TZ Consult

Active

Private limited companyfounded 20197 yrs activeLes Trixhes 45/A, 4890 Thimister-Clermont, BelgiumKBO/BCE: BE 0732.797.683

Summary

TZ Consult has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €206,895 and a net result of €74,485. Equity is growing by ~25.4% per year across the filed fiscal years. Its solvency ranks better than 50% of 38777 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch Report Compare

TZ ConsultActiveChecked score 95/100

Risk analysis Report Compare

Activity

Business and other management consultancy

NACE 70200Business consulting NACE 70220

1 site

Size

€369,025total assets 2025

Equity: €206,895
Profit: €74,485

Turnover not published (abridged schema)

Financial health

95 Excellent Checked score 2025

Bankruptcy chance 12 m: < 0.1%

Structure

Holdings: 1

Accounts 13 d early0 of 1 deed read

Why 95+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Liquidity: current ratio 1.21, cash €95,804+ Size: total assets €369,025+ Equity €206,895 (56.1% of total assets)Show the evidence

Checked score

Score 2025

95 / 100

Excellent

Probability in this band: under 0.55%

Better than 60% of its sector peers (NACE 70, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 81-10

equity 56.1% of total assets

Liquidity 71+1

short-term debt 28.1% · cash 26.0%

Profitability 94+1

return on assets 20.2%

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (48,260 companies)

Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%▲ +2.1% vs 11-2024 01-2025: < 0.1%▲ +4.2% vs 12-2024highest value 02-2025: < 0.1%▼ -24.0% vs 01-2025 03-2025: < 0.1%● 0.0% vs 02-2025 04-2025: < 0.1%● 0.0% vs 03-2025 05-2025: < 0.1%● 0.0% vs 04-2025 06-2025: < 0.1%● 0.0% vs 05-2025 07-2025: < 0.1%● 0.0% vs 06-2025 08-2025: < 0.1%● 0.0% vs 07-2025 09-2025: < 0.1%● 0.0% vs 08-2025 10-2025: < 0.1%▲ +7.9% vs 09-2025 11-2025: < 0.1%▼ -2.4% vs 10-2025 12-2025: < 0.1%▲ +2.5% vs 11-2025 01-2026: < 0.1%▲ +9.8% vs 12-2025 02-2026: < 0.1%▼ -17.8% vs 01-2026lowest value 03-2026: < 0.1%● 0.0% vs 02-2026lowest value 04-2026: < 0.1%● 0.0% vs 03-2026lowest value 05-2026: < 0.1%● 0.0% vs 04-2026lowest value 06-2026: < 0.1%● 0.0% vs 05-2026lowest value 07-2026: < 0.1%● 0.0% vs 06-2026lowest value 08-2026: < 0.1%● 0.0% vs 07-2026lowest value 09-2026: < 0.1%● 0.0% vs 08-2026lowest value 10-2026: < 0.1%▲ +8.1% vs 09-2026

Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
Liquidity: current ratio 1.21, cash €95,804 lowers the probability
Size: total assets €369,025 lowers the probability for this profile
Equity €206,895 (56.1% of total assets) lowers the probability

Credit up to €19,000 at 30 days acceptable

Liquidity tight (current ratio 1.21 against 1.54 in 2024; short-term debt: 28.1% and cash: 26% of total assets), and 43.9% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 70, micro). Better than this share of them on solvency 51%, liquidity 63%, profitability 64%, growth against the median 61%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk○neutral

Sector Activities of head offices; management consultancy activities (NACE 70)

In the bankruptcy model this factor lowers the probability.

KBO

Liquidity: current ratio 1.21, cash €95,804

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Size: total assets €369,025

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Equity €206,895 (56.1% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 18-01-2026, 13 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

13 d early

2024

12 d early

2023

5 d early

2022

33 d early

2021

140 d early

2020

146 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 58 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 18 January (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

30-06-2026 close05-10-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

27-02-26 General meeting · Capital conversionShare cancellation · Capital decrease
18-01-26 Annual accounts filedfiscal year 2025 · micro…
30-06-25 Highest result since 2020net €74,485 ▲37.1%

Key points

Positive: Always filed on timeaccounts within the deadline every year 6 years View
Positive: 6 profitable years in a rowprofit 2025: €74,485 6 years View
Total assets 20256 fiscal years filed €369,025 View