Equity
€4,363 ▼ 3.4%
P4 CONSEILS paid out €16,000 in dividends. That is 101% of the 2025 profit.
P4 CONSEILS
Lifetime
6 annual accounts with figures on one time axispeak €40,910 (2022)
€23,283▲ 103%
peak €15,848 (2025)
€15,848▲ 141%
peak €21,186 (2022)
€4,363▼ 3.4%
€33,136▼ 23.1%
Board2 names since 2020
1 directorCALVAER Olivier Pascal Guy Cecile Victor
Documentsfilings and deeds
07-07-202624 days before the deadline
2025micro format
Gross margin from €11,464 to €23,283Result from €6,588 to €15,848Dividend €16,000Debts from €43,079 to €33,136Cash from €17,394 to €5,955
Key points
from the 2025 annual accountsDebts
€33,136 88% of the balance sheet
Suppliers 3%Taxes and wages 14%Other 83%
Position in the sector
€4,363
Less equity than 91% of companies in legal and accounting. Sector median €86,410 · 15,829 companies.
Checked score
92
Excellent
Financially stronger than 33% of micro companies in legal and accounting (NACE 69)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 20,103 companies (NACE 69, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: 0.1%▲ +0.1 percentage points vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: < 0.1%▼ -0.1 percentage points vs 06-2025lowest value
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: 0.1%▲ +0.1 percentage points vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026highest value
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Equity €4,363 (11.6% of total assets)
lowers risk
Sector: Legal and accounting activities (NACE 69)
Size: total assets €37,500
Figures for financial year 2025 (filed on 07-07-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 69, micro). It does better than 16% of them on solvency, 5% on liquidity, 82% on profitability and 29% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,713 companies had the same profile as P4 CONSEILS has now. Each dot stands for 17 companies, two years later.
95.8%
were still trading
2.2%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of P4 CONSEILS itself is lower: 0.1% within 12 months. It rests on far more data about P4 CONSEILS than the profile alone.
Test of the method
The method was tested on the 497,447 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 6,713 companies, not a prediction for P4 CONSEILS. 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.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 15824 sector peers (2025).
NBB · sector comparisonPosition among 15824 sector peers
Solvency
better than 14%
← 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 07-07-2026, 24 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
24 days early
2024
44 days early
2023
65 days early
2022
8 days late
2021
38 days early
2020
27 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 23 days before the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 23 June (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- CALVAER Olivier Pascal Guy Cecile Victor founderdeed of 28-01-2020
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0741985959
Resignation: Lionel Rosu (director)
Gazette deed
First establishment
Rue du Bailly 31, Esneux
Incorporation
Founder: CALVAER Olivier Pascal Guy Cecile Victor · Founding capital of €2,000, 100 shares · Appointments: CALVAER Olivier Pascal Guy Cecile Victor (director) and ROSU Lionel (director) · published on 28-01-2020 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| P4 CONSEILS Esneux | €37,500 | €23,283 | 11.6% | - |
| FIDUCIAIRE AUXILIA Herstal | €31,800 | €21,324 | 98.8% | - |
| JoKef Consulting Mortsel | €35,571 | €22,161 | 2.8% | - |
| GGEFISC Schaerbeek | €35,088 | €25,077 | 62.5% | - |
| MDS ACCOUNTING Wemmel | €30,883 | €23,181 | 8.4% | - |
| FISCALCY Aywaille | €42,531 | €17,504 | 94.4% | - |
| FISCALDO Perwez | €42,937 | €23,008 | 45.6% | - |
These companies have the same main activity as P4 CONSEILS: certified accountants and tax accountants (NACE 69201). They are comparable in size and age: total assets between €30,900 and €42,900, founded between 2018 and 2021.
Official details
Source: KBO- Status
- Active since 24-01-2020Normal situation
- Activity
- Certified accountants and tax accountantsNACE 69201
- Establishment unit
- 2.299.140.0254130 Esneux, since 13-02-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 25-08-2025
Annual accounts 2025
- ≈ €110,000estimated
- €37,500▼ 21.2%
- Employeeson 31-12-2025
- 0
- Filing
- Filed on 07-07-2026, 24 days before the end of the filing period
Insights on P4 CONSEILS
P4 CONSEILS files the micro format. That format states no turnover. The gross margin rose from €6,252 in 2020 to €23,283 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about P4 CONSEILS
- What is the company number of P4 CONSEILS?
- The company number of P4 CONSEILS is 0741.985.959. The VAT number is the same number with BE in front: BE 0741.985.959.
- Where is P4 CONSEILS based?
- The registered office is at Rue du Bailly 31, 4130 Esneux.Company details
- What does P4 CONSEILS do?
- According to the KBO register, the main activity is certified accountants and tax accountants (NACE 69201).
- What is the legal form of P4 CONSEILS?
- P4 CONSEILS is a private limited company (BV).
- When was P4 CONSEILS founded?
- P4 CONSEILS was founded on 24-01-2020.
- Is P4 CONSEILS still active?
- Yes, P4 CONSEILS is an active enterprise in the KBO register.
- How many employees does P4 CONSEILS have?
- P4 CONSEILS had an average of 1 full-time equivalents in financial year 2022, according to the filed annual accounts.Financials
- What is the turnover of P4 CONSEILS?
- The turnover in financial year 2025 is ≈ €110,000. This figure is estimated from the gross margin of €23,283 and 57 comparable companies (NACE 69201). It probably lies between €80,000 and €180,000. It is a rough estimate.
- Is P4 CONSEILS profitable?
- In financial year 2025, P4 CONSEILS made a profit of €15,848.
- Where can I find the annual accounts of P4 CONSEILS?
- P4 CONSEILS filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of P4 CONSEILS due?
- P4 CONSEILS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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