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NOTE CONSULT

Active
Monseigneur De Haernelaan(Kor) 57 ·8500 Kortrijk, Belgium
KBO/BCE: BE 0715.944.330
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Age7 yrs
Real estate1 parcel · 195 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of NOTE CONSULT is 0.5% (very low). The 2025 annual accounts show equity of €25k and a net result of €106k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 25% of 280 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Signals

2 signals · with evidence
Consistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend
Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-03-2026, 137 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 7 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 16-03-2026 137 d early 2026-00055953
31-12-2024 31-07-2025 18-04-2025 104 d early 2025-00074904
31-12-2023 31-07-2024 05-04-2024 117 d early 2024-00059557
31-12-2022 31-07-2023 14-07-2023 17 d early 2023-00246539
31-12-2021 31-07-2022 15-07-2022 16 d early 2022-20208797
31-12-2020 31-07-2021 16-07-2021 15 d early 2021-36400240
31-12-2019 31-07-2020 14-07-2020 17 d early 2020-30400076

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2018, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.5% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€106k-13.8%
Working capital€14k+10.7%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 16-03-2026 with the NBB · fiscal year 2025 · micro
€0€50k€100k€150kOperating result 2021: €61k€61kNet result 2021: €48k€48kOperating result 2022: €125k€125kNet result 2022: €97k€97kOperating result 2023: €163k€163kNet result 2023: €125k€125kOperating result 2024: €159k€159kNet result 2024: €123k€123kOperating result 2025: €137k€137kNet result 2025: €106k€106k20212022202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
volatile Too volatile to project: the yearly deviation from the trend is ~36% of the level (threshold 35%). We therefore deliberately show no projection line.
€0€50k€100k€150k2019: €77k2020: €102k2021: €150k2022: €22k2023: €22k2024: €25k2025: €25k2019202020212022202320242025
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 63 · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 16.8% 58.1%
better than 25% of 280 sector peers
Net result €106k €31k
better than 89% of 280 sector peers
Equity €25k €51k
better than 37% of 280 sector peers
Gross operating margin €147k €50k
better than 88% of 279 sector peers
Total assets €148k €123k
better than 58% of 280 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
Solvency P25
2020: P81 · n=842021: P93 · n=2282022: P20 · n=4462023: P15 · n=6522024: P18 · n=8172025: P25 · n=2802020 2025
Weakening position over 2020-2025 · n=84-817
Net result P89
2020: P67 · n=842021: P83 · n=2282022: P92 · n=4452023: P95 · n=6502024: P94 · n=8162025: P89 · n=2802020 2025
Improving position over 2020-2025 · n=84-816
Equity P37
2020: P70 · n=842021: P88 · n=2282022: P39 · n=4462023: P36 · n=6522024: P36 · n=8172025: P37 · n=2802020 2025
Weakening position over 2020-2025 · n=84-817
Gross operating margin P88
2020: P50 · n=832021: P75 · n=2262022: P91 · n=4442023: P95 · n=6472024: P92 · n=8162025: P88 · n=2792020 2025
Improving position over 2020-2025 · n=83-816
Describes the position versus peers, not a forecast.
EBITDA
€147k
-13.3% 19-25
Net profit
€106k
-13.8% 19-25
Cash flow
€115k
-13.0% 19-25
Total assets
€148k
-17.9% 19-25
Equity
€25k
+0.4% 19-25
Working capital
€14k
+10.7% 19-25
Income taxes
€31k
-14.1% 19-25
Dividends
€106k
-11.9% 19-25
Debt
€123k
-20.8% 19-25
Debt ≤ 1y
€114k
-18.0% 19-25
Debt > 1y
€9k
-43.9% 19-25
Current ratio
1.12
+3.0% 19-25
Quick ratio
1.12
+3.0% 19-25
Solvency
16.8%
+22.2% 19-25
Debt / equity
4.94
-21.1% 19-25
ROE
424.6%
-14.1% 19-25
ROA
71.5%
+5.0% 19-25
Interest coverage
220.63
+0.8% 19-25
Figures by fiscal year
Fiscal year2025
Depositmicro
Revenue-
EBITDA€147k
Net profit€106k
Cash flow€115k
Staff costs-
Income taxes€31k
Dividends€106k
Total assets€148k
Equity€25k
Debt€123k
of which ≤ 1y€114k
of which > 1y€9k
Working capital€14k
Employees (FTE)-
Ratios (computed)
2025
Current ratio1.12
Quick ratio1.12
Working capital ratio9.6%
Solvency16.8%
Debt / equity4.94
Long-term debt ratio0.38
Interest coverage220.63
Gross margin-
Net margin-
ROA71.5%
ROE424.6%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€148k
Fixed assets 21/28€20k
Tangible fixed assets 22/27€20k
Current assets 29/58€128k
Amounts receivable within one year 40/41€21k
Cash & bank 54/58€105k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€148k
Equity 10/15€25k
Contributions / capital 10/11€19k
Reserves 13€6k
Amounts payable 17/49€123k
Amounts payable after one year 17€9k
Amounts payable within one year 42/48€114k
Trade debts payable within one year 44€1k
Income statement
Gross operating margin 9900€147k
Operating result 9901€137k
Financial income 75€437
Financial charges 65€664
Result before taxes 9903€137k
Income taxes 67/77€31k
Net result for the period 9904€106k
Result to be appropriated 9905€106k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
68 / 100 Healthy
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Monseigneur De Haernelaan(Kor) 578500 Kortrijk

Establishment units

1 location
NOTE CONSULT
Monseigneur De Haernelaan(Kor) 57, 8500 KortrijkOverige dienstverlenende activiteiten op het gebied van informatie, n.e. g.
since 20192.283.253.801
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area195 m²
Buildings1
Building footprint125 m²
Volume (LiDAR)1,393 m³
Tallest building15.3 m · ±4 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
34022E0070/00B008 Flanders 195 m² 1 · 124 m² 15.3 m · 4 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health68Profitability100Solvency25Growth58Stability100
70 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 68
Profitability 100
Solvency 25
Growth 58
Stability 100

Ask AI about this company

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 655 of the 3,150 companies in this sector. 548 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Overige dienstverlenende activiteiten op het gebied van informatie63920Overige dienstverlenende activiteiten op het gebied van informatie, n.e. g.63990Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Administratieve en ondersteunende activiteiten ten behoeve van kantoren82100Diverse administratieve activiteiten ten behoeve van kantoren82110Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameNL NOTE CONSULT
Registered office
Monseigneur De Haernelaan(Kor) 57
8500 Kortrijk, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.