PFS-CONSULT
ActiveThe annual accounts of PFS-CONSULT for fiscal year 2025 show a net loss of 178% of total assets and of 67% of the equity at the start of that year. The 2025 annual accounts show equity of €13k and a net result of €-26k. Equity is shrinking by ~38.8% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 86% of 31662 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 6.33 against 47.28 in 2024; short-term debt: 11.5% and cash: 30.9% of total assets), and 11.5% 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
88.5%
Return on assets
-178.5%
Age of the figures
9 mo
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
2122232425
2021 to 2025 · latest year €-26k
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 05-06-2026, 56 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
56 d early
2024
48 d early
2023
34 d early
2022
28 d late
2021
30 d late
2020
81 d late
2019
15 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
€13k▼ 66.8%
2024 · €39k
2021: €25k
2022: €75k
2023: €63k
2024: €39k
2021 → 2025
Total assets
€15k▼ 63.2%
2024 · €40k
2021: €32k
2022: €92k
2023: €66k
2024: €40k
2021 → 2025
Net result
€-26k▼ 9.0%
2024 · €-24k
2021: €-20k
2022: €50k
2023: €-12k
2024: €-24k
2021 → 2025
Working capital
€9k▼ 72.9%
2024 · €33k
2021: €15k
2022: €72k
2023: €55k
2024: €33k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€75k▲ 201%€63k▼ 16.3%€39k▼ 38.0%€13k▼ 66.8%
Operating result€-20k-€61k€-12k€-24k▼ 97.5%€-26k▼ 9.0%
Net result€-20k-€50k€-12k€-24k▼ 95.7%€-26k▼ 9.0%
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 €26k in 2025 against €24k 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 €15k
Fixed assets
€4k▼ 34.0%
Current assets
€11k▼ 68.5%
Equity and liabilities €15k
Equity
€13k▼ 66.8%
Debt
€2k▲ 135%
The debt ratio rises from 1.8% to 11.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-24k▼
2024 · €-21k
Cash flow
€-24k▼
2024 · €-22k
Solvency
88.5%▼
2024 · 98.2%
Current ratio
6.33▼
2024 · 47.28
Quick ratio
6.33▼
2024 · 47.28
Debt / equity
0.13▲
2024 · 0.02
ROE
-201.6%▼
2024 · -61.3%
ROA
-178.5%▼
2024 · -60.2%
Interest coverage
-151.70▲
2024 · -157.40
Debt
€2k▲
2024 · €713
Debt ≤ 1 year
€2k▲
2024 · €713
Income taxes
€154▲
2024 · €147
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€40k€15k▼
Fixed assets21/28€6k€4k▼
Tangible fixed assets22/27€6k€4k▼
Furniture and vehicles24€483€0▼
Other tangible fixed assets26€6k€4k▼
Current assets29/58€34k€11k▼
Amounts receivable within one year40/41€3k€5k▲
Other amounts receivable41€3k€5k▲
Cash at bank and in hand54/58€31k€5k▼
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€40k€15k▼
Equity10/15€39k€13k▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€33k€7k▼
Amounts payable17/49€713€2k▲
Amounts payable within one year42/48€713€2k▲
Financial debts43€134€75▼
Credit institutions430/8€134€75▼
Trade debts44€432€569▲
Suppliers440/4€432€569▲
Taxes, remuneration and social security45€147€154▲
Taxes450/3€147€154▲
Other amounts payable47/48€0€882▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€300€1k▲
Gross operating margin9900€-21k€-23k▼
Operating profit (loss)9901€-24k€-26k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€135€157▲
Recurring financial charges65€135€157▲
Profit (loss) for the period before taxes9903€-24k€-26k▼
Income taxes67/77€147€154▲
Profit (loss) for the period9904€-24k€-26k▼
Profit (loss) for the period to be appropriated9905€-24k€-26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€33k€7k▼
Profit (loss) brought forward from the previous period14P€57k€33k▼
The notes to these accounts (16 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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-26k
Net result drops to €-26k, the lowest in the series.
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 47.28
Current ratio from 22.24 to 47.28; short-term debt falls from €3k to €713.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 22.24
Current ratio from 6.60 to 22.24; short-term debt falls from €13k to €3k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Back to profitnet €50k
Net result €50k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 6.60
Current ratio from 3.09 to 6.60.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
20-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 81 days late
2020
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
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, Beersel · 1 establishment unit since 2018
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.
Lotsesteenweg 221653 BeerselGround area
2,066 m²
Building footprint
329 m²
Volume, LiDAR
2,652 m³
2 parcels, Flanders · tallest building 14.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Nieuwstraat 2, 1620 Drogenbos
since 20182.282.675.462
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23017C0332/00S000 | Flanders | 1,748 m² | 1 · 101 m² | 0.1 m |
| 22001B0229/00L000 | Flanders | 318 m² | 1 · 227 m² | 14.1 m · 4 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 82,569 companies in sector 70200 we hold annual accounts for 52,573. 25,834 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-12-2018
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.