CONSILO FINANCE
CONSILO FINANCE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €86k and a net result of €40k. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 67% of 226 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €86k |
| Net result | €40k |
| Better than sector | 67% |
| Active | 8 yrs |
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
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.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 68.0% | 47.2% | |
| Net result | €40k | €43k | |
| Equity | €86k | €84k | |
| Gross operating margin | €80k | €88k | |
| Staff costs | €18k | €60k |
Figures by fiscal year and ratios
| Fiscal year | 2025 |
|---|---|
| Deposit | micro schema |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €40k |
| Cash flow | n/a |
| Staff costs | €18k |
| Income taxes | €16k |
| Dividends | - |
| Total assets | €127k |
| Equity | €86k |
| Debt | €41k |
| of which ≤ 1y | €41k |
| of which > 1y | - |
| Working capital | n/a |
| Employees (FTE) | - |
| 2025 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 68.0% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 31.6% |
| ROE | 46.4% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
Full annual accounts (21 line items)
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €127k |
| Fixed assets | 21/28 | €1k |
| Tangible fixed assets | 22/27 | €1k |
| Current assets | 29/58 | €126k |
| Amounts receivable within one year | 40/41 | €21k |
| Cash & bank | 54/58 | €93k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €127k |
| Equity | 10/15 | €86k |
| Contributions / capital | 10/11 | €15k |
| Reserves | 13 | €2k |
| Accumulated profits (losses) | 14 | €69k |
| Amounts payable | 17/49 | €41k |
| Amounts payable within one year | 42/48 | €41k |
| Trade debts payable within one year | 44 | €23k |
| Income statement | ||
| Gross operating margin | 9900 | €80k |
| Operating result | 9901 | €57k |
| Financial charges | 65 | €1k |
| Result before taxes | 9903 | €56k |
| Income taxes | 67/77 | €16k |
| Net result for the period | 9904 | €40k |
| Result to be appropriated | 9905 | €40k |
-
FINTOPLimited partnershipDirector· perm. rep.: ASSELBERG WillemState Gazette act 25381971 (29-12-2025)Current29-12-2025 → present
2 events
- 29-12-2025 Resigned· Director
- 29-12-2025 Appointed· Director
-
Current05-01-2024 → present
2 events
- 05-01-2024 Resigned· Director
- 05-01-2024 Mandate renewed· Director
-
Current05-01-2024 → present
2 events
- 05-01-2024 Resigned· Director
- 05-01-2024 Mandate renewed· Director
Former directors (1)
-
DDK ConsultingPrivate limited companyDirector· perm. rep.: DE KEYSER DeboraState Gazette act 25381971 (29-12-2025)Former- → 29-12-2025
| NACE primary | Agents and brokers in banking services(66191) |
| Legal form | Private limited company(610) |
| Incorporation | 04-12-2017 |
| Status | Active |
| Postal code | 2390 |
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11032D0674/00N000 | Flanders | 2,019 m² | 1 · 246 m² | 12.6 m · 1 fl. |
| 11422C0314/00Z000 | Flanders | 333 m² | 1 · 333 m² | 11.0 m · 3 fl. |
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
29-12-2025 1 director appointed, 2 resigning
- ASSELBERG Willem, Bestuurder
- DE KEYSER Debora, Bestuurder
- ASSELBERG Willem, Bestuurder
Technical details
{
"events": [
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "DE KEYSER Debora",
"address": null,
"birth_date": null
},
"via_org": {
"kbo": "0821097773",
"name": "DDK Consulting",
"address": null,
"country": null,
"legal_form": null
},
"evidence_quote": "De algemene vergadering besliste de huidige bestuurders ontslag te geven uit hun functie, te weten: - De besloten vennootschap \u201CDDK Consulting\u201D, rechtspersonenregister Antwerpen, afdeling Antwerpen 0821.097.773, met zetel te 2170 Antwerpen (Merksem), Bredabaan 369, met als vaste vertegenwoordiger me",
"discharge_granted": true
},
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "ASSELBERG Willem",
"address": null,
"birth_date": null
},
"via_org": {
"kbo": "0822365703",
"name": "FINTOP",
"address": null,
"country": null,
"legal_form": null
},
"evidence_quote": "De algemene vergadering besliste de huidige bestuurders ontslag te geven uit hun functie, te weten: ... - De commanditaire vennootschap \u201CFINTOP\u201D, rechtspersonenregister Antwerpen, afdeling Antwerpen 0822.365.703, met zetel te 2980 Zoersel, Kapellei 223, met als vaste vertegenwoordiger de heer ASSELB",
"discharge_granted": true
},
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "ASSELBERG Willem",
"address": null,
"birth_date": null
},
"via_org": {
"kbo": "0822365703",
"name": "FINTOP",
"address": null,
"country": null,
"legal_form": null
},
"evidence_quote": "Werd benoemd tot niet-statutaire bestuurder voor onbepaalde duur: de commanditaire vennootschap \u201CFINTOP\u201D, voornoemd, met als vaste vertegenwoordiger de heer ASSELBERG Willem, voornoemd."
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0685.610.252",
"name_full": "CONSILO MERKSEM",
"legal_form": "BV"
}
}05-01-2024 2 resigning, 2 reappointed
- DDK Consulting, Bestuurder
- FINTOP, Bestuurder
- DDK Consulting, Bestuurder
- FINTOP, Bestuurder
Technical details
{
"events": [
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "DDK Consulting",
"address": null,
"birth_date": null
},
"evidence_quote": "De algemene vergadering besluit de vroegere zaakvoerders, de b.v. DDK Consulting en de c.v. FINTOP, beiden voornoemd, ontslag te geven uit hun functie"
},
{
"kind": "director_renew",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "DDK Consulting",
"address": null,
"birth_date": null
},
"evidence_quote": "gaat onmiddellijk over tot hun herbenoeming als niet-statutair bestuurders voor een onbepaalde termijn."
},
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "FINTOP",
"address": null,
"birth_date": null
},
"evidence_quote": "De algemene vergadering besluit de vroegere zaakvoerders, de b.v. DDK Consulting en de c.v. FINTOP, beiden voornoemd, ontslag te geven uit hun functie"
},
{
"kind": "director_renew",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "FINTOP",
"address": null,
"birth_date": null
},
"evidence_quote": "gaat onmiddellijk over tot hun herbenoeming als niet-statutair bestuurders voor een onbepaalde termijn."
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0685.610.252",
"name_full": "CONSILO MERKSEM",
"legal_form": "BVBA"
}
}18-10-2021 Consilo BV resigns as director
- Consilo BV, Bestuurder
Technical details
{
"events": [
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Consilo BV",
"address": null,
"birth_date": null
},
"effective_date": "2021-06-15",
"evidence_quote": "De Vergadering neemt kennis van de beslissing van Consilo BV om haar mandaat als bestuurder ter beschikking te stellen vanaf heden. Na beraadslaging wordt beslist om het ontslag met onmiddellijke ingang te aanvaarden."
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0685.610.252",
"name_full": "CONSILO MERKSEM",
"legal_form": "BVBA"
}
}06-12-2017 Incorporation of a new BV
Technical details
{
"kind": "oprichting",
"seat": "2170 Antwerpen-Merksem, Bredabaan 369",
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"founders": [
{
"org": {
"kbo": "0821.097.773",
"name": "DDK CONSULTING"
},
"kind": "rechtspersoon",
"person": null,
"share_class": "Aandelen zonder uitgedrukte waarde",
"partner_role": null,
"holder_org_kbo": "0821.097.773",
"holder_org_name": "DDK CONSULTING",
"contribution_type": "in_kind",
"amount_paid_in_eur": 18600,
"holder_person_name": null,
"is_subscriber_only": false,
"n_shares_subscribed": 100,
"amount_subscribed_eur": 18600,
"is_anonymous_silent_partner": false
}
],
"capital_eur": 18600,
"subject_company": {
"kbo": "0685.610.252",
"name_full": "Consilo Merksem",
"legal_form": "BV"
},
"initial_directors": [],
"incorporation_date": "2017-11-30",
"post_incorporation_mandates": []
}| Legal nameNL | CONSILO FINANCE |