S & A CONSULT
ActiveS & A CONSULT has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €778k and a net result of €193k. Equity is growing by ~16.7% per year across the filed fiscal years. Its solvency ranks better than 37% of 7694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-1
Solvency60▼-9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity short (current ratio 0.52 against 0.7 in 2024; short-term debt: 13.8% and cash: 1.1% of total assets), and 65.2% 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 82
Relative position
BE, all sectors
reference
Sector 82
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
34.8%
Return on assets
8.6%
Age of the figures
9 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 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
61 d late
2022
60 d late
2021
3 d early
2020
2 d early
2019
17 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€778k▲ 8.1%
2024 · €720k
2019: €210k
2020: €336k
2021: €453k
2022: €567k
2023: €635k
2024: €720k
2019 → 2025
Total assets
€2.24M▲ 36.2%
2024 · €1.64M
2019: €1.29M
2020: €1.32M
2021: €1.36M
2022: €1.56M
2023: €1.60M
2024: €1.64M
2019 → 2025
Net result
€193k▲ 21.8%
2024 · €158k
2019: €73k
2020: €135k
2021: €129k
2022: €126k
2023: €141k
2024: €158k
2019 → 2025
Working capital
€-148k▼ 126%
2024 · €-65k
2019: €-99k
2020: €-30k
2021: €37k
2022: €73k
2023: €59k
2024: €-65k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€453k-€567k▲ 25.2%€635k▲ 11.9%€720k▲ 13.4%€778k▲ 8.1%
Operating result€208k-€190k▼ 8.4%€224k▲ 17.5%€249k▲ 11.1%€296k▲ 19.2%
Net result€129k-€126k▼ 2.1%€141k▲ 11.7%€158k▲ 12.7%€193k▲ 21.8%
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 2022 the operating result has climbed three years in a row; 2025 is 19% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.24M
Fixed assets
€2.08M▲ 39.4%
Current assets
€162k▲ 4.8%
Equity and liabilities €2.24M
Equity
€778k▲ 8.1%
Debt
€1.46M▲ 58.1%
The debt ratio rises from 56.2% to 65.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€383k▲
2024 · €296k
Cash flow
€279k▲
2024 · €206k
Solvency
34.8%▼
2024 · 43.8%
Current ratio
0.52▼
2024 · 0.70
Quick ratio
0.52▼
2024 · 0.70
Debt / equity
1.87▲
2024 · 1.28
ROE
24.8%▲
2024 · 22.0%
ROA
8.6%▼
2024 · 9.6%
Interest coverage
12.09▼
2024 · 13.88
Debt
€1.46M▲
2024 · €923k
Debt ≤ 1 year
€309k▲
2024 · €219k
Debt > 1 year
€1.14M▲
2024 · €702k
Income taxes
€72k▲
2024 · €69k
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€1.64M€2.24M▲
Fixed assets21/28€1.49M€2.08M▲
Tangible fixed assets22/27€1.31M€1.89M▲
Land and buildings22€1.28M€1.86M▲
Plant, machinery and equipment23€18k€15k▼
Furniture and vehicles24-€11k
Other tangible fixed assets26€3k€3k▼
Assets under construction and advance payments27€0-
Financial fixed assets28€183k€187k▲
Current assets29/58€154k€162k▲
Amounts receivable within one year40/41€138k€136k▼
Trade receivables40€26k€0▼
Other amounts receivable41€112k€136k▲
Cash at bank and in hand54/58€13k€25k▲
Deferred charges and accrued income490/1€3k€0▼
Equity and liabilities
Total equity and liabilities10/49€1.64M€2.24M▲
Equity10/15€720k€778k▲
Contributions10/11€28k€28k=
Reserves13€692k€750k▲
Tax-exempt reserves132-€84k
Distributable reserves133€692k€666k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€923k€1.46M▲
Amounts payable after more than one year17€702k€1.14M▲
Financial debts170/4€702k€1.14M▲
Amounts payable within one year42/48€219k€309k▲
Current portion of amounts payable after more than one year42€69k€121k▲
Trade debts44€8k€7k▼
Suppliers440/4€8k€7k▼
Taxes, remuneration and social security45€40k€23k▼
Taxes450/3€40k€23k▼
Other amounts payable47/48€103k€158k▲
Accrued charges and deferred income492/3€1k€6k▲
Income statement
Code20242025
Non-recurring operating income76A€7k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€86k▲
Other operating charges640/8€6k€7k▲
Gross operating margin9900€302k€390k▲
Operating profit (loss)9901€249k€296k▲
Financial income75/76B€0€3▲
Recurring financial income75€0€3▲
Financial charges65/66B€21k€32k▲
Recurring financial charges65€21k€32k▲
Profit (loss) for the period before taxes9903€227k€265k▲
Income taxes67/77€69k€72k▲
Profit (loss) for the period9904€158k€193k▲
Transfer to tax-exempt reserves689-€84k
Profit (loss) for the period to be appropriated9905€158k€109k▼
Appropriation of the result
Profit (loss) to be appropriated9906€158k€109k▼
Transfer from equity791/2€73k€135k▲
Transfer to equity691/2€158k€109k▼
To other reserves6921€158k€109k▼
Profit to be distributed694/7€73k€135k▲
Return on contributions (dividend)694€73k€135k▲
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (11 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €193k ▲21.8%
Operating result €296k, net result €193k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 61 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 60 days late
2022
31-12
Financial
Equity above €500kEq €567k ▲25.2%
4 profitable years in a row build equity to €567k.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 17 days late
2019
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 2 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Ichtegem · 1 establishment unit since 2012
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.
Keibergstraat(ICH) 508480 IchtegemGround area
1.6 ha
Building footprint
260 m²
Volume, LiDAR
1,376 m³
Parcel 35006B1457/00A000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
S&A CONSULT
since 20122.207.219.558
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35006B1457/00A000 | Flanders | 1.6 ha | 1 · 260 m² | 9.7 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
2025 · 1 entry · 2,420 EUR awarded · 2,420 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,420 EUR | 2,420 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
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CBL MEDICALE
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Mouscron · Eq €779k
RA CONSULTING
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GUMAMI
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Of 24,505 companies in sector 82990 we hold annual accounts for 9,396. 5,049 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-02-2012
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.