SCHEDULE CONSULT
ActiveSCHEDULE CONSULT has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16k and a net result of €5k. Equity is growing by ~56.2% per year across the filed fiscal years. Its solvency ranks better than 84% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
98
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+31
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 7.43 against 1.77 in 2024; short-term debt: 13.5% and cash: 48.7% of total assets), and 13.5% 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○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
86.5%
Return on assets
25.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 10 filingsDeviation from the deadline
2025
30 d late
2024
49 d late
2023
31 d late
2022
31 d late
2021
31 d late
2020
10 d late
2019
22 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€16k▲ 7.7%
2024 · €15k
2018: €-45k
2019: €-35k
2020: €-15k
2021: €16k
2022: €14k
2023: €-2k
2024: €15k
2018 → 2025
Total assets
€18k▼ 45.8%
2024 · €33k
2018: €24k
2019: €103k
2020: €29k
2021: €37k
2022: €37k
2023: €26k
2024: €33k
2018 → 2025
Net result
€5k▼ 71.9%
2024 · €17k
2018: €-44k
2019: €9k
2020: €20k
2021: €31k
2022: €-2k
2023: €-16k
2024: €17k
2018 → 2025
Working capital
€16k▲ 7.7%
2024 · €15k
2018: €-45k
2019: €-35k
2020: €-15k
2021: €16k
2022: €14k
2023: €-775
2024: €15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€14k▼ 12.7%€-2k€15k€16k▲ 7.7%
Operating result€31k-€-864€-16k▼ 1,763%€17k€5k▼ 71.7%
Net result€31k-€-2k€-16k▼ 692%€17k€5k▼ 71.9%
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 2025; 2025 is 72% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €18k
Equity
€16k▲ 7.7%
Debt
€2k▼ 87.1%
The debt ratio falls from 56.5% to 13.5%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
86.5%▲
2024 · 43.5%
Current ratio
7.43▲
2024 · 1.77
Quick ratio
7.43▲
2024 · 1.77
Debt / equity
0.16▼
2024 · 1.30
ROE
29.9%▼
2024 · 114.6%
ROA
25.9%▼
2024 · 49.9%
Debt
€2k▼
2024 · €19k
Debt ≤ 1 year
€2k▼
2024 · €19k
Income taxes
€0=
2024 · €0
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€33k€18k▼
Fixed assets21/28€0€0=
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€0€0=
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€0€0=
Current assets29/58€33k€18k▼
Amounts receivable within one year40/41€22k€9k▼
Trade receivables40€9k€9k▼
Other amounts receivable41€13k€706▼
Cash at bank and in hand54/58€11k€9k▼
Equity and liabilities
Total equity and liabilities10/49€33k€18k▼
Equity10/15€15k€16k▲
Contributions10/11€40k€40k=
Reserves13€18k€18k=
Non-distributable reserves130/1€13k€13k=
Reserves not available under the articles1311€13k€13k=
Distributable reserves133€5k€5k=
Profit (loss) carried forward14€-44k€-42k▲
Amounts payable17/49€19k€2k▼
Amounts payable within one year42/48€19k€2k▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€8-
Taxes450/3€8-
Other amounts payable47/48€17k€1k▼
Income statement
Code20242025
Other operating charges640/8€513€521▲
Gross operating margin9900€17k€5k▼
Operating profit (loss)9901€17k€5k▼
Financial income75/76B€27€50▲
Recurring financial income75€27€50▲
Financial charges65/66B€95€105▲
Recurring financial charges65€95€105▲
Profit (loss) for the period before taxes9903€17k€5k▼
Income taxes67/77€0€0=
Profit (loss) for the period9904€17k€5k▼
Profit (loss) for the period to be appropriated9905€17k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-44k€-42k▲
Profit (loss) brought forward from the previous period14P€-60k€-47k▲
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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Liquidity quadruplescurrent ratio 7.43
Current ratio from 1.77 to 7.43; short-term debt falls from €19k to €2k.
18-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 49 days late
2024
31-12
Financial
Back to profitnet €17k
Net result €17k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €31k ▲50.1%
Operating result €31k, net result €31k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.75
Current ratio from 0.67 to 1.75; short-term debt falls from €44k to €21k.
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 10 days late
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
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
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, Essen · 1 establishment unit since 2005
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.
Herdersbaan 22910 EssenGround area
171 m²
Building footprint
150 m²
Volume, LiDAR
675 m³
Parcel 11642D0531/00P016, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SCHEDULE CONSULT
since 20052.148.338.776
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11642D0531/00P016 | Flanders | 171 m² | 1 · 150 m² | 8.5 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
CALVALOOT
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NEMATECH
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ZIJZICHT
BE 0823.857.424
Gent · Eq €16k
ADVINANCE
BE 0760.978.658
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CABRETO
BE 0765.772.240
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 27,954 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded19-07-2005
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 20 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.