P & C Consult
ActiveSummary
P & C Consult has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €586k and a net result of €-80k. Equity is growing by ~37.1% per year across the filed fiscal years. Its solvency ranks better than 71% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability6▼-23
Solvency100=
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 0.09 against 0.29 in 2024; short-term debt: 21.7% and cash: 1% of total assets), and 24.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-80k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
21 d late
2024
40 d early
2023
7 d early
2022
24 d late
2021
33 d early
2020
11 d late
2019
7 d early
← 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
€586k▼ 11.5%
2024 · €662k
2018: €64k
2019: €144k
2020: €188k
2021: €188k
2022: €698k
2023: €684k
2024: €662k
2018 → 2025
Total assets
€772k▼ 9.5%
2024 · €853k
2018: €358k
2019: €358k
2020: €331k
2021: €1.02M
2022: €967k
2023: €936k
2024: €853k
2018 → 2025
Net result
€-80k▼ 258%
2024 · €-22k
2018: €13k
2019: €82k
2020: €45k
2021: €5k
2022: €510k
2023: €-14k
2024: €-22k
2018 → 2025
Working capital
€-153k▼ 36.4%
2024 · €-112k
2018: €-108k
2019: €-15k
2020: €29k
2021: €-637k
2022: €-110k
2023: €-108k
2024: €-112k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€188k-€698k▲ 270%€684k▼ 2.0%€662k▼ 3.3%€586k▼ 11.5%
Operating result€28k-€10k▼ 66.1%€-3k€-8k▼ 138%€-68k▼ 777%
Net result€5k-€510k▲ 10,121%€-14k€-22k▼ 55.8%€-80k▼ 258%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €68k in 2025 against €8k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €772k
Fixed assets
€757k ▼ 6.3%
Current assets
€15k ▼ 66.8%
Equity and liabilities €772k
Equity
€586k ▼ 11.5%
Debt
€186k ▼ 2.6%
Debt's share of the balance-sheet total rises from 22.4% to 24.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-36k▼
2024 · €24k
Cash flow
€-47k▼
2024 · €10k
Current ratio
0.09▼
2024 · 0.29
Debt to equity
0.32▲
2024 · 0.29
ROE
-13.6%▼
2024 · -3.4%
ROA
-10.3%▼
2024 · -2.6%
Interest coverage
-2.55▼
2024 · 1.61
Debt ≤ 1 year
€168k▲
2024 · €157k
Debt > 1 year
€18k▼
2024 · €34k
Income taxes
€4k▲
2024 · €-628
Staff costs
€8k▲
2024 · €8k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€853k€772k▼
Formation expenses20€0€0=
Fixed assets21/28€808k€757k▼
Tangible fixed assets22/27€777k€745k▼
Land and buildings22€777k€745k▼
Furniture and vehicles24€372€7▼
Financial fixed assets28€31k€13k▼
Current assets29/58€45k€15k▼
Amounts receivable within one year40/41€15k€6k▼
Trade receivables40€15k€6k▼
Cash at bank and in hand54/58€29k€8k▼
Deferred charges and accrued income490/1€453€1k▲
Equity and liabilities
Total equity and liabilities10/49€853k€772k▼
Equity10/15€662k€586k▼
Contributions10/11€19k€19k=
Reserves13€650k€654k▲
Tax-exempt reserves132-€635k
Distributable reserves133€650k€19k▼
Profit (loss) carried forward14€-7k€-86k▼
Amounts payable17/49€191k€186k▼
Amounts payable after more than one year17€34k€18k▼
Financial debts170/4€34k€18k▼
Amounts payable within one year42/48€157k€168k▲
Current portion of amounts payable after more than one year42€16k€16k=
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€7k€8k▲
Taxes450/3€7k€4k▼
Remuneration and social security454/9-€4k
Other amounts payable47/48€132k€140k▲
Income statement
Code20242025
Remuneration, social security and pensions62€8k€8k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€32k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€37k€-23k▼
Operating profit (loss)9901€-8k€-68k▼
Financial income75/76B€76€7k▲
Recurring financial income75€76€7k▲
Financial charges65/66B€15k€14k▼
Recurring financial charges65€15k€14k▼
Profit (loss) for the period before taxes9903€-23k€-76k▼
Income taxes67/77€-628€4k▲
Profit (loss) for the period9904€-22k€-80k▼
Profit (loss) for the period to be appropriated9905€-22k€-80k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-86k▼
Profit (loss) brought forward from the previous period14P€16k€-7k▼
The notes to these accounts (10 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
31-12
Financial
Weakest financial yearnet €-80k
Net result drops to €-80k, the lowest in the series.
21-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Highest result since 2018net €510k ▲10121%
Net result €510k, the highest in the series.
31-12
Financial
Equity above €500kEq €698k ▲270%
5 profitable years in a row build equity to €698k.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
16-05
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
2021
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 1.87
Current ratio from 0.80 to 1.87; short-term debt falls from €76k to €34k.
31-12
Financial
Equity above €150kEq €188k ▲30.4%
3 profitable years in a row build equity to €188k.
Show earlier events
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100kEq €144k ▲126%
2 profitable years in a row build equity to €144k.
31-10
State Gazette act
Merger · Share issue
Accounting effect · Capital
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
09-05
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
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
2 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, Assenede · 1 establishment unit since 2004
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.
Trieststraat 299960 AssenedeGround area
1,081 m²
Building footprint
619 m²
Volume, LiDAR
5,613 m³
Parcel 43002E1190/00N000, Flanders · tallest building 13.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
P & C CONSULT
since 20042.138.736.271
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43002E1190/00N000 | Flanders | 1,081 m² | 1 · 619 m² | 13.2 m · 3 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
Ownership & control
2 board mandatesBoard mandates of this companythis company sits on their board2
2 locations
1 location
Recognitions · licences · registrations
Legal Entity Identifier
967600Q48FHQZJ1RXO09
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 33,323 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
Founded23-06-2004
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:patrick.coryn@skynet.be
Phone:09/378 51 36