Termos Consulting
ActiveTermos Consulting has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €69k. Equity is shrinking by ~23.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 12% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency29▲+3
Growth58=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
3.5%
Return on assets
96.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 31616 sector peers (2025).
NBB · sector comparisonPosition among 31616 sector peers
Solvency
better than 12%
← 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 05-05-2026, 87 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
87 d early
2024
150 d early
2023
8 d early
2022
28 d early
2021
3 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k=
2024 · €3k
2021: €13k
2022: €82k
2023: €150k
2024: €3k
2021 → 2025
Total assets
€71k▼ 71.5%
2024 · €251k
2021: €23k
2022: €102k
2023: €176k
2024: €251k
2021 → 2025
Net result
€69k▼ 17.2%
2024 · €83k
2021: €11k
2022: €69k
2023: €68k
2024: €83k
2021 → 2025
Working capital
€-16k▼ 24.5%
2024 · €-13k
2021: €11k
2022: €81k
2023: €149k
2024: €-13k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€82k▲ 525%€150k▲ 82.7%€3k▼ 98.3%€3k=
Operating result€14k-€74k▲ 418%€102k▲ 38.7%€106k▲ 3.6%€88k▼ 16.8%
Net result€11k-€69k▲ 549%€68k▼ 1.6%€83k▲ 22.4%€69k▼ 17.2%
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 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €71k
Fixed assets
€19k▲ 20.6%
Current assets
€53k▼ 77.6%
Equity and liabilities €71k
Equity
€3k=
Debt
€69k▼ 72.2%
The debt ratio falls from 99.0% to 96.5%. Debt is lower.
Key figures and ratios
EBITDA
€94k▼
2024 · €110k
Cash flow
€75k▼
2024 · €87k
Solvency
3.5%▲
2024 · 1.0%
Current ratio
0.76▼
2024 · 0.95
Quick ratio
0.76▼
2024 · 0.95
Debt / equity
27.57▼
2024 · 99.24
ROA
96.1%▲
2024 · 33.1%
Interest coverage
384.58▲
2024 · 127.40
Debt
€69k▼
2024 · €248k
Debt ≤ 1 year
€69k▼
2024 · €248k
Income taxes
€19k▼
2024 · €22k
Staff costs
€409
A ratio outside any meaningful range has been withheld (balance sheet total €71k, equity €3k).
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€251k€71k▼
Fixed assets21/28€16k€19k▲
Tangible fixed assets22/27€16k€19k▲
Furniture and vehicles24€16k€19k▲
Current assets29/58€235k€53k▼
Amounts receivable within one year40/41€26k€29k▲
Trade receivables40€26k€24k▼
Other amounts receivable41€603€5k▲
Cash at bank and in hand54/58€209k€22k▼
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€251k€71k▼
Equity10/15€3k€3k=
Contributions10/11€3k€3k=
Profit (loss) carried forward14-€0
Amounts payable17/49€248k€69k▼
Amounts payable within one year42/48€248k€69k▼
Financial debts43-€1k
Credit institutions430/8-€1k
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€3k€1k▼
Taxes450/3€3k€1k▼
Other amounts payable47/48€244k€65k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€409
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€111k€96k▼
Operating profit (loss)9901€106k€88k▼
Financial income75/76B€13€0▼
Recurring financial income75€13€0▼
Financial charges65/66B€862€244▼
Recurring financial charges65€862€244▼
Profit (loss) for the period before taxes9903€105k€88k▼
Income taxes67/77€22k€19k▼
Profit (loss) for the period9904€83k€69k▼
Profit (loss) for the period to be appropriated9905€83k€69k▼
Appropriation of the result
Profit (loss) to be appropriated9906€83k€69k▼
Transfer from equity791/2€230k€69k▼
Transfer to equity691/2€83k€69k▼
To other reserves6921€83k€69k▼
Profit to be distributed694/7€230k€69k▼
Return on contributions (dividend)694€230k€69k▼
The notes to these accounts (9 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
05-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
03-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €83k ▲22.4%
Operating result €106k, net result €83k, both a record.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €150k ▲82.7%
3 profitable years in a row build equity to €150k.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 5.12
Current ratio from 2.20 to 5.12.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Heist-op-den-Berg · 1 establishment unit since 2021
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.
Kattestraat 282220 Heist-op-den-BergGround area
357 m²
Building footprint
115 m²
Volume, LiDAR
661 m³
Parcel 12322I0487/00C003, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Termos Consulting
since 20212.320.242.275
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12322I0487/00C003 | Flanders | 357 m² | 1 · 114 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.
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 9,995 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-08-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.