THY CONSEILS
ActiveTHY CONSEILS has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €191k and a net result of €-5k. Equity is growing by ~12% per year across the filed fiscal years. Its solvency ranks better than 85% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▼-17
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 2.8 against 1.4 in 2024; short-term debt: 12.9% and cash: 22.2% of total assets), and 12.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 →
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 10 filingsDeviation from the deadline
2025
25 d late
2024
60 d late
2023
21 d late
2022
56 d late
2021
92 d late
2020
5 d early
2019
73 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€191k▼ 2.6%
2024 · €196k
2018: €97k
2019: €92k
2020: €110k
2021: €148k
2022: €157k
2023: €168k
2024: €196k
2018 → 2025
Total assets
€219k▼ 8.3%
2024 · €239k
2018: €554k
2019: €595k
2020: €580k
2021: €553k
2022: €324k
2023: €260k
2024: €239k
2018 → 2025
Net result
€-5k
2024 · €27k
2018: €-5k
2019: €29k
2020: €18k
2021: €38k
2022: €9k
2023: €11k
2024: €27k
2018 → 2025
Working capital
€51k▲ 193%
2024 · €17k
2018: €-121k
2019: €-139k
2020: €-123k
2021: €-79k
2022: €-44k
2023: €-46k
2024: €17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€148k-€157k▲ 6.4%€168k▲ 7.3%€196k▲ 16.2%€191k▼ 2.6%
Operating result€57k-€19k▼ 66.0%€20k▲ 4.0%€43k▲ 114%€2k▼ 96.5%
Net result€38k-€9k▼ 75.0%€11k▲ 21.4%€27k▲ 139%€-5k
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 97% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €219k
Fixed assets
€140k▼ 21.6%
Current assets
€79k▲ 31.2%
Equity and liabilities €219k
Equity
€191k▼ 2.6%
Debt
€28k▼ 34.2%
The debt ratio falls from 18.0% to 12.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€43k▼
2024 · €98k
Cash flow
€36k▼
2024 · €82k
Solvency
87.1%▲
2024 · 82.0%
Current ratio
2.80▲
2024 · 1.40
Quick ratio
2.80▲
2024 · 1.40
Debt / equity
0.15▼
2024 · 0.22
ROE
-2.7%▼
2024 · 14.0%
ROA
-2.4%▼
2024 · 11.5%
Interest coverage
15.23▼
2024 · 30.78
Debt
€28k▼
2024 · €43k
Debt ≤ 1 year
€28k▼
2024 · €43k
Income taxes
€4k▼
2024 · €13k
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€239k€219k▼
Fixed assets21/28€178k€140k▼
Intangible fixed assets21€7k€6k▼
Tangible fixed assets22/27€171k€134k▼
Plant, machinery and equipment23€164k€129k▼
Furniture and vehicles24€3k€2k▼
Leasing and similar rights25€341-
Other tangible fixed assets26€4k€4k=
Financial fixed assets28€115€115=
Current assets29/58€60k€79k▲
Amounts receivable within one year40/41€6k€26k▲
Trade receivables40€6k€26k▲
Other amounts receivable41-€6
Cash at bank and in hand54/58€53k€49k▼
Deferred charges and accrued income490/1€1k€4k▲
Equity and liabilities
Total equity and liabilities10/49€239k€219k▼
Equity10/15€196k€191k▼
Contributions10/11€6k€6k=
Reserves13€161k€161k=
Tax-exempt reserves132€19k€19k=
Distributable reserves133€142k€142k=
Profit (loss) carried forward14€29k€24k▼
Amounts payable17/49€43k€28k▼
Amounts payable within one year42/48€43k€28k▼
Current portion of amounts payable after more than one year42€10k-
Trade debts44€5k€8k▲
Suppliers440/4€5k€8k▲
Taxes, remuneration and social security45€22k€16k▼
Taxes450/3€15k€16k▲
Remuneration and social security454/9€7k-
Other amounts payable47/48€6k€4k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55k€41k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€100k€44k▼
Operating profit (loss)9901€43k€2k▼
Financial income75/76B€10€54▲
Recurring financial income75€10€54▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€40k€-1k▼
Income taxes67/77€13k€4k▼
Profit (loss) for the period9904€27k€-5k▼
Profit (loss) for the period to be appropriated9905€27k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€54k€24k▼
Profit (loss) brought forward from the previous period14P€27k€29k▲
Transfer to equity691/2€25k-
To other reserves6921€25k-
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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 1.40
Current ratio from 0.43 to 1.40; short-term debt falls from €82k to €43k.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
25-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 56 days late
2022
31-12
Financial
Equity above €150kEq €157k ▲6.4%
4 profitable years in a row build equity to €157k.
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 92 days late
2021
31-12
Financial
Highest result since 2018net €38k ▲104%
Operating result €57k, net result €38k, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €110k ▲20.1%
2 profitable years in a row build equity to €110k.
12-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 73 days late
2019
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
11-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 42 days late
2018
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 7 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Genappe · 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.
Thy 111470 GenappeGround area
1.2 ha
Building footprint
152 m²
Volume, LiDAR
1,102 m³
Parcel 25003C0248/00K000, Wallonia · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
THY CONSEILS
since 20092.182.491.486
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25003C0248/00K000 ProtectedSite or landscape |
Wallonia | 1.2 ha | 1 · 152 m² | 9.3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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TGV 1964
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De Poeierfabriek
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 40,184 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-10-2009
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
62020IT consultancy
62200Computer consultancy and computer facilities management
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.