FIVE CONSULT
ActiveFIVE CONSULT has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €4k. Equity is shrinking by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 45% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +54 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency90▲+19
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.79 against 1.28 in 2024), but 50.3% of the assets are financed with debt.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
49.7%
Return on assets
10%
Age of the figures
8 mo
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 24-03-2026, 129 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
129 d early
2024
on the day
2023
8 d early
2022
23 d late
2021
6 d early
2020
29 d early
2019
17 d late
← before the deadline
after the deadline →
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€21k▲ 1.2%
2024 · €21k
2018: €41k
2019: €30k
2020: €30k
2021: €25k
2022: €25k
2023: €35k
2024: €21k
2018 → 2025
Total assets
€42k▼ 12.7%
2024 · €49k
2018: €55k
2019: €38k
2020: €52k
2021: €44k
2022: €74k
2023: €65k
2024: €49k
2018 → 2025
Net result
€4k
2024 · €-10k
2018: €-5k
2019: €-11k
2020: €9k
2021: €2k
2022: €4k
2023: €17k
2024: €-10k
2018 → 2025
Working capital
€13k▲ 107%
2024 · €6k
2018: €32k
2019: €28k
2020: €34k
2021: €26k
2022: €24k
2023: €17k
2024: €6k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€25k=€35k▲ 42.0%€21k▼ 40.4%€21k▲ 1.2%
Operating result€4k-€6k▲ 63.3%€25k▲ 335%€-10k€5k
Net result€2k-€4k▲ 100%€17k▲ 394%€-10k€4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €5k after a loss of €10k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €42k
Fixed assets
€13k▼ 36.3%
Current assets
€30k▲ 3.3%
Equity and liabilities €42k
Equity
€21k▲ 1.2%
Debt
€21k▼ 23.1%
The debt ratio falls from 57.1% to 50.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€12k▲
2024 · €-3k
Cash flow
€11k▲
2024 · €-3k
Solvency
49.7%▲
2024 · 42.9%
Current ratio
1.79▲
2024 · 1.28
Quick ratio
1.79▲
2024 · 1.28
Debt / equity
1.01▼
2024 · 1.33
ROE
20.1%▲
2024 · -48.7%
ROA
10.0%▲
2024 · -20.9%
Interest coverage
77.47▲
2024 · -10.72
Debt
€21k▼
2024 · €28k
Debt ≤ 1 year
€17k▼
2024 · €23k
Income taxes
€810▲
2024 · €150
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€49k€42k▼
Fixed assets21/28€20k€13k▼
Tangible fixed assets22/27€20k€13k▼
Furniture and vehicles24€20k€13k▼
Current assets29/58€29k€30k▲
Amounts receivable within one year40/41€14k€14k▲
Trade receivables40€8k€12k▲
Other amounts receivable41€6k€2k▼
Current investments50/53€7k€501▼
Cash at bank and in hand54/58€7k€13k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€49k€42k▼
Equity10/15€21k€21k▲
Contributions10/11€6k€6k=
Reserves13€32k€28k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€30k€26k▼
Profit (loss) carried forward14€-17k€-13k▲
Amounts payable17/49€28k€21k▼
Amounts payable within one year42/48€23k€17k▼
Trade debts44€676€509▼
Suppliers440/4€676€509▼
Taxes, remuneration and social security45€8k€5k▼
Taxes450/3€8k€5k▼
Other amounts payable47/48€14k€12k▼
Accrued charges and deferred income492/3€5k€5k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▲
Other operating charges640/8€544€743▲
Gross operating margin9900€-2k€13k▲
Operating profit (loss)9901€-10k€5k▲
Financial income75/76B€90€136▲
Recurring financial income75€90€136▲
Financial charges65/66B€281€158▼
Recurring financial charges65€281€158▼
Profit (loss) for the period before taxes9903€-10k€5k▲
Income taxes67/77€150€810▲
Profit (loss) for the period9904€-10k€4k▲
Profit (loss) for the period to be appropriated9905€-10k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-17k€-13k▲
Profit (loss) brought forward from the previous period14P€-7k€-17k▼
Transfer from equity791/2€4k€4k=
Profit to be distributed694/7€4k€4k=
Return on contributions (dividend)694€4k€4k=
The notes to these accounts (6 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
24-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €17k ▲394%
Operating result €25k, net result €17k, both a record.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2019
31-12
Financial
Weakest financial yearnet €-11k
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 1 day late
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-07
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
no sitting director, no change since 2014
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
14-04-2014
Resigned as Managing director
Location & real-estate footprint
Registered office, Sint-Lambrechts-Woluwe · 1 establishment unit since 2007
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.
Kellestraat 821200 Sint-Lambrechts-WoluweGround area
65 m²
Building footprint
56 m²
Volume, LiDAR
396 m³
Parcel 21018B0238/00F003, Brussels · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FIVE CONSULT SPRL
since 20072.163.526.305
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21018B0238/00F003 | Brussels | 65 m² | 1 · 56 m² | 10.6 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.
Similar companies · same sector, comparable size
A.M. CONSULTING & MANAGEMENT
BE 0809.890.909
Nivelles · Eq €21k
MINKA ADVICE
BE 1013.698.696
Villers-la-Ville · Eq €21k
CUDOPIX
BE 0776.505.883
Huldenberg · Eq €21k
JYB
BE 0761.617.967
Antwerpen · Eq €21k
ORITO
BE 0669.526.860
Schaarbeek · Eq €21k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 31,027 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-03-2007
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
74501
82990Other business support services
78100Employment placement agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.