CREDECONSULT
ActiveCREDECONSULT has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €42k and a net result of €2k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 85% of 2281 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability74▼-13
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 9.21 against 9.31 in 2023; short-term debt: 10.6% and cash: 87.5% of total assets), and 12.4% 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+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
87.6%
Return on assets
4.3%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-07-2025, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
30 d early
2023
36 d early
2022
41 d early
2021
34 d early
2020
31 d early
2019
24 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€42k▼ 2.0%
2023 · €43k
2018: €39k
2019: €40k
2020: €41k
2021: €49k
2022: €39k
2023: €43k
2018 → 2024
Total assets
€48k▼ 1.7%
2023 · €49k
2018: €41k
2019: €43k
2020: €44k
2021: €55k
2022: €57k
2023: €49k
2018 → 2024
Net result
€2k▼ 71.9%
2023 · €7k
2018: €680
2019: €1k
2020: €2k
2021: €7k
2022: €5k
2023: €7k
2018 → 2024
Working capital
€42k▼ 0.8%
2023 · €42k
2018: €38k
2019: €39k
2020: €40k
2021: €48k
2022: €37k
2023: €42k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€41k-€49k▲ 18.2%€39k▼ 20.9%€43k▲ 10.9%€42k▼ 2.0%
Operating result€2k-€11k▲ 464%€7k▼ 35.6%€10k▲ 38.0%€3k▼ 68.7%
Net result€2k-€7k▲ 361%€5k▼ 35.5%€7k▲ 50.2%€2k▼ 71.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 69% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €48k
Fixed assets
€931▼ 35.5%
Current assets
€47k▼ 0.6%
Equity and liabilities €48k
Equity
€42k▼ 2.0%
Debt
€6k▲ 0.9%
The debt ratio rises from 12.1% to 12.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€4k▼
2023 · €11k
Cash flow
€3k▼
2023 · €8k
Solvency
87.6%▼
2023 · 87.9%
Current ratio
9.21▼
2023 · 9.31
Quick ratio
9.21▼
2023 · 9.31
Debt / equity
0.14▲
2023 · 0.14
ROE
4.9%▼
2023 · 17.0%
ROA
4.3%▼
2023 · 14.9%
Interest coverage
13.42▼
2023 · 41.66
Debt
€6k▲
2023 · €6k
Debt ≤ 1 year
€5k▲
2023 · €5k
Income taxes
€928▼
2023 · €3k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€49k€48k▼
Fixed assets21/28€1k€931▼
Tangible fixed assets22/27€1k€931▼
Furniture and vehicles24€1k€931▼
Current assets29/58€47k€47k▼
Amounts receivable within one year40/41€4k€4k▼
Trade receivables40€3k€2k▼
Other amounts receivable41€1k€2k▲
Cash at bank and in hand54/58€42k€42k▲
Deferred charges and accrued income490/1€948€1k▲
Equity and liabilities
Total equity and liabilities10/49€49k€48k▼
Equity10/15€43k€42k▼
Contributions10/11€19k€19k=
Reserves13€24k€23k▼
Distributable reserves133€24k€23k▼
Amounts payable17/49€6k€6k▲
Amounts payable within one year42/48€5k€5k▲
Trade debts44€194€383▲
Suppliers440/4€194€383▲
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€2k€2k▲
Other amounts payable47/48€3k€3k▼
Accrued charges and deferred income492/3€823€850▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€781▼
Other operating charges640/8€566€528▼
Non-recurring operating charges66A-€15
Gross operating margin9900€11k€4k▼
Operating profit (loss)9901€10k€3k▼
Financial income75/76B€824€244▼
Recurring financial income75€146€244▲
Non-recurring financial income76B€678-
Financial charges65/66B€257€282▲
Recurring financial charges65€257€282▲
Profit (loss) for the period before taxes9903€10k€3k▼
Income taxes67/77€3k€928▼
Profit (loss) for the period9904€7k€2k▼
Profit (loss) for the period to be appropriated9905€7k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€2k▼
Profit (loss) brought forward from the previous period14P€841-
Transfer from equity791/2€2k€3k▲
Transfer to equity691/2€7k€2k▼
To other reserves6921€7k€2k▼
Profit to be distributed694/7€3k€3k▼
Return on contributions (dividend)694€3k€3k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 9.31
Current ratio from 3.09 to 9.31; short-term debt falls from €18k to €5k.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €7k ▲361%
Operating result €11k, net result €7k, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
23-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lede · 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.
Hoogveld 249340 LedeGround area
586 m²
Building footprint
138 m²
Volume, LiDAR
829 m³
Parcel 41034E0231/00A006, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CREDECONSULT
since 20082.167.877.645
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41034E0231/00A006 | Flanders | 586 m² | 1 · 138 m² | 9.4 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 to 2025 · 4 entries · 1,389 EUR awarded · 1,389 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 363 EUR | 363 EUR |
| 2024 | 1 | 336 EUR | 336 EUR |
| 2023 | 1 | 285 EUR | 285 EUR |
| 2022 | 1 | 405 EUR | 405 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,729 companies in sector 63100 we hold annual accounts for 1,273. 897 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2008
Fiscal year end31-12
Activities, NACEBEL
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.