ICO CONSULT
ActiveSummary
ICO CONSULT has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €205k and a net result of €30k. Equity is shrinking by ~5% per year across the filed fiscal years. Its solvency ranks better than 95% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability86=
Solvency100▲+15
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 25.59 against 2.51 in 2024; short-term debt: 3.9% and cash: 94.9% of total assets), and 3.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
96.1%
Return on assets
13.9%
Age of the figures
9 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
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 18-05-2026, 74 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
74 d early
2024
87 d early
2023
71 d early
2022
7 d early
2021
6 d early
2020
2 d early
2019
86 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€205k▲ 16.4%
2024 · €176k
2018: €274k
2019: €299k▲ +9.0% vs 2018
2020: €268k▼ -10.5% vs 2019
2021: €307k▲ +14.6% vs 2020
2022: €310k▲ +0.9% vs 2021highest in 8 years
2023: €241k▼ -22.3% vs 2022
2024: €176k▼ -26.7% vs 2023lowest in 8 years
2025: €205k▲ +16.4% vs 2024
2018 → 2025
Total assets
€214k▼ 27.1%
2024 · €293k
2018: €287k
2019: €311k▲ +8.2% vs 2018
2020: €283k▼ -8.9% vs 2019
2021: €321k▲ +13.3% vs 2020
2022: €323k▲ +0.7% vs 2021highest in 8 years
2023: €263k▼ -18.6% vs 2022
2024: €293k▲ +11.5% vs 2023
2025: €214k▼ -27.1% vs 2024lowest in 8 years
2018 → 2025
Net result
€30k▼ 27.2%
2024 · €41k
2018: €71khighest in 8 years
2019: €25k▼ -65.4% vs 2018
2020: €26k▲ +6.5% vs 2019
2021: €39k▲ +49.2% vs 2020
2022: €3k▼ -92.6% vs 2021lowest in 8 years
2023: €17k▲ +480% vs 2022
2024: €41k▲ +143% vs 2023
2025: €30k▼ -27.2% vs 2024
2018 → 2025
Working capital
€205k▲ 16.5%
2024 · €176k
2018: €249k
2019: €280k▲ +12.5% vs 2018
2020: €253k▼ -9.5% vs 2019
2021: €299k▲ +18.1% vs 2020
2022: €308k▲ +3.0% vs 2021highest in 8 years
2023: €241k▼ -21.9% vs 2022
2024: €176k▼ -26.7% vs 2023lowest in 8 years
2025: €205k▲ +16.5% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€307k-€310k▲ 0.9%€241k▼ 22.3%€176k▼ 26.7%€205k▲ 16.4%
2021: €307k
2022: €310k▲ +0.9% vs 2021highest in 5 years
2023: €241k▼ -22.3% vs 2022
2024: €176k▼ -26.7% vs 2023lowest in 5 years
2025: €205k▲ +16.4% vs 2024
Operating result€35k-€16k▼ 54.5%€31k▲ 97.7%€57k▲ 82.6%€38k▼ 34.0%
2021: €35k
2022: €16k▼ -54.5% vs 2021lowest in 5 years
2023: €31k▲ +97.7% vs 2022
2024: €57k▲ +82.6% vs 2023highest in 5 years
2025: €38k▼ -34.0% vs 2024
Net result€39k-€3k▼ 92.6%€17k▲ 480%€41k▲ 143%€30k▼ 27.2%
2021: €39k
2022: €3k▼ -92.6% vs 2021lowest in 5 years
2023: €17k▲ +480% vs 2022
2024: €41k▲ +143% vs 2023highest in 5 years
2025: €30k▼ -27.2% vs 2024
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 2025; 2025 is 34% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €214k
Equity
€205k ▲ 16.4%
Debt
€8k ▼ 92.8%
Debt's share of the balance-sheet total falls from 39.8% to 3.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€38k▼
2024 · €57k
Cash flow
€30k▼
2024 · €41k
Current ratio
25.59▲
2024 · 2.51
Debt to equity
0.04▼
2024 · 0.66
ROE
14.5%▼
2024 · 23.2%
ROA
13.9%▼
2024 · 14.0%
Interest coverage
218.65▼
2024 · 355.24
Debt ≤ 1 year
€8k▼
2024 · €117k
Income taxes
€12k▼
2024 · €16k
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€293k€214k▼
Fixed assets21/28€141€0▼
Tangible fixed assets22/27€141€0▼
Furniture and vehicles24€141€0▼
Current assets29/58€293k€214k▼
Amounts receivable within one year40/41€11k€10k▼
Trade receivables40€11k€10k▼
Other amounts receivable41€8€0▼
Current investments50/53€0-
Cash at bank and in hand54/58€281k€203k▼
Deferred charges and accrued income490/1€587€1k▲
Equity and liabilities
Total equity and liabilities10/49€293k€214k▼
Equity10/15€176k€205k▲
Contributions10/11€12k€12k=
Reserves13€164k€193k▲
Distributable reserves133€164k€193k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€117k€8k▼
Amounts payable within one year42/48€117k€8k▼
Trade debts44€912€1k▲
Suppliers440/4€912€1k▲
Taxes, remuneration and social security45€10k€6k▼
Taxes450/3€10k€6k▼
Other amounts payable47/48€105k€895▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€234€141▼
Other operating charges640/8€997€2k▲
Gross operating margin9900€58k€39k▼
Operating profit (loss)9901€57k€38k▼
Financial income75/76B€0€4k▲
Recurring financial income75€0€4k▲
Financial charges65/66B€161€172▲
Recurring financial charges65€161€172▲
Profit (loss) for the period before taxes9903€57k€41k▼
Income taxes67/77€16k€12k▼
Profit (loss) for the period9904€41k€30k▼
Profit (loss) for the period to be appropriated9905€41k€30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€41k€30k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€105k€833▼
Transfer to equity691/2€41k€30k▼
To other reserves6921€41k€30k▼
Profit to be distributed694/7€105k€833▼
Return on contributions (dividend)694€105k€833▼
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €7k | €1k | €234 | €141 | ▼ 39.7% |
| Other operating charges640/8 | €1k | €1k | €1k | €997 | €2k | ▲ 59.7% |
| Gross operating margin9900 | €43k | €24k | €33k | €58k | €39k | ▼ 32.4% |
| Operating profit (loss)9901 | €35k | €16k | €31k | €57k | €38k | ▼ 34.0% |
| Financial income75/76B | - | - | €203 | €0 | €4k | - |
| Recurring financial income75 | - | - | €203 | €0 | €4k | - |
| Financial charges65/66B | €45 | €45 | €45 | €161 | €172 | ▲ 7.2% |
| Recurring financial charges65 | €45 | €45 | €45 | €161 | €172 | ▲ 7.2% |
| Profit (loss) for the period before taxes9903 | €35k | €16k | €31k | €57k | €41k | ▼ 26.9% |
| Income taxes67/77 | €-5k | €13k | €14k | €16k | €12k | ▼ 26.0% |
| Profit (loss) for the period9904 | €39k | €3k | €17k | €41k | €30k | ▼ 27.2% |
| Profit (loss) for the period to be appropriated9905 | €39k | €3k | €17k | €41k | €30k | ▼ 27.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €321k | €323k | €263k | €293k | €214k | ▼ 27.1% |
| Fixed assets21/28 | €8k | €2k | €375 | €141 | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €8k | €2k | €375 | €141 | €0 | ▼ 100% |
| Plant, machinery and equipment23 | €390 | €608 | - | - | - | - |
| Furniture and vehicles24 | €7k | €947 | €375 | €141 | €0 | ▼ 100% |
| Current assets29/58 | €313k | €321k | €262k | €293k | €214k | ▼ 27.0% |
| Amounts receivable within one year40/41 | €16k | €11k | €10k | €11k | €10k | ▼ 14.2% |
| Trade receivables40 | €11k | €11k | €9k | €11k | €10k | ▼ 14.2% |
| Other amounts receivable41 | €5k | - | €858 | €8 | €0 | ▼ 100% |
| Current investments50/53 | €133k | €133k | €133k | €0 | - | - |
| Cash at bank and in hand54/58 | €164k | €178k | €119k | €281k | €203k | ▼ 27.8% |
| Deferred charges and accrued income490/1 | - | - | €549 | €587 | €1k | ▲ 89.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €321k | €323k | €263k | €293k | €214k | ▼ 27.1% |
| Equity10/15 | €307k | €310k | €241k | €176k | €205k | ▲ 16.4% |
| Contributions10/11 | €12k | €12k | €12k | €12k | €12k | = |
| Reserves13 | €277k | €277k | €228k | €164k | €193k | ▲ 17.6% |
| Non-distributable reserves130/1 | €2k | - | - | - | - | - |
| Reserves not available under the articles1311 | €2k | - | - | - | - | - |
| Distributable reserves133 | €275k | €277k | €228k | €164k | €193k | ▲ 17.6% |
| Profit (loss) carried forward14 | €18k | €20k | €0 | €0 | €0 | - |
| Amounts payable17/49 | €14k | €13k | €22k | €117k | €8k | ▼ 92.8% |
| Amounts payable within one year42/48 | €14k | €13k | €22k | €117k | €8k | ▼ 92.8% |
| Trade debts44 | - | €1k | €0 | €912 | €1k | ▲ 61.0% |
| Suppliers440/4 | - | €1k | €0 | €912 | €1k | ▲ 61.0% |
| Taxes, remuneration and social security45 | €14k | €12k | €20k | €10k | €6k | ▼ 41.9% |
| Taxes450/3 | €14k | €12k | €20k | €10k | €6k | ▼ 41.9% |
| Other amounts payable47/48 | - | - | €2k | €105k | €895 | ▼ 99.2% |
| Accrued charges and deferred income492/3 | - | - | €430 | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €39k | €3k | €17k | €41k | €30k | ▼ 27.2% |
| + Depreciation and write-downs630 | €7k | €7k | €1k | €234 | €141 | ▼ 39.7% |
| Operating cash flow (approximation) | €46k | €10k | €18k | €41k | €30k | ▼ 27.3% |
| Investment in fixed assets (approximation) | - | €-701 | €0 | €0 | €0 | - |
| Change in cash | - | €14k | €-59k | €162k | €-78k | ▼ 148% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 10current ratio 25.59
Current ratio from 2.51 to 25.59; short-term debt falls from €117k to €8k.
31-12
Financial
Equity above €200kEq €205k ▲16.4%
8 profitable years in a row build equity to €205k.
05-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €3k ▼92.6%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
25-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 86 days late
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-05
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.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
5 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, Dilbeek · 1 establishment unit since 2008
Ground area
618 m²
Building footprint
153 m²
Volume, LiDAR
623 m³
Parcel 23026B0242/00R007, Flanders · tallest building 6.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
ICO CONSULT
since 20082.174.127.811
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23026B0242/00R007 | Flanders | 618 m² | 1 · 153 m² | 6.0 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
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
Elevarit Consulting
BE 0681.507.845
Hasselt · Eq €205,349
SODEV
BE 0683.631.749
Wetteren · Eq €205,357
D.C.
BE 0436.637.976
Tubize · Eq €205,332
BIOAWARE
BE 0472.477.102
Hannut · Eq €205,295
EASY ACTION
BE 0475.228.932
Rebecq · Eq €205,421
Of 29,993 companies in sector 62200 we hold annual accounts for 18,396. 14,613 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded31-10-2008
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
58290Other software publishing
Contact
E-mail
coucki@hotmail.comDilbeek
Phone
0479/983993Dilbeek
Scores and ratios are computed by Checked and are not a credit decision.