Summary
ML CONSULT 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 €94,816 and a net result of €12,544. Equity is growing by about 18% per year across the filed financial years. Its solvency ranks better than 84% of 9,732 sector peers (NACE 64, financial year 2025). The company has been active since 2008 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Activities of holding companies
NACE 64210
5th oldest company in Rotselaar, Finance and insurance sector1 site
Size
≈ €110,000turnover 2025, estimated
- Equity
- €94,816
- Profit
- €12,544
Turnover estimated from the gross margin
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
2025 accounts 56 days early1 deed in the Belgian Official Gazette
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
1 signal.
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 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 days early
2024
59 days early
2023
57 days early
2022
42 days early
2021
24 days early
2020
32 days early
2019
29 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 43 days before the deadline; the sector median (NACE 64) for financial year 2024 is 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 5 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
28-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · micro…
- General meeting · Other provisionCapital increase · Capital contribution
- Annual accounts filedfinancial year 2024 · micro…
Financials · financial year 2025, micro format
In the rankings
#5 oldest company in Rotselaar, Finance and insurance sector
Equity
€94,816▲ 15.2%
2024 · €82,272
Net result
€12,544▼ 43.0%
2024 · €22,024
Total assets
€110,093▲ 22.8%
2024 · €89,659
Solvency
86.1%▼ 5.6pp
2024 · 91.8%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result falls in 2025; 2025 is 39% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€18,386
2025
Net result€12,544
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€110,093
2025
Equity€94,816
2025
Debt€15,277
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€85,144
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)11.4%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency86.1%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio7.66
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result-€1,919-€23,372€34,410▲ 47.2%€25,224▼ 26.7%-€12,391€3,248€30,173▲ 829%€18,386▼ 39.1%
Net result-€624-€16,790€24,071within the sector's middle half▲ 43.4%€16,171within the sector's middle half▼ 32.8%-€13,058below the sector's middle half€2,638below the sector's middle half€22,024within the sector's middle half▲ 735%€12,544within the sector's middle half▼ 43.0%
Equity€13,636-€30,426▲ 123%€54,497below the sector's middle half▲ 79.1%€70,668within the sector's middle half▲ 29.7%€57,610within the sector's middle half▼ 18.5%€60,248within the sector's middle half▲ 4.6%€82,272within the sector's middle half▲ 36.6%€94,816within the sector's middle half▲ 15.2%
Total assets€39,167-€66,041▲ 68.6%€64,149below the sector's middle half▼ 2.9%€75,751below the sector's middle half▲ 18.1%€69,127below the sector's middle half▼ 8.7%€86,881below the sector's middle half▲ 25.7%€89,659below the sector's middle half▲ 3.2%€110,093below the sector's middle half▲ 22.8%
Debt€25,531-€35,615▲ 39.5%€9,652▼ 72.9%€5,083▼ 47.3%€11,517▲ 127%€26,633▲ 131%€7,386▼ 72.3%€15,277▲ 107%
Working capital€12,676-€27,257▲ 115%€47,128within the sector's middle half▲ 72.9%€65,504within the sector's middle half▲ 39.0%€52,371within the sector's middle half▼ 20.0%€57,616within the sector's middle half▲ 10.0%€79,613within the sector's middle half▲ 38.2%€85,144within the sector's middle half▲ 6.9%
Solvency34.8%-46.1%▲ 11.3pp85.0%above the sector's middle half▲ 38.9pp93.3%above the sector's middle half▲ 8.3pp83.3%above the sector's middle half▼ 9.9pp69.3%within the sector's middle half▼ 14.0pp91.8%above the sector's middle half▲ 22.4pp86.1%above the sector's middle half▼ 5.6pp
Current ratio1.50-1.77▲ 0.275.88above the sector's middle half▲ 4.1213.89above the sector's middle half▲ 8.005.55above the sector's middle half▼ 8.343.16within the sector's middle half▼ 2.3811.78above the sector's middle half▲ 8.627.66above the sector's middle half▼ 4.11
Return on assets (ROA)-1.6%-25.4%▲ 27.0pp37.5%above the sector's middle half▲ 12.1pp21.3%within the sector's middle half▼ 16.2pp-18.9%below the sector's middle half▼ 40.2pp3.0%within the sector's middle half▲ 21.9pp24.6%within the sector's middle half▲ 21.5pp11.4%within the sector's middle half▼ 13.2pp
above
within
below
the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €110,093
Fixed assets
€12,173 ▲ 358%
Current assets
€97,920 ▲ 12.6%
Equity and liabilities €110,093
Equity
€94,816 ▲ 15.2%
Debt
€15,277 ▲ 107%
Debt's share of the balance-sheet total rises from 8.2% to 13.9%. Equity and debt are higher.
Key figures and ratios
ROE
13.2%▼
2024 · 26.8%
Debt ≤ 1 year
€12,777▲
2024 · €7,386
Debt > 1 year
€2,500
Income taxes
€5,686▼
2024 · €7,935
Staff costs
€0▼
2024 · €960
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €2,702 | - | - | - | - | - |
| Remuneration, social security and pensions62 | - | - | - | - | - | €800 | €960 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €550 | €952 | €2,063 | €2,205 | €2,093 | €2,608 | €2,284 | €4,711 | ▲ 106% |
| Other operating charges640/8 | - | - | - | €748 | €646 | €288 | €1,314 | €660 | ▼ 49.8% |
| Gross operating margin9900 | -€1,022 | €25,386 | €37,294 | €28,177 | -€9,651 | €6,943 | €34,731 | €23,756 | ▼ 31.6% |
| Operating profit (loss)9901 | -€1,919 | €23,372 | €34,410 | €25,224 | -€12,391 | €3,248 | €30,173 | €18,386 | ▼ 39.1% |
| Financial income75/76B | - | - | - | €112 | €218 | €238 | €348 | €441 | ▲ 26.7% |
| Recurring financial income75 | €1,335 | €1,562 | €963 | €112 | €218 | €238 | €348 | €441 | ▲ 26.7% |
| Financial charges65/66B | - | - | - | €375 | €692 | €668 | €563 | €596 | ▲ 6.0% |
| Recurring financial charges65 | €39 | €399 | €1,031 | €375 | €692 | €668 | €563 | €596 | ▲ 6.0% |
| Profit (loss) for the period before taxes9903 | -€624 | €24,535 | €34,342 | €24,961 | -€12,865 | €2,818 | €29,959 | €18,230 | ▼ 39.1% |
| Income taxes67/77 | - | €7,745 | €10,272 | €8,790 | €192 | €180 | €7,935 | €5,686 | ▼ 28.3% |
| Profit (loss) for the period9904 | -€624 | €16,790 | €24,071 | €16,171 | -€13,058 | €2,638 | €22,024 | €12,544 | ▼ 43.0% |
| Profit (loss) for the period to be appropriated9905 | -€624 | €16,790 | €24,071 | €16,171 | -€13,058 | €2,638 | €22,024 | €12,544 | ▼ 43.0% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €39,167 | €66,041 | €64,149 | €75,751 | €69,127 | €86,881 | €89,659 | €110,093 | ▲ 22.8% |
| Fixed assets21/28 | €960 | €3,169 | €7,369 | €5,164 | €5,240 | €2,632 | €2,659 | €12,173 | ▲ 358% |
| Tangible fixed assets22/27 | €960 | €3,169 | €7,369 | €5,164 | €5,240 | €2,632 | €2,659 | €12,173 | ▲ 358% |
| Plant, machinery and equipment23 | - | - | - | €3,900 | €4,607 | €2,632 | €657 | €0 | ▼ 100% |
| Furniture and vehicles24 | - | - | - | €1,264 | €632 | €0 | €2,003 | €12,173 | ▲ 508% |
| Current assets29/58 | €38,207 | €62,873 | €56,781 | €70,587 | €63,887 | €84,249 | €86,999 | €97,920 | ▲ 12.6% |
| Amounts receivable after more than one year29 | - | - | - | - | - | - | - | €9,259 | - |
| Other amounts receivable291 | - | - | - | - | - | - | - | €9,259 | - |
| Amounts receivable within one year40/41 | €16,782 | €37,241 | €16,237 | €18,153 | €22,659 | €28,471 | €26,873 | €27,303 | ▲ 1.6% |
| Trade receivables40 | - | - | - | €15,125 | €9,378 | €18,150 | €15,307 | €9,680 | ▼ 36.8% |
| Other amounts receivable41 | - | - | - | €3,028 | €13,281 | €10,321 | €11,567 | €17,623 | ▲ 52.4% |
| Cash at bank and in hand54/58 | €21,425 | €25,357 | €38,648 | €49,311 | €37,142 | €53,123 | €58,572 | €59,751 | ▲ 2.0% |
| Deferred charges and accrued income490/1 | - | - | - | €3,123 | €4,087 | €2,656 | €1,555 | €1,608 | ▲ 3.4% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €39,167 | €66,041 | €64,149 | €75,751 | €69,127 | €86,881 | €89,659 | €110,093 | ▲ 22.8% |
| Equity10/15 | €13,636 | €30,426 | €54,497 | €70,668 | €57,610 | €60,248 | €82,272 | €94,816 | ▲ 15.2% |
| Contributions10/11 | €6,200 | €6,200 | - | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €8,060 | €24,850 | €48,297 | €64,468 | €64,468 | €64,468 | €76,072 | €88,616 | ▲ 16.5% |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | - | - | €62,608 | €62,608 | €62,608 | €74,212 | €86,756 | ▲ 16.9% |
| Profit (loss) carried forward14 | -€624 | -€624 | - | - | -€13,058 | -€10,420 | €0 | - | - |
| Amounts payable17/49 | €25,531 | €35,615 | €9,652 | €5,083 | €11,517 | €26,633 | €7,386 | €15,277 | ▲ 107% |
| Amounts payable after more than one year17 | - | - | - | - | - | - | - | €2,500 | - |
| Financial debts170/4 | - | - | - | - | - | - | - | €2,500 | - |
| Amounts payable within one year42/48 | €25,531 | €35,615 | €9,652 | €5,083 | €11,517 | €26,633 | €7,386 | €12,777 | ▲ 73.0% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | - | - | - | €6,000 | - |
| Trade debts44 | €163 | €2,036 | €2,748 | €2,709 | €3,427 | €17,193 | €1,378 | €1,050 | ▼ 23.8% |
| Suppliers440/4 | - | - | - | €2,709 | €3,427 | €17,193 | €1,378 | €1,050 | ▼ 23.8% |
| Taxes, remuneration and social security45 | - | - | - | €2,375 | €8,089 | €9,440 | €6,008 | €5,727 | ▼ 4.7% |
| Taxes450/3 | - | - | - | €2,375 | €4,297 | €6,138 | €6,008 | €3,316 | ▼ 44.8% |
| Remuneration and social security454/9 | - | - | - | - | €3,793 | €3,302 | €0 | €2,411 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€624 | €16,790 | €24,071 | €16,171 | -€13,058 | €2,638 | €22,024 | €12,544 | ▼ 43.0% |
| + Depreciation and write-downs630 | €550 | €952 | €2,063 | €2,205 | €2,093 | €2,608 | €2,284 | €4,711 | ▲ 106% |
| Operating cash flow (approximation) | -€74 | €17,742 | €26,133 | €18,376 | -€10,965 | €5,246 | €24,308 | €17,255 | ▼ 29.0% |
| Investment in fixed assets (approximation) | - | -€3,161 | -€6,263 | €0 | -€2,169 | €0 | -€2,312 | -€14,224 | ▼ 515% |
| Change in cash | - | €3,931 | €13,291 | €10,663 | -€12,169 | €15,981 | €5,448 | €1,179 | ▼ 78.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 17 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 05-06-2026 | 2026-00144976 |
| 31-12-2024 | micro format | 02-06-2025 | 2025-00113745 |
| 31-12-2023 | micro format | 04-06-2024 | 2024-00109093 |
| 31-12-2022 | micro format | 19-06-2023 | 2023-00141367 |
| 31-12-2021 | micro format | 07-07-2022 | 2022-20172922 |
| 31-12-2020 | abbreviated format | 29-06-2021 | 2021-26600091 |
| 31-12-2019 | abbreviated format | 02-07-2020 | 2020-25500365 |
| 31-12-2018 | abbreviated format | 30-08-2019 | 2019-62400112 |
| 31-12-2017 | micro format | 10-08-2018 | 2018-44800076 |
| 31-12-2016 | micro format | 11-07-2017 | 2017-29700141 |
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Of the 24,457 active companies whose main activity is activities of holding companies (NACE 64210), figures are known for 20,067. 12,412 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Subsidies and aid
Flemish government
2022 · 1 entry · €630 awarded · €630 paidPublic contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
No directors read yet: 0 of 1 Gazette act processed. See the directors and other office holders in the KBO →
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
History
Acts, filings and financial milestones
Next filing, financial year 2026, expected by
2026
05-06
NBB filing
Annual accounts filed
financial year 2025 · micro format
03-02
Gazette deed
General meeting · Other provision
Capital increase · Capital contribution
2025
02-06
NBB filing
Annual accounts filed
financial year 2024 · micro format
2024
31-12
Financial
Liquidity more than triplescurrent ratio 11.78
Current ratio from 3.16 to 11.78; short-term debt falls from €26,633 to €7,386.
04-06
NBB filing
Annual accounts filed
financial year 2023 · micro format
2023
31-12
Financial
Back to profitnet €2,638
Net result €2,638 after one loss-making year.
19-06
NBB filing
Annual accounts filed
financial year 2022 · micro format
2022
31-12
Financial
Weakest financial yearnet -€13,058
Net result drops to -€13,058, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
financial year 2021 · micro format
2021
31-12
Financial
Liquidity more than doubledcurrent ratio 13.89
Current ratio from 5.88 to 13.89; short-term debt falls from €9,652 to €5,083.
29-06
NBB filing
Annual accounts filed
financial year 2020 · abbreviated format
2020
31-12
Financial
Highest result from 2018 to 2025net €24,071 ▲43.4%
Operating result €34,410, net result €24,071, both a record.
Show earlier events
31-12
Financial
Liquidity more than triplescurrent ratio 5.88
Current ratio from 1.77 to 5.88; short-term debt falls from €35,615 to €9,652.
02-07
NBB filing
Annual accounts filed
financial year 2019 · abbreviated format
2019
31-12
Financial
Back to profitnet €16,790
Net result €16,790 after one loss-making year.
30-08
NBB filing
Annual accounts filed
financial year 2018 · abbreviated format · 30 days late
2018
10-08
NBB filing
Annual accounts filed
financial year 2017 · micro format · 10 days late
2017
11-07
NBB filing
Annual accounts filed
financial year 2016 · micro format
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 17 annual accounts filed, the latest 10 are here; all 17 are under Financials.
0 of 1 deed read
About the unread acts
We know of 1 Belgian Official Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Register details
Identification
Legal formPrivate limited company (pre-2019)
Founded18-09-2008
Financial year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0806599243
Also
9925:BE0806599243
Registered
28-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Rotselaar · 1 establishment unit since 2008
Ground area
4,832 m²
Building footprint
203 m²
Building volume
1,093 m³
Parcel 24121F0373/00B002, Flanders · tallest building 9.1 m. Linked by address, not a title deed.
1 establishment unit
ML CONSULT
since 2008unit no. 2.174.338.241
1 parcel
Flanders
1
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 24121F0373/00B002 | Flanders | 4,832 m² | 1 · 203 m² | 9.1 m · 2 |
How the parcels are linked
Good to know
The parcel matches the address exactly.