NL Consult
ActiveSummary
NL Consult has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €619k and a net result of €-40k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 17% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability49▼-11
Solvency36▼-2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity short (current ratio 0.13 against 0.23 in 2024; short-term debt: 34.6% and cash: 0.3% of total assets), and 88.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
11.3%
Return on assets
-0.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 17%
← weakest
strongest →
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
28 d early
2023
68 d late
2022
31 d late
2021
78 d late
2020
89 d late
2019
88 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€619k▼ 6.1%
2024 · €660k
2018: €549k
2019: €692k
2020: €742k
2021: €595k
2022: €650k
2023: €657k
2024: €660k
2018 → 2025
Total assets
€5.49M▲ 5.6%
2024 · €5.19M
2018: €2.02M
2019: €2.00M
2020: €2.01M
2021: €5.16M
2022: €5.46M
2023: €5.13M
2024: €5.19M
2018 → 2025
Net result
€-40k
2024 · €2k
2018: €118k
2019: €143k
2020: €50k
2021: €-147k
2022: €55k
2023: €7k
2024: €2k
2018 → 2025
Working capital
€-1.65M▼ 168%
2024 · €-617k
2018: €-101k
2019: €-40k
2020: €-25k
2021: €-120k
2022: €73k
2023: €-43k
2024: €-617k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€595k-€650k▲ 9.2%€657k▲ 1.1%€660k▲ 0.4%€619k▼ 6.1%
Operating result€-115k-€139k€63k▼ 54.4%€140k▲ 121%€21k▼ 85.4%
Net result€-147k-€55k€7k▼ 86.5%€2k▼ 67.2%€-40k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 85% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.49M
Fixed assets
€5.24M ▲ 4.6%
Current assets
€245k ▲ 32.2%
Equity and liabilities €5.49M
Equity
€619k ▼ 6.1%
Provisions
€59k =
Debt
€4.81M ▲ 7.4%
Debt's share of the balance-sheet total rises from 86.2% to 87.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€219k▼
2024 · €288k
Cash flow
€158k▲
2024 · €150k
Current ratio
0.13▼
2024 · 0.23
Debt to equity
7.76▲
2024 · 6.79
ROE
-6.5%▼
2024 · 0.4%
ROA
-0.7%▼
2024 · 0.0%
Interest coverage
3.69▼
2024 · 4.89
Debt ≤ 1 year
€1.90M▲
2024 · €802k
Debt > 1 year
€2.89M▼
2024 · €3.65M
Income taxes
€3k▼
2024 · €87k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€5.19M€5.49M▲
Fixed assets21/28€5.01M€5.24M▲
Tangible fixed assets22/27€5.01M€5.24M▲
Land and buildings22€4.79M€4.95M▲
Plant, machinery and equipment23€6k€6k▲
Furniture and vehicles24€167k€239k▲
Other tangible fixed assets26€47k€47k=
Financial fixed assets28€4k€2k▼
Current assets29/58€185k€245k▲
Amounts receivable within one year40/41€86k€140k▲
Trade receivables40€15k€23k▲
Other amounts receivable41€71k€116k▲
Current investments50/53€68k€69k▲
Cash at bank and in hand54/58€12k€16k▲
Deferred charges and accrued income490/1€19k€21k▲
Equity and liabilities
Total equity and liabilities10/49€5.19M€5.49M▲
Equity10/15€660k€619k▼
Contributions10/11€19k€19k=
Reserves13€608k€608k=
Distributable reserves133€608k€608k=
Profit (loss) carried forward14€33k€-7k▼
Provisions and deferred taxes16€59k€59k=
Provisions for liabilities and charges160/5€59k€59k=
Pensions and similar obligations160€59k€59k=
Amounts payable17/49€4.48M€4.81M▲
Amounts payable after more than one year17€3.65M€2.89M▼
Financial debts170/4€2.68M€1.60M▼
Other amounts payable178/9€968k€1.29M▲
Amounts payable within one year42/48€802k€1.90M▲
Current portion of amounts payable after more than one year42€157k€1.18M▲
Trade debts44€20k€32k▲
Suppliers440/4€20k€32k▲
Taxes, remuneration and social security45€34k€30k▼
Taxes450/3€34k€30k▼
Other amounts payable47/48€591k€654k▲
Accrued charges and deferred income492/3€22k€23k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€148k€198k▲
Other operating charges640/8€22k€19k▼
Non-recurring operating charges66A-€0
Gross operating margin9900€309k€238k▼
Operating profit (loss)9901€140k€21k▼
Financial income75/76B€8k€1k▼
Recurring financial income75€8k€1k▼
Financial charges65/66B€59k€59k▲
Recurring financial charges65€59k€59k▲
Profit (loss) for the period before taxes9903€90k€-38k▼
Income taxes67/77€87k€3k▼
Profit (loss) for the period9904€2k€-40k▼
Profit (loss) for the period to be appropriated9905€2k€-40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€-7k▼
Profit (loss) brought forward from the previous period14P€33k€33k=
Transfer to equity691/2€2k€0▼
To other reserves6921€2k€0▼
The notes to these accounts (14 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
20-07
State Gazette act
Incorporation · Founder
Founding capital · Share issue
17-07
State Gazette act
Incorporation · Founder
Founding capital · Corporate purpose
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €55k
Net result €55k after one loss-making year.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
31-12
Financial
Weakest financial yearnet €-147k ▼395%
Net result drops to €-147k, the lowest in the series; recovery starts the following year.
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
2019
31-12
Financial
Highest result since 2018net €143k ▲21.4%
Operating result €239k, net result €143k, both a record.
Show earlier events
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Sint-Martens-Latem · 1 establishment unit since 2009
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.
Pijkenaas 69830 Sint-Martens-LatemGround area
3,277 m²
Building footprint
319 m²
Volume, LiDAR
2,038 m³
Parcel 44064A0044/00G002, Flanders · tallest building 12.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NL Consult
since 20092.184.246.691
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44064A0044/00G002 | Flanders | 3,277 m² | 1 · 319 m² | 12.4 m · 2 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.
Structure & network
Recognitions · licences · registrations
Legal Entity Identifier
967600ZSHY32E2WLKR87
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 32,786 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-12-2009
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.