TERM CONSULT
ActiveSummary
TERM CONSULT has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €437k and a net result of €331k. Equity is growing by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 49% of 7029 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+63
Solvency78▲+39
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.12 against 0.02 in 2024; short-term debt: 47.3% and cash: 0.4% of total assets), and 47.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
52.7%
Return on assets
39.9%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
17 d early
2023
62 d early
2022
63 d early
2021
67 d early
2020
46 d early
2019
72 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€437k▲ 312%
2024 · €106k
2019: €100k
2020: €105k
2021: €110k
2022: €120k
2023: €112k
2024: €106k
2019 → 2025
Total assets
€828k▲ 10.0%
2024 · €753k
2019: €170k
2020: €141k
2021: €114k
2022: €127k
2023: €763k
2024: €753k
2019 → 2025
Net result
€331k▲ 4,034%
2024 · €8k
2019: €3k
2020: €4k
2021: €5k
2022: €10k
2023: €-7k
2024: €8k
2019 → 2025
Working capital
€437k
2024 · €-365k
2019: €16k
2020: €19k
2021: €52k
2022: €87k
2023: €-344k
2024: €-365k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€110k-€120k▲ 9.4%€112k▼ 6.2%€106k▼ 5.8%€437k▲ 312%
Operating result€8k-€15k▲ 96.3%€-6k€29k€471k▲ 1,535%
Net result€5k-€10k▲ 106%€-7k€8k€331k▲ 4,034%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 1,535% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €828k
Equity
€437k ▲ 312%
Debt
€392k ▼ 39.5%
Debt's share of the balance-sheet total falls from 85.9% to 47.3%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
2.12▲
2024 · 0.02
Debt to equity
0.90▼
2024 · 6.11
ROE
75.8%▲
2024 · 7.6%
ROA
39.9%▲
2024 · 1.1%
Debt ≤ 1 year
€392k▲
2024 · €374k
Income taxes
€129k▲
2024 · €487
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€753k€828k▲
Fixed assets21/28€744k-
Tangible fixed assets22/27€744k-
Land and buildings22€744k-
Assets under construction and advance payments27€0-
Financial fixed assets28€404-
Current assets29/58€9k€828k▲
Amounts receivable within one year40/41€800€7k▲
Trade receivables40€800€800=
Other amounts receivable41-€6k
Current investments50/53-€817k
Cash at bank and in hand54/58€7k€4k▼
Deferred charges and accrued income490/1€946€710▼
Equity and liabilities
Total equity and liabilities10/49€753k€828k▲
Equity10/15€106k€437k▲
Contributions10/11€19k€19k=
Reserves13€87k€418k▲
Tax-exempt reserves132-€165k
Distributable reserves133€87k€253k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€647k€392k▼
Amounts payable after more than one year17€268k-
Financial debts170/4€268k-
Amounts payable within one year42/48€374k€392k▲
Current portion of amounts payable after more than one year42€28k-
Trade debts44€1k€908▼
Suppliers440/4€1k€908▼
Taxes, remuneration and social security45€5k€10k▲
Taxes450/3€5k€10k▲
Other amounts payable47/48€340k€381k▲
Accrued charges and deferred income492/3€5k-
Income statement
Code20242025
Non-recurring operating income76A-€506k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k-
Other operating charges640/8€5k€4k▼
Gross operating margin9900€47k€475k▲
Operating profit (loss)9901€29k€471k▲
Financial charges65/66B€20k€10k▼
Recurring financial charges65€20k€10k▼
Profit (loss) for the period before taxes9903€8k€460k▲
Income taxes67/77€487€129k▲
Profit (loss) for the period9904€8k€331k▲
Transfer to tax-exempt reserves689-€165k
Profit (loss) for the period to be appropriated9905€8k€165k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€165k▲
Transfer from equity791/2€7k-
Transfer to equity691/2-€165k
To other reserves6921-€165k
Profit to be distributed694/7€15k-
Return on contributions (dividend)694€15k-
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
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €331k ▲4034%
Operating result €471k, net result €331k, both a record.
30-06
Financial
Liquidity times 91current ratio 2.12
Current ratio from 0.02 to 2.12.
30-06
Financial
Equity above €200kEq €437k ▲312%
2 profitable years in a row build equity to €437k.
14-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
2023
30-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Weakest financial yearnet €-7k ▼173%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
2022
29-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
25-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-06
Financial
Liquidity times 10current ratio 14.45
Current ratio from 1.51 to 14.45; short-term debt falls from €37k to €4k.
2020
16-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Show earlier events
2019
20-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
21-11
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
30-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
29-11
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, Herk-de-Stad · 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.
Industrieweg 11203540 Herk-de-StadGround area
7,913 m²
Building footprint
4,893 m²
Parcel 71024A0233/00N000, Flanders. Linked by address, not a title deed.
1 establishment unit
TERM CONSULT
since 20052.150.091.310
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71024A0233/00N000 | Flanders | 7,913 m² | 1 · 4,893 m² | - |
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
GIBELPLAST
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ASM SERVICES & CONSULTING
BE 0460.924.105
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RATIONAL ENERGY USE AND SOLUTIONS
BE 0462.083.749
Geel · Eq €439k
STENSTROM CONSULTING
BE 0882.461.161
Vorst · Eq €434k
BNP Paribas Fortis Private Equity Management
BE 0438.091.788
Brussel · Eq €440k
Of 2,713 companies in sector 73200 we hold annual accounts for 1,783. 1,299 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-10-2005
Fiscal year end30-06
Activities, NACEBEL 2025
73200Market research and public opinion polling
68110Buying and selling of own real estate
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.