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S & A CONSULT

Active
Private limited companyfounded 2012active for 14 yearsKeibergstraat(ICH) 50, 8480 Ichtegem, BelgiumKBO/BCE: BE 0843.865.653
Summary

S & A CONSULT has been active since 2012 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €778,217 and a net result of €193,108. Equity has been growing by about 19% per year since 2018. Its solvency ranks better than 38% of 9,664 sector peers (NACE 82, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Overview

Official details

Source: KBO
Status
Active since 06-02-2012 Normal situation
Activity
Other business support services NACE 82990
Establishment unit
2.207.219.558 8480 Ichtegem, since 06-02-2012
Financial year end
31 December
Peppol
Reachable since 12-12-2025

Board and ownership

Board

Financial position

93 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts 2025
Gross margin
€390,023
▲ 29.1%
Turnover
≈ €590,000
estimated
Profit
€193,108
▲ 21.8%
Equity
€778,217
▲ 8.1%
Total assets
€2.2m
▲ 36.2%
Score breakdownraises risk1 of the last 3 accounts lateLiquidity: current ratio 0.52, cash €25,153lowers riskSize: total assets €2.2mFigures for financial year 2025 (filed on 31-07-2026)Show the evidence

Checked score

Score 2025
93 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 56% of small companies in office administrative support (NACE 82)
Financial strength · tick: 2024
Strong
Solvency 60-9
equity 34.8% of total assets
Liquidity 49=
short-term debt 13.8% · cash 1.1%
Profitability 80-1
return on assets 8.6%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (1,120 companies, NACE 82, small)
Last 24 months 12-2024: 0.3% 01-2025: 0.3%● unchanged vs 12-2024 02-2025: 0.3%● unchanged vs 01-2025 03-2025: 0.3%● unchanged vs 02-2025 04-2025: 0.3%● unchanged vs 03-2025 05-2025: 0.3%● unchanged vs 04-2025 06-2025: 0.4%▲ +0.1 percentage points vs 05-2025 07-2025: 0.5%▲ +0.1 percentage points vs 06-2025highest value 08-2025: 0.3%▼ -0.2 percentage points vs 07-2025 09-2025: 0.3%● unchanged vs 08-2025 10-2025: 0.3%● unchanged vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025 02-2026: 0.3%● unchanged vs 01-2026 03-2026: 0.3%● unchanged vs 02-2026 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.4%▲ +0.1 percentage points vs 04-2026 06-2026: 0.4%● unchanged vs 05-2026 07-2026: 0.4%● unchanged vs 06-2026 08-2026: 0.1%▼ -0.3 percentage points vs 07-2026lowest value 09-2026: 0.1%● unchanged vs 08-2026lowest value 10-2026: 0.1%● unchanged vs 09-2026lowest value 11-2026: 0.1%● unchanged vs 10-2026lowest value
Credit of up to €70,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.52 (0.7 in 2024), below 1. Short-term debt is 13.8% and cash 1.1% of total assets. 65.2% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 82, small). It does better than 44% of them on solvency, 44% on liquidity, 77% on profitability and 59% on growth.

The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €2.2m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · 1 of the last 3 accounts late
NBB · filings
raises risk · Liquidity: current ratio 0.52, cash €25,153
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 31-07-2026)
NBB · annual accounts
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 filings
Deviation from the deadline
2025
on the day
2024
1 day early
2023
61 days late
2022
60 days late
2021
3 days early
2020
2 days early
2019
17 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 19 days after the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 July (4 of the last 5 accounts filed within 60 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Financials

Financials · financial year 2025, micro format

Annual accounts 2025 filed on 31-07-2026 at the NBB all 9 filings

Turnover
≈ €590,000
Estimated: probably between €480,000 and €820,000
Total assets
€2.2m▲ 36.2%
2024 · €1.6m
Net result
€193,108▲ 21.8%
2024 · €158,496
Working capital
-€147,579▼ 126%
2024 · -€65,247
Multi-year overview
2018 to 2025, 8 financial years
Operating result
€296,486
▲ 19.2% 2025
20182025
Net result
€193,108
▲ 21.8% 2025
highest quarter of the sector
20182025
Equity
€778,217
▲ 8.1% 2025
highest quarter of the sector
20182025
Total assets
€2.2m
▲ 36.2% 2025
highest quarter of the sector
20182025
Debt
€1.5m
▲ 58.1% 2025
20182025
Working capital
-€147,579
▼ 126% 2025
lowest quarter of the sector
20182025
Solvency
34.8%
▼ 9.0pp 2025
middle half of the sector
20182025
Current ratio
0.52
▼ 0.18 2025
lowest quarter of the sector
20182025
Return on assets (ROA)
8.6%
▼ 1.0pp 2025
middle half of the sector
20182025
Staff (FTE)
no figure
2025
20182025
Every figure per financial year
Every figure with its change against the financial year before
favourable unfavourable
Line20182019202020212022202320242025
Operating result€0.2m-€0.1m▼ 16.6%€0.2m▲ 52.1%€0.2m▼ 2.1%€0.2m▼ 8.4%€0.2m▲ 17.5%€0.2m▲ 11.1%€0.3m▲ 19.2%
Net result€0.09m-€0.07m▼ 16.9%€0.1mabove the sector's middle half▲ 84.1%€0.1mabove the sector's middle half▼ 4.5%€0.1mabove the sector's middle half▼ 2.1%€0.1mabove the sector's middle half▲ 11.7%€0.2mabove the sector's middle half▲ 12.7%€0.2mabove the sector's middle half▲ 21.8%
Equity€0.1m-€0.2m▲ 53.6%€0.3mwithin the sector's middle half▲ 60.4%€0.5mwithin the sector's middle half▲ 34.7%€0.6mwithin the sector's middle half▲ 25.2%€0.6mwithin the sector's middle half▲ 11.9%€0.7mwithin the sector's middle half▲ 13.4%€0.8mabove the sector's middle half▲ 8.1%
Total assets€1.3m-€1.3m▼ 4.2%€1.3mwithin the sector's middle half▲ 2.1%€1.4mwithin the sector's middle half▲ 3.1%€1.6mwithin the sector's middle half▲ 14.6%€1.6mwithin the sector's middle half▲ 2.4%€1.6mwithin the sector's middle half▲ 3.0%€2.2mabove the sector's middle half▲ 36.2%
Debt€1.2m-€1.1m▼ 6.4%€1.0m▼ 9.2%€0.9m▼ 7.7%€1.0m▲ 9.3%€1.0m▼ 3.1%€0.9m▼ 3.9%€1.5m▲ 58.1%
Working capital-€0.1m--€0.1m▲ 14.8%-€0.03mwithin the sector's middle half▲ 69.8%€0.04mwithin the sector's middle half€0.07mwithin the sector's middle half▲ 98.0%€0.06mwithin the sector's middle half▼ 18.9%-€0.07mbelow the sector's middle half-€0.1mbelow the sector's middle half▼ 126%
Solvency10.1%-16.2%▲ 6.1pp25.5%within the sector's middle half▲ 9.3pp33.3%within the sector's middle half▲ 7.8pp36.4%within the sector's middle half▲ 3.1pp39.8%within the sector's middle half▲ 3.4pp43.8%within the sector's middle half▲ 4.0pp34.8%within the sector's middle half▼ 9.0pp
Current ratio0.39-0.27▼ 0.110.78within the sector's middle half▲ 0.501.26within the sector's middle half▲ 0.481.50within the sector's middle half▲ 0.241.31within the sector's middle half▼ 0.190.70within the sector's middle half▼ 0.610.52below the sector's middle half▼ 0.18
Return on assets (ROA)6.5%-5.7%▼ 0.9pp10.2%within the sector's middle half▲ 4.6pp9.5%within the sector's middle half▼ 0.8pp8.1%within the sector's middle half▼ 1.4pp8.8%within the sector's middle half▲ 0.7pp9.6%within the sector's middle half▲ 0.8pp8.6%within the sector's middle half▼ 1.0pp
Staff (FTE)0below the sector's middle half0below the sector's middle half0within the sector's middle half
above within below The sector band is the middle half of the companies in Office administrative, office support and other business support activities (NACE 82). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.

The operating result for 2025 is 19% higher than in 2024 and the highest since 2021. It is the third rise in a row, after the fall in 2022.

Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.

Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.2m
Fixed assets €2.1m ▲ 39.4%
Current assets €161,563 ▲ 4.8%
Equity and liabilities €2.2m
Equity €778,217 ▲ 8.1%
Debt €1.5m ▲ 58.1%
Debt's share of the balance-sheet total rises from 56.2% to 65.2%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€382,802▲
2024 · €296,443
Cash flow
€279,425▲
2024 · €206,270
Debt to equity
1.87▲
2024 · 1.28
ROE
24.8%▲
2024 · 22.0%
Interest coverage
12.09▼
2024 · 13.88
Debt ≤ 1 year
€309,142▲
2024 · €219,467
Debt > 1 year
€1.1m▲
2024 · €702,370
Income taxes
€71,709▲
2024 · €68,814
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.

Securities and guarantees

on own assets and for others
Item20212022202320242025
Debts secured on the company's own assets€847,874€925,545€852,625€771,255-
Mortgages, amount registered€1.4m€1.4m€1.4m€1.4m€1.4m
Carrying value of the mortgaged assets€993,456€1.0m€990,026€1.1m€1.1m

Source: notes to the 2021 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)

Investments

fixed assets acquired
Item20212022202320242025
Tangible fixed assets€4,828€199,508€46,768€303,595€669,237
Financial fixed assets---€18,000-
Depreciation and write-downs of the year€39,432€38,641€40,361€47,774€86,316

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Subsidies and aid

Flemish government

2025 · 1 entry · €2,420 awarded · €2,420 paid
Schemes
1 entry · €2,420 · €2,420 paid · Vlaams Energie- en Klimaatagentschap
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet Code20242025
Assets
Total assets20/58€1.6m€2.2m▲
Fixed assets21/28€1.5m€2.1m▲
Tangible fixed assets22/27€1.3m€1.9m▲
Land and buildings22€1.3m€1.9m▲
Plant, machinery and equipment23€0.02m€0.01m▼
Furniture and vehicles24-€0.01m
Other tangible fixed assets26€0.003m€0.003m▼
Assets under construction and advance payments27€0-
Financial fixed assets28€0.2m€0.2m▲
Current assets29/58€0.2m€0.2m▲
Amounts receivable within one year40/41€0.1m€0.1m▼
Trade receivables40€0.03m€0▼
Other amounts receivable41€0.1m€0.1m▲
Cash at bank and in hand54/58€0.01m€0.03m▲
Deferred charges and accrued income490/1€0.003m€0▼
Equity and liabilities
Total equity and liabilities10/49€1.6m€2.2m▲
Equity10/15€0.7m€0.8m▲
Contributions10/11€0.03m€0.03m=
Reserves13€0.7m€0.8m▲
Tax-exempt reserves132-€0.08m
Distributable reserves133€0.7m€0.7m▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€0.9m€1.5m▲
Amounts payable after more than one year17€0.7m€1.1m▲
Financial debts170/4€0.7m€1.1m▲
Amounts payable within one year42/48€0.2m€0.3m▲
Current portion of amounts payable after more than one year42€0.07m€0.1m▲
Trade debts44€0.008m€0.007m▼
Suppliers440/4€0.008m€0.007m▼
Taxes, remuneration and social security45€0.04m€0.02m▼
Taxes450/3€0.04m€0.02m▼
Other amounts payable47/48€0.1m€0.2m▲
Accrued charges and deferred income492/3€0.001m€0.006m▲
Income statement Code20242025
Non-recurring operating income76A€0.007m€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0.05m€0.09m▲
Other operating charges640/8€0.006m€0.007m▲
Gross operating margin9900€0.3m€0.4m▲
Operating profit (loss)9901€0.2m€0.3m▲
Financial income75/76B€0€3▲
Recurring financial income75€0€3▲
Financial charges65/66B€0.02m€0.03m▲
Recurring financial charges65€0.02m€0.03m▲
Profit (loss) for the period before taxes9903€0.2m€0.3m▲
Income taxes67/77€0.07m€0.07m▲
Profit (loss) for the period9904€0.2m€0.2m▲
Transfer to tax-exempt reserves689-€0.08m
Profit (loss) for the period to be appropriated9905€0.2m€0.1m▼
Appropriation of the result
Profit (loss) to be appropriated9906€0.2m€0.1m▼
Transfer from equity791/2€0.07m€0.1m▲
Transfer to equity691/2€0.2m€0.1m▼
To other reserves6921€0.2m€0.1m▼
Profit to be distributed694/7€0.07m€0.1m▲
Return on contributions (dividend)694€0.07m€0.1m▲
Social balance sheet
Average headcount (FTE)90870.0-

The notes to these accounts have 11 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 31-07-2026.

Line20182019202020212022202320242025Change
Non-recurring operating income76A------€7,433€0▼ 100%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46,778€39,583€39,432€39,432€38,641€40,361€47,774€86,316▲ 80.7%
Other operating charges640/8€6,955--€4,935€4,763€5,314€5,629€7,221▲ 28.3%
Gross operating margin9900€221,198€128,146€256,113€252,143€233,805€269,445€302,072€390,023▲ 29.1%
Operating profit (loss)9901€167,465€139,583€212,262€207,776€190,400€223,770€248,669€296,486▲ 19.2%
Financial income75/76B----€0€0€0€3▲ 135×
Recurring financial income75-€50€0-€0€0€0€3▲ 135×
Financial charges65/66B€25,453--€20,649€21,263€23,367€21,358€31,671▲ 48.3%
Recurring financial charges65€25,453€23,064€22,336€20,649€21,263€23,367€21,358€31,671▲ 48.3%
Profit (loss) for the period before taxes9903€142,012€116,569€189,926€187,127€169,137€200,403€227,311€264,817▲ 16.5%
Income taxes67/77€53,895€43,374€55,190€58,502€43,191€59,766€68,814€71,709▲ 4.2%
Profit (loss) for the period9904€88,117€73,194€134,735€128,625€125,947€140,637€158,496€193,108▲ 21.8%
Transfer to tax-exempt reserves689-------€84,200-
Profit (loss) for the period to be appropriated9905€88,117€73,194€134,735€128,625€125,947€140,637€158,496€108,908▼ 31.3%
Line20182019202020212022202320242025Change
Assets
Total assets20/58€1.3m€1.3m€1.3m€1.4m€1.6m€1.6m€1.6m€2.2m▲ 36.2%
Fixed assets21/28€1.3m€1.3m€1.2m€1.2m€1.3m€1.3m€1.5m€2.1m▲ 39.4%
Tangible fixed assets22/27€1.1m€1.1m€1.0m€1.0m€1.2m€1.2m€1.3m€1.9m▲ 44.7%
Land and buildings22€1.1m--€1.0m€1.0m€1.0m€1.3m€1.9m▲ 44.8%
Plant, machinery and equipment23€0.02m--€0.02m€0.01m€0.01m€0.02m€0.01m▼ 17.5%
Furniture and vehicles24€0.001m--€0.001m€0.001m€0-€0.01m-
Other tangible fixed assets26---€0.005m€0.004m€0.004m€0.003m€0.003m▼ 14.9%
Assets under construction and advance payments27----€0.1m€0.1m€0--
Financial fixed assets28€0.2m€0.2m€0.2m€0.2m€0.2m€0.2m€0.2m€0.2m▲ 2.2%
Current assets29/58€0.07m€0.04m€0.1m€0.2m€0.2m€0.2m€0.2m€0.2m▲ 4.8%
Amounts receivable within one year40/41€0.05m€0.01m€0.08m€0.2m€0.2m€0.2m€0.1m€0.1m▼ 1.3%
Trade receivables40€0.01m--€0.1m€0.02m€0€0.03m€0▼ 100%
Other amounts receivable41€0.04m--€0.01m€0.2m€0.2m€0.1m€0.1m▲ 21.9%
Cash at bank and in hand54/58€0.02m€0.02m€0.02m€0.03m€0.01m€0.03m€0.01m€0.03m▲ 89.2%
Deferred charges and accrued income490/1------€0.003m€0▼ 100%
Equity and liabilities
Total equity and liabilities10/49€1.3m€1.3m€1.3m€1.4m€1.6m€1.6m€1.6m€2.2m▲ 36.2%
Equity10/15€0.1m€0.2m€0.3m€0.5m€0.6m€0.6m€0.7m€0.8m▲ 8.1%
Contributions10/11€0.03m€0.03m-€0.03m€0.03m€0.03m€0.03m€0.03m=
Capital10€0.03m--------
Issued capital100€0.03m--------
Reserves13€0.1m€0.2m€0.3m€0.4m€0.5m€0.6m€0.7m€0.8m▲ 8.4%
Non-distributable reserves130/1---€0.003m€0.003m€0---
Legal reserve130€0.003m--------
Reserves not available under the articles1311---€0.003m€0.003m€0---
Tax-exempt reserves132-------€0.08m-
Distributable reserves133€0.1m--€0.4m€0.5m€0.6m€0.7m€0.7m▼ 3.7%
Profit (loss) carried forward14----€0€0€0€0-
Provisions and deferred taxes16€0.06m--------
Provisions for liabilities and charges160/5€0.06m--------
Pensions and similar obligations160€0.06m--------
Amounts payable17/49€1.2m€1.1m€1.0m€0.9m€1.0m€1.0m€0.9m€1.5m▲ 58.1%
Amounts payable after more than one year17€1.0m€0.9m€0.8m€0.8m€0.8m€0.8m€0.7m€1.1m▲ 62.9%
Financial debts170/4€1.0m--€0.8m€0.8m€0.8m€0.7m€1.1m▲ 62.9%
Amounts payable within one year42/48€0.2m€0.1m€0.1m€0.1m€0.1m€0.2m€0.2m€0.3m▲ 40.9%
Current portion of amounts payable after more than one year42€0.09m--€0.08m€0.08m€0.08m€0.07m€0.1m▲ 76.2%
Financial debts43€0.03m--------
Credit institutions430/8€0.03m--------
Trade debts44€0.008m€0.01m€0.009m€0.008m€0.01m€0.005m€0.008m€0.007m▼ 11.4%
Suppliers440/4€0.008m--€0.008m€0.01m€0.005m€0.008m€0.007m▼ 11.4%
Taxes, remuneration and social security45€0.02m--€0.03m€0.03m€0.03m€0.04m€0.02m▼ 43.2%
Taxes450/3€0.02m--€0.03m€0.03m€0.03m€0.04m€0.02m▼ 43.2%
Other amounts payable47/48€0.04m--€0.02m€0.02m€0.07m€0.1m€0.2m▲ 54.1%
Accrued charges and deferred income492/3------€0.001m€0.006m▲ 474%
Line20182019202020212022202320242025Change
Profit (loss) for the period9904€88,117€73,194€134,735€128,625€125,947€140,637€158,496€193,108▲ 21.8%
+ Depreciation and write-downs630€46,778€39,583€39,432€39,432€38,641€40,361€47,774€86,316▲ 80.7%
Operating cash flow (approximation)€134,895€112,777€174,167€168,056€164,588€180,998€206,270€279,425▲ 35.5%
Investment in fixed assets (approximation)--€18,517€0-€4,828-€199,508-€46,768-€189,295-€673,225▼ 256%
Change in cash-€2,071-€1,929€7,265-€15,093€20,514-€21,344€11,856-

A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.

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Historical observation

In July 2024, 17,811 companies had the same profile as S & A CONSULT has now. Two years later, 96.5% were still going and 0.3% had gone bankrupt.

  • Small
  • 10 to 20 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
96.5% was still going
3.1% stopped otherwise
0.3% went bankrupt

That fits the bankruptcy probability of S & A CONSULT itself: 0.1% within 12 months.

Test of the method

The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 17,811 companies, not a prediction for S & A CONSULT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Filings with the National Bank (9)
Financial year Type Filed Reference Document
31-12-2025 micro format 31-07-2026 2026-00362004 PDF
31-12-2024 abbreviated format 30-07-2025 2025-00330933 PDF
31-12-2023 abbreviated format 30-09-2024 2024-00480061 PDF
31-12-2022 abbreviated format 29-09-2023 2023-00463509 PDF
31-12-2021 abbreviated format 28-07-2022 2022-20252599 PDF
31-12-2020 abbreviated format 29-07-2021 2021-43100483 PDF
31-12-2019 abbreviated format 17-08-2020 2020-41900028 PDF
31-12-2018 abbreviated format 02-08-2019 2019-43500531 PDF
31-12-2017 micro format 27-07-2018 2018-39700248 PDF

Board & ownership

Directors

Directors
1 director, last change in 2023
HUBRECHTSEN Steve
Director (not named in the articles) · since 06-02-2012 · earlier director, until 05-07-2023 · listed in the 2025 annual accounts, filed on 31-07-2026
Current

Owners and capital

Capital transactions

Capital over time
  1. 05-07-2023 Converted to unavailable equity · €30,800

Mandate history

1 person, 1 in office
Show
  • Board
  • began earlier
Mandates per person, with start and end dates
Name Functions and periods
HUBRECHTSEN Steve
  • Director, until 05-07-2023
  • Director (not named in the articles), since before 05-07-2023
See the board, name and registered office on a given date →

Articles of association

Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
“Helft ten laste overdrager en helft ten laste koper(s),naar evenredigheid verworven aantal bij meer kopers,ook bij weigering erfgenaam of…”

Articles of association, deed of 05-07-2023 (in Dutch)

Network & group

Holdings and subsidiaries

1 holding

Holdings 1

  • Equity €563,350 Profit of €266,800 in 2025 (profit of €408,172 in 2024) Checked score 85
    50%

Board mandates elsewhere

1 board mandate
Board mandates of S & A CONSULTS & A CONSULT sits on their board1
1 location

Connections & network

1 current director
Depth

The board mandates are listed under Board mandates elsewhere. The network lets you explore the same ties.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

Timeline

Acts, filings and financial milestones

Deadline for the 2026 accounts: 31-07-2027
2026
31-07
NBB filing Annual accounts 2025 filedNBB
micro format · on the deadline day
2025
31-12
Financial Highest result from 2018 to 2025net €193,108 ▲21.8%
The operating result of €296,486 and the net result of €193,108 are both a record.
30-07
NBB filing Annual accounts 2024 filedPDF
abbreviated format · 1 day before the deadline
2024
30-09
NBB filing Annual accounts 2023 filedPDF
abbreviated format · 61 days late
2023
29-09
NBB filing Annual accounts 2022 filedPDF
abbreviated format · 60 days late
05-07
Gazette deed Resignation: HUBRECHTSEN Steve (director)
Reappointment: HUBRECHTSEN Steve (director) · Amendment of the articles · Capital conversion12 points ▸
  • General meeting, 23-06-2023
  • Amendment of the articles, mentioned 2 times in the deed
  • Capital conversion, “statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
  • Other provision, “beschikbare eigen vermogensrekening” (deed in Dutch)
  • Other provision, “tekst nieuwe statuten, nieuwe statuten luiden als volgt” (deed in Dutch)
  • Capital contribution
  • Director resignation, HUBRECHTSEN Steve (director)
  • Director discharge, HUBRECHTSEN Steve
  • Director reappointment, HUBRECHTSEN Steve (director (not named in the articles))
  • Registered office clause, “Vlaams Gewest, Keibergstraat 50,8480 Ichtegem” (deed in Dutch)
  • Power of attorney
  • Power of attorney, Titeca pro accountants & experts

Open the act in the Belgian Official Gazette

2022
31-12
Financial Equity above €500,000equity €567,184 ▲25.2%
With a profit in every financial year since 2018, equity grows to €567,184.
28-07
NBB filing Annual accounts 2021 filedPDF
abbreviated format · 3 days before the deadline
2021
29-07
NBB filing Annual accounts 2020 filedPDF
abbreviated format · 2 days before the deadline
2020
17-08
NBB filing Annual accounts 2019 filedPDF
abbreviated format · 17 days late
2019
31-12
Financial Equity above €200,000equity €209,742 ▲53.6%
With a profit in every financial year since 2018, equity grows to €209,742.
02-08
NBB filing Annual accounts 2018 filedPDF
abbreviated format · 2 days late
2018
27-07
NBB filing Annual accounts 2017 filedPDF
micro format · 4 days before the deadline
2012
06-03
Gazette deed IncorporationPDF
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.

Sources:Publications in the Belgian Official GazetteFilings with the National Bank

History

On 6 February 2012, S & A CONSULT was incorporated.1 Total assets went from €1.3m in 2018 to €2.2m in 2025.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2018 and 2025

Company details

Register details

Identity

KBO record
Name S & A CONSULT in Dutch
Enterprise number 0843.865.653
Legal form Private limited company
Status Active, normale toestand
Founded 06-02-2012
Entity type Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 05-07-2023 (in Dutch)
Name clauseThe company operates under this name according to its articles.
S & A Consult
deed of 05-07-2023 (in Dutch)
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest, voor zover geen wijziging van toepasselijk taalregime”
deed of 05-07-2023 (in Dutch)

Registered office and establishments

Registered office Keibergstraat(ICH) 50, 8480 Ichtegem, Belgium
Establishment unit S&A CONSULT, Keibergstraat(ICH) 50, 8480 Ichtegem since 06-02-2012 · unit number 2.207.219.55801430 Raising of horses and other equines

Activities

NACEBEL 2025
82990 Other business support services main activity
Codes under NACEBEL 2008
82990 Other business support services main activity

Invoicing and payment

VAT number BE 0843.865.653
E-invoicing via Peppol
Reachable via Peppol
Peppol ID 0208:0843865653
Registered 12-12-2025

Follow this company and you will hear the next morning if it leaves the Peppol register.

Register as of 3 November 2026 · Peppol Directory

Financial year and general meeting

Accounts at the NBB
Financial year end 31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Saturday of June at 16:00
deed of 05-07-2023 (in Dutch)

Sites & property

Location
registered office establishment The establishment unit on the map

Buildings and parcels at the address

Ground area
1.6 ha
Building footprint
260 m²
Building volume
1,376 m³
Cadastral parcel Region Area Buildings Height / floors
35006B1457/00A000 Flanders 1.6 ha 1 · 260 m² 9.7 m · 2