Le Chiffre Consulting
ActiveLe Chiffre Consulting 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 €86k and a net result of €33k. Equity is growing by ~67.7% per year across the filed fiscal years. Its solvency ranks better than 81% of 7971 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. 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 23-02-2026, 158 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
158 d early
2024
49 d early
2023
47 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€86k▲ 63.4%
2024 · €53k
2023: €15k
2024: €53k
2023 → 2025
Net result
€33k▼ 12.0%
2024 · €38k
2023: €12k
2024: €38k
2023 → 2025
Total assets
€103k▲ 39.5%
2024 · €74k
2023: €33k
2024: €74k
2023 → 2025
Solvency
83.4%▲ 12.2pp
2024 · 71.2%
2023: 44.4%
2024: 71.2%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€15k-€53k▲ 257%€86k▲ 63.4%
Operating result€16k-€51k▲ 214%€46k▼ 9.5%
Net result€12k-€38k▲ 222%€33k▼ 12.0%
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 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €103k
Fixed assets
€23k▲ 3,562%
Current assets
€80k▲ 10.0%
Equity and liabilities €103k
Equity
€86k▲ 63.4%
Debt
€17k▼ 19.6%
The debt ratio falls from 28.8% to 16.6%: equity grows while debt is paid down.
Key figures and ratios
Solvency
83.4%▲
2024 · 71.2%
ROE
38.8%▼
2024 · 72.0%
ROA
32.3%▼
2024 · 51.3%
Debt
€17k▼
2024 · €21k
Debt ≤ 1 year
€17k▼
2024 · €20k
Income taxes
€11k▲
2024 · €11k
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€74k€103k▲
Formation expenses20€549€186▼
Fixed assets21/28€626€23k▲
Tangible fixed assets22/27€626€23k▲
Plant, machinery and equipment23€626€7k▲
Other tangible fixed assets26-€16k
Current assets29/58€73k€80k▲
Amounts receivable within one year40/41€14k€12k▼
Trade receivables40€14k€12k▼
Cash at bank and in hand54/58€59k€68k▲
Deferred charges and accrued income490/1€138-
Equity and liabilities
Total equity and liabilities10/49€74k€103k▲
Equity10/15€53k€86k▲
Contributions10/11€3k€3k=
Reserves13€50k€83k▲
Distributable reserves133€50k€83k▲
Amounts payable17/49€21k€17k▼
Amounts payable within one year42/48€20k€17k▼
Trade debts44€32€2k▲
Suppliers440/4€32€2k▲
Taxes, remuneration and social security45€18k€12k▼
Taxes450/3€18k€12k▼
Other amounts payable47/48€3k€3k▲
Accrued charges and deferred income492/3€913€110▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€62€62=
Gross operating margin9900€52k€48k▼
Operating profit (loss)9901€51k€46k▼
Financial income75/76B€7€555▲
Recurring financial income75€7€555▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€49k€44k▼
Income taxes67/77€11k€11k▲
Profit (loss) for the period9904€38k€33k▼
Profit (loss) for the period to be appropriated9905€38k€33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€33k▼
Transfer to equity691/2€38k€33k▼
To other reserves6921€38k€33k▼
The notes to these accounts (5 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
23-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €38k ▲222%
Operating result €51k, net result €38k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.57
Current ratio from 1.75 to 3.57.
14-06
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.
Directors · office · real estate
Directors
2 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, Lummen · 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.
Larenstraat 533560 LummenGround area
1,458 m²
Building footprint
166 m²
Parcel 71037C1139/00P000, Flanders. Linked by address, not a title deed.
1 establishment unit
Le Chiffre Consulting
since 20232.347.311.314
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71037C1139/00P000 | Flanders | 1,458 m² | 1 · 166 m² | - |
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 801 companies in sector 64999 we hold annual accounts for 482. 317 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-07-2023
Fiscal year end31-12
Activities, NACEBEL
64999Other financial services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.