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 €199k and a net result of €18k. Equity is growing by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 85% of 677 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
91
/ 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
Profitability79▲+2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 8.64 against 10.14 in 2024; short-term debt: 9% and cash: 34.1% of total assets), and 9% 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 58
Relative position
BE, all sectors
reference
Sector 58
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
91%
Return on assets
8.1%
Age of the figures
9 mo
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
31 d early
2023
23 d early
2022
28 d early
2021
31 d late
2020
62 d late
2019
34 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€199k▲ 9.7%
2024 · €181k
2018: €119k
2019: €135k
2020: €145k
2021: €155k
2022: €166k
2023: €168k
2024: €181k
2018 → 2025
Total assets
€218k▲ 12.0%
2024 · €195k
2018: €138k
2019: €157k
2020: €162k
2021: €171k
2022: €189k
2023: €171k
2024: €195k
2018 → 2025
Net result
€18k▲ 30.4%
2024 · €14k
2018: €11k
2019: €16k
2020: €10k
2021: €11k
2022: €11k
2023: €13k
2024: €14k
2018 → 2025
Working capital
€150k▲ 18.9%
2024 · €127k
2018: €38k
2019: €60k
2020: €61k
2021: €78k
2022: €96k
2023: €104k
2024: €127k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€155k-€166k▲ 6.9%€168k▲ 1.0%€181k▲ 8.1%€199k▲ 9.7%
Operating result€17k-€17k▼ 0.2%€18k▲ 1.6%€23k▲ 29.9%€30k▲ 31.8%
Net result€11k-€11k▼ 0.3%€13k▲ 21.7%€14k▲ 3.9%€18k▲ 30.4%
Turnover and EBIT margin not published: the 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 32% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €218k
Fixed assets
€48k▼ 11.5%
Current assets
€170k▲ 21.2%
Equity and liabilities €218k
Equity
€199k▲ 9.7%
Debt
€20k▲ 42.3%
The debt ratio rises from 7.1% to 9.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€37k▲
2024 · €32k
Cash flow
€25k▲
2024 · €22k
Solvency
91.0%▼
2024 · 92.9%
Current ratio
8.64▼
2024 · 10.14
Quick ratio
8.64▼
2024 · 10.14
Debt / equity
0.10▲
2024 · 0.08
ROE
8.9%▲
2024 · 7.5%
ROA
8.1%▲
2024 · 6.9%
Interest coverage
73.31▲
2024 · 63.34
Debt
€20k▲
2024 · €14k
Debt ≤ 1 year
€20k▲
2024 · €14k
Income taxes
€12k▲
2024 · €9k
Staff costs
€4k▼
2024 · €6k
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€195k€218k▲
Fixed assets21/28€55k€48k▼
Tangible fixed assets22/27€55k€48k▼
Land and buildings22€47k€44k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€4k€2k▼
Current assets29/58€140k€170k▲
Amounts receivable within one year40/41€84k€94k▲
Trade receivables40€9k€485▼
Other amounts receivable41€75k€93k▲
Cash at bank and in hand54/58€53k€74k▲
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€195k€218k▲
Equity10/15€181k€199k▲
Contributions10/11€6k€6k=
Reserves13€175k€193k▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€173k€193k▲
Amounts payable17/49€14k€20k▲
Amounts payable within one year42/48€14k€20k▲
Financial debts43€1k-
Credit institutions430/8€1k-
Trade debts44€7k€4k▼
Suppliers440/4€7k€4k▼
Taxes, remuneration and social security45€6k€16k▲
Taxes450/3€6k€12k▲
Remuneration and social security454/9-€4k
Income statement
Code20242025
Remuneration, social security and pensions62€6k€4k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€7k▼
Other operating charges640/8€2k€12k▲
Non-recurring operating charges66A€5k-
Gross operating margin9900€44k€54k▲
Operating profit (loss)9901€23k€30k▲
Financial income75/76B€327€1▼
Recurring financial income75€327€1▼
Financial charges65/66B€499€504▲
Recurring financial charges65€499€504▲
Profit (loss) for the period before taxes9903€23k€29k▲
Income taxes67/77€9k€12k▲
Profit (loss) for the period9904€14k€18k▲
Profit (loss) for the period to be appropriated9905€14k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€18k▲
Transfer to equity691/2€14k€18k▲
To other reserves6921€14k€18k▲
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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €18k ▲30.4%
Operating result €30k, net result €18k, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 6current ratio 33.77
Current ratio from 5.21 to 33.77; short-term debt falls from €23k to €3k.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €150kEq €155k ▲7.4%
4 profitable years in a row build equity to €155k.
01-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 62 days late
2020
31-12
Financial
Weakest financial yearnet €10k ▼39.6%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 34 days late
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Leuven · 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.
Wilselsesteenweg 413010 LeuvenGround area
750 m²
Building footprint
88 m²
Volume, LiDAR
599 m³
Parcel 24051A0466/00F003, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
S-CONSULT
since 20052.149.761.312
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24051A0466/00F003 | Flanders | 750 m² | 1 · 88 m² | 10.5 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.
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COMPANY SOLUTIONS
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Of 1,279 companies in sector 58290 we hold annual accounts for 593. 462 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-09-2005
Fiscal year end31-12
Activities, NACEBEL
58290Other software publishing
62020IT consultancy
62200Computer consultancy and computer facilities management
72210
47400Retail sale of information and communication equipment
47410Retail trade
52487
62900Other information technology and computer services
72100
72600
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.