BY CONSULT
ActiveBY CONSULT has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €320k and a net result of €50k. Equity is growing by ~23.8% per year across the filed fiscal years. Its solvency ranks better than 54% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+50
Solvency98▲+1
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.74 against 2.11 in 2024), and 40.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 · 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
59.9%
Return on assets
9.4%
Age of the figures
8 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 12-08-2026, 12 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 · 9 filingsDeviation from the deadline
2025
12 d late
2024
8 d early
2023
5 d late
2022
32 d late
2021
29 d late
2020
123 d early
2019
18 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€320k▲ 18.7%
2024 · €269k
2018: €74k
2019: €90k
2020: €108k
2021: €123k
2022: €208k
2023: €254k
2024: €269k
2018 → 2025
Total assets
€534k▲ 8.5%
2024 · €492k
2018: €120k
2019: €120k
2020: €142k
2021: €412k
2022: €519k
2023: €550k
2024: €492k
2018 → 2025
Net result
€50k▲ 224%
2024 · €16k
2018: €40k
2019: €16k
2020: €18k
2021: €14k
2022: €85k
2023: €46k
2024: €16k
2018 → 2025
Working capital
€110k▲ 85.8%
2024 · €59k
2018: €6k
2019: €37k
2020: €55k
2021: €35k
2022: €-2k
2023: €42k
2024: €59k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€123k-€208k▲ 69.4%€254k▲ 22.1%€269k▲ 6.1%€320k▲ 18.7%
Operating result€22k-€125k▲ 461%€72k▼ 42.7%€28k▼ 61.1%€76k▲ 171%
Net result€14k-€85k▲ 497%€46k▼ 46.0%€16k▼ 66.2%€50k▲ 224%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 171% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €534k
Fixed assets
€361k▼ 4.9%
Current assets
€173k▲ 54.0%
Equity and liabilities €534k
Equity
€320k▲ 18.7%
Debt
€214k▼ 3.8%
The debt ratio falls from 45.3% to 40.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€104k▲
2024 · €56k
Cash flow
€79k▲
2024 · €44k
Solvency
59.9%▲
2024 · 54.7%
Current ratio
2.74▲
2024 · 2.11
Quick ratio
2.74▲
2024 · 2.11
Debt / equity
0.67▼
2024 · 0.83
ROE
15.8%▲
2024 · 5.8%
ROA
9.4%▲
2024 · 3.2%
Interest coverage
17.41▲
2024 · 8.12
Debt
€214k▼
2024 · €223k
Debt ≤ 1 year
€63k▲
2024 · €53k
Debt > 1 year
€150k▼
2024 · €169k
Income taxes
€20k▲
2024 · €6k
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€492k€534k▲
Fixed assets21/28€379k€361k▼
Tangible fixed assets22/27€379k€361k▼
Land and buildings22€370k€353k▼
Plant, machinery and equipment23€2k€4k▲
Furniture and vehicles24€4k€2k▼
Other tangible fixed assets26€3k€2k▼
Current assets29/58€112k€173k▲
Amounts receivable within one year40/41€23k€34k▲
Trade receivables40€16k€34k▲
Other amounts receivable41€7k€839▼
Current investments50/53€50k€65k▲
Cash at bank and in hand54/58€35k€54k▲
Deferred charges and accrued income490/1€4k€20k▲
Equity and liabilities
Total equity and liabilities10/49€492k€534k▲
Equity10/15€269k€320k▲
Contributions10/11€19k€19k=
Reserves13€251k€301k▲
Distributable reserves133€251k€301k▲
Amounts payable17/49€223k€214k▼
Amounts payable after more than one year17€169k€150k▼
Financial debts170/4€169k€150k▼
Amounts payable within one year42/48€53k€63k▲
Current portion of amounts payable after more than one year42€22k€19k▼
Trade debts44€793€5k▲
Suppliers440/4€793€5k▲
Taxes, remuneration and social security45€699€10k▲
Taxes450/3€699€10k▲
Other amounts payable47/48€30k€29k▼
Accrued charges and deferred income492/3-€989
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€29k▲
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€141€97▼
Gross operating margin9900€58k€106k▲
Operating profit (loss)9901€28k€76k▲
Financial income75/76B€786€585▼
Recurring financial income75€786€585▼
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€22k€70k▲
Income taxes67/77€6k€20k▲
Profit (loss) for the period9904€16k€50k▲
Transfer from tax-exempt reserves789€0-
Profit (loss) for the period to be appropriated9905€16k€50k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€50k▲
Transfer to equity691/2€16k€50k▲
To other reserves6921€16k€50k▲
The notes to these accounts (8 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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Highest result since 2018net €85k ▲497%
Operating result €125k, net result €85k, both a record.
31-12
Financial
Equity above €200kEq €208k ▲69.4%
5 profitable years in a row build equity to €208k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Weakest financial yearnet €14k ▼23%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
30-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €108k ▲20.6%
3 profitable years in a row build equity to €108k.
18-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 18 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
03-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Herselt · 1 establishment unit since 2016
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.
Hoevenstraat(RAM) 522230 HerseltGround area
78 m²
Building footprint
78 m²
Volume, LiDAR
523 m³
Parcel 13034H0292/00C002, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BY CONSULT
since 20162.253.916.843
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13034H0292/00C002 | Flanders | 78 m² | 1 · 78 m² | 9.6 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.
Recognitions · licences · registrations
Legal Entity Identifier
98450083BR53EC547I61
Similar companies · same sector, comparable size
YOTSUME
BE 0567.683.194
Antwerpen · Eq €320k
Vörtgang
BE 0568.507.397
Turnhout · Eq €320k
Luxomattic
BE 0644.505.810
Antwerpen · Eq €319k
TREBOL ENGINEERING
BE 0661.701.732
Merchtem · Eq €319k
ALTHIS
BE 0770.869.391
Zaventem · Eq €320k
Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 37,622 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-06-2016
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.