Summary
SOLVERA 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 €359 and a net result of €-5k. Its solvency ranks better than 20% of 8048 sector peers (fiscal year 2025). The company has been active since 2025 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 check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 8048 sector peers (2025).
NBB · sector comparisonPosition among 8048 sector peers
Solvency
better than 20%
← weakest
strongest →
raises risk · Young company
Founded in 2025, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-08-2026, 22 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 · 1 filingDeviation from the deadline
2025
22 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€359
Net result
€-5k
Total assets
€3k
Solvency
14.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €3k
Fixed assets
€1k
Current assets
€1k
Equity and liabilities €3k
Equity
€359
Debt
€2k
Debt finances 85.7% of the balance-sheet total.
Key figures and ratios
Debt ≤ 1 year
€2k
Ratios withheld: a balance sheet total of €3k is too small for a meaningful ratio.
Filed annual accounts As filed with the NBB · 2025 · 26 lines
Balance sheet
Code2025
Assets
Total assets20/58€3k
Fixed assets21/28€1k
Financial fixed assets28€1k
Current assets29/58€1k
Amounts receivable within one year40/41€474
Trade receivables40€0
Other amounts receivable41€474
Cash at bank and in hand54/58€636
Equity and liabilities
Total equity and liabilities10/49€3k
Equity10/15€359
Contributions10/11€5k
Profit (loss) carried forward14€-5k
Amounts payable17/49€2k
Amounts payable within one year42/48€2k
Trade debts44€145
Suppliers440/4€145
Taxes, remuneration and social security45€7
Taxes450/3€7
Other amounts payable47/48€2k
Income statement
Code2025
Goods, raw materials, services and sundry goods60/61€5k
Gross operating margin9900€-5k
Operating profit (loss)9901€-5k
Profit (loss) for the period before taxes9903€-5k
Profit (loss) for the period9904€-5k
Profit (loss) for the period to be appropriated9905€-5k
Appropriation of the result
Profit (loss) to be appropriated9906€-5k
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2025 |
|---|---|
| Goods, raw materials, services and sundry goods60/61 | €5k |
| Gross operating margin9900 | €-5k |
| Operating profit (loss)9901 | €-5k |
| Profit (loss) for the period before taxes9903 | €-5k |
| Profit (loss) for the period9904 | €-5k |
| Profit (loss) for the period to be appropriated9905 | €-5k |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €3k | |
| Fixed assets21/28 | €1k | |
| Financial fixed assets28 | €1k | |
| Current assets29/58 | €1k | |
| Amounts receivable within one year40/41 | €474 | |
| Trade receivables40 | €0 | |
| Other amounts receivable41 | €474 | |
| Cash at bank and in hand54/58 | €636 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €3k | |
| Equity10/15 | €359 | |
| Contributions10/11 | €5k | |
| Profit (loss) carried forward14 | €-5k | |
| Amounts payable17/49 | €2k | |
| Amounts payable within one year42/48 | €2k | |
| Trade debts44 | €145 | |
| Suppliers440/4 | €145 | |
| Taxes, remuneration and social security45 | €7 | |
| Taxes450/3 | €7 | |
| Other amounts payable47/48 | €2k | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €-5k |
| Operating cash flow (approximation) | €-5k |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
22-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 22 days late
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Liège
Ground area
108 m²
Parcel 62818E0525/00D009, Wallonia. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62818E0525/00D009 | Wallonia | 108 m² | - | - |
Linked by address, not proof of ownership
Good to know
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
SELAY INVEST
BE 0836.754.563
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Moriensart Financial Advisory
BE 0785.854.903
Ottignies-Louvain-la-Neuve · Eq €468
Connect2finance
BE 0770.695.088
Gent · Eq €485
BAERD
BE 0785.372.376
Aalst · Eq €500
MAC-SAT
BE 0674.462.279
Sint-Jans-Molenbeek · Eq €183
Of 807 companies in sector 64999 we hold annual accounts for 484. 20 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-10-2025
Fiscal year end31-12
Activities, NACEBEL 2025
64999Other financial services
Scores and ratios are computed by Checked and are not a credit decision.