Overdue debts
The annual accounts state €8,439 of overdue tax debts on 31-12-2025.
The annual accounts state €8,439 of overdue tax debts on 31-12-2025.
NF ConsultXpert pays its suppliers 2 days later than in 2024. Customers pay 33 days earlier.
Less equity than 91% of companies in wholesale trade. Sector median €1.6m · 6,124 companies.
In July 2024, 2,145 companies had the same profile as NF ConsultXpert has now. Each dot stands for 6 companies, two years later.
Another 0.1% stopped without a precise date, possibly only after those two years.
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,145 companies, not a prediction for NF ConsultXpert. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
| Company | ||||
|---|---|---|---|---|
| NF ConsultXpert Chaumont-Gistoux | €107,395 | -1.2% | 37.5% | - |
| ISSAM CARS Vilvoorde | €67,022 | -10.1% | 6.5% | - |
| MS AUTO SERVICES Anderlecht | - | - | 3.2% | - |
| MY AURORA Dendermonde | - | - | -45.3% | - |
| DIAMONDS ON CALL (EUROPE) Antwerp | - | - | -106.2% | - |
| MIKY SERVICES Sint-Pieters-Leeuw | - | - | 30.5% | - |
| ROYALE CARLUXE Drogenbos | - | - | 46.7% | - |
Grey: the largest companies of the sector (wholesale trade (NACE 46)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as NF ConsultXpert: agents specialised in the wholesale of other particular products (NACE 46180). They are comparable in size and age: total assets between €12,700 and €28,300, founded between 2023 and 2025.
Solvency fell in 2025 from 65.6% to 37.5% because of the loss.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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