Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 49 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
CONSILO INSURANCE from Malle, company number BE0460653790, closed financial year 2025 with a result of € 71,195 after tax. For that financial year CONSILO INSURANCE recorded a gross margin of € 1.8 million and equity of € 523,511. Compared with financial year 2024, the result moved from € 136,715 to € 71,195. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 31, 2026.
€ 523,511
▲ 16% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 71,195
▼ 48% vs 2024
Profit after tax over the fiscal year.
€ 51,131
▲ 121% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 493,511.
People and assets in 2025
20.2
▲ 0.7 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 1.3 million
▲ 6% vs 2024
€ 61,900 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 57,672
▼ 32% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1.4 million
▼ 13% vs 2024
€ 434,078 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 33,988
▼ 46% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 149,622
▲ 1% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 1,224,585 | € 1,571,152 | € 1,761,277 | € 1,796,824 | ▲ 2% |
| Profit after taxes | € 81,622 | € 60,292 | € 136,715 | € 71,195 | ▼ 48% |
| Equity | € 590,309 | € 450,601 | € 452,316 | € 523,511 | ▲ 16% |
| Total debts | € 1,573,805 | € 2,154,972 | € 1,833,125 | € 1,617,073 | ▼ 12% |
| Cash | € 24,762 | € 88,379 | € 23,108 | € 51,131 | ▲ 121% |
| Land & buildings | € 156,124 | € 144,114 | € 132,105 | € 120,095 | ▼ 9% |
| Retained profit | € 560,309 | € 420,601 | € 422,316 | € 493,511 | ▲ 17% |
| Dividend | € 203,040 | € 200,000 | € 135,000 | € 0 | ▼ 100% |
| Bank debt | € 1,365,142 | € 1,839,340 | € 1,583,738 | € 1,379,063 | ▼ 13% |
| Balance sheet total | € 2,164,114 | € 2,605,573 | € 2,285,441 | € 2,140,584 | ▼ 6% |
| Employees (FTE) | 15.6 | 17.4 | 19.5 | 20.2 | ▲ 0.7 |
Key figures of CONSILO INSURANCE, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to CONSILO INSURANCE?
What happened at CONSILO INSURANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 71,195 (▼ 48% vs 2024). filed late Source: NBB ↗
- New establishment in Antwerpen. KBO
- New establishment in Hoogstraten. KBO
- New establishment in Malle. KBO
- New establishment in Zoersel. KBO
- New establishment in Malle. KBO
- Start of the company according to the CBE. KBO
In short
From € 81,622 profit in 2022 to € 71,195 profit in 2025.
Paid € 160,301 in corporate taxes since 2022.
Best year ever: 2024, with € 136,715 profit.
On average € 89,000 of value added per employee in 2025.
Establishments
Establishment units
Physical locations of this company
Zwaluwenlaan 2 box 1
2390 Malle
Handelslei 90 box 2
2980 Zoersel
Active since 1 October 2015
Lierselei 120
2390 Malle
Active since 12 February 2016
Vrijheid 34 box A
2320 Hoogstraten
Active since 1 July 2016
De Vlaschaardstraat 2
2170 Antwerpen
Active since 1 January 2020
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0460.653.790
- VAT number
- BE 0460.653.790
- Registered office
- Zwaluwenlaan 2 bus 1, 2390 Malle
- Names & denominations
- CONSILO INSURANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 13 May 1997
- Peppol
- Active · Active since 3 Jun 2025
- Activities · NACE
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