UTILE DULCI
ActiveUTILE DULCI has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €463k and a net result of €50k. Equity is growing by ~19.4% per year across the filed fiscal years. Its solvency ranks better than 49% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+3
Solvency79▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity short (current ratio 0.31 against 0.13 in 2024; short-term debt: 10.5% and cash: 2.8% of total assets), and 45.7% 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 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
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
54.3%
Return on assets
5.8%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 26-05-2026, 26 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
26 d late
2024
27 d late
2023
31 d late
2022
26 d late
2021
30 d late
2020
31 d late
2019
21 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€463k▲ 4.9%
2024 · €441k
2018: €58k
2019: €98k
2020: €196k
2021: €282k
2022: €374k
2023: €409k
2024: €441k
2018 → 2025
Total assets
€851k▼ 7.7%
2024 · €923k
2018: €1.40M
2019: €1.30M
2020: €1.28M
2021: €1.16M
2022: €1.09M
2023: €1.02M
2024: €923k
2018 → 2025
Net result
€50k▲ 53.9%
2024 · €32k
2018: €11k
2019: €40k
2020: €98k
2021: €86k
2022: €92k
2023: €34k
2024: €32k
2018 → 2025
Working capital
€-61k▲ 64.9%
2024 · €-175k
2018: €-445k
2019: €-184k
2020: €-216k
2021: €-236k
2022: €-223k
2023: €-227k
2024: €-175k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€282k-€374k▲ 32.7%€409k▲ 9.2%€441k▲ 7.9%€463k▲ 4.9%
Operating result€135k-€134k▼ 0.4%€59k▼ 55.8%€67k▲ 12.9%€83k▲ 24.0%
Net result€86k-€92k▲ 7.2%€34k▼ 62.7%€32k▼ 6.0%€50k▲ 53.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 24% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €851k
Fixed assets
€824k▼ 8.0%
Current assets
€28k▲ 2.3%
Equity and liabilities €851k
Equity
€463k▲ 4.9%
Provisions
€53k=
Debt
€335k▼ 21.7%
The debt ratio falls from 46.4% to 39.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€155k▲
2024 · €147k
Cash flow
€122k▲
2024 · €112k
Solvency
54.3%▲
2024 · 47.8%
Current ratio
0.31▲
2024 · 0.13
Quick ratio
0.31▲
2024 · 0.13
Debt / equity
0.73▼
2024 · 0.97
ROE
10.7%▲
2024 · 7.3%
ROA
5.8%▲
2024 · 3.5%
Interest coverage
15.28▲
2024 · 8.53
Debt
€335k▼
2024 · €428k
Debt ≤ 1 year
€89k▼
2024 · €202k
Debt > 1 year
€246k▲
2024 · €218k
Income taxes
€23k▲
2024 · €18k
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€923k€851k▼
Fixed assets21/28€896k€824k▼
Tangible fixed assets22/27€896k€824k▼
Land and buildings22€886k€823k▼
Furniture and vehicles24€9k€323▼
Other tangible fixed assets26€755€488▼
Current assets29/58€27k€28k▲
Amounts receivable within one year40/41€14k€3k▼
Trade receivables40€14k€2k▼
Other amounts receivable41-€283
Cash at bank and in hand54/58€11k€24k▲
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€923k€851k▼
Equity10/15€441k€463k▲
Contributions10/11€12k€12k=
Reserves13€212k€214k▲
Distributable reserves133€212k€214k▲
Profit (loss) carried forward14€216k€236k▲
Provisions and deferred taxes16€53k€53k=
Provisions for liabilities and charges160/5€53k€53k=
Pensions and similar obligations160€53k€53k=
Amounts payable17/49€428k€335k▼
Amounts payable after more than one year17€218k€246k▲
Financial debts170/4€218k€246k▲
Amounts payable within one year42/48€202k€89k▼
Current portion of amounts payable after more than one year42€68k€70k▲
Trade debts44€4k€1k▼
Suppliers440/4€4k€1k▼
Taxes, remuneration and social security45€15k€14k▼
Taxes450/3€15k€14k▼
Other amounts payable47/48€116k€4k▼
Accrued charges and deferred income492/3€8k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€80k€72k▼
Other operating charges640/8€11k€9k▼
Gross operating margin9900€158k€164k▲
Operating profit (loss)9901€67k€83k▲
Financial income75/76B€449€139▼
Recurring financial income75€449€139▼
Financial charges65/66B€17k€10k▼
Recurring financial charges65€17k€10k▼
Profit (loss) for the period before taxes9903€50k€73k▲
Income taxes67/77€18k€23k▲
Profit (loss) for the period9904€32k€50k▲
Profit (loss) for the period to be appropriated9905€32k€50k▲
Appropriation of the result
Profit (loss) to be appropriated9906€249k€266k▲
Profit (loss) brought forward from the previous period14P€216k€216k=
Transfer from equity791/2-€28k
Transfer to equity691/2€32k€30k▼
To other reserves6921€32k€30k▼
Profit to be distributed694/7-€28k
Return on contributions (dividend)694-€28k
The notes to these accounts (5 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
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
27-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
26-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 26 days late
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-09
Financial
Equity above €200kEq €282k ▲43.8%
4 profitable years in a row build equity to €282k.
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
30-09
Financial
Highest result since 2018net €98k ▲145%
Operating result €152k, net result €98k, both a record.
30-09
Financial
Equity above €150kEq €196k ▲101%
3 profitable years in a row build equity to €196k.
21-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
28-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
30-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 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, Meise · 1 establishment unit since 2005
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.
d'Hoogvorstlaan 761860 MeiseGround area
1,157 m²
Building footprint
164 m²
Volume, LiDAR
970 m³
Parcel 23050F0220/00K000, Flanders · tallest building 10.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Utile Dulci
since 20052.148.413.309
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23050F0220/00K000 | Flanders | 1,157 m² | 1 · 164 m² | 10.9 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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Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 35,268 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-05-2005
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.