PF CONSULT
ActivePF CONSULT has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €416k and a net result of €23k. Equity is shrinking by ~27.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 68% of 310 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
78
/ 100
Excellent▼ -13 vs 2024
The score combines four axes.
Axes · tick = 2024
Profitability28▲+10
Solvency78▼-22
Growth58=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 2.5 in 2024), and 37.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
7 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
62.1%
Return on assets
3.5%
Age of the figures
8 mo
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 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
55 d early
2023
54 d early
2022
28 d early
2021
38 d early
2021
41 d early
2020
45 d early
← 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
04-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€23k▼ 1.8%
2024 · €24k
2023: €23k
2024: €24k
2023 → 2025
Working capital
€5k▼ 97.8%
2024 · €237k
2023: €363k
2024: €237k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€765k-€643k▼ 15.9%€416k▼ 35.3%
Operating result€31k-€30k▼ 3.3%€30k▼ 0.8%
Net result€23k-€24k▲ 3.5%€23k▼ 1.8%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 1% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €670k
Fixed assets
€509k▼ 5.1%
Current assets
€161k▼ 59.3%
Equity and liabilities €670k
Equity
€416k▼ 35.3%
Debt
€254k▼ 11.9%
The debt ratio rises from 30.9% to 37.9%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€57k▼
2024 · €58k
Cash flow
€50k▼
2024 · €52k
Solvency
62.1%▼
2024 · 69.1%
Current ratio
1.03▼
2024 · 2.50
Quick ratio
1.03▼
2024 · 2.50
Debt / equity
0.61▲
2024 · 0.45
ROE
5.6%▲
2024 · 3.7%
ROA
3.5%▲
2024 · 2.6%
Interest coverage
13.21▲
2024 · 9.43
Debt
€254k▼
2024 · €288k
Debt ≤ 1 year
€156k▼
2024 · €158k
Debt > 1 year
€98k▼
2024 · €130k
Income taxes
€7k▼
2024 · €7k
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
Balance sheet
Code2025
Total assets
20/58€670k
Fixed assets
21/28€509k
Tangible fixed assets
22/27€509k
Current assets
29/58€161k
Amounts receivable within one year
40/41€60
Cash & bank
54/58€61k
Total equity & liabilities
10/49€670k
Equity
10/15€416k
Contributions / capital
10/11€55k
Reserves
13€301k
Accumulated profits (losses)
14€3k
Amounts payable
17/49€254k
Amounts payable after one year
17€98k
Amounts payable within one year
42/48€156k
Income statement
Code2025
Gross operating margin
9900€67k
Operating result
9901€30k
Financial income
75€5k
Financial charges
65€4k
Result before taxes
9903€30k
Income taxes
67/77€7k
Net result for the period
9904€23k
Result to be appropriated
9905€23k
This is the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan.
See plans →
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
09-09
State Gazette act
Director changes
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2023net €24k ▲3.5%
Net result €24k, the highest in the series.
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
23-12
State Gazette act
Minor change
Fiscal year change · François ANGENOT
21-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2020
17-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2019
17-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
13-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
21-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
2 of 5 acts read
About the unread acts
Of the 5 Belgian State Gazette acts we know for this company, 2 have been read. The other 3 have not 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
1 director, last change in 2025
TGA CONSULT
CurrentDirector · since 01-09-2025 · Private limited company · perm. rep.: Tanguy GAUTHY
01-09-2025
Appointed as Director
Not every act has been read: a resignation may be missing here
3 of this company's 5 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Thimister-Clermont · 1 establishment unit since 2005
Ground area
5,041 m²
Building footprint
1,137 m²
Volume, LiDAR
8,009 m³
2 parcels, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PF CONSULT
since 20052.149.831.685
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63077C0486/00D000 | Wallonia | 3,053 m² | 1 · 1,020 m² | 8.0 m · 2 fl. |
| 63073B0859/00B000 | Wallonia | 1,988 m² | 1 · 117 m² | 7.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
RIVECO
BE 0722.962.972
Wingene · Eq €416k
BARGOS
BE 0695.686.572
Dendermonde · Eq €416k
INDIGO-LATTICE ENGINEERING
BE 0727.536.226
Lummen · Eq €416k
FLAGSHIP
BE 0755.972.369
Herve · Eq €416k
HEIMAD
BE 0477.976.111
Genk · Eq €416k
Of 82,341 companies in sector 70200 we hold annual accounts for 50,889. 35,533 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-08-2005
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 2 actsNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 16-07-2026. Scores and ratios are computed by Checked and are not a credit decision.