Equity
Equity rose in 2024 from €200,906 to €264,976.
Equity rose in 2024 from €200,906 to €264,976.
The micro format states no turnover.
2025 accounts not filed: deadline was 31-07-2026.
New director. Latest change 06-02-2026 · 1 in office.
Higher net result than 83% of companies in head offices and management consultancy. Sector median €26,142 · 37,607 companies.
A confirmed filing finding caps the score at 59.
The dashed line is the sector median: 0.1% across 48,572 companies (NACE 70, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 70, micro). It does better than 68% of them on solvency, 54% on liquidity, 68% on profitability and 74% on growth.
The bankruptcy probability was computed on 10-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2024.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
In July 2024, 26,972 companies had the same profile as S.E. CONSULT has now. Each dot stands for 68 companies, two years later.
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of S.E. CONSULT itself: 0.3% within 12 months.
The method was tested on the 497,447 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.
| 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 26,972 companies, not a prediction for S.E. 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.
Liquidity is ample, with a current ratio of 3.39 (3.0 in 2023), above the usual 1.5. Short-term debt is 27.8% and cash 18.9% of total assets. 27.8% of the assets are financed with debt and provisions.
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.
The company filed its last 6 accounts on average 6 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| S.E. CONSULT Machelen (Brab.) | €366,936 | €116,541 | 72.2% | - |
| VikkaR Tienen | €367,370 | €126,285 | 50.0% | - |
| MEDAAR Dilbeek | €339,239 | €116,664 | 44.3% | - |
| JVLCONSULTANCY Halle | €373,546 | €128,055 | 65.2% | - |
| HIGHLINGTON Liedekerke | €401,606 | €107,510 | 83.1% | - |
| OPITRA Halle | €340,038 | €123,249 | 68.6% | - |
| ResTechIn Overijse | €357,982 | €112,422 | 84.9% | - |
These companies have the same main activity as S.E. CONSULT: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €339,000 and €402,000, founded between 2018 and 2019.
S.E. CONSULT files the micro format. That format states no turnover. The gross margin rose from €59,281 in 2019 to €116,541 in 2024.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
2025 annual accounts not yet filed, deadline passed on 31 July 2026 The financial year closed on 31 December 2025. The accounts are due at the latest 7 months after the close (Companies Code art. 3:10). Source: NBB filings, as of 11 November 2026.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €200,000. Estimated: probably between €170,000 and €240,000.
Higher than 66% of 37,582 companies in 2024.
Higher than 65% of 36,335 companies in 2024.
Higher than 67% of 36,821 companies in 2024.
Net result: top quarter · Equity: top quarter · Balance sheet total: middle half · Working capital: top quarter
| Line | Trend | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|
| Balance sheet: assets | |||||||
20/58 |
366,936 | 286,920 | 167,353 | 98,994 | 130,722 | 63,659 | |
21/28 |
21,096 | 28,796 | 4,509 | 10,297 | 10,300 | 23,505 | |
21 |
3,000 | 3,500 | 4,000 | 4,500 | - | - | |
22/27 |
18,000 | 25,200 | 413 | 5,701 | 10,204 | 23,409 | |
24 |
18,000 | 25,200 | 413 | 5,701 | 10,204 | 23,409 | |
28 |
96 | 96 | 96 | 96 | 96 | 96 | |
29/58 |
345,840 | 258,124 | 162,844 | 88,697 | 120,422 | 40,155 | |
29 |
240,000 | 165,000 | - | - | - | - | |
291 |
240,000 | 165,000 | - | - | - | - | |
40/41 |
36,594 | 35,061 | 85,345 | 41,239 | 41,130 | 24,329 | |
40 |
34,162 | 32,247 | 8,663 | - | 13,465 | 12,495 | |
41 |
2,432 | 2,815 | 76,682 | 41,239 | 27,665 | 11,834 | |
54/58 |
69,246 | 58,063 | 77,290 | 47,458 | 79,292 | 12,783 | |
490/1 |
- | - | 209 | - | - | 3,044 | |
| Balance sheet: equity and liabilities | |||||||
10/49 |
366,936 | 286,920 | 167,353 | 98,994 | 130,722 | 63,659 | |
10/15 |
264,976 | 200,906 | 132,355 | 81,355 | 93,468 | 32,563 | |
10/11 |
6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | |
100 |
- | - | - | - | 19,000 | 19,000 | |
101 |
- | - | - | - | 12,800 | 12,800 | |
11 |
6,200 | 6,200 | 6,200 | 6,200 | - | - | |
1109/19 |
6,200 | 6,200 | 6,200 | 6,200 | - | - | |
13 |
1,900 | 1,900 | 1,900 | 1,900 | 1,900 | 1,900 | |
130/1 |
1,900 | 1,900 | 1,900 | 1,900 | 1,900 | - | |
130 |
- | - | - | - | 1,900 | 1,900 | |
1311 |
1,900 | 1,900 | 1,900 | 1,900 | - | - | |
14 |
256,876 | 192,806 | 124,255 | 73,255 | 85,368 | 24,463 | |
17/49 |
101,960 | 86,013 | 34,998 | 17,640 | 37,254 | 31,096 | |
42/48 |
101,960 | 86,013 | 34,998 | 17,640 | 37,254 | 31,096 | |
44 |
9,263 | 2,778 | 3,205 | 1,458 | 7,439 | 3,106 | |
440/4 |
9,263 | 2,778 | 3,205 | 1,458 | 7,439 | 3,106 | |
45 |
51,697 | 43,236 | 21,794 | 16,181 | 29,815 | 11,990 | |
450/3 |
51,697 | 43,236 | 20,094 | 16,181 | 29,815 | 11,990 | |
454/9 |
- | - | 1,700 | - | - | - | |
47/48 |
41,000 | 40,000 | 10,000 | - | - | 16,000 | |
| Income statement | |||||||
9900 |
116,541 | 131,213 | 84,653 | -5,011 | 91,743 | 59,281 | |
630 |
7,700 | 4,513 | 5,788 | 6,242 | 13,204 | 7,954 | |
640/8 |
1,412 | 1,773 | 1,173 | 510 | 1,343 | 953 | |
66A |
- | - | 1,361 | - | - | - | |
9901 |
107,430 | 124,926 | 76,332 | -11,763 | 77,196 | 50,374 | |
75/76B |
1,459 | 1,188 | - | - | 1 | - | |
75 |
1,459 | 1,188 | - | - | 1 | - | |
65/66B |
514 | 339 | 536 | 233 | 283 | 174 | |
65 |
514 | 339 | 536 | 233 | 283 | 174 | |
9903 |
108,374 | 125,775 | 75,796 | -11,997 | 76,914 | 50,200 | |
67/77 |
19,305 | 17,224 | 14,795 | 117 | 16,009 | 7,837 | |
9904 |
89,069 | 108,551 | 61,000 | -12,113 | 60,905 | 42,363 | |
9905 |
89,069 | 108,551 | 61,000 | -12,113 | 60,905 | 42,363 | |
| Appropriation of the result | |||||||
9906 |
281,876 | 232,806 | 134,255 | 73,255 | 85,368 | 42,363 | |
14P |
192,806 | 124,255 | 73,255 | 85,368 | - | - | |
691/2 |
- | - | - | - | - | 1,900 | |
6920 |
- | - | - | - | - | 1,900 | |
694/7 |
25,000 | 40,000 | 10,000 | - | - | 16,000 | |
695 |
25,000 | 40,000 | 10,000 | - | - | 16,000 | |
| Document | |||||||
The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2024 (PDF), filed on 30-08-2025.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2024 | micro format | 30-08-2025 | 2025-00472626 | |
| 31-12-2023 | micro format | 30-08-2024 | 2024-00441549 | |
| 31-12-2022 | micro format | 05-07-2023 | 2023-00216294 | |
| 31-12-2021 | micro format | 18-07-2022 | 2022-20201860 | |
| 31-12-2020 | micro format | 29-08-2021 | 2021-57400476 | |
| 31-12-2019 | micro format | 17-07-2020 | 2020-31700325 |
| Line | Trend | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|
| 115,130 | 129,439 | 82,120 | -5,521 | 90,400 | 58,328 | ||
| 96,769 | 113,064 | 66,788 | -5,871 | 74,109 | 50,317 | ||
| 0 | 24,787 | 0 | 6,239 | 0 | 31,459 | ||
| 11,184 | -19,228 | 29,832 | -31,834 | 66,510 | - | ||
| 243,880 | 172,110 | 127,846 | 71,058 | 83,168 | 9,059 | ||
| 72.2% | 70.0% | 79.1% | 82.2% | 71.5% | 51.2% | ||
| 3.39 | 3.00 | 4.65 | 5.03 | 3.23 | 1.29 | ||
| 0.38 | 0.43 | 0.26 | 0.22 | 0.40 | 0.95 | ||
| 33.6% | 54.0% | 46.1% | -14.9% | 65.2% | 130.1% | ||
| 24.3% | 37.8% | 36.5% | -12.2% | 46.6% | 66.5% | ||
| over 100 | over 100 | over 100 | -23.65 | - | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
| Tangible fixed assets | - | €24,787 | - | €1,739 |
| Intangible fixed assets | - | - | - | €4,500 |
| €7,700 | €4,513 | €5,788 | €6,242 |
Source: notes to the 2021 to 2024 annual accounts (statement of fixed assets)
The operating result for 2024 is 14% lower than in 2023.
Debt's share of the balance-sheet total falls from 30.0% to 27.8%. Equity and debt are higher.
S.E. CONSULT has no parent and no holdings in its annual accounts. EL HAMMOUTI Saloua is the only director. S.E. CONSULT shares no director with another company.
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
S.E. CONSULT was incorporated on 14 November 2018 by two natural persons, with a starting capital of €19,000.12 The registered office was moved to Diegem in 2019.3 EL HAMMOUTI Saloua is director of the company, appointed by deed of 06-02-2026.4 Total assets rose from €63,659 in 2019 to €366,936 in 2024.5
| Establishment | Since | Unit number |
|---|---|---|
| Karel Van Miertstraat 8 registered office 1831 Machelen (Brab.) | 15-11-2018 | 2.288.661.550 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 23015C0115/00L000 | 1,803 m² | 1 · 81 m² | 24.5 m |
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