CHAT CONSULT
ActiveSummary
CHAT CONSULT has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €190k and a net result of €43k. Equity is growing by ~46.7% per year across the filed fiscal years. Its solvency ranks better than 38% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
78
/ 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
Profitability82▲+1
Solvency70▼-30
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity tight (current ratio 1.44 against 15.06 in 2024; short-term debt: 54.9% and cash: 61.2% of total assets), and 54.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 62
Relative position
BE, all sectors
reference
Sector 62
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
45.1%
Return on assets
10.2%
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 27-05-2026, 65 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
65 d early
2024
31 d early
2023
22 d early
2022
6 d early
2021
138 d early
2020
156 d early
2019
154 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€190k▼ 48.1%
2024 · €366k
2018: €-56k
2019: €-21k
2020: €44k
2021: €88k
2022: €237k
2023: €338k
2024: €366k
2018 → 2025
Total assets
€420k▲ 7.5%
2024 · €391k
2018: €206k
2019: €138k
2020: €153k
2021: €195k
2022: €296k
2023: €376k
2024: €391k
2018 → 2025
Net result
€43k▲ 9.3%
2024 · €39k
2018: €-3k
2019: €35k
2020: €87k
2021: €101k
2022: €149k
2023: €101k
2024: €39k
2018 → 2025
Working capital
€100k▼ 71.7%
2024 · €355k
2018: €-154k
2019: €-96k
2020: €-15k
2021: €53k
2022: €225k
2023: €327k
2024: €355k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€88k-€237k▲ 170%€338k▲ 42.8%€366k▲ 8.2%€190k▼ 48.1%
Operating result€138k-€221k▲ 60.7%€144k▼ 35.1%€56k▼ 60.9%€60k▲ 7.4%
Net result€101k-€149k▲ 47.3%€101k▼ 32.1%€39k▼ 61.1%€43k▲ 9.3%
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 7% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €420k
Fixed assets
€89k ▲ 735%
Current assets
€331k ▼ 13.0%
Equity and liabilities €420k
Equity
€190k ▼ 48.1%
Debt
€231k ▲ 813%
Debt's share of the balance-sheet total rises from 6.5% to 54.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€77k▲
2024 · €58k
Cash flow
€60k▲
2024 · €42k
Current ratio
1.44▼
2024 · 15.06
Debt to equity
1.21▲
2024 · 0.07
ROE
22.7%▲
2024 · 10.8%
ROA
10.2%▲
2024 · 10.1%
Interest coverage
1676.75▲
2024 · 1171.07
Debt ≤ 1 year
€231k▲
2024 · €25k
Income taxes
€17k▲
2024 · €17k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€391k€420k▲
Fixed assets21/28€11k€89k▲
Tangible fixed assets22/27€11k€89k▲
Plant, machinery and equipment23€7k€7k▼
Furniture and vehicles24€4k€82k▲
Current assets29/58€380k€331k▼
Amounts receivable within one year40/41€48k€72k▲
Trade receivables40€38k€64k▲
Other amounts receivable41€9k€8k▼
Current investments50/53€41€41▲
Cash at bank and in hand54/58€331k€257k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€391k€420k▲
Equity10/15€366k€190k▼
Contributions10/11€6k€6k=
Reserves13€360k€184k▼
Distributable reserves133€360k€184k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€25k€231k▲
Amounts payable within one year42/48€25k€231k▲
Financial debts43€404€864▲
Credit institutions430/8€404€864▲
Trade debts44€999€1k▲
Suppliers440/4€999€1k▲
Taxes, remuneration and social security45€12k€9k▼
Taxes450/3€12k€9k▼
Other amounts payable47/48€12k€219k▲
Income statement
Code20242025
Non-recurring operating income76A-€14k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€17k▲
Other operating charges640/8€2k€677▼
Gross operating margin9900€60k€78k▲
Operating profit (loss)9901€56k€60k▲
Financial income75/76B€95€35▼
Recurring financial income75€95€35▼
Financial charges65/66B€50€46▼
Recurring financial charges65€50€46▼
Profit (loss) for the period before taxes9903€56k€60k▲
Income taxes67/77€17k€17k▲
Profit (loss) for the period9904€39k€43k▲
Profit (loss) for the period to be appropriated9905€39k€43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€39k€43k▲
Transfer from equity791/2€12k€219k▲
Transfer to equity691/2€39k€43k▲
To other reserves6921€39k€43k▲
Profit to be distributed694/7€12k€219k▲
Return on contributions (dividend)694€12k€219k▲
The notes to these accounts (10 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
27-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 9.61
Current ratio from 4.78 to 9.61; short-term debt falls from €60k to €38k.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €149k ▲47.3%
Operating result €221k, net result €149k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 4.78
Current ratio from 1.49 to 4.78; short-term debt falls from €107k to €60k.
31-12
Financial
Equity above €200kEq €237k ▲170%
4 profitable years in a row build equity to €237k.
15-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €35k
Net result €35k after one loss-making year.
Show earlier events
18-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
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
3 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, Evergem · 1 establishment unit since 2008
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.
Ralingen 1229940 EvergemGround area
4,865 m²
Building footprint
287 m²
Volume, LiDAR
1,290 m³
Parcel 44302E0066/00A000, Flanders · tallest building 11.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CHAT CONSULT
since 20082.168.998.786
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44302E0066/00A000 | Flanders | 4,865 m² | 1 · 287 m² | 11.1 m · 1 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
LAGOM CONSULT
BE 0762.830.071
Sint-Truiden · Eq €189,811
Nick Geudens
BE 0789.924.646
Westerlo · Eq €189,797
2-Fix Solutions
BE 0805.496.809
Beveren-Kruibeke-Zwijndrecht · Eq €189,862
SOLUTION FOR INTEGRATED INFORMATION
BE 0877.440.917
Mont-Saint-Guibert · Eq €189,888
2BE CONSULTING
BE 0463.473.225
Lubbeek · Eq €189,894
Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 14,852 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-01-2008
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
70100Activities of head offices
70200Business and other management consultancy
82400Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.