Summary
Consolution 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 €19k and a net result of €108k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 16% of 8023 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
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. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 8023 sector peers (2025).
NBB · sector comparisonPosition among 8023 sector peers
Solvency
better than 16%
← weakest
strongest →
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 10-04-2026, 112 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
112 d early
2024
104 d early
2023
19 d early
2022
on the day
2021
32 d early
2020
31 d early
2019
31 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
€19k▼ 17.6%
2024 · €23k
2018: €234k
2019: €28k
2020: €27k
2021: €72k
2022: €83k
2023: €115k
2024: €23k
2018 → 2025
Net result
€108k▲ 14.6%
2024 · €94k
2018: €67k
2019: €79k
2020: €98k
2021: €105k
2022: €71k
2023: €94k
2024: €94k
2018 → 2025
Total assets
€198k▲ 12.1%
2024 · €176k
2018: €285k
2019: €118k
2020: €130k
2021: €136k
2022: €176k
2023: €177k
2024: €176k
2018 → 2025
Solvency
9.4%▼ 3.4pp
2024 · 12.8%
2018: 82.1%
2019: 24.1%
2020: 20.6%
2021: 52.6%
2022: 47.1%
2023: 64.7%
2024: 12.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€72k-€83k▲ 15.8%€115k▲ 38.4%€23k▼ 80.3%€19k▼ 17.6%
Operating result€133k-€89k▼ 32.9%€120k▲ 34.1%€120k=€138k▲ 15.2%
Net result€105k-€71k▼ 32.1%€94k▲ 31.6%€94k=€108k▲ 14.6%
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 15% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €198k
Fixed assets
€29k ▼ 34.2%
Current assets
€169k ▲ 27.5%
Equity and liabilities €198k
Equity
€19k ▼ 17.6%
Debt
€179k ▲ 16.4%
Debt's share of the balance-sheet total rises from 87.2% to 90.6%. Equity is lower and debt is higher.
Key figures and ratios
ROE
578.2%▲
2024 · 415.9%
ROA
54.4%▲
2024 · 53.2%
Debt ≤ 1 year
€179k▲
2024 · €154k
Income taxes
€31k▲
2024 · €26k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€176k€198k▲
Fixed assets21/28€44k€29k▼
Tangible fixed assets22/27€43k€28k▼
Plant, machinery and equipment23€515€2k▲
Furniture and vehicles24€43k€26k▼
Financial fixed assets28€750€750=
Current assets29/58€132k€169k▲
Amounts receivable within one year40/41€46k€53k▲
Trade receivables40€45k€46k▲
Other amounts receivable41€980€6k▲
Cash at bank and in hand54/58€85k€114k▲
Deferred charges and accrued income490/1€802€2k▲
Equity and liabilities
Total equity and liabilities10/49€176k€198k▲
Equity10/15€23k€19k▼
Contributions10/11€19k€19k=
Reserves13€4k€0▼
Distributable reserves133€4k€0▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€154k€179k▲
Amounts payable within one year42/48€154k€179k▲
Trade debts44€1k€4k▲
Suppliers440/4€1k€4k▲
Taxes, remuneration and social security45€19k€9k▼
Taxes450/3€19k€9k▼
Other amounts payable47/48€134k€167k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€17k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€139k€157k▲
Operating profit (loss)9901€120k€138k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€40€40▲
Recurring financial charges65€40€40▲
Profit (loss) for the period before taxes9903€120k€138k▲
Income taxes67/77€26k€31k▲
Profit (loss) for the period9904€94k€108k▲
Profit (loss) for the period to be appropriated9905€94k€108k▲
Appropriation of the result
Profit (loss) to be appropriated9906€94k€108k▲
Transfer from equity791/2€186k€4k▼
Transfer to equity691/2€94k€0▼
To other reserves6921€94k€0▼
Profit to be distributed694/7€186k€112k▼
Return on contributions (dividend)694€186k€112k▼
The notes to these accounts (11 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
10-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €108k ▲14.6%
Operating result €138k, net result €108k, both a record.
18-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €115k ▲38.4%
6 profitable years in a row build equity to €115k.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
13-06
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
2 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, Bonheiden · 1 establishment unit since 2015
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.
Boeimeerstraat 482820 BonheidenGround area
1,262 m²
Building footprint
167 m²
Volume, LiDAR
803 m³
Parcel 12005C0142/00F000, Flanders · tallest building 5.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Consolution
since 20152.238.145.633
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12005C0142/00F000 | Flanders | 1,262 m² | 1 · 167 m² | 5.7 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 885 EUR awarded · 885 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 885 EUR | 885 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 7,170 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
Founded07-01-2015
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
66300Activities auxiliary to financial services and insurance activities
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:kirsten.malfliet@consolution.be