T-CONSULTING
ActiveSummary
T-CONSULTING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The latest annual accounts of T-CONSULTING were filed more than 90 days after the deadline. The 2024 annual accounts show equity of €199k and a net result of €11k. Equity is shrinking by ~9.5% per year across the filed fiscal years. Its solvency ranks better than 89% of 9864 sector peers (fiscal year 2024). The company has been active since 2009 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.
Filing: Filed more than 90 days late
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
+raises risk
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-12-2025, 153 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
153 d late
2023
30 d late
2022
32 d late
2021
30 d late
2020
37 d late
2019
2 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€199k▼ 2.5%
2023 · €204k
2018: €284k
2019: €328k
2020: €315k
2021: €268k
2022: €223k
2023: €204k
2018 → 2024
Net result
€11k
2023 · €-13k
2018: €46k
2019: €44k
2020: €44k
2021: €65k
2022: €-12k
2023: €-13k
2018 → 2024
Total assets
€217k▼ 6.7%
2023 · €233k
2018: €331k
2019: €344k
2020: €326k
2021: €277k
2022: €259k
2023: €233k
2018 → 2024
Solvency
91.6%▲ 3.9pp
2023 · 87.6%
2018: 85.7%
2019: 95.3%
2020: 96.7%
2021: 96.8%
2022: 86.0%
2023: 87.6%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€315k-€268k▼ 14.7%€223k▼ 17.0%€204k▼ 8.5%€199k▼ 2.5%
Operating result€64k-€95k▲ 48.5%€22k▼ 77.1%€30k▲ 37.4%€47k▲ 56.4%
Net result€44k-€65k▲ 47.0%€-12k€-13k▼ 3.5%€11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 56% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €217k
Fixed assets
€176k ▼ 0.6%
Current assets
€41k ▼ 26.3%
Equity and liabilities €217k
Equity
€199k ▼ 2.5%
Debt
€18k ▼ 36.3%
The debt ratio falls from 12.4% to 8.4%. Equity and debt are lower.
Key figures and ratios
ROE
5.3%▲
2023 · -6.2%
ROA
4.9%▲
2023 · -5.4%
Debt ≤ 1 year
€18k▼
2023 · €29k
Income taxes
€3k▲
2023 · €360
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 · 45 lines
Balance sheet
Code20232024
Assets
Total assets20/58€233k€217k▼
Fixed assets21/28€177k€176k▼
Tangible fixed assets22/27€177k€176k▼
Land and buildings22€142k€138k▼
Plant, machinery and equipment23€29k€30k▲
Furniture and vehicles24€1k€4k▲
Other tangible fixed assets26€5k€5k=
Current assets29/58€55k€41k▼
Stocks and contracts in progress3€1k€1k▼
Stocks30/36€1k€1k▼
Amounts receivable within one year40/41€34k€32k▼
Trade receivables40€11k€11k▲
Other amounts receivable41€23k€21k▼
Cash at bank and in hand54/58€17k€4k▼
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€233k€217k▼
Equity10/15€204k€199k▼
Reserves13€229k€213k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€227k€211k▼
Profit (loss) carried forward14€-25k€-14k▲
Amounts payable17/49€29k€18k▼
Amounts payable within one year42/48€29k€18k▼
Trade debts44€10k€5k▼
Suppliers440/4€10k€5k▼
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€4k€3k▼
Remuneration and social security454/9-€671
Other amounts payable47/48€15k€10k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€10k▲
Other operating charges640/8€1k€857▼
Gross operating margin9900€39k€57k▲
Operating profit (loss)9901€30k€47k▲
Financial charges65/66B€42k€33k▼
Recurring financial charges65€42k€33k▼
Profit (loss) for the period before taxes9903€-12k€13k▲
Income taxes67/77€360€3k▲
Profit (loss) for the period9904€-13k€11k▲
Profit (loss) for the period to be appropriated9905€-13k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-25k€-14k▲
Profit (loss) brought forward from the previous period14P€-12k€-25k▼
Transfer from equity791/2-€16k
Profit to be distributed694/7-€16k
Return on contributions (dividend)694-€16k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 153 days late
2024
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Highest result since 2018net €65k ▲47%
Operating result €95k, net result €65k, both a record.
06-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 37 days late
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity triplescurrent ratio 9.36
Current ratio from 3.51 to 9.36; short-term debt falls from €47k to €16k.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 21 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 24 days late
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 29 days late
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, Wommelgem · 1 establishment unit since 2009
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.
Vrijgezellenstraat 42160 WommelgemGround area
235 m²
Building footprint
94 m²
Volume, LiDAR
584 m³
Parcel 11052C0470/00T003, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Beautify by Laura
since 20092.176.913.491
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11052C0470/00T003 | Flanders | 235 m² | 1 · 94 m² | 10.3 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 56 EUR awarded · 56 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 56 EUR | 56 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
254900N8SWUFZ0G8JQ83
Similar companies · same sector, comparable size
SODYFIN
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WNR Consulting
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WCI Europe
BE 0667.600.124
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CAKE
BE 0723.581.891
Gent · Eq €209k
Of 807 companies in sector 64999 we hold annual accounts for 484. 322 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-01-2009
Fiscal year end31-12
Activities, NACEBEL
64999Other financial services
47750Retail sale of cosmetics and toilet articles
96022Beauty treatment
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.