S-CONSULT
ActiveS-CONSULT has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €293k and a net result of €132k. Equity is shrinking by ~7.6% per year across the filed fiscal years. Its solvency ranks better than 36% of 9388 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+17
Solvency64▼-20
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 1.58 against 2.35 in 2024; short-term debt: 61.2% and cash: 21% of total assets), but 61.2% 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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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
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
38.8%
Return on assets
17.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-08-2026, 16 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
16 d late
2024
63 d late
2023
29 d late
2022
60 d late
2021
44 d late
2020
90 d late
2019
60 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€293k▼ 53.0%
2024 · €623k
2018: €1.02M
2019: €1.02M
2020: €774k
2021: €1.14M
2022: €1.05M
2023: €1.06M
2024: €623k
2018 → 2025
Total assets
€755k▼ 28.7%
2024 · €1.06M
2018: €1.13M
2019: €1.07M
2020: €798k
2021: €1.28M
2022: €1.18M
2023: €1.09M
2024: €1.06M
2018 → 2025
Net result
€132k▲ 171%
2024 · €49k
2018: €184k
2019: €80k
2020: €63k
2021: €407k
2022: €22k
2023: €46k
2024: €49k
2018 → 2025
Working capital
€269k▼ 54.2%
2024 · €587k
2018: €458k
2019: €505k
2020: €304k
2021: €959k
2022: €958k
2023: €1.00M
2024: €587k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.14M-€1.05M▼ 7.3%€1.06M▲ 0.5%€623k▼ 41.2%€293k▼ 53.0%
Operating result€660k-€116k▼ 82.4%€74k▼ 36.2%€70k▼ 5.2%€190k▲ 170%
Net result€407k-€22k▼ 94.6%€46k▲ 107%€49k▲ 6.4%€132k▲ 171%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 170% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €755k
Fixed assets
€24k▼ 32.9%
Current assets
€731k▼ 28.5%
Equity and liabilities €755k
Equity
€293k▼ 53.0%
Debt
€462k▲ 6.0%
The debt ratio rises from 41.2% to 61.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€202k▲
2024 · €95k
Cash flow
€144k▲
2024 · €73k
Solvency
38.8%▼
2024 · 58.8%
Current ratio
1.58▼
2024 · 2.35
Quick ratio
1.58▼
2024 · 2.35
Debt / equity
1.58▲
2024 · 0.70
ROE
45.1%▲
2024 · 7.8%
ROA
17.5%▲
2024 · 4.6%
Interest coverage
162.54▲
2024 · 57.59
Debt
€462k▲
2024 · €436k
Debt ≤ 1 year
€462k▲
2024 · €436k
Income taxes
€67k▲
2024 · €31k
Staff costs
€47k▲
2024 · €45k
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€1.06M€755k▼
Fixed assets21/28€36k€24k▼
Tangible fixed assets22/27€36k€24k▼
Furniture and vehicles24€36k€24k▼
Current assets29/58€1.02M€731k▼
Amounts receivable within one year40/41€100k€48k▼
Trade receivables40€39k€10k▼
Other amounts receivable41€61k€38k▼
Current investments50/53€523k€523k=
Cash at bank and in hand54/58€398k€159k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.06M€755k▼
Equity10/15€623k€293k▼
Contributions10/11€19k€19k=
Reserves13€604k€274k▼
Distributable reserves133€604k€274k▼
Amounts payable17/49€436k€462k▲
Amounts payable within one year42/48€436k€462k▲
Trade debts44€22k€14k▼
Suppliers440/4€22k€14k▼
Taxes, remuneration and social security45€13k€13k▼
Taxes450/3€8k€7k▼
Remuneration and social security454/9€5k€5k▲
Other amounts payable47/48€401k€435k▲
Income statement
Code20242025
Non-recurring operating income76A€176k-
Remuneration, social security and pensions62€45k€47k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€12k▼
Other operating charges640/8€4k€1k▼
Gross operating margin9900€143k€250k▲
Operating profit (loss)9901€70k€190k▲
Financial income75/76B€11k€11k▼
Recurring financial income75€11k€11k▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€80k€199k▲
Income taxes67/77€31k€67k▲
Profit (loss) for the period9904€49k€132k▲
Profit (loss) for the period to be appropriated9905€49k€132k▲
Appropriation of the result
Profit (loss) to be appropriated9906€49k€132k▲
Transfer from equity791/2€486k€462k▼
Transfer to equity691/2€49k€132k▲
To other reserves6921€49k€132k▲
Profit to be distributed694/7€486k€462k▼
Directors or managers695€486k€462k▼
The notes to these accounts (4 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
16-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 16 days late
2025
02-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 63 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Liquidity quadruplescurrent ratio 32.38
Current ratio from 8.37 to 32.38; short-term debt falls from €130k to €32k.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Weakest financial yearnet €22k ▼94.6%
Net result drops to €22k, the lowest in the series; recovery starts the following year.
13-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 44 days late
2021
31-12
Financial
Highest result since 2018net €407k ▲545%
Operating result €660k, net result €407k, both a record.
31-12
Financial
Equity above €1MEq €1.14M ▲46.9%
4 profitable years in a row build equity to €1.14M.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 11.68
Current ratio from 5.13 to 11.68; short-term debt falls from €111k to €47k.
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 92 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
04-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 65 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Stekene · 1 establishment unit since 2005
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.
Molenbergstraat(STE) 379190 StekeneGround area
784 m²
Building footprint
167 m²
Volume, LiDAR
712 m³
Parcel 46024A1004/00R000, Flanders · tallest building 6.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
S-Consult
since 20052.145.076.014
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46024A1004/00R000 | Flanders | 784 m² | 1 · 167 m² | 6.0 m · 1 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400X2J6HKPNFE4F14
Similar companies · same sector, comparable size
FOCUS ADVIESBUREAU
BE 0461.551.239
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BE 0722.661.084
Bocholt · Eq €293k
STRUCTOMAR
BE 0804.295.393
Hasselt · Eq €293k
STUDIEBUREAU VAN HOORICKX
BE 0447.721.316
Turnhout · Eq €291k
Rock Nublo
BE 0822.019.669
Ham-sur-Heure-Nalinnes · Eq €294k
Of 11,554 companies in sector 71121 we hold annual accounts for 6,557. 4,898 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-01-2005
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
71121Engineering and related technical consultancy, excluding land surveyors
68322Real estate appraisal on a fee or contract basis
70312
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.