P4 CONSEILS
ActiveP4 CONSEILS has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4k and a net result of €16k. Equity is shrinking by ~9.3% per year across the filed fiscal years. Its solvency ranks better than 15% of 12708 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+14
Solvency37▲+3
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Eight 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
11.6%
Return on assets
42.3%
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 15% of 12708 sector peers (2025).
NBB · sector comparisonPosition among 12708 sector peers
Solvency
better than 15%
← 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 d early
2024
44 d early
2023
65 d early
2022
8 d late
2021
38 d early
2020
27 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€4k▼ 3.4%
2024 · €5k
2020: €5k
2021: €14k
2022: €21k
2023: €5k
2024: €5k
2020 → 2025
Total assets
€37k▼ 21.2%
2024 · €48k
2020: €33k
2021: €46k
2022: €52k
2023: €49k
2024: €48k
2020 → 2025
Net result
€16k▲ 141%
2024 · €7k
2020: €4k
2021: €9k
2022: €8k
2023: €2k
2024: €7k
2020 → 2025
Working capital
€2k▲ 1.6%
2024 · €2k
2020: €5k
2021: €13k
2022: €20k
2023: €4k
2024: €2k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€14k-€21k▲ 55.6%€5k▼ 74.6%€5k▼ 16.0%€4k▼ 3.4%
Operating result€10k-€9k▼ 12.0%€4k▼ 49.9%€10k▲ 128%€22k▲ 117%
Net result€9k-€8k▼ 6.1%€2k▼ 71.4%€7k▲ 175%€16k▲ 141%
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 117% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €37k
Fixed assets
€2k▼ 9.0%
Current assets
€36k▼ 21.8%
Equity and liabilities €37k
Equity
€4k▼ 3.4%
Debt
€33k▼ 23.1%
The debt ratio falls from 90.5% to 88.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€23k▲
2024 · €11k
Cash flow
€17k▲
2024 · €8k
Solvency
11.6%▲
2024 · 9.5%
Current ratio
1.07▲
2024 · 1.06
Quick ratio
1.07▲
2024 · 1.06
Debt / equity
7.59▼
2024 · 9.54
ROE
363.2%▲
2024 · 145.9%
ROA
42.3%▲
2024 · 13.8%
Interest coverage
15.62▲
2024 · 10.11
Debt
€33k▼
2024 · €43k
Debt ≤ 1 year
€33k▼
2024 · €43k
Income taxes
€5k▲
2024 · €3k
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€48k€37k▼
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€2k▼
Furniture and vehicles24€2k€2k▼
Current assets29/58€45k€36k▼
Amounts receivable within one year40/41€26k€27k▲
Trade receivables40€6k€7k▲
Other amounts receivable41€20k€20k▲
Cash at bank and in hand54/58€17k€6k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€48k€37k▼
Equity10/15€5k€4k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€3k€2k▼
Amounts payable17/49€43k€33k▼
Amounts payable within one year42/48€43k€33k▼
Trade debts44€184€861▲
Suppliers440/4€184€861▲
Taxes, remuneration and social security45€5k€5k▲
Taxes450/3€5k€5k▲
Other amounts payable47/48€38k€28k▼
Income statement
Code20242025
Non-recurring operating income76A-€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Gross operating margin9900€11k€23k▲
Operating profit (loss)9901€10k€22k▲
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€9k€21k▲
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€7k€16k▲
Profit (loss) for the period to be appropriated9905€7k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€18k▲
Profit (loss) brought forward from the previous period14P€3k€3k▼
Profit to be distributed694/7€7k€16k▲
Return on contributions (dividend)694€7k€16k▲
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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €16k ▲141%
Operating result €22k, net result €16k, both a record.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €2k ▼71.4%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
Financial milestoneNBB 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, Esneux · 1 establishment unit since 2020
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.
Rue du Bailly 314130 EsneuxGround area
733 m²
Building footprint
66 m²
Parcel 62101B0122/00X002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue du Bailly 31, 4130 Esneux
since 20202.299.140.025
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62101B0122/00X002 | Wallonia | 733 m² | 1 · 66 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.
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Of 12,175 companies in sector 69201 we hold annual accounts for 7,638. 1,862 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-01-2020
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.