ALFIN Consult

Active

Private limited companyfounded 20206 yrs activePlace Nicolas-Bernimolin 3, 4030 Liège, BelgiumKBO/BCE: BE 0742.679.510

ALFIN Consult has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €19k and a net result of €-11k. Equity is shrinking by ~18.9% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 20% of 37972 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).

Watch Print / PDF

Checked score

Score 2024

38 / 100

Weak

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability5▼-81

Solvency44▲+1

Growth32=

Track record100

Bankruptcy probability, 12 months

0.6% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days only on tighter terms

Liquidity tight (current ratio 1.08 against 1.21 in 2023; short-term debt: 81% and cash: 9.9% of total assets), and 81% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

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

−lowers risk+raises risk○neutral

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 →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 2024

Solvency, return and age of the figures

Solvency

19%

Return on assets

-11.1%

Age of the figures

20 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 37972 sector peers (2024).

NBB · sector comparison

Position among 37972 sector peers

Solvency

better than 20%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-07-2025, 14 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

not confirmed

2024

14 d early

2023

41 d early

2022

7 d late

2021

23 d late

2020

46 d early

← before the deadline after the 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

Financials · fiscal year 2024, micro schema

Turnover

€0

Total assets

€101k▼ 39.0%

2023 · €166k

2020: €70k 2021: €117k 2022: €150k 2023: €166k

2020 → 2024

Net result

€-11k

2023 · €23k

2020: €51k 2021: €49k 2022: €35k 2023: €23k

2020 → 2024

Working capital

€7k▼ 75.6%

2023 · €28k

2020: €49k 2021: €97k 2022: €129k 2023: €28k

2020 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Turnover€0

Equity€51k-€99k▲ 95.5%€133k▲ 34.2%€31k▼ 77.0%€19k▼ 36.8%

Operating result€66k-€65k▼ 2.3%€47k▼ 27.7%€31k▼ 34.7%€-12k

Net result€51k-€49k▼ 3.5%€35k▼ 29.5%€23k▼ 34.5%€-11k

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 2024: a loss of €12k after €31k in 2023, the lowest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €101k

12.3%

87.7%

Fixed assets €12k▲ 376%

Current assets €89k▼ 45.6%

Equity and liabilities €101k

19.0%

81.0%

Equity €19k▼ 36.8%

Debt €82k▼ 39.5%

The debt ratio falls from 81.6% to 81.0%. Equity and debt are lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€-9k▼

2023 · €32k

Cash flow

€-8k▼

2023 · €24k

Solvency

19.0%▲

2023 · 18.4%

Current ratio

1.08▼

2023 · 1.21

Quick ratio

1.08▼

2023 · 1.21

Debt / equity

4.26▼

2023 · 4.44

ROE

-58.3%▼

2023 · 74.3%

ROA

-11.1%▼

2023 · 13.7%

Interest coverage

-13.65▼

2023 · 25.55

Debt

€82k▼

2023 · €136k

Debt ≤ 1 year

€82k▼

2023 · €136k

Income taxes

€163▼

2023 · €7k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€166k€101k▼

Fixed assets21/28€3k€12k▲

Tangible fixed assets22/27€3k€12k▲

Furniture and vehicles24€3k€12k▲

Current assets29/58€163k€89k▼

Amounts receivable within one year40/41€4k€4k▼

Trade receivables40€4k€1k▼

Other amounts receivable41€211€2k▲

Current investments50/53€75k€75k=

Cash at bank and in hand54/58€84k€10k▼

Deferred charges and accrued income490/1-€135

Equity and liabilities

Total equity and liabilities10/49€166k€101k▼

Equity10/15€31k€19k▼

Contributions10/11€500€500=

Reserves13€30k€30k=

Distributable reserves133€30k€30k=

Profit (loss) carried forward14-€-11k

Amounts payable17/49€136k€82k▼

Amounts payable within one year42/48€136k€82k▼

Trade debts44€484€564▲

Suppliers440/4€484€564▲

Taxes, remuneration and social security45€7k€2k▼

Taxes450/3€7k€778▼

Remuneration and social security454/9-€1k

Other amounts payable47/48€128k€80k▼

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲

Other operating charges640/8€220€260▲

Gross operating margin9900€32k€-9k▼

Operating profit (loss)9901€31k€-12k▼

Financial income75/76B€4€2k▲

Recurring financial income75€4€2k▲

Financial charges65/66B€1k€644▼

Recurring financial charges65€1k€644▼

Profit (loss) for the period before taxes9903€29k€-11k▼

Income taxes67/77€7k€163▼

Profit (loss) for the period9904€23k€-11k▼

Profit (loss) for the period to be appropriated9905€23k€-11k▼

Appropriation of the result

Profit (loss) to be appropriated9906€125k€-11k▼

Profit (loss) brought forward from the previous period14P€102k-

Profit to be distributed694/7€125k-

Return on contributions (dividend)694€125k-

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 8Financial 2Gazette 1Filings 5

2026

04-09

State Gazette act Registered office

Board meeting · Registered-office move2 facts ▸

Board meeting, 08/08/2026
Registered-office move, Place Nicolas-Bernimolin 3, 4030 Liège

2025

17-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Weakest financial yearnet €-11k ▼150%

Net result drops to €-11k, the lowest in the series.

20-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

07-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 7 days late

2022

31-12

Financial Equity above €100kEq €133k ▲34.2%

3 profitable years in a row build equity to €133k.

23-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 23 days late

2021

15-06

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

3 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.

Location & real-estate footprint

Registered office, Liège · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Place Nicolas-Bernimolin 34030 Liège

Ground area

124 m²

Building footprint

46 m²

Volume, LiDAR

406 m³

Parcel 62302B0125/00D012, Wallonia · tallest building 9.7 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

ALFIN Consult

Place Nicolas-Bernimolin 3, 4030 LiègeActivities of head offices; management consultancy activities

since 20202.298.431.331

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62302B0125/00D012	Wallonia	124 m²	1 · 46 m²	9.7 m · 3 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.

Similar companies · same sector, comparable size

JS INVEST & CONSULTING

Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 30,205 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded29-01-2020

Fiscal year end31-12

Activities, NACEBEL

70200Business and other management consultancy

70220Business consulting

85599Other education

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.