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NCD CONSULT

Active
Private limited companyfounded 2004active for 22 yearsGrand'Ry Cornesse 226, 4860 Pepinster, BelgiumKBO/BCE: BE 0863.020.975
Summary

NCD CONSULT has been active since 2004 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €316,991 and a net result of €89,865. Equity is growing by about 30% per year across the filed financial years. Its solvency ranks better than 71% of 5,007 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisFollow ReportCompare
NCD CONSULTActiveChecked score 91/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of cars and light vans (up to 3.5 tonnes)
NACE 47811Retail sale of bicycles NACE 47632
7th largest company by equity in Pepinster, Wholesale and retail trade sector2 sites
Size
€562,846total assets 2025
Staff
0.9 FTE
Equity
€316,991
Profit
€89,865
Financial health
91 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Structure
2025 accounts 64 days early1 of 2 deeds summarised
Why 91raises riskSector: Retail trade (NACE 47)Liquidity: current ratio 3.30, cash €19,194, halvedlowers riskFounded in 2004Equity €316,991 (56.3% of total assets)Show the evidence

Checked score

Score 2025
91 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 69% of its sector peers (NACE 47, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 81+10
equity 56.3% of total assets
Liquidity 42-14
short-term debt 29.4% · cash 3.4%
Profitability 89+1
return on assets 16.0%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,222 companies, NACE 47, micro)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● unchanged vs 11-2024 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.3%▲ +0.1 percentage points vs 02-2025 04-2025: 0.3%● unchanged vs 03-2025highest value 05-2025: 0.3%● unchanged vs 04-2025 06-2025: 0.1%▼ -0.2 percentage points vs 05-2025lowest value 07-2025: 0.1%● unchanged vs 06-2025lowest value 08-2025: 0.1%● unchanged vs 07-2025lowest value 09-2025: 0.1%● unchanged vs 08-2025lowest value 10-2025: 0.1%● unchanged vs 09-2025lowest value 11-2025: 0.1%● unchanged vs 10-2025lowest value 12-2025: 0.1%● unchanged vs 11-2025lowest value 01-2026: 0.1%● unchanged vs 12-2025lowest value 02-2026: 0.1%● unchanged vs 01-2026lowest value 03-2026: 0.1%● unchanged vs 02-2026lowest value 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.2%▲ +0.1 percentage points vs 05-2026 07-2026: 0.2%● unchanged vs 06-2026 08-2026: 0.2%● unchanged vs 07-2026 09-2026: 0.2%● unchanged vs 08-2026 10-2026: 0.2%● unchanged vs 09-2026
Credit of up to €25,000 on 30-day terms is acceptable
Liquidity ample (current ratio 3.3, compared with 2.99 in 2024, above the usual 1.5; short-term debt: 29.4% and cash: 3.4% of total assets), and 43.7% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 70% on solvency, 40% on liquidity, 84% on profitability and 83% on growth.

The bankruptcy probability was computed on 23-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Founded in 2004
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
lowers risk · Equity €316,991 (56.3% of total assets)
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · Liquidity: current ratio 3.30, cash €19,194, halved
NBB · annual accounts
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 28-05-2026, 64 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
64 days early
2024
93 days early
2023
105 days early
2022
111 days early
2021
95 days early
2020
100 days early
2019
31 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 86 days before the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% 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 27 April (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
24-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · full…
  2. Highest result from 2018 to 2025net €89,865 ▲20.9%
  3. Annual accounts filedfinancial year 2024 · full…

Key points

  • Positive: 7th largest company by equity in Pepinster, Wholesale and retail trade sectorin the Checked rankings No. 7 View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Positive: 8 profitable years in a rowprofit 2025: €89,865 8 years View
  • Positive: Equity rose in 2025from €227,126 to €316,991 ▲ 39.6% View

By topic

Financials

Financial year
2025
Total assets
€562,846
Profit
€89,865
Solvency
56.3%
Total assets▲ 14.4%
Net result
20182025
Go to Financials

Timeline

Events
26
Since
2005
Next accounts
by 31-07-2027
  1. 31-12-2024Equity above €200,000
  2. 17-04-2024Annual accounts filed
  3. 31-12-2023Equity above €150,000
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Retail sale of cars and light vans (up…NACE 47811
Founded
26-01-2004
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Key facts about NCD CONSULT

What is the company number of NCD CONSULT?
0863.020.975. In Belgium the VAT number is the company number with BE in front: BE 0863.020.975.
Where is NCD CONSULT based?
The registered office is at Grand'Ry Cornesse 226, 4860 Pepinster.Company details
What does NCD CONSULT do?
According to the KBO register, the main activity is retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811).
What is the legal form of NCD CONSULT?
Private limited company (BV).
When was NCD CONSULT founded?
On 26-01-2004.
Is NCD CONSULT still active?
Yes, NCD CONSULT is an active enterprise in the KBO register.
How many employees does NCD CONSULT have?
On average 0.9 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of NCD CONSULT?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is NCD CONSULT profitable?
In financial year 2025, NCD CONSULT made a profit of €89,865.
Where can I find the annual accounts of NCD CONSULT?
NCD CONSULT filed 22 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of NCD CONSULT due?
By 31-07-2027, for financial year 2026.Timeline

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