PBO CONSULTING
ActivePBO CONSULTING has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €31k and a net result of €8k. Equity is growing by ~62.4% per year across the filed fiscal years. Its solvency ranks better than 47% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▲+30
Solvency77▲+16
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.14 against 1.44 in 2024; short-term debt: 46.8% and cash: 9.3% of total assets), and 47.9% 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
52.1%
Return on assets
14.2%
Age of the figures
9 mo
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 28-05-2026, 64 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
64 d early
2024
65 d early
2023
22 d late
2022
25 d late
2021
30 d late
2020
30 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€31k▲ 37.6%
2024 · €22k
2020: €-542
2021: €-6k
2022: €4k
2023: €28k
2024: €22k
2020 → 2025
Total assets
€59k▼ 5.0%
2024 · €62k
2020: €54k
2021: €51k
2022: €43k
2023: €69k
2024: €62k
2020 → 2025
Net result
€8k
2024 · €-6k
2020: €-3k
2021: €-5k
2022: €10k
2023: €24k
2024: €-6k
2020 → 2025
Working capital
€31k▲ 77.7%
2024 · €18k
2020: €-13k
2021: €-17k
2022: €-7k
2023: €18k
2024: €18k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-6k-€4k€28k▲ 575%€22k▼ 20.9%€31k▲ 37.6%
Operating result€-5k-€11k€31k▲ 174%€-5k€10k
Net result€-5k-€10k€24k▲ 136%€-6k€8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €10k after a loss of €5k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €59k
Equity
€31k▲ 37.6%
Debt
€28k▼ 29.0%
The debt ratio falls from 64.0% to 47.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€14k▲
2024 · €5k
Cash flow
€13k▲
2024 · €4k
Solvency
52.1%▲
2024 · 36.0%
Current ratio
2.14▲
2024 · 1.44
Quick ratio
2.14▲
2024 · 1.44
Debt / equity
0.92▼
2024 · 1.78
ROE
27.3%▲
2024 · -26.5%
ROA
14.2%▲
2024 · -9.5%
Interest coverage
45.63▲
2024 · 18.26
Debt
€28k▼
2024 · €39k
Debt ≤ 1 year
€27k▼
2024 · €39k
Income taxes
€976▲
2024 · €128
Staff costs
€25k▼
2024 · €26k
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€62k€59k▼
Fixed assets21/28€5k€0▼
Tangible fixed assets22/27€5k€0▼
Furniture and vehicles24€5k€0▼
Current assets29/58€57k€59k▲
Amounts receivable within one year40/41€43k€51k▲
Trade receivables40€41k€51k▲
Other amounts receivable41€2k€0▼
Cash at bank and in hand54/58€12k€5k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€62k€59k▼
Equity10/15€22k€31k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€20k€28k▲
Amounts payable17/49€39k€28k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€39k€27k▼
Current portion of amounts payable after more than one year42€5k€0▼
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€26k€16k▼
Taxes450/3€8k€8k▼
Remuneration and social security454/9€18k€8k▼
Other amounts payable47/48€7k€10k▲
Accrued charges and deferred income492/3-€599
Income statement
Code20242025
Remuneration, social security and pensions62€26k€25k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€5k▼
Other operating charges640/8€2k€722▼
Gross operating margin9900€33k€40k▲
Operating profit (loss)9901€-5k€10k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€268€313▲
Recurring financial charges65€268€313▲
Profit (loss) for the period before taxes9903€-6k€9k▲
Income taxes67/77€128€976▲
Profit (loss) for the period9904€-6k€8k▲
Profit (loss) for the period to be appropriated9905€-6k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€28k▲
Profit (loss) brought forward from the previous period14P€26k€20k▼
The notes to these accounts (5 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
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
27-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-6k ▼125%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
31-12
Financial
Highest result since 2020net €24k ▲136%
Operating result €31k, net result €24k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.48
Current ratio from 0.71 to 1.48.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Soumagne · 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 Hotton(AYE) 164630 SoumagneGround area
1,083 m²
Building footprint
159 m²
Volume, LiDAR
1,156 m³
2 parcels, Wallonia · tallest building 11.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PBO Consulting
since 20202.300.443.288
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62008D0052/00D000 | Wallonia | 911 m² | - | - |
| 63035A0037/00E007 | Wallonia | 171 m² | 1 · 158 m² | 11.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 34,506 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-03-2020
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:philippebonsang@gmail.com
Phone:+32494705297