DUFAYS CONSULTING
ActiveDUFAYS CONSULTING has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-193k) and a net result of €-48k. Equity is shrinking by ~26.9% per year across the filed fiscal years. Its solvency ranks better than 9% of 26052 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
24
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-92
Solvency0=
Growth29▼-17
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.21 against 0.33 in 2023; short-term debt: 118.9% and cash: 1.6% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
-97.2%
Return on assets
-24%
Age of the figures
21 mo
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €-193k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
60 d late
2023
26 d late
2022
60 d late
2021
59 d late
2020
51 d late
2019
122 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€48k▼ 7.9%
2021 · €53k
2018: €55k
2019: €53k
2020: €48k
2021: €53k
2018 → 2022
EBIT margin
-75.8%▲ 21.6pp
2021 · -97.4%
2018: -77.2%
2019: -145.5%
2020: -84.1%
2021: -97.4%
2018 → 2022
Net result
€-48k
2023 · €30k
2018: €-42k
2019: €-77k
2020: €-41k
2021: €-51k
2022: €-37k
2023: €30k
2018 → 2024
Working capital
€-186k▼ 85.2%
2023 · €-101k
2018: €19k
2019: €34k
2020: €55k
2021: €5k
2022: €-28k
2023: €-101k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€48k-€53k▲ 9.3%€48k▼ 7.9%
Equity€-87k-€-138k▼ 59.3%€-176k▼ 26.9%€-145k▲ 17.3%€-193k▼ 32.9%
Operating result€-40k-€-51k▼ 26.6%€-37k▲ 28.3%€31k€-47k
Net result€-41k-€-51k▼ 26.7%€-37k▲ 27.6%€30k€-48k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €47k after €31k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €198k
Fixed assets
€149k▲ 34.3%
Current assets
€50k▼ 1.3%
Key figures and ratios
EBITDA
€-26k▼
2023 · €41k
Cash flow
€-26k▼
2023 · €40k
Solvency
-97.2%▼
2023 · -90.1%
Current ratio
0.21▼
2023 · 0.33
Quick ratio
0.10▼
2023 · 0.17
Debt / equity
-2.03▲
2023 · -2.11
ROA
-24.0%▼
2023 · 18.9%
Interest coverage
-39.56▼
2023 · 63.46
Debt
€391k▲
2023 · €306k
Debt ≤ 1 year
€236k▲
2023 · €151k
Debt > 1 year
€155k=
2023 · €155k
Staff costs
€853▲
2023 · €35
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€161k€198k▲
Fixed assets21/28€111k€149k▲
Intangible fixed assets21€8k€7k▼
Tangible fixed assets22/27€103k€142k▲
Land and buildings22€86k€128k▲
Plant, machinery and equipment23€2k€347▼
Furniture and vehicles24€477€309▼
Leasing and similar rights25-€0
Other tangible fixed assets26€58€0▼
Assets under construction and advance payments27€15k€13k▼
Current assets29/58€50k€50k▼
Stocks and contracts in progress3€25k€25k=
Stocks30/36€25k€25k=
Amounts receivable within one year40/41€16k€20k▲
Trade receivables40€3k€0▼
Other amounts receivable41€13k€20k▲
Cash at bank and in hand54/58€7k€3k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€161k€198k▲
Equity10/15€-145k€-193k▼
Contributions10/11€56k€56k=
Reserves13€62k€62k=
Non-distributable reserves130/1€6k€6k=
Reserves not available under the articles1311€6k€6k=
Distributable reserves133€56k€56k=
Profit (loss) carried forward14€-263k€-311k▼
Amounts payable17/49€306k€391k▲
Amounts payable after more than one year17€155k€155k=
Other amounts payable178/9€155k€155k=
Amounts payable within one year42/48€151k€236k▲
Trade debts44€0€0=
Advances received on contracts in progress46-€14k
Taxes, remuneration and social security45€12k€3k▼
Taxes450/3€11k€3k▼
Remuneration and social security454/9€491€491=
Other amounts payable47/48€139k€219k▲
Income statement
Code20232024
Goods, raw materials, services and sundry goods60/61-€0
Remuneration, social security and pensions62€35€853▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€21k▲
Other operating charges640/8€1k-
Gross operating margin9900€42k€-25k▼
Operating profit (loss)9901€31k€-47k▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€645€646▲
Recurring financial charges65€645€646▲
Profit (loss) for the period before taxes9903€30k€-48k▼
Profit (loss) for the period9904€30k€-48k▼
Profit (loss) for the period to be appropriated9905€30k€-48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-263k€-311k▼
Profit (loss) brought forward from the previous period14P€-293k€-263k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Back to profitnet €30k
Net result €30k after 5 loss-making years.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
2021
20-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 51 days late
2020
31-12
Financial
Liquidity times 69current ratio 357.42
Current ratio from 5.22 to 357.42; short-term debt falls from €8k to €155.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
31-12
Financial
Weakest financial yearnet €-77k
Net result drops to €-77k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 5.22
Current ratio from 2.19 to 5.22; short-term debt falls from €16k to €8k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
11-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 42 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 30 days late
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, Bassenge · 1 establishment unit since 1989
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.
Route Provinciale 224690 BassengeGround area
278 m²
Building footprint
77 m²
Volume, LiDAR
463 m³
Parcel 62044C0947/00D002, Wallonia · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Route Provinciale 22, 4690 Bassenge
since 19892.045.264.202
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62044C0947/00D002 | Wallonia | 278 m² | 1 · 77 m² | 7.6 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.
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KLAAR OPTIEK
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Of 1,729 companies in sector 47742 we hold annual accounts for 1,138. 823 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-03-1989
Fiscal year end31-12
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
52485
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.