NAFCONSULT
ActiveSummary
NAFCONSULT has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €583k and a net result of €29k. Equity is growing by ~22% per year across the filed fiscal years. Its solvency ranks better than 37% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability62▼-14
Solvency67▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity short (current ratio 0.87 against 2.47 in 2024; short-term debt: 6.6% and cash: 2.4% of total assets), and 58% 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
42%
Return on assets
2.1%
Age of the figures
12 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 30-09-2025 was due by 30-04-2026 and was filed on 28-04-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
28 d early
2023
32 d early
2022
30 d early
2021
32 d early
2020
31 d early
2019
23 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€583k▲ 5.1%
2024 · €555k
2018: €77k
2019: €148k
2020: €227k
2021: €299k
2022: €404k
2023: €487k
2024: €555k
2018 → 2025
Total assets
€1.39M▲ 10.1%
2024 · €1.26M
2018: €1.30M
2019: €1.26M
2020: €1.25M
2021: €1.22M
2022: €1.26M
2023: €1.25M
2024: €1.26M
2018 → 2025
Net result
€29k▼ 59.9%
2024 · €73k
2018: €20k
2019: €72k
2020: €79k
2021: €73k
2022: €106k
2023: €85k
2024: €73k
2018 → 2025
Working capital
€-12k
2024 · €89k
2018: €-78k
2019: €-79k
2020: €-87k
2021: €-92k
2022: €-20k
2023: €19k
2024: €89k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€299k-€404k▲ 35.1%€487k▲ 20.7%€555k▲ 13.9%€583k▲ 5.1%
Operating result€117k-€173k▲ 47.3%€149k▼ 13.6%€141k▼ 5.4%€77k▼ 45.7%
Net result€73k-€106k▲ 44.8%€85k▼ 19.9%€73k▼ 13.2%€29k▼ 59.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 46% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.39M
Fixed assets
€1.31M ▲ 17.8%
Current assets
€79k ▼ 47.2%
Equity and liabilities €1.39M
Equity
€583k ▲ 5.1%
Debt
€806k ▲ 14.0%
Debt's share of the balance-sheet total rises from 56.0% to 58.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€158k▼
2024 · €186k
Cash flow
€111k▼
2024 · €118k
Current ratio
0.87▼
2024 · 2.47
Debt to equity
1.38▲
2024 · 1.27
ROE
5.1%▼
2024 · 13.2%
ROA
2.1%▼
2024 · 5.8%
Interest coverage
4.88▼
2024 · 5.99
Debt ≤ 1 year
€91k▲
2024 · €61k
Debt > 1 year
€696k▲
2024 · €626k
Income taxes
€16k▼
2024 · €37k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.26M€1.39M▲
Fixed assets21/28€1.11M€1.31M▲
Tangible fixed assets22/27€490k€688k▲
Land and buildings22€490k€688k▲
Financial fixed assets28€622k€622k=
Current assets29/58€150k€79k▼
Amounts receivable within one year40/41€17k€43k▲
Trade receivables40€15k€35k▲
Other amounts receivable41€2k€8k▲
Current investments50/53€105k-
Cash at bank and in hand54/58€24k€33k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€1.26M€1.39M▲
Equity10/15€555k€583k▲
Contributions10/11€50k€50k=
Reserves13€502k€531k▲
Distributable reserves133€502k€531k▲
Profit (loss) carried forward14€3k€2k▼
Amounts payable17/49€707k€806k▲
Amounts payable after more than one year17€626k€696k▲
Financial debts170/4€626k€696k▲
Amounts payable within one year42/48€61k€91k▲
Current portion of amounts payable after more than one year42€31k€61k▲
Trade debts44€8k€10k▲
Suppliers440/4€8k€10k▲
Taxes, remuneration and social security45€14k€9k▼
Taxes450/3€14k€9k▼
Other amounts payable47/48€7k€11k▲
Accrued charges and deferred income492/3€20k€19k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€44k€82k▲
Other operating charges640/8€7k€5k▼
Gross operating margin9900€192k€163k▼
Operating profit (loss)9901€141k€77k▼
Financial income75/76B€529€1k▲
Recurring financial income75€529€1k▲
Financial charges65/66B€31k€32k▲
Recurring financial charges65€31k€32k▲
Profit (loss) for the period before taxes9903€111k€46k▼
Income taxes67/77€37k€16k▼
Profit (loss) for the period9904€73k€29k▼
Profit (loss) for the period to be appropriated9905€73k€29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€73k€32k▼
Profit (loss) brought forward from the previous period14P-€3k
Transfer from equity791/2€9k-
Transfer to equity691/2€73k€29k▼
To other reserves6921€73k€29k▼
Profit to be distributed694/7€6k€1k▼
Return on contributions (dividend)694€6k€1k▼
The notes to these accounts (8 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
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Liquidity doublescurrent ratio 2.47
Current ratio from 1.21 to 2.47; short-term debt falls from €90k to €61k.
30-09
Financial
Equity above €500kEq €555k ▲13.9%
7 profitable years in a row build equity to €555k.
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2018net €106k ▲44.8%
Operating result €173k, net result €106k, both a record.
29-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Equity above €200kEq €227k ▲53.3%
3 profitable years in a row build equity to €227k.
07-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Equity above €100kEq €148k ▲91.9%
2 profitable years in a row build equity to €148k.
Show earlier events
05-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-04
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
7 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, Oudenaarde · 1 establishment unit since 2011
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.
Gentstraat 889700 OudenaardeGround area
2,357 m²
Building footprint
439 m²
Volume, LiDAR
1,774 m³
Parcel 45508B0125/00H000, Flanders · tallest building 6.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Nafconsult
since 20112.199.594.962
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45508B0125/00H000 | Flanders | 2,357 m² | 1 · 439 m² | 6.9 m · 1 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
Pascaline DUPUIS management
BE 0784.274.494
Ham-sur-Heure-Nalinnes · Eq €583,959
Bruno MICHAUX & Marie THIEBAUT, Notaires associés
BE 0738.390.031
Etterbeek · Eq €582,275
AURELION
BE 0770.665.988
Lievegem · Eq €584,704
CVNOT
BE 0803.832.268
Wingene · Eq €581,714
Notaris Dirk Declercq
BE 0744.413.533
Zwevegem · Eq €581,506
Of 2,258 companies in sector 69102 we hold annual accounts for 1,754. 1,288 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-05-2011
Fiscal year end30-09
Activities, NACEBEL 2025
69102Activities of notaries
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.