Gwen Consult
ActiveGwen Consult has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €90k and a net result of €11k. Equity is growing by ~19.2% per year across the filed fiscal years. Its solvency ranks better than 65% of 8601 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+54
Solvency93▼-7
Growth35=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 3.14 against 6.48 in 2024; short-term debt: 30.7% of total assets), and 31.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers 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
68.5%
Return on assets
8.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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
30 d late
2024
61 d late
2023
22 d late
2022
9 d late
2021
26 d late
2020
30 d late
2019
25 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€83k▼ 18.6%
2018 · €101k
2018: €101k
2018 → 2019
EBIT margin
-3.1%▼ 24.4pp
2018 · 21.3%
2018: 21.3%
2018 → 2019
Net result
€11k
2024 · €-4k
2018: €18k
2019: €8k
2020: €37k
2021: €40k
2022: €29k
2023: €50k
2024: €-4k
2018 → 2025
Working capital
€86k▼ 38.7%
2024 · €141k
2018: €43k
2019: €73k
2020: €99k
2021: €93k
2022: €125k
2023: €144k
2024: €141k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€98k-€122k▲ 24.4%€149k▲ 22.2%€145k▼ 2.9%€90k▼ 37.9%
Operating result€62k-€42k▼ 32.2%€65k▲ 53.7%€-3k€12k
Net result€40k-€29k▼ 27.4%€50k▲ 72.5%€-4k€11k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €12k after a loss of €3k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €131k
Fixed assets
€5k▼ 46.5%
Current assets
€126k▼ 24.0%
Equity and liabilities €131k
Equity
€90k▼ 37.9%
Debt
€41k▲ 35.3%
The debt ratio rises from 17.4% to 31.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€16k▲
2024 · €2k
Cash flow
€15k▲
2024 · €202
Solvency
68.5%▼
2024 · 82.6%
Current ratio
3.14▼
2024 · 6.48
Quick ratio
3.14▼
2024 · 6.48
Debt / equity
0.46▲
2024 · 0.21
ROE
12.3%▲
2024 · -2.9%
ROA
8.4%▲
2024 · -2.4%
Interest coverage
7.40▲
2024 · 1.10
Debt
€41k▲
2024 · €31k
Debt ≤ 1 year
€40k▲
2024 · €26k
Debt > 1 year
€1k▼
2024 · €5k
Income taxes
€5k
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€175k€131k▼
Fixed assets21/28€9k€5k▼
Tangible fixed assets22/27€9k€5k▼
Furniture and vehicles24€9k€5k▼
Current assets29/58€166k€126k▼
Amounts receivable within one year40/41€166k€126k▼
Trade receivables40€195€14k▲
Other amounts receivable41€166k€112k▼
Deferred charges and accrued income490/1€60€142▲
Equity and liabilities
Total equity and liabilities10/49€175k€131k▼
Equity10/15€145k€90k▼
Contributions10/11€12k€12k=
Outside capital11€12k€12k=
Other1109/19€12k€12k=
Reserves13€137k€82k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€135k€80k▼
Profit (loss) carried forward14€-4k€-4k=
Amounts payable17/49€31k€41k▲
Amounts payable after more than one year17€5k€1k▼
Financial debts170/4€5k€1k▼
Amounts payable within one year42/48€26k€40k▲
Current portion of amounts payable after more than one year42€3k€4k▲
Financial debts43€10k€11k▲
Credit institutions430/8€10k€11k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€313€13k▲
Taxes450/3€313€13k▲
Other amounts payable47/48€10k€10k=
Income statement
Code20242025
Non-recurring operating income76A€7k-
Goods, raw materials, services and sundry goods60/61€72k€53k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▼
Other operating charges640/8€929€652▼
Gross operating margin9900€3k€17k▲
Operating profit (loss)9901€-3k€12k▲
Financial income75/76B€45€6k▲
Recurring financial income75€45€6k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€-4k€16k▲
Income taxes67/77-€5k
Profit (loss) for the period9904€-4k€11k▲
Profit (loss) for the period to be appropriated9905€-4k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€7k▲
Profit (loss) brought forward from the previous period14P-€-4k
Transfer from equity791/2-€66k
Transfer to equity691/2-€11k
To other reserves6921-€11k
Profit to be distributed694/7-€66k
Return on contributions (dividend)694-€66k
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
Next filing, fiscal year 2026, expected by
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 30 days late
2025
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €-4k ▼109%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
31-12
Financial
Highest result since 2018net €50k ▲72.5%
Operating result €65k, net result €50k, both a record.
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
31-12
Financial
Equity above €100kEq €122k ▲24.4%
5 profitable years in a row build equity to €122k.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Zoersel · 1 establishment unit since 2005
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.
Peggerstraat 202980 ZoerselGround area
1,143 m²
Building footprint
190 m²
Volume, LiDAR
985 m³
Parcel 11017B0217/00N003, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Peggerstraat 20, 2980 Zoersel
since 20052.213.894.940
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11017B0217/00N003 | Flanders | 1,143 m² | 1 · 190 m² | 8.6 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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Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 40,436 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-07-2005
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 20 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.