RISK CONSULT
ActiveSummary
RISK CONSULT has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €119k and a net result of €1k. Equity is shrinking by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability20▼-60
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
short-term debt: 0.7% and cash: 6.1% of total assets, and 0.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers 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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
99.3%
Return on assets
1.2%
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
28 d early
2023
2 d early
2022
60 d early
2021
30 d early
2020
15 d early
2019
27 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€119k▲ 1.2%
2024 · €118k
2018: €147k
2019: €163k
2020: €182k
2021: €168k
2022: €154k
2023: €122k
2024: €118k
2018 → 2025
Total assets
€120k▼ 10.4%
2024 · €134k
2018: €161k
2019: €169k
2020: €190k
2021: €204k
2022: €196k
2023: €174k
2024: €134k
2018 → 2025
Net result
€1k▼ 88.1%
2024 · €12k
2018: €32k
2019: €16k
2020: €19k
2021: €16k
2022: €16k
2023: €19k
2024: €12k
2018 → 2025
Working capital
€119k▲ 1.7%
2024 · €117k
2018: €126k
2019: €149k
2020: €179k
2021: €167k
2022: €152k
2023: €121k
2024: €117k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€168k-€154k▼ 8.4%€122k▼ 21.1%€118k▼ 3.1%€119k▲ 1.2%
Operating result€19k-€22k▲ 13.1%€24k▲ 10.4%€14k▼ 41.9%€-723
Net result€16k-€16k▼ 1.3%€19k▲ 22.3%€12k▼ 37.2%€1k▼ 88.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €723 after €14k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €120k
Fixed assets
€712 ▼ 44.8%
Current assets
€120k ▼ 10.1%
Equity and liabilities €120k
Equity
€119k ▲ 1.2%
Debt
€880 ▼ 94.6%
Debt's share of the balance-sheet total falls from 12.2% to 0.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€-146▼
2024 · €15k
Cash flow
€2k▼
2024 · €13k
Debt to equity
0.01▼
2024 · 0.14
ROE
1.2%▼
2024 · 10.4%
ROA
1.2%▼
2024 · 9.1%
Interest coverage
-0.50▼
2024 · 42.22
Debt ≤ 1 year
€880▼
2024 · €16k
Income taxes
€667▼
2024 · €6k
A ratio outside any meaningful range has been withheld (balance sheet total €120k, equity €119k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€134k€120k▼
Fixed assets21/28€1k€712▼
Tangible fixed assets22/27€989€412▼
Furniture and vehicles24€989€412▼
Financial fixed assets28€300€300=
Current assets29/58€133k€120k▼
Amounts receivable after more than one year29€120k€110k▼
Other amounts receivable291€120k€110k▼
Amounts receivable within one year40/41€6k€2k▼
Other amounts receivable41€6k€2k▼
Cash at bank and in hand54/58€7k€7k▲
Deferred charges and accrued income490/1€300-
Equity and liabilities
Total equity and liabilities10/49€134k€120k▼
Equity10/15€118k€119k▲
Contributions10/11€19k€19k=
Reserves13€97k€97k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€95k€95k=
Profit (loss) carried forward14€2k€4k▲
Amounts payable17/49€16k€880▼
Amounts payable within one year42/48€16k€880▼
Trade debts44€319€208▼
Suppliers440/4€319€208▼
Taxes, remuneration and social security45-€672
Taxes450/3-€672
Other amounts payable47/48€16k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€928€577▼
Other operating charges640/8€680€1k▲
Gross operating margin9900€16k€924▼
Operating profit (loss)9901€14k€-723▼
Financial income75/76B€5k€3k▼
Recurring financial income75€5k€3k▼
Financial charges65/66B€354€290▼
Recurring financial charges65€354€290▼
Profit (loss) for the period before taxes9903€19k€2k▼
Income taxes67/77€6k€667▼
Profit (loss) for the period9904€12k€1k▼
Profit (loss) for the period to be appropriated9905€12k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€4k▼
Profit (loss) brought forward from the previous period14P€2k€2k▲
Transfer from equity791/2€16k-
Transfer to equity691/2€12k-
To other reserves6921€12k-
Profit to be distributed694/7€16k-
Return on contributions (dividend)694€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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €1k ▼88.1%
Net result drops to €1k, the lowest in the series.
31-12
Financial
Liquidity times 17current ratio 135.85
Current ratio from 8.15 to 135.85; short-term debt falls from €16k to €880.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 8.15
Current ratio from 3.32 to 8.15; short-term debt falls from €52k to €16k.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 29.42
Current ratio from 10.22 to 29.42; short-term debt falls from €14k to €5k.
31-12
Financial
Equity above €150kEq €163k ▲11.1%
2 profitable years in a row build equity to €163k.
Show earlier events
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2014
20-10
State Gazette act
Board meeting · Director appointment
Permanent representative · Replaces previous publications
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
7 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, Berlare · 1 establishment unit since 1999
Ground area
482 m²
Building footprint
264 m²
Volume, LiDAR
1,306 m³
2 parcels, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MEDA-CONSULT
since 19992.072.734.602
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22004C0065/00L000 | Flanders | 308 m² | 1 · 91 m² | 8.0 m · 2 fl. |
| 42017C0559/00F000 | Flanders | 174 m² | 1 · 174 m² | 9.4 m · 1 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.
Similar companies · same sector, comparable size
HUVECON
BE 0458.810.196
Zoersel · Eq €119,385
Dcon
BE 0679.829.349
Tremelo · Eq €119,378
André Kunzler
BE 1010.866.791
Ukkel · Eq €119,367
LE RYCKE
BE 0463.487.972
Gent · Eq €119,399
MICHIEL PAPEN
BE 0785.980.211
Kapellen · Eq €119,355
Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 40,847 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-06-1995
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
66220Insurance agents and brokers
71201Architectural and engineering activities; technical testing and analysis
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.