Payudar Consulting
ActivePayudar Consulting has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €90k and a net result of €52k. Equity is growing by ~9.6% per year across the filed fiscal years. Its solvency ranks better than 23% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (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
Profitability83=
Solvency45▼-24
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.49 against 2.16 in 2024; short-term debt: 30.6% and cash: 3.8% of total assets), and 80.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 →
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
19.6%
Return on assets
11.2%
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 23% of 31662 sector peers (2025).
NBB · sector comparisonPosition among 31662 sector peers
Solvency
better than 23%
← 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 21-03-2026, 132 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
132 d early
2024
134 d early
2023
127 d early
2022
142 d early
2021
64 d early
2020
65 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€90k▼ 48.2%
2024 · €174k
2020: €74k
2021: €130k
2022: €172k
2023: €229k
2024: €174k
2020 → 2025
Total assets
€459k▲ 16.4%
2024 · €394k
2020: €362k
2021: €401k
2022: €418k
2023: €434k
2024: €394k
2020 → 2025
Net result
€52k▲ 13.8%
2024 · €45k
2020: €71k
2021: €58k
2022: €43k
2023: €59k
2024: €45k
2020 → 2025
Working capital
€-71k
2024 · €40k
2020: €-10k
2021: €34k
2022: €60k
2023: €115k
2024: €40k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€130k-€172k▲ 31.6%€229k▲ 33.2%€174k▼ 23.9%€90k▼ 48.2%
Operating result€78k-€59k▼ 24.4%€78k▲ 32.4%€65k▼ 16.4%€78k▲ 19.5%
Net result€58k-€43k▼ 26.1%€59k▲ 36.8%€45k▼ 22.8%€52k▲ 13.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 20% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €459k
Fixed assets
€390k▲ 21.7%
Current assets
€69k▼ 6.6%
Equity and liabilities €459k
Equity
€90k▼ 48.2%
Debt
€369k▲ 67.3%
The debt ratio rises from 55.9% to 80.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€109k▲
2024 · €85k
Cash flow
€83k▲
2024 · €66k
Solvency
19.6%▼
2024 · 44.1%
Current ratio
0.49▼
2024 · 2.16
Quick ratio
0.49▼
2024 · 2.16
Debt / equity
4.09▲
2024 · 1.27
ROE
57.1%▲
2024 · 26.0%
ROA
11.2%▼
2024 · 11.5%
Interest coverage
17.04▼
2024 · 18.03
Debt
€369k▲
2024 · €220k
Debt ≤ 1 year
€141k▲
2024 · €34k
Debt > 1 year
€228k▲
2024 · €186k
Income taxes
€20k▲
2024 · €17k
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€394k€459k▲
Fixed assets21/28€320k€390k▲
Tangible fixed assets22/27€320k€390k▲
Land and buildings22€277k€358k▲
Furniture and vehicles24€43k€32k▼
Current assets29/58€74k€69k▼
Amounts receivable within one year40/41€23k€29k▲
Trade receivables40€21k€16k▼
Other amounts receivable41€3k€12k▲
Cash at bank and in hand54/58€24k€17k▼
Deferred charges and accrued income490/1€27k€23k▼
Equity and liabilities
Total equity and liabilities10/49€394k€459k▲
Equity10/15€174k€90k▼
Contributions10/11€5k€5k=
Reserves13€169k€85k▼
Distributable reserves133€169k€85k▼
Amounts payable17/49€220k€369k▲
Amounts payable after more than one year17€186k€228k▲
Financial debts170/4€186k€228k▲
Amounts payable within one year42/48€34k€141k▲
Current portion of amounts payable after more than one year42€24k€30k▲
Financial debts43€7k€7k▲
Credit institutions430/8€7k€7k▲
Trade debts44€234€464▲
Suppliers440/4€234€464▲
Taxes, remuneration and social security45€3k€3k▼
Taxes450/3€3k€3k▼
Other amounts payable47/48€32€100k▲
Income statement
Code20242025
Non-recurring operating income76A€3k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€31k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€3k
Other operating charges640/8€3k€3k▲
Gross operating margin9900€88k€116k▲
Operating profit (loss)9901€65k€78k▲
Financial income75/76B€2k€265▼
Recurring financial income75€2k€265▼
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€63k€72k▲
Income taxes67/77€17k€20k▲
Profit (loss) for the period9904€45k€52k▲
Profit (loss) for the period to be appropriated9905€45k€52k▲
Appropriation of the result
Profit (loss) to be appropriated9906€45k€52k▲
Transfer from equity791/2€100k€84k▼
Transfer to equity691/2€45k-
To other reserves6921€45k-
Profit to be distributed694/7€100k€135k▲
Return on contributions (dividend)694€100k€135k▲
The notes to these accounts (6 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
21-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 5.14
Current ratio from 2.18 to 5.14; short-term debt falls from €51k to €28k.
31-12
Financial
Equity above €200kEq €229k ▲33.2%
4 profitable years in a row build equity to €229k.
11-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €43k ▼26.1%
Net result drops to €43k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €172k ▲31.6%
3 profitable years in a row build equity to €172k.
28-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €130k ▲76.2%
2 profitable years in a row build equity to €130k.
27-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
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, Kortrijk · 1 establishment unit since 2019
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.
Zusters Lovelingstraat(Mar) 288510 KortrijkGround area
1,318 m²
Building footprint
143 m²
Volume, LiDAR
639 m³
Parcel 34026B0386/00N002, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Zusters Lovelingstraat(Mar) 28, 8510 Kortrijk
since 20192.289.557.316
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34026B0386/00N002 | Flanders | 1,318 m² | 1 · 142 m² | 7.2 m · 2 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 367 EUR awarded · 367 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 140 EUR | 140 EUR |
| 2023 | 1 | 227 EUR | 227 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 40,450 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-05-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
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.