Age13 yrs
Real estate1 parcel · 935 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of OBJECTIF CONSULT is 0.4% (very low). The 2024 annual accounts show equity of €175k and a net result of €-19k. Equity is growing by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 86% of 4962 sector peers (fiscal year 2024). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 5 annual accounts.
Signals
1 signal · with evidenceStrong solvency vs sector
Solvency is in the sector's strongest quartile: better than 86% of 4962 peers (2024). A comfortable equity buffer.
View the sector comparison 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-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 15 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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.
How we compute the deadline
The year end is derived from 10 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 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 30-09-2025 | 61 d late | 2025-00520058 |
| 31-12-2023 | 31-07-2024 | 30-09-2024 | 61 d late | 2024-00479528 |
| 31-12-2021 | 31-07-2022 | 16-09-2022 | 47 d late | 2022-20431152 |
| 31-12-2020 | 31-07-2021 | 14-10-2021 | 75 d late | 2021-72100027 |
| 31-12-2019 | 31-07-2020 | 18-09-2020 | 49 d late | 2020-54200174 |
| 31-12-2017 | 31-07-2018 | 22-06-2018 | 39 d early | 2018-22400401 |
| 31-12-2016 | 31-07-2017 | 08-08-2017 | 8 d late | 2017-42300421 |
| 31-12-2015 | 31-07-2016 | 29-06-2016 | 32 d early | 2016-26100356 |
| 31-12-2014 | 31-07-2015 | 31-07-2015 | on the day | 2015-38900109 |
| 31-12-2013 | 31-07-2014 | 12-06-2014 | 49 d early | 2014-17500183 |
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 signalsEstablished
Founded in 2013, 13 years in business.
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 everyone0.4%
Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Annual accounts: weaker financial profile
+Long track record
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Turnover€327k
EBIT margin8.4%
Net result€-19k
Working capital€162k-8.9%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 30-09-2025 with the NBB · fiscal year 2024 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~12.5%/year over 5 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
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 2024 · NACE 68, Real estate activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 73.6% | 16.7% | |
| Net result | €-19k | €2k | |
| Equity | €175k | €27k | |
| Gross operating margin | €6k | €27k | |
| Total assets | €238k | €302k |
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).
P86
Stable position over 2020-2024
· n=904-4962
P19
Weakening position over 2020-2024
· n=903-4954
P82
Improving position over 2020-2024
· n=904-4965
P31
Weakening position over 2020-2024
· n=903-4948
Describes the position versus peers, not a forecast.
€327k
-
19-24
€4k
-77.8%
19-24
€-19k
-
19-24
€-10k
-
19-24
€238k
-12.8%
19-24
€175k
-9.9%
19-24
€162k
-8.9%
19-24
€13k
+172.5%
19-24
€15k
0.0%
19-24
€63k
-20.0%
19-24
€53k
-17.0%
19-24
€10k
-32.9%
19-24
4.07
+7.2%
19-24
1.27
-6.6%
19-24
73.6%
+3.3%
19-24
0.36
-11.2%
19-24
-11.0%
-
19-24
-8.1%
-
19-24
5.3%
-
19-24
8.6%
-
19-24
3.31
-75.9%
19-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €4k |
| Net profit | €-19k |
| Cash flow | €-10k |
| Staff costs | - |
| Income taxes | €13k |
| Dividends | - |
| Total assets | €238k |
| Equity | €175k |
| Debt | €63k |
| of which ≤ 1y | €53k |
| of which > 1y | €10k |
| Working capital | €162k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 4.07 |
| Quick ratio | 1.27 |
| Working capital ratio | 68.2% |
| Solvency | 73.6% |
| Debt / equity | 0.36 |
| Long-term debt ratio | 0.06 |
| Interest coverage | 3.31 |
| Gross margin | - |
| Net margin | - |
| ROA | -8.1% |
| ROE | -11.0% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €238k |
| Fixed assets | 21/28 | €23k |
| Tangible fixed assets | 22/27 | €23k |
| Current assets | 29/58 | €215k |
| Stocks & contracts in progress | 3 | €148k |
| Amounts receivable within one year | 40/41 | €448 |
| Cash & bank | 54/58 | €67k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €238k |
| Equity | 10/15 | €175k |
| Contributions / capital | 10/11 | €13k |
| Reserves | 13 | €62k |
| Accumulated profits (losses) | 14 | €101k |
| Amounts payable | 17/49 | €63k |
| Amounts payable after one year | 17 | €10k |
| Amounts payable within one year | 42/48 | €53k |
| Trade debts payable within one year | 44 | €16k |
| Income statement | ||
| Gross operating margin | 9900 | €6k |
| Operating result | 9901 | €-5k |
| Financial charges | 65 | €1k |
| Result before taxes | 9903 | €-6k |
| Income taxes | 67/77 | €13k |
| Net result for the period | 9904 | €-19k |
| Result to be appropriated | 9905 | €-19k |
You are seeing the latest fiscal year only. 4 prior years (figures + ratios) are in a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed70
/ 100
Healthy
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.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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 Vicinal 25333 AssesseEstablishment units
1 locationObjectif Consult
since 20132.218.010.116
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area935 m²
Buildings1
Building footprint71 m²
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92116A0155/00D000 | Wallonia | 935 m² | 1 · 71 m² | - |
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
Belgisch Staatsblad · acts
1 acts Address history · 1
31-08-2023
Registered-office move
All acts · 1
updated 2 years ago
2023
31-08-2023 Registered office moved from Faulx-les-Tombes to Sorrinne-La-Longue
- 5340 Faulx-les-Tombes (Gesves), Chaussée de Gramptinne, 83 → 5333 Sorinne-La-Longue, rue du Vicinal, 2 A
Notary:
Quentin DELWART · Havelange
Analysis
Snowflake analysis
financial profile on 5 axes64
/ 100
Strong profile, led by solvency.
All 5 axes are computed from data Checked has read.
Health
70
Profitability
0
Solvency
100
Growth
52
Stability
100
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 1,384 of the 11,733 companies in this sector. 977 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
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Primary activity highlighted.
Names & trade names
| Legal nameFR | OBJECTIF CONSULT |
Registered office
Rue du Vicinal 2 bus A
5333 Assesse, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.