TIBO CONSULT
ActiveTIBO CONSULT has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €451k and a net result of €11k. Equity is growing by ~21.8% per year across the filed fiscal years. Its solvency ranks better than 66% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
66
/ 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
Profitability62▲+11
Solvency76▼-22
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 1.53 against 2.44 in 2024; short-term debt: 36.5% and cash: 0% of total assets), and 48.7% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
51.3%
Return on assets
1.3%
Age of the figures
9 mo
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
1 d early
2023
1 d early
2022
on the day
2021
2 d early
2020
1 d early
2019
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€451k▲ 2.6%
2024 · €440k
2018: €40k
2019: €60k
2020: €157k
2021: €288k
2022: €340k
2023: €431k
2024: €440k
2018 → 2025
Total assets
€879k▲ 46.5%
2024 · €600k
2018: €470k
2019: €496k
2020: €444k
2021: €622k
2022: €588k
2023: €719k
2024: €600k
2018 → 2025
Net result
€11k▲ 28.0%
2024 · €9k
2018: €12k
2019: €70k
2020: €98k
2021: €130k
2022: €52k
2023: €91k
2024: €9k
2018 → 2025
Working capital
€170k▲ 5.1%
2024 · €162k
2018: €-114k
2019: €-67k
2020: €-19k
2021: €110k
2022: €109k
2023: €168k
2024: €162k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€288k-€340k▲ 18.2%€431k▲ 26.7%€440k▲ 2.0%€451k▲ 2.6%
Operating result€176k-€71k▼ 59.8%€129k▲ 82.6%€11k▼ 91.1%€50k▲ 339%
Net result€130k-€52k▼ 59.9%€91k▲ 73.6%€9k▼ 90.3%€11k▲ 28.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 339% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €879k
Fixed assets
€388k▲ 19.0%
Current assets
€491k▲ 79.2%
Equity and liabilities €879k
Equity
€451k▲ 2.6%
Debt
€428k▲ 167%
The debt ratio rises from 26.7% to 48.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€84k▲
2024 · €38k
Cash flow
€45k▲
2024 · €35k
Solvency
51.3%▼
2024 · 73.3%
Current ratio
1.53▼
2024 · 2.44
Quick ratio
1.43▼
2024 · 2.44
Debt / equity
0.95▲
2024 · 0.36
ROE
2.5%▲
2024 · 2.0%
ROA
1.3%▼
2024 · 1.5%
Interest coverage
5.04▲
2024 · 3.69
Debt
€428k▲
2024 · €160k
Debt ≤ 1 year
€321k▲
2024 · €112k
Debt > 1 year
€107k▲
2024 · €48k
Income taxes
€39k▲
2024 · €10k
Staff costs
€8k▼
2024 · €28k
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€600k€879k▲
Fixed assets21/28€326k€388k▲
Intangible fixed assets21€18k€17k▼
Tangible fixed assets22/27€308k€371k▲
Land and buildings22€293k€364k▲
Plant, machinery and equipment23€2k€2k▲
Furniture and vehicles24€3k€2k▼
Leasing and similar rights25€10k€3k▼
Current assets29/58€274k€491k▲
Stocks and contracts in progress3-€31k
Stocks30/36-€31k
Amounts receivable within one year40/41€267k€456k▲
Trade receivables40€14k€24k▲
Other amounts receivable41€253k€432k▲
Cash at bank and in hand54/58€2k€128▼
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€600k€879k▲
Equity10/15€440k€451k▲
Contributions10/11€50k€50k=
Reserves13€390k€390k=
Non-distributable reserves130/1€5k€5k=
Reserves not available under the articles1311€5k€5k=
Distributable reserves133€385k€385k=
Profit (loss) carried forward14-€11k
Amounts payable17/49€160k€428k▲
Amounts payable after more than one year17€48k€107k▲
Financial debts170/4€48k€107k▲
Amounts payable within one year42/48€112k€321k▲
Current portion of amounts payable after more than one year42€21k€48k▲
Financial debts43-€20k
Other loans439-€20k
Trade debts44€42k€201k▲
Suppliers440/4€42k€201k▲
Taxes, remuneration and social security45€46k€49k▲
Taxes450/3€41k€46k▲
Remuneration and social security454/9€5k€3k▼
Other amounts payable47/48€3k€3k=
Accrued charges and deferred income492/3-€221
Income statement
Code20242025
Remuneration, social security and pensions62€28k€8k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€33k▲
Other operating charges640/8€17k€19k▲
Non-recurring operating charges66A€1k-
Gross operating margin9900€84k€111k▲
Operating profit (loss)9901€11k€50k▲
Financial income75/76B€17k€17k▼
Recurring financial income75€17k€17k▼
Financial charges65/66B€10k€17k▲
Recurring financial charges65€10k€17k▲
Profit (loss) for the period before taxes9903€19k€51k▲
Income taxes67/77€10k€39k▲
Profit (loss) for the period9904€9k€11k▲
Profit (loss) for the period to be appropriated9905€9k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€11k▲
Transfer to equity691/2€9k-
To other reserves6921€9k-
The notes to these accounts (10 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €9k ▼90.3%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €130k ▲32.4%
Operating result €176k, net result €130k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.71
Current ratio from 0.85 to 1.71.
31-12
Financial
Equity above €200kEq €288k ▲82.8%
4 profitable years in a row build equity to €288k.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €157k ▲163%
3 profitable years in a row build equity to €157k.
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Hoegaarden · 1 establishment unit since 2013
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.
Doelstraat 133320 HoegaardenGround area
108 m²
Building footprint
108 m²
Volume, LiDAR
572 m³
Parcel 24041D0379/00B000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TIBO CONSULT
since 20132.216.083.279
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24041D0379/00B000 | Flanders | 108 m² | 1 · 108 m² | 9.4 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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REMAC
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BUREAU KEUL
BE 0454.054.525
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AGRIM
BE 0475.562.492
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ALUR IMMO
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Of 11,750 companies in sector 68310 we hold annual accounts for 6,907. 4,688 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded18-12-2012
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
68322Real estate appraisal on a fee or contract basis
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.