THE FOUR CONSULTING
ActiveTHE FOUR CONSULTING has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €192k and a net result of €33k. Equity is growing by ~37.7% per year across the filed fiscal years. Its solvency ranks better than 43% of 20785 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability81▼-5
Solvency81▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 2.26 against 2.15 in 2023; short-term debt: 44.1% and cash: 0% of total assets), and 44.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 62
Relative position
BE, all sectors
reference
Sector 62
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
14 d late
2022
45 d late
2021
31 d late
2020
235 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€192k▲ 20.4%
2023 · €159k
2020: €21k
2021: €85k
2022: €118k
2023: €159k
2020 → 2024
Total assets
€343k▲ 15.8%
2023 · €296k
2020: €50k
2021: €144k
2022: €247k
2023: €296k
2020 → 2024
Net result
€33k▼ 20.6%
2023 · €41k
2020: €21k
2021: €64k
2022: €33k
2023: €41k
2020 → 2024
Working capital
€191k▲ 21.0%
2023 · €158k
2020: €21k
2021: €86k
2022: €116k
2023: €158k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€21k-€85k▲ 305%€118k▲ 38.7%€159k▲ 34.7%€192k▲ 20.4%
Operating result€27k-€84k▲ 209%€52k▼ 38.5%€62k▲ 19.3%€41k▼ 33.8%
Net result€21k-€64k▲ 207%€33k▼ 48.6%€41k▲ 24.1%€33k▼ 20.6%
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 2024; 2024 is 34% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €343k
Fixed assets
€399▼ 64.2%
Current assets
€343k▲ 16.1%
Equity and liabilities €343k
Equity
€192k▲ 20.4%
Debt
€151k▲ 10.5%
The debt ratio falls from 46.3% to 44.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€41k▼
2023 · €62k
Cash flow
€33k▼
2023 · €42k
Solvency
55.9%▲
2023 · 53.7%
Current ratio
2.26▲
2023 · 2.15
Quick ratio
2.26▲
2023 · 2.15
Debt / equity
0.79▼
2023 · 0.86
ROE
17.0%▼
2023 · 25.7%
ROA
9.5%▼
2023 · 13.8%
Interest coverage
7.11▼
2023 · 17.25
Debt
€151k▲
2023 · €137k
Debt ≤ 1 year
€151k▲
2023 · €137k
Income taxes
€19k▼
2023 · €29k
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
Balance sheet
Code20232024
Assets
Total assets20/58€296k€343k▲
Fixed assets21/28€1k€399▼
Tangible fixed assets22/27€1k€399▼
Furniture and vehicles24€1k€399▼
Current assets29/58€295k€343k▲
Amounts receivable within one year40/41€291k€341k▲
Trade receivables40€41k€40k▼
Other amounts receivable41€250k€301k▲
Cash at bank and in hand54/58€4k€8▼
Deferred charges and accrued income490/1€470€1k▲
Equity and liabilities
Total equity and liabilities10/49€296k€343k▲
Equity10/15€159k€192k▲
Contributions10/11€100€100=
Profit (loss) carried forward14€159k€191k▲
Amounts payable17/49€137k€151k▲
Amounts payable within one year42/48€137k€151k▲
Trade debts44€27k€41k▲
Suppliers440/4€27k€41k▲
Taxes, remuneration and social security45€110k€93k▼
Taxes450/3€110k€93k▼
Other amounts payable47/48-€17k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€714€714=
Other operating charges640/8€23k€20k▼
Gross operating margin9900€86k€62k▼
Operating profit (loss)9901€62k€41k▼
Financial income75/76B€12k€17k▲
Recurring financial income75€12k€17k▲
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€69k€52k▼
Income taxes67/77€29k€19k▼
Profit (loss) for the period9904€41k€33k▼
Profit (loss) for the period to be appropriated9905€41k€33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€159k€191k▲
Profit (loss) brought forward from the previous period14P€118k€159k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
31-12
Financial
Equity above €150kEq €159k ▲34.7%
4 profitable years in a row build equity to €159k.
14-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 45 days late
2022
31-12
Financial
Equity above €100kEq €118k ▲38.7%
3 profitable years in a row build equity to €118k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
23-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 235 days late
2021
31-12
Financial
Highest result since 2020net €64k ▲207%
Operating result €84k, net result €64k, both a record.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2021
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
08-03-2021
Resigned as Director
Location & real-estate footprint
Registered office, Wemmel · 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.
Koningin Astridlaan 491780 WemmelGround area
1,531 m²
Building footprint
588 m²
Volume, LiDAR
6,743 m³
Parcel 22662B0408/00S005, Flanders · tallest building 13.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
The Four Consulting
since 20202.311.273.537
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22662B0408/00S005 | Flanders | 1,531 m² | 1 · 587 m² | 13.9 m · 4 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.
Similar companies · same sector, comparable size
SODADE
BE 0773.539.564
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MV-IT
BE 0786.562.112
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Squadron
BE 0738.673.707
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FATUM
BE 0690.540.723
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EVENTUS
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Of 16,887 companies in sector 62100 we hold annual accounts for 8,777. 6,665 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-08-2020
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
18200Printing and reproduction of recorded media
62020IT consultancy
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:anasselkhadji@gmail.com