MOREL CONSULTING
ActiveMOREL CONSULTING has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €289k and a net result of €79k. Equity is growing by ~39.6% per year across the filed fiscal years. Its solvency ranks better than 50% of 31545 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency97▼-3
Growth52=
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 6.19 against 5.2 in 2024), and 43.7% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
56.3%
Return on assets
15.3%
Age of the figures
9 mo
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
30 d early
2023
30 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€289k▲ 37.5%
2024 · €210k
2023: €122k
2024: €210k
2023 → 2025
Total assets
€513k▲ 106%
2024 · €249k
2023: €172k
2024: €249k
2023 → 2025
Net result
€79k▼ 10.4%
2024 · €88k
2023: €119k
2024: €88k
2023 → 2025
Working capital
€200k▲ 21.4%
2024 · €165k
2023: €95k
2024: €165k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€122k-€210k▲ 71.8%€289k▲ 37.5%
Operating result€155k-€107k▼ 31.2%€101k▼ 5.2%
Net result€119k-€88k▼ 26.4%€79k▼ 10.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 5% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €513k
Fixed assets
€275k▲ 504%
Current assets
€238k▲ 16.9%
Equity and liabilities €513k
Equity
€289k▲ 37.5%
Debt
€224k▲ 473%
The debt ratio rises from 15.7% to 43.7%: debt grows faster than equity.
Key figures and ratios
EBITDA
€127k▲
2024 · €114k
Cash flow
€105k▲
2024 · €96k
Solvency
56.3%▼
2024 · 84.3%
Current ratio
6.19▲
2024 · 5.20
Quick ratio
6.19▲
2024 · 5.20
Debt / equity
0.78▲
2024 · 0.19
ROE
27.3%▼
2024 · 41.8%
ROA
15.3%▼
2024 · 35.2%
Interest coverage
19.02▼
2024 · 433.64
Debt
€224k▲
2024 · €39k
Debt ≤ 1 year
€39k▼
2024 · €39k
Debt > 1 year
€186k
Income taxes
€21k▼
2024 · €24k
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€249k€513k▲
Fixed assets21/28€45k€275k▲
Tangible fixed assets22/27€20k€275k▲
Land and buildings22-€259k
Furniture and vehicles24€20k€16k▼
Financial fixed assets28€25k€0▼
Current assets29/58€204k€238k▲
Amounts receivable after more than one year29€93k€98k▲
Other amounts receivable291€93k€98k▲
Amounts receivable within one year40/41€19k€28k▲
Trade receivables40€19k€20k▲
Other amounts receivable41€0€8k▲
Cash at bank and in hand54/58€91k€111k▲
Deferred charges and accrued income490/1€709€2k▲
Equity and liabilities
Total equity and liabilities10/49€249k€513k▲
Equity10/15€210k€289k▲
Contributions10/11€3k€3k=
Reserves13€207k€286k▲
Distributable reserves133€207k€286k▲
Amounts payable17/49€39k€224k▲
Amounts payable after more than one year17-€186k
Financial debts170/4-€186k
Amounts payable within one year42/48€39k€39k▼
Current portion of amounts payable after more than one year42€0€8k▲
Trade debts44€6k€1k▼
Suppliers440/4€6k€1k▼
Taxes, remuneration and social security45€32k€30k▼
Taxes450/3€32k€30k▼
Other amounts payable47/48€616€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€26k▲
Other operating charges640/8€526€3k▲
Gross operating margin9900€115k€131k▲
Operating profit (loss)9901€107k€101k▼
Financial income75/76B€5k€5k▼
Recurring financial income75€5k€5k▼
Financial charges65/66B€264€7k▲
Recurring financial charges65€264€7k▲
Profit (loss) for the period before taxes9903€112k€100k▼
Income taxes67/77€24k€21k▼
Profit (loss) for the period9904€88k€79k▼
Profit (loss) for the period to be appropriated9905€88k€79k▼
Appropriation of the result
Profit (loss) to be appropriated9906€88k€79k▼
Transfer to equity691/2€88k€79k▼
To other reserves6921€88k€79k▼
The notes to these accounts (11 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
31-12
Financial
Weakest financial yearnet €79k ▼10.4%
Net result drops to €79k, the lowest in the series.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €210k ▲71.8%
2 profitable years in a row build equity to €210k.
01-07
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
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, Lier · 1 establishment unit since 2022
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.
Sint-Annastraat 612500 LierGround area
114 m²
Building footprint
71 m²
Volume, LiDAR
413 m³
Parcel 12393F0085/00C004, Flanders · tallest building 10.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Sint-Annastraat 61, 2500 Lier
since 20222.332.954.225
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12393F0085/00C004 | Flanders | 114 m² | 1 · 71 m² | 10.1 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
64883XT0UK2IQ43L1298
Similar companies · same sector, comparable size
Konroad Concept
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BE 0548.904.192
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Uwents Consulting
BE 0699.652.981
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S.G.
BE 0887.443.201
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P.R.B.M. - CONSULTING
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Gent · Eq €289k
Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 38,225 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-05-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
82990Other business support 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.