17k€475▼
Provisions and deferred taxes16€21k€22k▲
Provisions for liabilities and charges160/5€21k€22k▲
Other liabilities and charges164/5€21k€22k▲
Amounts payable17/49€14k€42k▲
Amounts payable within one year42/48€14k€42k▲
Trade debts44€587-
Suppliers440/4€587-
Taxes, remuneration and social security45€1k€5k▲
Taxes450/3€1k€5k▲
Other amounts payable47/48€12k€36k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€2k€661▼
Other operating charges640/8€677€430▼
Non-recurring operating charges66A€2-
Gross operating margin9900€34k€43k▲
Operating profit (loss)9901€31k€41k▲
Financial income75/76B€3€11▲
Recurring financial income75€3€11▲
Financial charges65/66B€24k€23k▼
Recurring financial charges65€24k€23k▼
Profit (loss) for the period before taxes9903€6k€18k▲
Income taxes67/77€5k€6k▲
Profit (loss) for the period9904€2k€12k▲
Profit (loss) for the period to be appropriated9905€2k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€29k▲
Profit (loss) brought forward from the previous period14P€16k€17k▲
Profit to be distributed694/7-€29k
Return on contributions (dividend)694-€29k
The notes to these accounts (4 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
12-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
16-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 16 days late
2023
31-12
Financial
Weakest financial yearnet €-12k ▼627%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 5.45
Current ratio from 2.23 to 5.45; short-term debt falls from €21k to €9k.
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
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, Anderlecht · 1 establishment unit since 2019
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.
Neerpedestraat 8121070 AnderlechtGround area
476 m²
Building footprint
156 m²
Volume, LiDAR
603 m³
Parcel 21307G0181/00K000, Brussels · tallest building 5.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Neerpedestraat 812, 1070 Anderlecht
since 20192.295.312.978
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21307G0181/00K000 | Brussels | 476 m² | 1 · 156 m² | 5.9 m · 1 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.
Recognitions · licences · registrations
Legal Entity Identifier
9845001441D59DD3A454
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Of 13,422 companies in sector 73300 we hold annual accounts for 6,901. 3,005 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-10-2019
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.