THE COLLECTIVE CONSULTING
ActiveTHE COLLECTIVE CONSULTING has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €521k and a net result of €258k. Equity is growing by ~21.4% per year across the filed fiscal years. Its solvency ranks better than 23% of 8623 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+46
Solvency47▲+7
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity tight (current ratio 1.3 against 1.13 in 2024; short-term debt: 72.2% and cash: 27.5% of total assets), and 78.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
21.6%
Return on assets
10.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 8623 sector peers (2025).
NBB · sector comparisonPosition among 8623 sector peers
Solvency
better than 23%
← weakest
strongest →
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 18-05-2026, 74 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
74 d early
2024
57 d early
2023
29 d early
2022
4 d early
2021
26 d late
2020
on the day
← 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, abbreviated schema
Equity
€521k▲ 97.6%
2024 · €264k
2020: €164k
2021: €167k
2022: €240k
2023: €292k
2024: €264k
2020 → 2025
Total assets
€2.41M▲ 36.2%
2024 · €1.77M
2020: €719k
2021: €592k
2022: €1.26M
2023: €1.52M
2024: €1.77M
2020 → 2025
Net result
€258k
2024 · €-28k
2020: €104k
2021: €3k
2022: €73k
2023: €51k
2024: €-28k
2020 → 2025
Working capital
€529k▲ 197%
2024 · €178k
2020: €225k
2021: €141k
2022: €151k
2023: €301k
2024: €178k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€167k-€240k▲ 43.7%€292k▲ 21.4%€264k▼ 9.5%€521k▲ 97.6%
Operating result€21k-€109k▲ 407%€126k▲ 15.8%€41k▼ 67.2%€461k▲ 1,014%
Net result€3k-€73k▲ 2,291%€51k▼ 29.6%€-28k€258k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,014% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.41M
Fixed assets
€142k▼ 25.2%
Current assets
€2.27M▲ 43.6%
Equity and liabilities €2.41M
Equity
€521k▲ 97.6%
Debt
€1.89M▲ 25.5%
The debt ratio falls from 85.1% to 78.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€525k▲
2024 · €105k
Cash flow
€322k▲
2024 · €36k
Solvency
21.6%▲
2024 · 14.9%
Current ratio
1.30▲
2024 · 1.13
Quick ratio
1.30▲
2024 · 1.13
Debt / equity
3.63▼
2024 · 5.72
ROE
49.4%▲
2024 · -10.5%
ROA
10.7%▲
2024 · -1.6%
Interest coverage
7.41▲
2024 · 2.28
Debt
€1.89M▲
2024 · €1.51M
Debt ≤ 1 year
€1.74M▲
2024 · €1.40M
Debt > 1 year
€82k▼
2024 · €105k
Income taxes
€134k▲
2024 · €27k
Staff costs
€2.30M▲
2024 · €2.03M
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€1.77M€2.41M▲
Fixed assets21/28€191k€142k▼
Intangible fixed assets21-€8k
Tangible fixed assets22/27€189k€134k▼
Plant, machinery and equipment23€14k€13k▼
Furniture and vehicles24€104k€64k▼
Other tangible fixed assets26€71k€57k▼
Financial fixed assets28€2k€0▼
Current assets29/58€1.58M€2.27M▲
Amounts receivable within one year40/41€1.11M€1.48M▲
Trade receivables40€1.10M€1.48M▲
Other amounts receivable41€8k€462▼
Cash at bank and in hand54/58€273k€664k▲
Deferred charges and accrued income490/1€202k€130k▼
Equity and liabilities
Total equity and liabilities10/49€1.77M€2.41M▲
Equity10/15€264k€521k▲
Contributions10/11€60k€60k=
Reserves13€204k€461k▲
Distributable reserves133€204k€461k▲
Amounts payable17/49€1.51M€1.89M▲
Amounts payable after more than one year17€105k€82k▼
Financial debts170/4€105k€82k▼
Amounts payable within one year42/48€1.40M€1.74M▲
Current portion of amounts payable after more than one year42€22k€22k▲
Financial debts43€102k€104k▲
Credit institutions430/8€102k€104k▲
Trade debts44€470k€570k▲
Suppliers440/4€470k€570k▲
Advances received on contracts in progress46€485k€678k▲
Taxes, remuneration and social security45€263k€368k▲
Taxes450/3€77k€170k▲
Remuneration and social security454/9€185k€198k▲
Other amounts payable47/48€63k€0▼
Accrued charges and deferred income492/3€0€68k▲
Income statement
Code20242025
Non-recurring operating income76A€78€35k▲
Remuneration, social security and pensions62€2.03M€2.30M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€64k€64k▲
Other operating charges640/8€9k€6k▼
Non-recurring operating charges66A€553€6k▲
Gross operating margin9900€2.14M€2.83M▲
Operating profit (loss)9901€41k€461k▲
Financial income75/76B€4k€1k▼
Recurring financial income75€4k€1k▼
Financial charges65/66B€46k€71k▲
Recurring financial charges65€46k€71k▲
Profit (loss) for the period before taxes9903€-633€391k▲
Income taxes67/77€27k€134k▲
Profit (loss) for the period9904€-28k€258k▲
Profit (loss) for the period to be appropriated9905€-28k€258k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-28k€258k▲
Transfer from equity791/2€28k€0▼
Transfer to equity691/2€0€258k▲
To other reserves6921€0€258k▲
Social balance
Average headcount (FTE)908726.327.0▲
The notes to these accounts (22 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
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €258k
Net result €258k after one loss-making year.
31-12
Financial
Equity above €500kEq €521k ▲97.6%
Equity rises from €264k to €521k.
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-28k ▼154%
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €200kEq €240k ▲43.7%
3 profitable years in a row build equity to €240k.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 26 days late
2021
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
27-01-2023
DELIMON, Johan: Resigned as Director
27-01-2023
VAN HORENBEECK, Michael Max Petrus: Resigned as Director
Location & real-estate footprint
Registered office, Zele · 1 establishment unit since 2019
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.
Nachtegaalstraat 69240 ZeleGround area
4,529 m²
Building footprint
1,304 m²
Volume, LiDAR
17,124 m³
Parcel 42028B0738/00B000, Flanders · tallest building 31.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
THE COLLECTIVE CONSULTING
since 20192.289.643.527
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42028B0738/00B000 | Flanders | 4,529 m² | 1 · 1,304 m² | 31.6 m · 4 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.
Structure & network
Connections & network
1 connected companyNetwork connections
Shared address
→
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 6,453 EUR awarded · 6,453 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 195 EUR | 195 EUR |
| 2024 | 1 | 4,859 EUR | 4,859 EUR |
| 2023 | 1 | 1,193 EUR | 1,193 EUR |
| 2022 | 1 | 206 EUR | 206 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaams opleidingsverlof (VOV)
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 34,298 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-05-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
62010Computer programming, consultancy and related activities
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.thecollective.eu
E-mail:info@thecollective.eu