MiZo Consulting
ActiveMiZo Consulting has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €77k and a net result of €44k. Equity is growing by ~106.2% per year across the filed fiscal years. Its solvency ranks better than 87% of 11209 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
87
/ 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
Profitability100=
Solvency100▲+20
Growth78=
Track record94
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 7.2 against 1.97 in 2024; short-term debt: 12.9% and cash: 72.9% of total assets), and 12.9% 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
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
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
87.1%
Return on assets
50%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 13-02-2026, 168 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
168 d early
2024
142 d early
2023
55 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€77k▲ 134%
2024 · €33k
2023: €7k
2024: €33k
2023 → 2025
Total assets
€89k▲ 46.8%
2024 · €61k
2023: €29k
2024: €61k
2023 → 2025
Net result
€44k▲ 67.1%
2024 · €27k
2023: €6k
2024: €27k
2023 → 2025
Working capital
€71k▲ 166%
2024 · €27k
2023: €-1k
2024: €27k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€7k-€33k▲ 352%€77k▲ 134%
Operating result€11k-€34k▲ 226%€57k▲ 65.7%
Net result€6k-€27k▲ 333%€44k▲ 67.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 66% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €89k
Fixed assets
€7k▲ 3.3%
Current assets
€82k▲ 52.0%
Equity and liabilities €89k
Equity
€77k▲ 134%
Debt
€11k▼ 58.5%
The debt ratio falls from 45.4% to 12.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€59k▲
2024 · €36k
Cash flow
€47k▲
2024 · €29k
Solvency
87.1%▲
2024 · 54.6%
Current ratio
7.20▲
2024 · 1.97
Quick ratio
7.20▲
2024 · 1.97
Debt / equity
0.15▼
2024 · 0.83
ROE
57.4%▼
2024 · 80.5%
ROA
50.0%▲
2024 · 43.9%
Interest coverage
273.63▲
2024 · 260.31
Debt
€11k▼
2024 · €27k
Debt ≤ 1 year
€11k▼
2024 · €27k
Income taxes
€12k▲
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€61k€89k▲
Fixed assets21/28€6k€7k▲
Tangible fixed assets22/27€6k€7k▲
Plant, machinery and equipment23€1k€770▼
Other tangible fixed assets26€5k€6k▲
Current assets29/58€54k€82k▲
Amounts receivable within one year40/41€16k€17k▲
Trade receivables40€16k€16k=
Other amounts receivable41€0€294▲
Cash at bank and in hand54/58€37k€65k▲
Deferred charges and accrued income490/1€793€793=
Equity and liabilities
Total equity and liabilities10/49€61k€89k▲
Equity10/15€33k€77k▲
Contributions10/11€2k€2k=
Reserves13€31k€75k▲
Distributable reserves133€31k€75k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€27k€11k▼
Amounts payable within one year42/48€27k€11k▼
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€14k€9k▼
Taxes450/3€14k€9k▼
Other amounts payable47/48€11k€100▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€113€144▲
Non-recurring operating charges66A€1k€0▼
Gross operating margin9900€38k€59k▲
Operating profit (loss)9901€34k€57k▲
Financial income75/76B€5€0▼
Recurring financial income75€5€0▼
Financial charges65/66B€140€216▲
Recurring financial charges65€140€216▲
Profit (loss) for the period before taxes9903€34k€57k▲
Income taxes67/77€8k€12k▲
Profit (loss) for the period9904€27k€44k▲
Profit (loss) for the period to be appropriated9905€27k€44k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€44k▲
Transfer to equity691/2€26k€44k▲
To other reserves6921€26k€44k▲
Profit to be distributed694/7€859€0▼
Return on contributions (dividend)694€859€0▼
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
13-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €44k ▲67.1%
Operating result €57k, net result €44k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 7.20
Current ratio from 1.97 to 7.20; short-term debt falls from €27k to €11k.
11-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 1.97
Current ratio from 0.95 to 1.97.
06-06
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, Lievegem · 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.
Bredestraat Kouter 39920 LievegemGround area
1,915 m²
Building footprint
241 m²
Volume, LiDAR
1,412 m³
Parcel 44452B0345/02M000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MiZo Consulting
since 20232.340.705.911
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44452B0345/02M000 | Flanders | 1,915 m² | 1 · 241 m² | 9.3 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 1,769 EUR awarded · 1,769 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,769 EUR | 1,769 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 6,156 companies in sector 46190 we hold annual accounts for 2,567. 1,958 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-01-2023
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
71209Other technical testing and analysis
73300Public relations and communication consultancy
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.