Risk Consulting
ActiveRisk Consulting has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €38k and a net result of €15k. Its solvency ranks better than 19% of 20787 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100=
Solvency28▲+17
Growth52
Stability94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.75 against 0.39 in 2023), and 76.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 62
Relative position
BE, all sectors
reference
Sector 62
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 2024Solvency, return and age of the figures
Solvency
23.3%
Return on assets
9%
Age of the figures
20 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 20787 sector peers (2024).
NBB · sector comparisonPosition among 20787 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
5 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€38k▲ 63.2%
2023 · €23k
2023: €23k
2023 → 2024
Total assets
€161k▲ 10.8%
2023 · €146k
2023: €146k
2023 → 2024
Net result
€15k▼ 30.7%
2023 · €21k
2023: €21k
2023 → 2024
Working capital
€-22k▲ 49.4%
2023 · €-43k
2023: €-43k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€23k-€38k▲ 63.2%
Operating result€36k-€29k▼ 18.0%
Net result€21k-€15k▼ 30.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 18% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €161k
Fixed assets
€98k▼ 17.6%
Current assets
€64k▲ 135%
Equity and liabilities €161k
Equity
€38k▲ 63.2%
Debt
€124k▲ 1.0%
The debt ratio falls from 84.2% to 76.7%: equity grows faster than debt.
Key figures and ratios
EBITDA
€50k▲
2023 · €48k
Cash flow
€35k▲
2023 · €34k
Solvency
23.3%▲
2023 · 15.8%
Current ratio
0.75▲
2023 · 0.39
Quick ratio
0.75▲
2023 · 0.39
Debt / equity
3.29▼
2023 · 5.33
ROE
38.7%▼
2023 · 91.3%
ROA
9.0%▼
2023 · 14.4%
Interest coverage
8.03▼
2023 · 15.12
Debt
€124k▲
2023 · €123k
Debt ≤ 1 year
€85k▲
2023 · €70k
Debt > 1 year
€38k▼
2023 · €53k
Income taxes
€8k▼
2023 · €11k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€146k€161k▲
Fixed assets21/28€118k€98k▼
Intangible fixed assets21€2k€2k▼
Tangible fixed assets22/27€116k€96k▼
Land and buildings22€50k€44k▼
Furniture and vehicles24€334€167▼
Leasing and similar rights25€66k€52k▼
Current assets29/58€27k€64k▲
Amounts receivable within one year40/41€21k€53k▲
Trade receivables40€20k€27k▲
Other amounts receivable41€562€26k▲
Cash at bank and in hand54/58€2k€10k▲
Deferred charges and accrued income490/1€4k€476▼
Equity and liabilities
Total equity and liabilities10/49€146k€161k▲
Equity10/15€23k€38k▲
Contributions10/11€2k€2k=
Reserves13€21k€36k▲
Distributable reserves133€21k€36k▲
Amounts payable17/49€123k€124k▲
Amounts payable after more than one year17€53k€38k▼
Financial debts170/4€53k€38k▼
Amounts payable within one year42/48€70k€85k▲
Current portion of amounts payable after more than one year42€14k€14k▲
Financial debts43-€2k
Credit institutions430/8-€2k
Trade debts44€412€17k▲
Suppliers440/4€412€17k▲
Taxes, remuneration and social security45€35k€52k▲
Taxes450/3€35k€52k▲
Other amounts payable47/48€21k€0▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€21k▲
Other operating charges640/8€5k€6k▲
Gross operating margin9900€53k€56k▲
Operating profit (loss)9901€36k€29k▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€3k€6k▲
Recurring financial charges65€3k€6k▲
Profit (loss) for the period before taxes9903€32k€23k▼
Income taxes67/77€11k€8k▼
Profit (loss) for the period9904€21k€15k▼
Profit (loss) for the period to be appropriated9905€21k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€15k▼
Transfer to equity691/2€21k€15k▼
To other reserves6921€21k€15k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Nazareth-De Pinte · 1 establishment unit since 2023
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.
Bosstraat 899810 Nazareth-De PinteGround area
1,436 m²
Building footprint
222 m²
Volume, LiDAR
3 m³
Parcel 44048D0556/00F000, Flanders · tallest building 0.9 m. Linked by address, not a title deed.
1 establishment unit
Risk Consulting
since 20232.339.983.062
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44048D0556/00F000 | Flanders | 1,436 m² | 1 · 222 m² | 0.9 m |
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.
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Of 16,807 companies in sector 62100 we hold annual accounts for 8,747. 6,577 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-12-2022
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
66210Risk and damage evaluation
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.