5Consult
Active5Consult has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9k and a net result of €-8k. Equity is shrinking by ~15.9% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 26% of 17046 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37▼-58
Solvency52▼-1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.7 against 0.77 in 2024; short-term debt: 71.1% and cash: 16.8% of total assets), and 72.5% 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+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
27.5%
Return on assets
-23.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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
25 d late
2024
22 d late
2023
13 d late
2022
31 d early
2021
142 d late
2020
208 d late
2019
179 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€9k▼ 51.5%
2024 · €18k
2018: €28k
2019: €34k
2020: €42k
2021: €32k
2022: €21k
2023: €23k
2024: €18k
2018 → 2025
Total assets
€32k▼ 50.9%
2024 · €65k
2018: €72k
2019: €55k
2020: €72k
2021: €93k
2022: €86k
2023: €65k
2024: €65k
2018 → 2025
Net result
€-8k
2024 · €14k
2018: €16k
2019: €6k
2020: €8k
2021: €-10k
2022: €-11k
2023: €4k
2024: €14k
2018 → 2025
Working capital
€-7k▲ 38.7%
2024 · €-11k
2018: €-3k
2019: €16k
2020: €28k
2021: €-3k
2022: €-25k
2023: €-15k
2024: €-11k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€32k-€21k▼ 35.0%€23k▲ 12.6%€18k▼ 22.8%€9k▼ 51.5%
Operating result€-9k-€-10k▼ 10.3%€10k€25k▲ 150%€-5k
Net result€-10k-€-11k▼ 11.2%€4k€14k▲ 218%€-8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5k after €25k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €32k
Fixed assets
€16k▼ 45.0%
Current assets
€16k▼ 55.6%
Equity and liabilities €32k
Equity
€9k▼ 51.5%
Debt
€23k▼ 50.7%
The debt ratio rises from 72.2% to 72.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€8k▼
2024 · €38k
Cash flow
€5k▼
2024 · €27k
Solvency
27.5%▼
2024 · 27.8%
Current ratio
0.70▼
2024 · 0.77
Quick ratio
0.70▼
2024 · 0.77
Debt / equity
2.64▲
2024 · 2.60
ROE
-87.2%▼
2024 · 75.2%
ROA
-23.9%▼
2024 · 20.9%
Interest coverage
4.39▼
2024 · 37.18
Debt
€23k▼
2024 · €47k
Debt ≤ 1 year
€23k▼
2024 · €47k
Income taxes
€727▼
2024 · €10k
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€65k€32k▼
Formation expenses20€0€0=
Fixed assets21/28€29k€16k▼
Intangible fixed assets21€5k€2k▼
Tangible fixed assets22/27€23k€13k▼
Furniture and vehicles24€18k€8k▼
Other tangible fixed assets26€6k€5k▼
Financial fixed assets28€1k€1k=
Current assets29/58€36k€16k▼
Amounts receivable within one year40/41€23k€8k▼
Trade receivables40€23k€3k▼
Other amounts receivable41-€4k
Cash at bank and in hand54/58€10k€5k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€65k€32k▼
Equity10/15€18k€9k▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€12k€3k▼
Amounts payable17/49€47k€23k▼
Amounts payable within one year42/48€47k€23k▼
Financial debts43-€1k
Credit institutions430/8-€1k
Trade debts44€8k€4k▼
Suppliers440/4€8k€4k▼
Taxes, remuneration and social security45€27k€16k▼
Taxes450/3€27k€15k▼
Remuneration and social security454/9-€1k
Other amounts payable47/48€12k€2k▼
Accrued charges and deferred income492/3-€474
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲
Other operating charges640/8€2k€796▼
Non-recurring operating charges66A€2k€58▼
Gross operating margin9900€42k€9k▼
Operating profit (loss)9901€25k€-5k▼
Financial income75/76B€6€230▲
Recurring financial income75€6€230▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€24k€-7k▼
Income taxes67/77€10k€727▼
Profit (loss) for the period9904€14k€-8k▼
Profit (loss) for the period to be appropriated9905€14k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€4k▼
Profit (loss) brought forward from the previous period14P€5k€12k▲
Transfer from equity791/2€12k-
Profit to be distributed694/7€19k€2k▼
Return on contributions (dividend)694€19k€2k▼
The notes to these accounts (9 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-11k
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
20-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 142 days late
24-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 208 days late
2021
26-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 179 days late
2019
28-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 89 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
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.
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, La Bruyère · 1 establishment unit since 2015
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.
Rue Pommelée-Vache, V.-lez-Heest 35080 La BruyèreGround area
2,081 m²
Building footprint
92 m²
Parcel 92131A0039/00S000, Wallonia. Linked by address, not a title deed.
1 establishment unit
5Consult
since 20152.242.442.436
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92131A0039/00S000 | Wallonia | 2,081 m² | 1 · 91 m² | - |
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 30,000 companies in sector 62200 we hold annual accounts for 18,395. 8,884 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-05-2015
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.