Summary
NB CONSULT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €54,654 and a net result of -€5,911. Equity is growing by ~7.6% per year across the filed fiscal years. Its solvency ranks better than 10% of 3318 sector peers (fiscal year 2024). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
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.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 3318 sector peers (2024).
NBB · sector comparisonPosition among 3318 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-10-2025, 85 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
85 d late
2023
89 d late
2022
92 d late
2021
65 d late
2020
136 d late
2019
116 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 97 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€54,654▼ 9.8%
2023 · €60,565
Net result
-€5,911▲ 62.0%
2023 · -€15,564
Total assets
€1.4m▼ 4.3%
2023 · €1.4m
Solvency
4.0%▼ 0.2pp
2023 · 4.3%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€38,427▼ 22.7%€8,194▼ 78.7%€29,130▲ 256%€11,348▼ 61.0%€23,280▲ 105%
Net result€16,480within the sector's middle half▼ 29.5%€1,468below the sector's middle half▼ 91.1%€7,750within the sector's middle half▲ 428%-€15,564below the sector's middle half-€5,911below the sector's middle half▲ 62.0%
Equity€66,911within the sector's middle half▲ 32.7%€68,379within the sector's middle half▲ 2.2%€76,129within the sector's middle half▲ 11.3%€60,565within the sector's middle half▼ 20.4%€54,654within the sector's middle half▼ 9.8%
Total assets€1.0mabove the sector's middle half▲ 1.0%€957,695above the sector's middle half▼ 6.0%€1.1mabove the sector's middle half▲ 13.7%€1.4mabove the sector's middle half▲ 30.4%€1.4mabove the sector's middle half▼ 4.3%
Debt€951,641▼ 0.6%€889,316▼ 6.5%€1.0m▲ 13.9%€1.4m▲ 34.3%€1.3m▼ 4.1%
Working capital€76,261within the sector's middle half▼ 20.8%€123,764within the sector's middle half▲ 62.3%€53,778within the sector's middle half▼ 56.5%€234,737above the sector's middle half▲ 336%€230,352above the sector's middle half▼ 1.9%
Solvency6.6%below the sector's middle half▲ 1.6pp7.1%below the sector's middle half▲ 0.6pp7.0%below the sector's middle half▼ 0.2pp4.3%below the sector's middle half▼ 2.7pp4.0%below the sector's middle half▼ 0.2pp
Current ratio1.81within the sector's middle half▼ 0.233.41within the sector's middle half▲ 1.601.26within the sector's middle half▼ 2.151.77within the sector's middle half▲ 0.511.78within the sector's middle half▲ 0.01
Return on assets (ROA)1.6%within the sector's middle half▼ 0.7pp0.2%below the sector's middle half▼ 1.5pp0.7%below the sector's middle half▲ 0.6pp-1.1%below the sector's middle half▼ 1.8pp-0.4%below the sector's middle half▲ 0.7pp
Staff (FTE)2.6within the sector's middle half▲ 30.0%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 105% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.4m
Fixed assets
€833,674 ▼ 5.3%
Current assets
€525,765 ▼ 2.7%
Equity and liabilities €1.4m
Equity
€54,654 ▼ 9.8%
Debt
€1.3m ▼ 4.1%
Debt's share of the balance-sheet total rises from 95.7% to 96.0%. Equity and debt are lower.
Key figures and ratios
ROE
-10.8%▲
2023 · -25.7%
Debt ≤ 1 year
€295,412▼
2023 · €305,661
Debt > 1 year
€1.0m▼
2023 · €1.1m
Staff costs
€193,737▼
2023 · €200,991
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €158,154 | €203,320 | €200,991 | €193,737 | ▼ 3.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €90,377 | €51,051 | €63,932 | €64,912 | €64,367 | ▼ 0.8% |
| Other operating charges640/8 | - | €14,411 | €14,348 | €10,128 | €4,213 | ▼ 58.4% |
| Gross operating margin9900 | €214,931 | €231,809 | €310,731 | €287,379 | €285,596 | ▼ 0.6% |
| Operating profit (loss)9901 | €38,427 | €8,194 | €29,130 | €11,348 | €23,280 | ▲ 105% |
| Financial income75/76B | - | - | - | €4 | €0 | ▼ 99.5% |
| Recurring financial income75 | - | - | - | €4 | €0 | ▼ 99.5% |
| Financial charges65/66B | - | €14,097 | €14,918 | €26,916 | €29,191 | ▲ 8.5% |
| Recurring financial charges65 | €14,447 | €14,097 | €14,918 | €26,916 | €29,191 | ▲ 8.5% |
| Profit (loss) for the period before taxes9903 | €23,980 | -€5,904 | €14,212 | -€15,564 | -€5,911 | ▲ 62.0% |
| Income taxes67/77 | €7,500 | -€7,372 | €6,462 | - | - | - |
| Profit (loss) for the period9904 | €16,480 | €1,468 | €7,750 | -€15,564 | -€5,911 | ▲ 62.0% |
| Profit (loss) for the period to be appropriated9905 | €16,480 | €1,468 | €7,750 | -€15,564 | -€5,911 | ▲ 62.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.0m | €957,695 | €1.1m | €1.4m | €1.4m | ▼ 4.3% |
| Fixed assets21/28 | €847,750 | €782,592 | €828,198 | €880,427 | €833,674 | ▼ 5.3% |
| Intangible fixed assets21 | €0 | €6,832 | €6,113 | €5,395 | €4,676 | ▼ 13.3% |
| Tangible fixed assets22/27 | €847,480 | €750,490 | €821,814 | €874,762 | €828,729 | ▼ 5.3% |
| Land and buildings22 | - | €519,128 | €506,491 | €602,665 | €589,881 | ▼ 2.1% |
| Plant, machinery and equipment23 | - | €764 | €431 | €2,575 | €3,883 | ▲ 50.8% |
| Furniture and vehicles24 | - | €30,834 | €28,653 | €24,136 | €30,431 | ▲ 26.1% |
| Other tangible fixed assets26 | - | €199,763 | €286,239 | €245,387 | €204,534 | ▼ 16.6% |
| Financial fixed assets28 | €270 | €25,270 | €270 | €270 | €270 | = |
| Current assets29/58 | €170,802 | €175,102 | €261,010 | €540,398 | €525,765 | ▼ 2.7% |
| Amounts receivable within one year40/41 | €65,318 | €165,275 | €233,393 | €538,472 | €524,694 | ▼ 2.6% |
| Trade receivables40 | - | €134,882 | €91,769 | €314,996 | €336,215 | ▲ 6.7% |
| Other amounts receivable41 | - | €30,394 | €141,624 | €223,477 | €188,478 | ▼ 15.7% |
| Cash at bank and in hand54/58 | €29,505 | €9,827 | €27,618 | €1,926 | €1,071 | ▼ 44.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.0m | €957,695 | €1.1m | €1.4m | €1.4m | ▼ 4.3% |
| Equity10/15 | €66,911 | €68,379 | €76,129 | €60,565 | €54,654 | ▼ 9.8% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Capital10 | - | €6,200 | - | - | - | - |
| Issued capital100 | - | €18,600 | - | - | - | - |
| Uncalled capital101 | - | €12,400 | - | - | - | - |
| Outside capital11 | - | - | €6,200 | - | €6,200 | - |
| Other1109/19 | - | - | €6,200 | - | €6,200 | - |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Legal reserve130 | - | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €58,851 | €60,319 | €68,069 | €52,505 | €46,594 | ▼ 11.3% |
| Amounts payable17/49 | €951,641 | €889,316 | €1.0m | €1.4m | €1.3m | ▼ 4.1% |
| Amounts payable after more than one year17 | €857,100 | €837,978 | €805,846 | €1.1m | €1.0m | ▼ 4.3% |
| Financial debts170/4 | - | €837,978 | €805,846 | €1.1m | €1.0m | ▼ 4.3% |
| Amounts payable within one year42/48 | €94,541 | €51,338 | €207,233 | €305,661 | €295,412 | ▼ 3.4% |
| Current portion of amounts payable after more than one year42 | - | €21,431 | €40,922 | €67,741 | €67,305 | ▼ 0.6% |
| Financial debts43 | - | - | €1,093 | €45,336 | €54,323 | ▲ 19.8% |
| Credit institutions430/8 | - | - | €1,093 | €45,336 | €54,323 | ▲ 19.8% |
| Trade debts44 | €11,331 | €2,006 | €13,045 | €8,341 | €3,739 | ▼ 55.2% |
| Suppliers440/4 | - | €2,006 | €13,045 | €8,341 | €3,739 | ▼ 55.2% |
| Taxes, remuneration and social security45 | - | €27,902 | €52,689 | €92,114 | €99,240 | ▲ 7.7% |
| Taxes450/3 | - | €4,773 | €16,340 | €33,320 | €43,491 | ▲ 30.5% |
| Remuneration and social security454/9 | - | €23,128 | €36,348 | €58,794 | €55,749 | ▼ 5.2% |
| Other amounts payable47/48 | - | - | €99,484 | €92,130 | €70,806 | ▼ 23.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16,480 | €1,468 | €7,750 | -€15,564 | -€5,911 | ▲ 62.0% |
| + Depreciation and write-downs630 | €90,377 | €51,051 | €63,932 | €64,912 | €64,367 | ▼ 0.8% |
| Operating cash flow (approximation) | €106,857 | €52,520 | €71,682 | €49,348 | €58,456 | ▲ 18.5% |
| Investment in fixed assets (approximation) | - | €14,106 | -€109,537 | -€117,141 | -€17,615 | ▲ 85.0% |
| Change in cash | - | -€19,678 | €17,791 | -€25,692 | -€855 | ▲ 96.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
24-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 85 days late
2024
28-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 89 days late
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
2022
04-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 65 days late
2021
14-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 136 days late
2020
24-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 116 days late
2019
31-12
Financial
Back to profitnet €23,370
Net result €23,370 after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
23-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 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, Anderlecht · 1 establishment unit since 2014
Ground area
686 m²
Building footprint
476 m²
Volume, LiDAR
6,117 m³
2 parcels, Brussels · tallest building 17.3 m, ±5 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
V&B CONSULT
since 20142.232.963.457
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21302A0025/00X012 | Brussels | 468 m² | 1 · 317 m² | 15.8 m · 4 fl. |
| 21302A0025/00Y006 | Brussels | 217 m² | 1 · 158 m² | 17.3 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 2,355 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded24-07-2014
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Contact
E-mail
nadia.benhaddou@pv.beAnderlecht
Phone
0474395611Anderlecht
E-invoicing
Reachable via Peppol
Peppol ID
0208:0556831072
Registered
21-07-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.