Active BE 0832.874.365Private limited company

Time4Consult

Oosterring 9 ·3600 Genk, Belgium· 15 yrs active

Sector: Business and other management consultancy (70200)

Conclusion Checked

Time4Consult has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €292k and a net result of €71k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 87% of 30893 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Based on the State Gazette, CBE and 8 annual accounts.

Key figures

Equity	€292k
Net result	€71k
Better than sector	87%
Active	15 yrs

Financial profile 5 of 5 axes measured · computed by Checked

96 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100

Profitability 100

Solvency 100

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.1% Very low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Established

Founded in 2011, 15 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2025 · computed

100 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Indicative credit limit

€30k

estimate, not credit advice

Score history

75 2018

68 2019

83 2020

86 2021

52 2022

100 2023

86 2024

100 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 9.28 (≥ 1.5) +10

Quick ratio Quick ratio 9.28 (≥ 1.0) +5

Leverage Debt/equity 0.12 (< 1.0) +10

Profitability ROE 24% (≥ 10%) +10

Interest coverage Interest coverage 200.0× (≥ 3×) +8

Profit trend Net profit up YoY +5

Equity growth Equity growing YoY +3

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview14 NBB filings

Annual accounts filed on 21-04-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Sector comparison

Fiscal year 2025 · NACE 70, Activities of head offices; management consultancy activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	89.4%	55.9%	better than 87% of 30893 sector peers
Net result	€71k	€27k	better than 76% of 30902 sector peers
Equity	€292k	€83k	better than 79% of 30919 sector peers
Gross operating margin	€97k	€54k	better than 71% of 30861 sector peers
Total assets	€327k	€186k	better than 66% of 30907 sector peers

EBITDA

€97k

+495.8% 18-25

Net profit

€71k

+505.5% 18-25

Cash flow

€72k

+450.8% 18-25

Total assets

€327k

+24.0% 18-25

Equity

€292k

+26.8% 18-25

Working capital

€287k

+27.0% 18-25

Income taxes

€27k

+447.9% 18-25

Dividends

€9k

- 18-25

Debt

€35k

+4.5% 18-25

Debt ≤ 1y

€35k

+6.9% 18-25

Current ratio

9.28

+16.4% 18-25

Quick ratio

9.28

+16.4% 18-25

Solvency

89.4%

+2.3% 18-25

Debt / equity

0.12

-17.6% 18-25

ROE

24.4%

+377.5% 18-25

ROA

21.8%

+388.3% 18-25

Interest coverage

200.00

+1494.0% 18-25

Figures by fiscal year and ratios

Change versus the prior fiscal year, coloured by direction (green = favourable).

Fiscal year	2025 Δ	2024 Δ	2023 Δ	2022 Δ	2021 Δ
Deposit	micro schema	micro schema	micro schema	micro schema	micro schema
Revenue	-	-	-	-	-
EBITDA	+495.8%	-93.7%	-	-	-
Net profit	+505.5%	-93.4%	-	-	-
Cash flow	+450.8%	-92.7%	-	-	-
Staff costs	-	-	-	-	-
Income taxes	+447.9%	-93.6%	+493021.8%	-99.3%	-
Dividends	-	-	-	-	-
Total assets	+24.0%	-11.6%	+410.1%	-8.5%	-
Equity	+26.8%	+5.4%	+449.4%	-16.0%	-
Debt	+4.5%	-58.2%	+326.3%	+13.4%	-
of which ≤ 1y	+6.9%	-59.2%	+326.3%	+13.4%	-
of which > 1y	-	-	-	-	-
Working capital	+27.0%	+6.5%	+569.0%	-12.7%	-
Employees (FTE)	-	-	-	-	-

Ratios (computed)

	2025	2024	2023	2022	2021
Current ratio	9.28	7.97	3.67	2.70	3.21
Quick ratio	9.28	7.97	3.67	2.70	3.21
Working capital ratio	88.0%	86.0%	71.3%	54.4%	57.1%
Solvency	89.4%	87.4%	73.3%	68.1%	74.2%
Debt / equity	0.12	0.14	0.36	0.47	0.35
Long-term debt ratio	-	-	-	-	-
Interest coverage	200.00	12.55	139.49	-2.81	7.48
Gross margin	-	-	-	-	-
Net margin	-	-	-	-	-
ROA	21.8%	4.5%	60.0%	-13.0%	6.7%
ROE	24.4%	5.1%	81.8%	-19.1%	9.1%
EBITDA margin	-	-	-	-	-
Days sales outstanding	-	-	-	-	-
Days payable outstanding	-	-	-	-	-
Inventory turnover	-	-	-	-	-
Days inventory (DSI)	-	-	-	-	-

Balance-sheet composition 2025

Assets

Fixed assets €4k · 1.4% Current assets €322k · 98.6%

Equity & liabilities

Equity €292k · 89.4% Debt €35k · 10.6%

Full annual accounts (22 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€327k	€263k	€298k	€58k	€64k
Fixed assets	21/28	€4k	€5k	€6k	€8k	€11k
Tangible fixed assets	22/27	€4k	€5k	€6k	€8k	€11k
Current assets	29/58	€322k	€259k	€292k	€50k	€53k
Amounts receivable within one year	40/41	€57k	€523	€2k	€2k	€398
Cash & bank	54/58	€15k	€8k	€40k	€48k	€52k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€327k	€263k	€298k	€58k	€64k
Equity	10/15	€292k	€230k	€218k	€40k	€47k
Contributions / capital	10/11	€6k	€6k	€6k	€6k	€6k
Reserves	13	€286k	€224k	€212k	€41k	€41k
Accumulated profits (losses)	14	€0	-	€0	€-8k	-
Amounts payable	17/49	€35k	€33k	€80k	€19k	€16k
Amounts payable within one year	42/48	€35k	€32k	€80k	€19k	€16k
Trade debts payable within one year	44	€3k	€1k	€30	-	€3
Income statement
Gross operating margin	9900	€97k	€17k	€257k	€-2k	€11k
Operating result	9901	€96k	€15k	€254k	€-6k	€8k
Financial income	75	€3k	€3k	€3k	€3	€25
Financial charges	65	€483	€1k	€2k	€1k	€1k
Result before taxes	9903	€98k	€17k	€255k	€-8k	€7k
Income taxes	67/77	€27k	€5k	€77k	€16	€2k
Net result for the period	9904	€71k	€12k	€179k	€-8k	€4k
Result to be appropriated	9905	€71k	€12k	€179k	€-8k	€4k

Legal Structure

NACE primary	Business and other management consultancy(70200)
Legal form	Private limited company(610)
Incorporation	17-01-2011
Status	Active
Postal code	3600

Establishment units 1 location

Time4consult

Oosterring 9, 3600 GenkComputing infrastructure, data processing, hosting and other information service activities

since 20112.196.201.150

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71304D1231/00B004	Flanders	4,799 m²	1 · 1,035 m²	8.5 m · 1 fl.

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.

Updates 10 events

All 14Financial 4Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

21-04

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

02-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Liquidity doublescurrent ratio 7.97

Current ratio from 3.67 to 7.97; short-term debt falls from €80k to €32k.

09-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Back to profitnet €179k

Net result €179k after one loss-making year.

31-12

Financial Equity above €200kEq €218k ▲449%

Equity rises from €40k to €218k.

20-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Weakest financial yearnet €-8k ▼276%

Net result drops to €-8k, the lowest in the series; recovery starts the following year.

01-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

26-07

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

22-06

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

21-06

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

28-06

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

2017

27-06

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.

Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Business and other management consultancy70200Business consulting70220

Names & trade names

Legal nameNL

Time4Consult

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