S.D.S. CONSULTANCY
ActiveS.D.S. CONSULTANCY has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €61k and a net result of €111k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 26% of 7694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
70
/ 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
Profitability100=
Solvency45▼-10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.09 against 1.18 in 2024; short-term debt: 78% and cash: 46% of total assets), and 80.3% 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+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
19.7%
Return on assets
36%
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 16-04-2026, 106 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
106 d early
2024
136 d early
2023
50 d early
2022
48 d early
2021
31 d early
2020
5 d early
← 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
€61k=
2024 · €61k
2020: €54k
2021: €72k
2022: €87k
2023: €61k
2024: €61k
2020 → 2025
Total assets
€308k▲ 49.9%
2024 · €205k
2020: €129k
2021: €136k
2022: €120k
2023: €209k
2024: €205k
2020 → 2025
Net result
€111k▲ 91.1%
2024 · €58k
2020: €42k
2021: €11k
2022: €15k
2023: €47k
2024: €58k
2020 → 2025
Working capital
€21k▲ 0.7%
2024 · €21k
2020: €21k
2021: €43k
2022: €64k
2023: €18k
2024: €21k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€72k-€87k▲ 21.5%€61k▼ 30.5%€61k=€61k=
Operating result€17k-€22k▲ 34.0%€64k▲ 188%€77k▲ 21.3%€147k▲ 90.0%
Net result€11k-€15k▲ 38.0%€47k▲ 206%€58k▲ 22.5%€111k▲ 91.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 90% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €308k
Fixed assets
€46k▼ 27.5%
Current assets
€261k▲ 85.0%
Equity and liabilities €308k
Equity
€61k=
Debt
€247k▲ 70.8%
The debt ratio rises from 70.5% to 80.3%. Debt is higher.
Key figures and ratios
EBITDA
€166k▲
2024 · €97k
Cash flow
€130k▲
2024 · €77k
Solvency
19.7%▼
2024 · 29.5%
Current ratio
1.09▼
2024 · 1.18
Quick ratio
1.09▼
2024 · 1.18
Debt / equity
4.08▲
2024 · 2.39
ROE
182.5%▲
2024 · 95.5%
ROA
36.0%▲
2024 · 28.2%
Interest coverage
51.43▲
2024 · 25.07
Debt
€247k▲
2024 · €145k
Debt ≤ 1 year
€240k▲
2024 · €120k
Debt > 1 year
€6k▼
2024 · €23k
Income taxes
€33k▲
2024 · €16k
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€205k€308k▲
Fixed assets21/28€64k€46k▼
Tangible fixed assets22/27€64k€46k▼
Plant, machinery and equipment23€1k€1k▲
Furniture and vehicles24€54k€38k▼
Other tangible fixed assets26€9k€8k▼
Current assets29/58€141k€261k▲
Amounts receivable within one year40/41€86k€119k▲
Trade receivables40€86k€119k▲
Other amounts receivable41€54€312▲
Cash at bank and in hand54/58€55k€141k▲
Deferred charges and accrued income490/1€508€523▲
Equity and liabilities
Total equity and liabilities10/49€205k€308k▲
Equity10/15€61k€61k=
Contributions10/11€19k€19k=
Reserves13€42k€42k=
Distributable reserves133€42k€42k=
Amounts payable17/49€145k€247k▲
Amounts payable after more than one year17€23k€6k▼
Financial debts170/4€23k€6k▼
Amounts payable within one year42/48€120k€240k▲
Current portion of amounts payable after more than one year42€17k€17k▲
Financial debts43€140€918▲
Credit institutions430/8€140€918▲
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Advances received on contracts in progress46-€88k
Taxes, remuneration and social security45€19k€14k▼
Taxes450/3€16k€14k▼
Remuneration and social security454/9€2k-
Other amounts payable47/48€83k€118k▲
Accrued charges and deferred income492/3€1k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€20k▲
Other operating charges640/8€801€779▼
Gross operating margin9900€98k€167k▲
Operating profit (loss)9901€77k€147k▲
Financial income75/76B€718-
Recurring financial income75€718-
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€74k€144k▲
Income taxes67/77€16k€33k▲
Profit (loss) for the period9904€58k€111k▲
Profit (loss) for the period to be appropriated9905€58k€111k▲
Appropriation of the result
Profit (loss) to be appropriated9906€58k€111k▲
Profit to be distributed694/7€58k€111k▲
Return on contributions (dividend)694€58k€111k▲
The notes to these accounts (7 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
16-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €111k ▲91.1%
Operating result €147k, net result €111k, both a record.
17-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €11k ▼73.4%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
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, Kortrijk · 1 establishment unit since 2019
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.
Bohemenberg(Kor) 188500 KortrijkGround area
1,998 m²
Parcel 34022E1076/00N000, Flanders. Linked by address, not a title deed.
1 establishment unit
S.D.S. CONSULTANCY
since 20192.288.328.285
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34022E1076/00N000 | Flanders | 1,998 m² | - | - |
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.
Similar companies · same sector, comparable size
LABEY FREELANCE
BE 1014.265.652
Ukkel · Eq €61k
CUIJPERS
BE 0894.575.966
Schoten · Eq €61k
ENIGMA CONSULT
BE 0645.524.112
Hooglede · Eq €61k
JDF BEHEER
BE 0675.990.822
Nijlen · Eq €60k
MASTER REEF
BE 0831.819.045
Donceel · Eq €61k
Of 11,216 companies in sector 82100 we hold annual accounts for 3,512. 2,565 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-03-2019
Fiscal year end31-12
Activities, NACEBEL
82100Office administrative and support services
82110Office administrative, office support and other business support activities
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.