F & S Consulting
ActiveF & S Consulting has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €724k and a net result of €100k. Equity is growing by ~12.8% per year across the filed fiscal years. Its solvency ranks better than 91% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+2
Solvency100▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 7.82 against 20.58 in 2024; short-term debt: 5.3% and cash: 14.5% of total assets), and 5.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers 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 · 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
94.7%
Return on assets
13.2%
Age of the figures
15 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
on the day
2022
on the day
2021
on the day
2020
1 d late
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€724k▲ 16.1%
2024 · €623k
2019: €322k
2020: €399k
2021: €492k
2022: €602k
2023: €689k
2024: €623k
2019 → 2025
Total assets
€764k▼ 10.7%
2024 · €856k
2019: €1.12M
2020: €1.02M
2021: €750k
2022: €825k
2023: €915k
2024: €856k
2019 → 2025
Net result
€100k▲ 6.3%
2024 · €94k
2019: €48k
2020: €77k
2021: €93k
2022: €110k
2023: €87k
2024: €94k
2019 → 2025
Working capital
€275k▼ 47.5%
2024 · €523k
2019: €816k
2020: €441k
2021: €381k
2022: €513k
2023: €622k
2024: €523k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€492k-€602k▲ 22.3%€689k▲ 14.4%€623k▼ 9.5%€724k▲ 16.1%
Operating result€144k-€163k▲ 13.0%€133k▼ 18.7%€146k▲ 10.1%€151k▲ 3.4%
Net result€93k-€110k▲ 18.3%€87k▼ 21.0%€94k▲ 8.8%€100k▲ 6.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €764k
Fixed assets
€449k▲ 46.9%
Current assets
€315k▼ 42.8%
Equity and liabilities €764k
Equity
€724k▲ 16.1%
Debt
€40k▼ 82.7%
The debt ratio falls from 27.2% to 5.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€188k▲
2024 · €177k
Cash flow
€137k▲
2024 · €125k
Solvency
94.7%▲
2024 · 72.8%
Current ratio
7.82▼
2024 · 20.58
Quick ratio
7.82▼
2024 · 13.83
Debt / equity
0.06▼
2024 · 0.37
ROE
13.9%▼
2024 · 15.2%
ROA
13.2%▲
2024 · 11.0%
Interest coverage
22.70▲
2024 · 14.71
Debt
€40k▼
2024 · €232k
Debt ≤ 1 year
€40k▲
2024 · €27k
Debt > 1 year
€0▼
2024 · €200k
Income taxes
€42k▲
2024 · €40k
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€856k€764k▼
Fixed assets21/28€306k€449k▲
Tangible fixed assets22/27€306k€449k▲
Land and buildings22€236k€407k▲
Plant, machinery and equipment23€467€76▼
Furniture and vehicles24€69k€42k▼
Current assets29/58€550k€315k▼
Stocks and contracts in progress3€180k€0▼
Stocks30/36€180k€0▼
Amounts receivable within one year40/41€6k€3k▼
Trade receivables40€3k€3k▲
Other amounts receivable41€3k€0▼
Current investments50/53-€200k
Cash at bank and in hand54/58€363k€111k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€856k€764k▼
Equity10/15€623k€724k▲
Contributions10/11€103k€103k=
Reserves13€520k€620k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€520k€620k▲
Profit (loss) carried forward14€481€481=
Amounts payable17/49€232k€40k▼
Amounts payable after more than one year17€200k€0▼
Financial debts170/4€200k€0▼
Amounts payable within one year42/48€27k€40k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€15k€32k▲
Taxes450/3€12k€32k▲
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48€9k€6k▼
Accrued charges and deferred income492/3€6k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€37k▲
Other operating charges640/8€4k€2k▼
Gross operating margin9900€180k€190k▲
Operating profit (loss)9901€146k€151k▲
Financial income75/76B€20€78▲
Recurring financial income75€20€78▲
Financial charges65/66B€12k€8k▼
Recurring financial charges65€12k€8k▼
Profit (loss) for the period before taxes9903€134k€143k▲
Income taxes67/77€40k€42k▲
Profit (loss) for the period9904€94k€100k▲
Profit (loss) for the period to be appropriated9905€94k€100k▲
Appropriation of the result
Profit (loss) to be appropriated9906€95k€101k▲
Profit (loss) brought forward from the previous period14P€481€481=
Transfer from equity791/2€160k-
Transfer to equity691/2€94k€100k▲
To other reserves6921€94k€100k▲
Profit to be distributed694/7€160k-
Return on contributions (dividend)694€160k-
The notes to these accounts (6 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Highest result since 2019net €110k ▲18.3%
Operating result €163k, net result €110k, both a record.
30-06
Financial
Liquidity quadruplescurrent ratio 28.93
Current ratio from 8.06 to 28.93; short-term debt falls from €54k to €18k.
30-06
Financial
Equity above €500kEq €602k ▲22.3%
4 profitable years in a row build equity to €602k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Liquidity triplescurrent ratio 8.06
Current ratio from 2.79 to 8.06; short-term debt falls from €246k to €54k.
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Heist-op-den-Berg · 1 establishment unit since 2009
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.
Hollandstraat 332220 Heist-op-den-BergGround area
5,381 m²
Building footprint
438 m²
Volume, LiDAR
2,747 m³
Parcel 12322H0012/00L002, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
F & S consulting
since 20092.181.597.207
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12322H0012/00L002 | Flanders | 5,381 m² | 1 · 438 m² | 10.6 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 2 entries · 2,905 EUR awarded · 2,905 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 220 EUR | 220 EUR |
| 2022 | 1 | 2,685 EUR | 2,685 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 31,231 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-09-2009
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.