MISPELTER CONSULTING
ActiveMISPELTER CONSULTING has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €80k and a net result of €7k. Equity is growing by ~24.2% per year across the filed fiscal years. Its solvency ranks better than 83% of 17007 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability38▼-25
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 6.75 against 9.37 in 2024; short-term debt: 13.3% and cash: 24.6% of total assets), and 13.3% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
86.7%
Return on assets
7.8%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
26 d late
2024
28 d late
2023
3 d early
2023
20 d late
2022
25 d late
2021
24 d late
2020
27 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€80k▲ 9.9%
2024 · €73k
2019: €20k
2020: €34k
2021: €34k
2022: €44k
2023: €35k
2023: €52k
2024: €73k
2019 → 2025
Total assets
€92k▲ 13.9%
2024 · €81k
2019: €65k
2020: €58k
2021: €88k
2022: €61k
2023: €50k
2023: €73k
2024: €81k
2019 → 2025
Net result
€7k▼ 65.3%
2024 · €21k
2019: €30k
2020: €28k
2021: €48k
2022: €10k
2023: €-9k
2023: €17k
2024: €21k
2019 → 2025
Working capital
€70k▲ 2.7%
2024 · €68k
2019: €18k
2020: €30k
2021: €31k
2022: €38k
2023: €31k
2023: €49k
2024: €68k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202320242025Trend
Equity€44k-€35k▼ 19.9%€52k▲ 48.2%€73k▲ 40.0%€80k▲ 9.9%
Operating result€15k-€29k▲ 102%€22k▼ 26.3%€83k▲ 284%€84k▲ 0.7%
Net result€10k-€-9k€17k€21k▲ 19.7%€7k▼ 65.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
Multiple fiscal year ends fall in the same calendar year; an annual trend is not displayed.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €92k
Fixed assets
€10k▲ 123%
Current assets
€82k▲ 7.7%
Equity and liabilities €92k
Equity
€80k▲ 9.9%
Debt
€12k▲ 49.6%
The debt ratio rises from 10.1% to 13.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€86k▲
2024 · €83k
Cash flow
€10k▼
2024 · €21k
Solvency
86.7%▼
2024 · 89.9%
Current ratio
6.75▼
2024 · 9.37
Quick ratio
6.75▼
2024 · 9.37
Debt / equity
0.15▲
2024 · 0.11
ROE
9.0%▼
2024 · 28.6%
ROA
7.8%▼
2024 · 25.7%
Interest coverage
1.17▼
2024 · 1.54
Debt
€12k▲
2024 · €8k
Debt ≤ 1 year
€12k▲
2024 · €8k
Income taxes
€3k▼
2024 · €8k
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€81k€92k▲
Fixed assets21/28€4k€10k▲
Tangible fixed assets22/27€4k€10k▲
Plant, machinery and equipment23€414€230▼
Furniture and vehicles24€4k€10k▲
Current assets29/58€77k€82k▲
Amounts receivable within one year40/41€44k€58k▲
Trade receivables40€29k€36k▲
Other amounts receivable41€15k€22k▲
Cash at bank and in hand54/58€30k€23k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€81k€92k▲
Equity10/15€73k€80k▲
Contributions10/11€6k€6k=
Reserves13€67k€74k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€12k€12k=
Distributable reserves133€52k€60k▲
Amounts payable17/49€8k€12k▲
Amounts payable within one year42/48€8k€12k▲
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€0€5k▲
Taxes450/3€0€5k▲
Other amounts payable47/48€4k€4k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15€2k▲
Other operating charges640/8€446€706▲
Gross operating margin9900€83k€87k▲
Operating profit (loss)9901€83k€84k▲
Financial income75/76B-€317
Recurring financial income75-€317
Financial charges65/66B€54k€74k▲
Recurring financial charges65€54k€74k▲
Profit (loss) for the period before taxes9903€29k€10k▼
Income taxes67/77€8k€3k▼
Profit (loss) for the period9904€21k€7k▼
Profit (loss) for the period to be appropriated9905€21k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€7k▼
Transfer to equity691/2€21k€7k▼
To the legal reserve6920€21k€0▼
To other reserves6921€0€7k▲
The notes to these accounts (9 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 9.37
Current ratio from 3.29 to 9.37; short-term debt falls from €21k to €8k.
25-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
28-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
20-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
31-03
Financial
Weakest financial yearnet €-9k ▼186%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
2022
25-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
31-03
Financial
Liquidity doublescurrent ratio 3.22
Current ratio from 1.57 to 3.22; short-term debt falls from €54k to €17k.
2021
24-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
31-03
Financial
Highest result since 2019net €48k ▲72.9%
Net result €48k, the highest in the series.
2020
27-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2019
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 30 days late
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · 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, Halle · 1 establishment unit since 2011
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.
Melkerijstraat 271500 HalleGround area
186 m²
Building footprint
85 m²
Volume, LiDAR
626 m³
Parcel 23413H0115/00M000, Flanders · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Melkerijstraat 27, 1500 Halle
since 20112.198.740.768
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23413H0115/00M000 | Flanders | 186 m² | 1 · 85 m² | 11.8 m · 3 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
25490024WB2JQW7H7V94
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,392. 15,592 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-04-2011
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.