VIALMA CONSULT
ActiveVIALMA CONSULT has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €116k and a net result of €2k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 93% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71=
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 7.7 against 26.43 in 2024; short-term debt: 5.9% and cash: 24.6% of total assets), and 5.9% 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
94.1%
Return on assets
1.9%
Age of the figures
9 mo
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
22 d early
2023
on the day
2022
7 d early
2021
5 d early
2020
1 d late
2019
9 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€116k▲ 2.1%
2024 · €114k
2019: €125k
2020: €119k
2021: €124k
2022: €122k
2023: €112k
2024: €114k
2019 → 2025
Total assets
€124k▲ 6.1%
2024 · €116k
2019: €144k
2020: €125k
2021: €134k
2022: €126k
2023: €113k
2024: €116k
2019 → 2025
Net result
€2k▲ 7.3%
2024 · €2k
2019: €13k
2020: €-6k
2021: €5k
2022: €-2k
2023: €-10k
2024: €2k
2019 → 2025
Working capital
€49k▼ 25.8%
2024 · €66k
2019: €39k
2020: €38k
2021: €40k
2022: €47k
2023: €48k
2024: €66k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€124k-€122k▼ 1.6%€112k▼ 8.4%€114k▲ 2.0%€116k▲ 2.1%
Operating result€6k-€-1k€-10k▼ 835%€3k€4k▲ 56.0%
Net result€5k-€-2k€-10k▼ 407%€2k€2k▲ 7.3%
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 56% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €124k
Fixed assets
€67k▲ 40.3%
Current assets
€56k▼ 18.0%
Equity and liabilities €124k
Equity
€116k▲ 2.1%
Debt
€7k▲ 182%
The debt ratio rises from 2.2% to 5.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€15k▼
2024 · €20k
Cash flow
€13k▼
2024 · €19k
Solvency
94.1%▼
2024 · 97.8%
Current ratio
7.70▼
2024 · 26.43
Quick ratio
7.70▼
2024 · 26.43
Debt / equity
0.06▲
2024 · 0.02
ROE
2.0%▲
2024 · 1.9%
ROA
1.9%▲
2024 · 1.9%
Interest coverage
55.09▼
2024 · 68.30
Debt
€7k▲
2024 · €3k
Debt ≤ 1 year
€7k▲
2024 · €3k
Income taxes
€2k▲
2024 · €399
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€116k€124k▲
Fixed assets21/28€48k€67k▲
Intangible fixed assets21€3k€685▼
Tangible fixed assets22/27€45k€37k▼
Plant, machinery and equipment23€856€430▼
Furniture and vehicles24€279€132▼
Other tangible fixed assets26€44k€36k▼
Financial fixed assets28-€30k
Current assets29/58€68k€56k▼
Amounts receivable within one year40/41€65k€25k▼
Trade receivables40€55k€25k▼
Other amounts receivable41€10k€139▼
Cash at bank and in hand54/58€3k€30k▲
Deferred charges and accrued income490/1€263€687▲
Equity and liabilities
Total equity and liabilities10/49€116k€124k▲
Equity10/15€114k€116k▲
Contributions10/11€13k€13k=
Reserves13€101k€103k▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€99k€103k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€3k€7k▲
Amounts payable within one year42/48€3k€7k▲
Financial debts43-€398
Credit institutions430/8-€398
Trade debts44€516€2k▲
Suppliers440/4€516€2k▲
Taxes, remuneration and social security45€2k€5k▲
Taxes450/3€2k€5k▲
Other amounts payable47/48€50€0▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A-€0
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€11k▼
Other operating charges640/8€763€603▼
Gross operating margin9900€21k€16k▼
Operating profit (loss)9901€3k€4k▲
Financial income75/76B€91€82▼
Recurring financial income75€91€82▼
Financial charges65/66B€290€272▼
Recurring financial charges65€290€272▼
Profit (loss) for the period before taxes9903€3k€4k▲
Income taxes67/77€399€2k▲
Profit (loss) for the period9904€2k€2k▲
Profit (loss) for the period to be appropriated9905€2k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-10k€2k▲
Profit (loss) brought forward from the previous period14P€-12k€0▲
Transfer from equity791/2€10k€0▼
Transfer to equity691/2-€2k
To other reserves6921-€2k
The notes to these accounts (15 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity times 5current ratio 58.06
Current ratio from 11.64 to 58.06; short-term debt falls from €4k to €846.
24-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Liquidity doublescurrent ratio 11.64
Current ratio from 5.04 to 11.64; short-term debt falls from €10k to €4k.
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
30-06
Financial
Liquidity doublescurrent ratio 7.80
Current ratio from 3.62 to 7.80; short-term debt falls from €15k to €6k.
22-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-01
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
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, Kortrijk · 1 establishment unit since 2007
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.
Ruitersweg(Kor) 38500 KortrijkGround area
4,682 m²
Building footprint
623 m²
Volume, LiDAR
3,525 m³
2 parcels, Flanders · tallest building 12.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VIALMA CONSULT
since 20072.163.493.740
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34353B0029/00H002 | Flanders | 2,749 m² | 1 · 309 m² | 9.7 m · 2 fl. |
| 34353B0029/00G002 | Flanders | 1,934 m² | 1 · 314 m² | 12.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,562. 40,811 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-06-2007
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.