ToBe Consult
ActiveToBe Consult has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €630k and a net result of €-14k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 85% of 307 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability33▲+23
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
cash: 0.2% of total assets, and 21% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 18
Relative position
BE, all sectors
reference
Sector 18
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
79%
Return on assets
-1.7%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
18192021222425
2018 to 2025 · latest year €-14k
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
239 d late
2023
7 d late
2022
76 d early
2021
12 d early
2020
4 d early
2019
98 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€630k▼ 2.1%
2024 · €643k
2018: €806k
2019: €924k
2020: €686k
2021: €986k
2022: €986k
2024: €643k
2018 → 2025
Total assets
€798k▼ 1.8%
2024 · €812k
2018: €5.21M
2019: €1.97M
2020: €2.15M
2021: €1.27M
2022: €1.26M
2024: €812k
2018 → 2025
Net result
€-14k▲ 84.5%
2024 · €-88k
2018: €-863k
2019: €118k
2020: €-238k
2021: €690k
2022: €106
2024: €-88k
2018 → 2025
Working capital
€811k▼ 26.6%
2022 · €1.10M
2018: €-990k
2019: €415k
2020: €290k
2021: €277k
2022: €1.10M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220242025Trend
Equity€686k-€986k▲ 43.8%€986k=€643k▼ 34.7%€630k▼ 2.1%
Operating result€-11k-€790k€-500€-95k▼ 18,834%€-9k▲ 90.1%
Net result€-238k-€690k€106▼ 100.0%€-88k€-14k▲ 84.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €9k in 2025 against €95k in 2024; the loss shrinks.
Key figures and ratios
Solvency
79.0%▼
2024 · 79.2%
ROE
-2.2%▲
2024 · -13.8%
ROA
-1.7%▲
2024 · -10.9%
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€812k€798k▼
Current assets29/58€812k€798k▼
Amounts receivable after more than one year29€700k€700k=
Other amounts receivable291€700k€700k=
Amounts receivable within one year40/41€110k€96k▼
Trade receivables40€1k-
Other amounts receivable41€109k€96k▼
Cash at bank and in hand54/58€516€2k▲
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€812k€798k▼
Equity10/15€643k€630k▼
Contributions10/11€264k€264k=
Capital10€264k€264k=
Issued capital100€264k€264k=
Reserves13€552k€552k=
Non-distributable reserves130/1€26k€26k=
Legal reserve130€26k€26k=
Distributable reserves133€526k€526k=
Profit (loss) carried forward14€-173k€-186k▼
Provisions and deferred taxes16€168k€168k=
Provisions for liabilities and charges160/5€168k€168k=
Other liabilities and charges164/5€168k€168k=
Amounts payable17/49€683-
Amounts payable within one year42/48€683-
Trade debts44€683-
Suppliers440/4€683-
Income statement
Code20242025
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-5k-
Other operating charges640/8€29k€2▼
Non-recurring operating charges66A€8k-
Gross operating margin9900€-62k€-9k▲
Operating profit (loss)9901€-95k€-9k▲
Financial income75/76B€6k-
Recurring financial income75€6k-
Financial charges65/66B€1€4k▲
Recurring financial charges65€1€30▲
Non-recurring financial charges66B-€4k
Profit (loss) for the period before taxes9903€-88k€-14k▲
Profit (loss) for the period9904€-88k€-14k▲
Profit (loss) for the period to be appropriated9905€-88k€-14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-173k€-186k▼
Profit (loss) brought forward from the previous period14P€-84k€-173k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
27-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 239 days late
2024
31-12
Financial
Liquidity times 106current ratio 1187.87
Current ratio from 11.17 to 1187.87; short-term debt falls from €109k to €683.
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 7 days late
2023
16-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 11.17
Current ratio from 3.46 to 11.17; short-term debt falls from €112k to €109k.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €690k
Net result €690k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 3.46
Current ratio from 1.44 to 3.46; short-term debt falls from €664k to €112k.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
06-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 98 days late
2019
31-12
Financial
Back to profitnet €118k
Net result €118k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 2.71
Current ratio from 0.73 to 2.71; short-term debt falls from €3.69M to €243k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 29 days late
2017
01-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
14 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, Zoersel · 1 establishment unit since 1985
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.
De Hulsten 722980 ZoerselGround area
1,254 m²
Building footprint
198 m²
Volume, LiDAR
1,302 m³
Parcel 11055A0131/00M003, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
De Hulsten 72, 2980 Zoersel
since 19852.025.927.746
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11055A0131/00M003 | Flanders | 1,254 m² | 1 · 198 m² | 9.2 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 666 EUR awarded · 666 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 666 EUR | 666 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
549300W7LZO12671JQ24
Similar companies · same sector, comparable size
LITHOTEC
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G.M.P.
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HANNIBAL ADVERTISING
BE 0844.671.446
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Photogravure Steurs
BE 0404.914.523
Wijnegem · Eq €616k
Petit Pois En Boîte
BE 0861.412.260
Tervuren · Eq €645k
Of 2,855 companies in sector 18130 we hold annual accounts for 831. 469 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded03-12-1984
Fiscal year end31-12
Activities, NACEBEL
18130Pre-press and pre-media services
22240
58190Other publishing activities, excluding software publishing
Sources
Crossroads Bank for EnterprisesNational Bank · 41 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.