Summary
Horizon Consulting is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €295k and a net result of €107k. Equity is growing by ~21.7% per year across the filed fiscal years. Its solvency ranks better than 71% of 8023 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 15-05-2026, 77 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
77 d early
2024
76 d early
2023
56 d early
2022
70 d early
2021
77 d early
2020
5 d late
2019
4 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€295k▼ 25.9%
2024 · €397k
2018: €42k
2019: €85k
2020: €176k
2021: €224k
2022: €295k
2023: €328k
2024: €397k
2018 → 2025
Net result
€107k▼ 4.5%
2024 · €112k
2018: €29k
2019: €43k
2020: €92k
2021: €48k
2022: €71k
2023: €62k
2024: €112k
2018 → 2025
Total assets
€398k▼ 15.6%
2024 · €471k
2018: €98k
2019: €115k
2020: €208k
2021: €262k
2022: €312k
2023: €383k
2024: €471k
2018 → 2025
Solvency
74.0%▼ 10.3pp
2024 · 84.3%
2018: 42.3%
2019: 73.5%
2020: 84.9%
2021: 85.5%
2022: 94.5%
2023: 85.6%
2024: 84.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€224k-€295k▲ 31.5%€328k▲ 11.3%€397k▲ 21.1%€295k▼ 25.9%
Operating result€68k-€100k▲ 46.9%€90k▼ 10.3%€155k▲ 73.1%€146k▼ 5.8%
Net result€48k-€71k▲ 48.2%€62k▼ 12.1%€112k▲ 81.0%€107k▼ 4.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €398k
Fixed assets
€110k ▲ 2.1%
Current assets
€288k ▼ 20.8%
Equity and liabilities €398k
Equity
€295k ▼ 25.9%
Debt
€103k ▲ 39.9%
Debt's share of the balance-sheet total rises from 15.7% to 26.0%. Equity is lower and debt is higher.
Key figures and ratios
ROE
36.4%▲
2024 · 28.3%
ROA
27.0%▲
2024 · 23.9%
Debt ≤ 1 year
€103k▲
2024 · €74k
Income taxes
€49k▼
2024 · €50k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€471k€398k▼
Fixed assets21/28€108k€110k▲
Tangible fixed assets22/27€108k€110k▲
Land and buildings22€52k€61k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€54k€48k▼
Current assets29/58€364k€288k▼
Amounts receivable within one year40/41€268k€128k▼
Trade receivables40€52k€68k▲
Other amounts receivable41€216k€60k▼
Cash at bank and in hand54/58€70k€141k▲
Deferred charges and accrued income490/1€25k€19k▼
Equity and liabilities
Total equity and liabilities10/49€471k€398k▼
Equity10/15€397k€295k▼
Contributions10/11€7k€7k=
Reserves13€391k€288k▼
Distributable reserves133€391k€288k▼
Amounts payable17/49€74k€103k▲
Amounts payable within one year42/48€74k€103k▲
Financial debts43€9k€4k▼
Credit institutions430/8€9k€4k▼
Trade debts44€848€1k▲
Suppliers440/4€848€1k▲
Taxes, remuneration and social security45€21k€28k▲
Taxes450/3€21k€28k▲
Other amounts payable47/48€43k€71k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€15k▲
Other operating charges640/8€562€764▲
Gross operating margin9900€168k€161k▼
Operating profit (loss)9901€155k€146k▼
Financial income75/76B€8k€11k▲
Recurring financial income75€8k€11k▲
Financial charges65/66B€1k€781▼
Recurring financial charges65€1k€781▼
Profit (loss) for the period before taxes9903€162k€156k▼
Income taxes67/77€50k€49k▼
Profit (loss) for the period9904€112k€107k▼
Profit (loss) for the period to be appropriated9905€112k€107k▼
Appropriation of the result
Profit (loss) to be appropriated9906€112k€107k▼
Transfer from equity791/2€43k€210k▲
Transfer to equity691/2€112k€107k▼
To other reserves6921€112k€107k▼
Profit to be distributed694/7€43k€210k▲
Return on contributions (dividend)694€43k€210k▲
The notes to these accounts (7 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
15-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
19-03
State Gazette act
General meeting · Board meeting
Director resignation · Director appointment
2025
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €112k ▲81%
Operating result €155k, net result €112k, both a record.
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 16.23
Current ratio from 5.74 to 16.23; short-term debt falls from €38k to €17k.
15-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €224k ▲27%
4 profitable years in a row build equity to €224k.
05-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 5 days late
2020
31-12
Financial
Equity above €150kEq €176k ▲108%
3 profitable years in a row build equity to €176k.
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
31-12
Financial
Liquidity doublescurrent ratio 3.38
Current ratio from 1.43 to 3.38; short-term debt falls from €57k to €31k.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 2 days late
2017
13-11
State Gazette act
General meeting · Permanent representative
Director appointment · Director resignation
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Antwerpen · 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.
Jos Smolderenstraat 742000 AntwerpenGround area
7,079 m²
Building footprint
1,791 m²
Volume, LiDAR
1,909 m³
Parcel 11811L3917/00P002, Flanders · tallest building 8.6 m. Linked by address, not a title deed.
1 establishment unit
Jos Smolderenstraat 74, 2000 Antwerpen
since 20192.291.405.066
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11811L3917/00P002 | Flanders | 7,079 m² | 1 · 1,791 m² | 8.6 m |
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
4 connected companiesLinked via shared directors
Shared director
→
Shared director
→
Shared director
→
Shared director
→
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,753 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
Founded10-07-2014
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.