IMPROVE CONSULT
ActiveIMPROVE CONSULT has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €24k and a net result of €7k. Equity is shrinking by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 48% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▲+3
Solvency79▲+5
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.0 against 1.88 in 2024; short-term debt: 46.3% and cash: 7.9% of total assets), and 46.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
53.7%
Return on assets
14.5%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €24k
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
3 d early
2023
30 d late
2022
24 d late
2021
30 d late
2020
26 d late
2019
42 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€24k▲ 37.1%
2024 · €18k
2018: €21k
2019: €19k
2020: €24k
2021: €15k
2022: €14k
2023: €13k
2024: €18k
2018 → 2025
Total assets
€45k▲ 26.0%
2024 · €36k
2018: €60k
2019: €100k
2020: €57k
2021: €39k
2022: €35k
2023: €36k
2024: €36k
2018 → 2025
Net result
€7k▲ 54.2%
2024 · €4k
2018: €64k
2019: €-1k
2020: €15k
2021: €-10k
2022: €-639
2023: €-652
2024: €4k
2018 → 2025
Working capital
€21k▲ 30.6%
2024 · €16k
2018: €18k
2019: €-13k
2020: €-5k
2021: €-7k
2022: €-560
2023: €5k
2024: €16k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15k-€14k▼ 4.3%€13k▼ 4.6%€18k▲ 31.7%€24k▲ 37.1%
Operating result€-9k-€2k€5k▲ 114%€10k▲ 111%€12k▲ 27.9%
Net result€-10k-€-639▲ 93.4%€-652▼ 2.0%€4k€7k▲ 54.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 28% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €45k
Fixed assets
€3k▲ 102%
Current assets
€42k▲ 22.5%
Equity and liabilities €45k
Equity
€24k▲ 37.1%
Debt
€21k▲ 15.2%
The debt ratio falls from 50.7% to 46.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€14k▼
2024 · €17k
Cash flow
€8k▼
2024 · €11k
Solvency
53.7%▲
2024 · 49.3%
Current ratio
2.00▲
2024 · 1.88
Quick ratio
1.81▼
2024 · 1.88
Debt / equity
0.86▼
2024 · 1.03
ROE
27.1%▲
2024 · 24.1%
ROA
14.5%▲
2024 · 11.9%
Interest coverage
17.58▼
2024 · 25.00
Debt
€21k▲
2024 · €18k
Debt ≤ 1 year
€21k▲
2024 · €18k
Income taxes
€5k▲
2024 · €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€36k€45k▲
Fixed assets21/28€2k€3k▲
Intangible fixed assets21€941€3k▲
Tangible fixed assets22/27€549€195▼
Furniture and vehicles24€549€195▼
Financial fixed assets28€120€120=
Current assets29/58€34k€42k▲
Stocks and contracts in progress3-€4k
Stocks30/36-€4k
Amounts receivable within one year40/41€27k€33k▲
Trade receivables40€4k€11k▲
Other amounts receivable41€23k€22k▼
Cash at bank and in hand54/58€6k€4k▼
Deferred charges and accrued income490/1€714€1k▲
Equity and liabilities
Total equity and liabilities10/49€36k€45k▲
Equity10/15€18k€24k▲
Contributions10/11€19k€19k=
Reserves13€2k€6k▲
Distributable reserves133€2k€6k▲
Profit (loss) carried forward14€-3k-
Amounts payable17/49€18k€21k▲
Amounts payable within one year42/48€18k€21k▲
Trade debts44€5k€8k▲
Suppliers440/4€5k€8k▲
Taxes, remuneration and social security45€13k€13k▼
Taxes450/3€13k€13k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€1k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€4k-
Other operating charges640/8€1k€370▼
Gross operating margin9900€22k€14k▼
Operating profit (loss)9901€10k€12k▲
Financial income75/76B-€58
Recurring financial income75-€58
Financial charges65/66B€667€770▲
Recurring financial charges65€667€770▲
Profit (loss) for the period before taxes9903€9k€11k▲
Income taxes67/77€5k€5k▲
Profit (loss) for the period9904€4k€7k▲
Profit (loss) for the period to be appropriated9905€4k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€4k▲
Profit (loss) brought forward from the previous period14P€-7k€-3k▲
Transfer to equity691/2-€4k
To other reserves6921-€4k
The notes to these accounts (10 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €4k
Net result €4k after 3 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €-10k ▼164%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
11-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 42 days late
2019
19-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
07-07
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
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, Amay · 1 establishment unit since 2006
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.
Rue du Chemin de Fer(AMA) 74540 AmayGround area
602 m²
Building footprint
104 m²
Volume, LiDAR
661 m³
Parcel 61003B0295/00A003, Wallonia · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Chemin de Fer(AMA) 7, 4540 Amay
since 20062.151.117.728
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61003B0295/00A003 | Wallonia | 602 m² | 1 · 104 m² | 8.2 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 82,554 companies in sector 70200 we hold annual accounts for 52,573. 32,582 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-01-2006
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 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.