NPL CONSULT
ActiveNPL CONSULT has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €230k and a net result of €72k. Equity is growing by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 36% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+37
Solvency82▼-12
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 12.2 against 3.42 in 2024), but 61.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
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
38.5%
Return on assets
12%
Age of the figures
14 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-01-2026, 26 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
26 d early
2024
42 d early
2023
42 d early
2022
5 d early
2021
25 d early
2020
45 d early
2019
22 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close14-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€230k▲ 2.8%
2024 · €224k
2019: €175k
2020: €186k
2021: €233k
2022: €191k
2023: €221k
2024: €224k
2019 → 2025
Total assets
€598k▲ 30.1%
2024 · €460k
2019: €187k
2020: €328k
2021: €468k
2022: €556k
2023: €478k
2024: €460k
2019 → 2025
Net result
€72k▲ 153%
2024 · €28k
2019: €12k
2020: €10k
2021: €47k
2022: €33k
2023: €30k
2024: €28k
2019 → 2025
Working capital
€534k▲ 282%
2024 · €140k
2019: €139k
2020: €149k
2021: €189k
2022: €144k
2023: €161k
2024: €140k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€233k-€191k▼ 17.9%€221k▲ 15.8%€224k▲ 1.1%€230k▲ 2.8%
Operating result€80k-€54k▼ 32.4%€51k▼ 5.6%€45k▼ 11.5%€106k▲ 134%
Net result€47k-€33k▼ 30.0%€30k▼ 9.0%€28k▼ 6.0%€72k▲ 153%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 134% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €598k
Fixed assets
€16k▼ 94.0%
Current assets
€582k▲ 194%
Equity and liabilities €598k
Equity
€230k▲ 2.8%
Provisions
€13k
Debt
€354k▲ 50.4%
The debt ratio rises from 51.3% to 59.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€109k▲
2024 · €57k
Cash flow
€75k▲
2024 · €40k
Solvency
38.5%▼
2024 · 48.7%
Current ratio
12.20▲
2024 · 3.42
Quick ratio
12.20▲
2024 · 3.42
Debt / equity
1.54▲
2024 · 1.05
ROE
31.2%▲
2024 · 12.7%
ROA
12.0%▲
2024 · 6.2%
Interest coverage
23.80▲
2024 · 16.30
Debt
€354k▲
2024 · €236k
Debt ≤ 1 year
€48k▼
2024 · €58k
Debt > 1 year
€307k▲
2024 · €178k
Income taxes
€18k▲
2024 · €15k
Staff costs
€63k▼
2024 · €90k
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€460k€598k▲
Fixed assets21/28€262k€16k▼
Tangible fixed assets22/27€262k€16k▼
Land and buildings22€248k-
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€11k€14k▲
Current assets29/58€198k€582k▲
Amounts receivable within one year40/41€29k€517k▲
Trade receivables40€25k€517k▲
Other amounts receivable41€3k€107▼
Current investments50/53€100k-
Cash at bank and in hand54/58€63k€46k▼
Deferred charges and accrued income490/1€6k€19k▲
Equity and liabilities
Total equity and liabilities10/49€460k€598k▲
Equity10/15€224k€230k▲
Reserves13€224k€230k▲
Tax-exempt reserves132-€54k
Distributable reserves133€224k€177k▼
Provisions and deferred taxes16-€13k
Deferred taxes168-€13k
Amounts payable17/49€236k€354k▲
Amounts payable after more than one year17€178k€307k▲
Financial debts170/4€178k€157k▼
Other amounts payable178/9-€150k
Amounts payable within one year42/48€58k€48k▼
Current portion of amounts payable after more than one year42€23k€23k▲
Trade debts44€433€169▼
Suppliers440/4€433€169▼
Taxes, remuneration and social security45€34k€23k▼
Taxes450/3€27k€9k▼
Remuneration and social security454/9€7k€14k▲
Other amounts payable47/48€1k€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€90k€63k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€3k▼
Other operating charges640/8€4k€2k▼
Gross operating margin9900€152k€173k▲
Operating profit (loss)9901€45k€106k▲
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€43k€103k▲
Transfer to deferred taxes680-€13k
Income taxes67/77€15k€18k▲
Profit (loss) for the period9904€28k€72k▲
Transfer to tax-exempt reserves689-€54k
Profit (loss) for the period to be appropriated9905€28k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€28k€18k▼
Transfer from equity791/2€27k€66k▲
Transfer to equity691/2€28k€18k▼
To other reserves6921€28k€18k▼
Profit to be distributed694/7€27k€66k▲
Return on contributions (dividend)694€27k€66k▲
The notes to these accounts (7 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
05-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €72k ▲153%
Operating result €106k, net result €72k, both a record.
30-06
Financial
Liquidity quadruplescurrent ratio 12.20
Current ratio from 3.42 to 12.20; short-term debt falls from €58k to €48k.
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
20-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Equity above €200kEq €221k ▲15.8%
5 profitable years in a row build equity to €221k.
26-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €200kEq €233k ▲25.5%
3 profitable years in a row build equity to €233k.
2020
17-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Weakest financial yearnet €10k ▼10.9%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
09-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
08-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
24-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
09-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Antwerpen · 1 establishment unit since 2013
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.
Kattendijkdok-Oostkaai 602000 AntwerpenGround area
1.2 ha
Building footprint
3,038 m²
Volume, LiDAR
17,652 m³
Parcel 11807G0154/00S004, Flanders · tallest building 75.4 m. Linked by address, not a title deed.
1 establishment unit
NPL CONSULT
since 20132.223.819.723
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11807G0154/00S004 | Flanders | 1.2 ha | 1 · 3,038 m² | 75.4 m |
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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 74 EUR awarded · 74 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 74 EUR | 74 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 39,142 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-10-2013
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:03/226.38.97