TdO Consult
ActiveTdO Consult is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (€-30k) and a net result of €-149k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 2403 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four 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 5% of 2403 sector peers (2025).
NBB · sector comparisonPosition among 2403 sector peers
Solvency
better than 5%
← weakest
strongest →
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 13-07-2026, 18 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
18 d early
2024
27 d late
2023
19 d early
2022
31 d early
2021
32 d early
2020
27 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-30k
2024 · €118k
2020: €41k
2021: €76k
2022: €169k
2023: €183k
2024: €118k
2020 → 2025
Net result
€-149k▼ 129%
2024 · €-65k
2020: €39k
2021: €34k
2022: €93k
2023: €15k
2024: €-65k
2020 → 2025
Total assets
€44k▼ 66.1%
2024 · €130k
2020: €64k
2021: €115k
2022: €229k
2023: €196k
2024: €130k
2020 → 2025
Solvency
-69.2%▼ 160.6pp
2024 · 91.4%
2020: 64.4%
2021: 65.8%
2022: 73.6%
2023: 93.6%
2024: 91.4%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€76k-€169k▲ 123%€183k▲ 8.6%€118k▼ 35.4%€-30k
Operating result€48k-€132k▲ 174%€54k▼ 59.0%€-34k€-72k▼ 112%
Net result€34k-€93k▲ 171%€15k▼ 84.3%€-65k€-149k▼ 129%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €72k in 2025 against €34k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €44k
Fixed assets
€14k▼ 54.6%
Current assets
€30k▼ 69.6%
Key figures and ratios
Solvency
-69.2%▼
2024 · 91.4%
ROE
489.6%▲
2024 · -54.9%
ROA
-338.8%▼
2024 · -50.1%
Debt
€74k▲
2024 · €11k
Debt ≤ 1 year
€74k▲
2024 · €11k
Income taxes
€75▼
2024 · €82
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€130k€44k▼
Fixed assets21/28€30k€14k▼
Tangible fixed assets22/27€30k€14k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€28k€12k▼
Current assets29/58€100k€30k▼
Amounts receivable within one year40/41€12k€632▼
Trade receivables40€9k-
Other amounts receivable41€3k€632▼
Cash at bank and in hand54/58€86k€28k▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€130k€44k▼
Equity10/15€118k€-30k▼
Contributions10/11€2k€2k=
Reserves13€181k€181k=
Distributable reserves133€181k€181k=
Profit (loss) carried forward14€-65k€-214k▼
Amounts payable17/49€11k€74k▲
Amounts payable within one year42/48€11k€74k▲
Trade debts44-€489
Suppliers440/4-€489
Taxes, remuneration and social security45€11k€156▼
Taxes450/3€11k€156▼
Other amounts payable47/48-€74k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€17k▼
Other operating charges640/8€387€400▲
Gross operating margin9900€-16k€-55k▼
Operating profit (loss)9901€-34k€-72k▼
Financial charges65/66B€31k€76k▲
Recurring financial charges65€31k€76k▲
Profit (loss) for the period before taxes9903€-65k€-149k▼
Income taxes67/77€82€75▼
Profit (loss) for the period9904€-65k€-149k▼
Profit (loss) for the period to be appropriated9905€-65k€-149k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-65k€-214k▼
Profit (loss) brought forward from the previous period14P€72€-65k▼
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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-149k
Net result drops to €-149k, the lowest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 11.93
Current ratio from 2.72 to 11.93; short-term debt falls from €60k to €12k.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €93k ▲171%
Operating result €132k, net result €93k, both a record.
31-12
Financial
Equity above €150kEq €169k ▲123%
3 profitable years in a row build equity to €169k.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Wezembeek-Oppem · 1 establishment unit since 2020
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.
Museumlaan 161970 Wezembeek-OppemGround area
1,730 m²
Building footprint
289 m²
Volume, LiDAR
1,747 m³
Parcel 22302C0232/00Z002, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TdO Consult
since 20202.302.874.723
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22302C0232/00Z002 | Flanders | 1,730 m² | 1 · 289 m² | 10.1 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900VUS2483X75CI71
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Of 61 companies in sector 66110 we hold annual accounts for 36. 19 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-05-2020
Fiscal year end31-12
Activities, NACEBEL
66110Activities auxiliary to financial services and insurance activities
69202Legal and accounting activities
69209Other tax advisory services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.