CONSELFIN · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

CONSELFIN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2023 annual accounts show equity of €15k and a net result of €83k. The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-05-2026, 66 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 5 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	26-05-2026	66 d early	2026-00119855
31-12-2024	31-07-2025	27-06-2025	34 d early	2025-00185833
31-12-2023	31-07-2024	17-06-2024	44 d early	2024-00133057
31-12-2022	31-07-2023	22-06-2023	39 d early	2023-00146646
31-12-2021	31-07-2022	28-07-2022	3 d early	2022-20232985

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2020, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Equity€15k+24.5%

Net result€83k+1.8%

Total assets€659k-11.9%

Solvency2.3%+0.7pp

CSV export

Annual accounts & ratios

Source: NBB · 2023

Annual accounts filed on 26-05-2026 with the NBB · fiscal year 2025 · verkort

Operating resultNet result

Net profit

€83k

+1.8% 22-23

Total assets

€659k

-11.9% 22-23

Equity

€15k

+24.5% 22-23

Employees (FTE)

2

+11.8% 22-23

Staff costs

€124k

+25.8% 22-23

Income taxes

€5k

+200.6% 22-23

Debt

€644k

-12.5% 22-23

Debt ≤ 1y

€205k

-49.4% 22-23

Show 4 other metrics

Debt > 1y

€425k

+32.5% 22-23

Solvency

2.3%

+41.4% 22-23

ROE

559.4%

-18.3% 22-23

ROA

12.6%

+15.6% 22-23

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2023
Deposit	verkort
Revenue	n/a
EBITDA	n/a
Net profit	€83k
Cash flow	n/a
Staff costs	€124k
Income taxes	€5k
Dividends	-
Total assets	€659k
Equity	€15k
Debt	€644k
of which ≤ 1y	€205k
of which > 1y	€425k
Working capital	n/a
Employees (FTE)	1.9

Ratios (computed)

	2023
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	2.3%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	12.6%
ROE	559.4%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2023

Assets

Fixed assets €479k · 72.7% Current assets €180k · 27.4%

Equity & liabilities

Equity €15k · 2.3% Debt €644k · 97.8%

Full annual accounts (25 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2023
Balance sheet, Assets
TOTAL ASSETS	20/58	€659k
Fixed assets	21/28	€479k
Intangible fixed assets	21	€437k
Tangible fixed assets	22/27	€41k
Financial fixed assets	28	€415
Current assets	29/58	€180k
Investments	50/53	€40k
Cash & bank	54/58	€104k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€659k
Equity	10/15	€15k
Contributions / capital	10/11	€5k
Reserves	13	€10k
Accumulated profits (losses)	14	€323
Amounts payable	17/49	€644k
Amounts payable after one year	17	€425k
Amounts payable within one year	42/48	€205k
Trade debts payable within one year	44	€11k
Income statement
Gross operating margin	9900	€348k
Operating result	9901	€109k
Financial income	75	€10
Financial charges	65	€21k
Result before taxes	9903	€88k
Income taxes	67/77	€5k
Net result for the period	9904	€83k
Result to be appropriated	9905	€83k

This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2023 · computed

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Directors

Directors & mandates

3 directors

4 of this company's 4 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.

Current directors & mandates

CRM Invest BVLegal entity
Director· perm. rep.: Jurgen Holvoet
State Gazette act 23050994 (14-04-2023)

Current
20-02-2023 → present
Pallas InvestLegal entity
Director· perm. rep.: Jurgen Holvoet
State Gazette act 21117762 (04-10-2021)

Current
01-10-2021 → present

Former directors (1)

Pallas Invest BVLegal entity
Director· perm. rep.: Jurgen Holvoet
State Gazette act 23050994 (14-04-2023)

Former
- → 20-02-2023

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	Agenten en makelaars in bankdiensten(66191)
Legal form	Private limited company(610)
Incorporation	22-10-2020
Status	Active
Postal code	8530

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

2 companies at this address See who is registered here

Establishment units

1 location

FINADVISIE

Kortrijksesteenweg 160, 8530 HarelbekeAgenten en makelaars in bankdiensten

since 20202.308.886.743

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area646 m²

Buildings1

Building footprint209 m²

Volume (LiDAR)614 m³

Tallest building7.2 m · ±1 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)