PL - CONSULTING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €146k and a net result of €17k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 56% of 8018 sector peers (fiscal year 2025). The company has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €146k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 10-12-2025, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
50 d early
2023
2 d early
2022
6 d early
2021
5 d early
2020
2 d early
2019
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€146k▲ 13.1%
2024 · €129k
2019: €138k
2020: €138k
2021: €127k
2022: €100k
2023: €105k
2024: €129k
2019 → 2025
Net result
€17k▼ 29.1%
2024 · €24k
2019: €4k
2020: €-11k
2021: €-11k
2022: €-19k
2023: €5k
2024: €24k
2019 → 2025
Total assets
€246k▲ 2.0%
2024 · €242k
2019: €262k
2020: €284k
2021: €284k
2022: €237k
2023: €225k
2024: €242k
2019 → 2025
Solvency
59.2%▲ 5.8pp
2024 · 53.4%
2019: 52.5%
2020: 48.5%
2021: 44.6%
2022: 42.4%
2023: 46.7%
2024: 53.4%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€127k-€100k▼ 20.8%€105k▲ 5.0%€129k▲ 22.6%€146k▲ 13.1%
Operating result€-7k-€-19k▼ 173%€6k€33k▲ 476%€34k▲ 2.9%
Net result€-11k-€-19k▼ 73.1%€5k€24k▲ 377%€17k▼ 29.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 3% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €246k
Fixed assets
€64k▼ 13.9%
Current assets
€183k▲ 8.9%
Equity and liabilities €246k
Equity
€146k▲ 13.1%
Debt
€100k▼ 10.8%
The debt ratio falls from 46.6% to 40.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
59.2%▲
2024 · 53.4%
ROE
11.6%▼
2024 · 18.5%
ROA
6.9%▼
2024 · 9.9%
Debt
€100k▼
2024 · €113k
Debt ≤ 1 year
€100k▼
2024 · €112k
Income taxes
€9k▲
2024 · €9k
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€242k€246k▲
Fixed assets21/28€74k€64k▼
Tangible fixed assets22/27€74k€64k▼
Land and buildings22€70k€64k▼
Furniture and vehicles24€4k€0▼
Current assets29/58€168k€183k▲
Amounts receivable within one year40/41€144k€175k▲
Other amounts receivable41€144k€175k▲
Cash at bank and in hand54/58€24k€8k▼
Deferred charges and accrued income490/1€364€410▲
Equity and liabilities
Total equity and liabilities10/49€242k€246k▲
Equity10/15€129k€146k▲
Contributions10/11€62k€62k=
Reserves13€67k€84k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€67k€84k▲
Amounts payable17/49€113k€100k▼
Amounts payable within one year42/48€112k€100k▼
Trade debts44€52€902▲
Suppliers440/4€52€902▲
Taxes, remuneration and social security45€9k€5k▼
Taxes450/3€9k€5k▼
Other amounts payable47/48€102k€94k▼
Accrued charges and deferred income492/3€1k€900▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€10k▲
Other operating charges640/8€4k€3k▼
Gross operating margin9900€44k€47k▲
Operating profit (loss)9901€33k€34k▲
Financial charges65/66B€35€7k▲
Recurring financial charges65€35€7k▲
Profit (loss) for the period before taxes9903€33k€26k▼
Income taxes67/77€9k€9k▲
Profit (loss) for the period9904€24k€17k▼
Profit (loss) for the period to be appropriated9905€24k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€17k▼
Transfer to equity691/2€24k€17k▼
To other reserves6921€24k€17k▼
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
2025
10-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
12-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Highest result since 2019net €24k ▲377%
Net result €24k, the highest in the series.
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Back to profitnet €5k
Net result €5k after 3 loss-making years.
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Weakest financial yearnet €-19k
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
28-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
02-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
25-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Lievegem · 1 establishment unit since 1998
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.
Parklaan(RON) 169932 LievegemGround area
1,557 m²
Building footprint
182 m²
Volume, LiDAR
1,167 m³
Parcel 44057A0482/00V002, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Parklaan(RON) 16, 9932 Lievegem
since 19982.085.459.022
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44057A0482/00V002 | Flanders | 1,557 m² | 1 · 182 m² | 8.8 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.
Similar companies · same sector, comparable size
De Baets Finance
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Oak Advisers
BE 1007.397.062
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ANCEW
BE 1001.909.238
Antwerpen · Eq €141k
JLK FINANCES
BE 0765.242.205
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MERCURIUS CONSULTING
BE 0799.731.940
Ukkel · Eq €140k
Of 807 companies in sector 64999 we hold annual accounts for 484. 324 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-1998
Fiscal year end30-06
Activities, NACEBEL
64999Other financial services
65236
Sources
Crossroads Bank for EnterprisesNational Bank · 27 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.