NOZI CONSULT
ActiveNOZI CONSULT has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €129k and a net result of €63k. Equity is growing by ~14.6% per year across the filed fiscal years. Its solvency ranks better than 47% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency81▼-9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 1.89 against 2.89 in 2024; short-term debt: 37.4% and cash: 40.6% of total assets), and 43.6% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
56.4%
Return on assets
27.4%
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 22-05-2026, 70 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
70 d early
2024
31 d early
2023
40 d early
2022
47 d early
2021
30 d early
2020
50 d early
2019
38 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€129k▼ 5.5%
2024 · €136k
2018: €37k
2019: €54k
2020: €87k
2021: €84k
2022: €98k
2023: €101k
2024: €136k
2018 → 2025
Total assets
€228k▲ 9.6%
2024 · €208k
2018: €75k
2019: €127k
2020: €156k
2021: €134k
2022: €129k
2023: €195k
2024: €208k
2018 → 2025
Net result
€63k▲ 5.6%
2024 · €59k
2018: €32k
2019: €18k
2020: €34k
2021: €35k
2022: €55k
2023: €52k
2024: €59k
2018 → 2025
Working capital
€76k▼ 8.5%
2024 · €83k
2018: €28k
2019: €39k
2020: €66k
2021: €48k
2022: €72k
2023: €50k
2024: €83k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€84k-€98k▲ 17.4%€101k▲ 2.1%€136k▲ 35.4%€129k▼ 5.5%
Operating result€44k-€71k▲ 60.5%€67k▼ 5.5%€70k▲ 5.1%€76k▲ 8.3%
Net result€35k-€55k▲ 56.2%€52k▼ 4.6%€59k▲ 13.7%€63k▲ 5.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 8% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €228k
Fixed assets
€67k▼ 17.7%
Current assets
€161k▲ 27.2%
Equity and liabilities €228k
Equity
€129k▼ 5.5%
Debt
€99k▲ 38.2%
The debt ratio rises from 34.6% to 43.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€100k▲
2024 · €93k
Cash flow
€86k▲
2024 · €82k
Solvency
56.4%▼
2024 · 65.4%
Current ratio
1.89▼
2024 · 2.89
Quick ratio
1.86▼
2024 · 2.84
Debt / equity
0.77▲
2024 · 0.53
ROE
48.6%▲
2024 · 43.5%
ROA
27.4%▼
2024 · 28.5%
Interest coverage
143.29▲
2024 · 103.51
Debt
€99k▲
2024 · €72k
Debt ≤ 1 year
€85k▲
2024 · €44k
Debt > 1 year
€14k▼
2024 · €28k
Income taxes
€17k▲
2024 · €15k
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€208k€228k▲
Fixed assets21/28€82k€67k▼
Tangible fixed assets22/27€82k€67k▼
Plant, machinery and equipment23€7k€9k▲
Furniture and vehicles24€2k€2k▲
Leasing and similar rights25€42k€29k▼
Other tangible fixed assets26€30k€27k▼
Financial fixed assets28€10€10=
Current assets29/58€127k€161k▲
Stocks and contracts in progress3€2k€3k▲
Stocks30/36€2k€3k▲
Amounts receivable within one year40/41€40k€26k▼
Trade receivables40€34k€22k▼
Other amounts receivable41€6k€4k▼
Current investments50/53€31k€24k▼
Cash at bank and in hand54/58€54k€93k▲
Deferred charges and accrued income490/1€569€16k▲
Equity and liabilities
Total equity and liabilities10/49€208k€228k▲
Equity10/15€136k€129k▼
Contributions10/11€19k€19k=
Reserves13€118k€110k▼
Distributable reserves133€118k€110k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€72k€99k▲
Amounts payable after more than one year17€28k€14k▼
Financial debts170/4€28k€14k▼
Amounts payable within one year42/48€44k€85k▲
Current portion of amounts payable after more than one year42€14k€14k▲
Trade debts44€4k€6k▲
Suppliers440/4€4k€6k▲
Taxes, remuneration and social security45€21k€12k▼
Taxes450/3€15k€12k▼
Remuneration and social security454/9€6k€0▼
Other amounts payable47/48€5k€53k▲
Accrued charges and deferred income492/3€2€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€23k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€96k€101k▲
Operating profit (loss)9901€70k€76k▲
Financial income75/76B€5k€4k▼
Recurring financial income75€5k€4k▼
Financial charges65/66B€895€695▼
Recurring financial charges65€895€695▼
Profit (loss) for the period before taxes9903€74k€79k▲
Income taxes67/77€15k€17k▲
Profit (loss) for the period9904€59k€63k▲
Profit (loss) for the period to be appropriated9905€59k€63k▲
Appropriation of the result
Profit (loss) to be appropriated9906€140k€63k▼
Profit (loss) brought forward from the previous period14P€80k€0▼
Transfer from equity791/2€24k€70k▲
Transfer to equity691/2€140k€63k▼
To other reserves6921€140k€63k▼
Profit to be distributed694/7€24k€70k▲
Return on contributions (dividend)694€24k€70k▲
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
22-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €63k ▲5.6%
Operating result €76k, net result €63k, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €101k ▲2.1%
6 profitable years in a row build equity to €101k.
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €18k ▼44.6%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB 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-Gillis-Waas · 1 establishment unit since 2017
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.
Puyveldestraat(SP) 299170 Sint-Gillis-WaasGround area
976 m²
Building footprint
125 m²
Parcel 46022B0828/00A000, Flanders. Linked by address, not a title deed.
1 establishment unit
NOZI CONSULT
since 20172.268.733.493
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46022B0828/00A000 | Flanders | 976 m² | 1 · 125 m² | - |
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
Food safety, FASFC
1 siteSint-Gillis-Waas2.268.733.493
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Of 29,992 companies in sector 62200 we hold annual accounts for 18,386. 15,433 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-10-2017
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.