S.F. Consultant
ActiveS.F. Consultant has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €212k and a net result of €7k. Equity is growing by ~17.4% per year across the filed fiscal years. Its solvency ranks better than 25% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▲+19
Solvency47▲+1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 2.98 against 3.65 in 2024; short-term debt: 5.6% and cash: 4.3% of total assets), but 77.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
22.2%
Return on assets
0.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 31584 sector peers (2025).
NBB · sector comparisonPosition among 31584 sector peers
Solvency
better than 25%
← weakest
strongest →
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
76 d early
2023
28 d late
2022
20 d early
2021
2 d late
2020
88 d early
2019
58 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€212k▲ 3.6%
2024 · €204k
2018: €71k
2019: €94k
2020: €97k
2021: €91k
2022: €134k
2023: €163k
2024: €204k
2018 → 2025
Total assets
€954k▼ 2.8%
2024 · €981k
2018: €560k
2019: €689k
2020: €699k
2021: €887k
2022: €896k
2023: €951k
2024: €981k
2018 → 2025
Net result
€7k▼ 82.1%
2024 · €41k
2018: €10k
2019: €184k
2020: €13k
2021: €22k
2022: €75k
2023: €7k
2024: €41k
2018 → 2025
Working capital
€106k▼ 19.0%
2024 · €131k
2018: €30k
2019: €185k
2020: €166k
2021: €145k
2022: €204k
2023: €206k
2024: €131k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€91k-€134k▲ 46.7%€163k▲ 21.8%€204k▲ 25.3%€212k▲ 3.6%
Operating result€43k-€111k▲ 160%€52k▼ 53.2%€66k▲ 26.5%€16k▼ 75.4%
Net result€22k-€75k▲ 236%€7k▼ 90.7%€41k▲ 497%€7k▼ 82.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 75% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €954k
Fixed assets
€794k▼ 0.9%
Current assets
€159k▼ 11.5%
Equity and liabilities €954k
Equity
€212k▲ 3.6%
Provisions
€86k▼ 1.4%
Debt
€656k▼ 4.9%
The debt ratio falls from 70.2% to 68.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€42k▼
2024 · €86k
Cash flow
€33k▼
2024 · €61k
Solvency
22.2%▲
2024 · 20.8%
Current ratio
2.98▼
2024 · 3.65
Quick ratio
2.98▼
2024 · 3.65
Debt / equity
3.10▼
2024 · 3.37
ROE
3.5%▼
2024 · 20.2%
ROA
0.8%▼
2024 · 4.2%
Interest coverage
4.20▲
2024 · 1.45
Debt
€656k▼
2024 · €689k
Debt ≤ 1 year
€54k▲
2024 · €49k
Debt > 1 year
€602k▼
2024 · €639k
Income taxes
€2k▼
2024 · €10k
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€981k€954k▼
Fixed assets21/28€801k€794k▼
Tangible fixed assets22/27€801k€794k▼
Land and buildings22€801k€779k▼
Furniture and vehicles24-€15k
Financial fixed assets28€150€150=
Current assets29/58€180k€159k▼
Amounts receivable after more than one year29€72k€69k▼
Other amounts receivable291€72k€69k▼
Amounts receivable within one year40/41€7k-
Other amounts receivable41€7k-
Current investments50/53€49k€49k=
Cash at bank and in hand54/58€51k€41k▼
Deferred charges and accrued income490/1€247-
Equity and liabilities
Total equity and liabilities10/49€981k€954k▼
Equity10/15€204k€212k▲
Contributions10/11€20k€20k=
Revaluation surpluses12€23k€22k▼
Reserves13€1k€2k▲
Distributable reserves133€1k€2k▲
Profit (loss) carried forward14€160k€167k▲
Provisions and deferred taxes16€88k€86k▼
Provisions for liabilities and charges160/5€88k€86k▼
Environmental obligations163€88k€86k▼
Amounts payable17/49€689k€656k▼
Amounts payable after more than one year17€639k€602k▼
Financial debts170/4€639k€602k▼
Amounts payable within one year42/48€49k€54k▲
Current portion of amounts payable after more than one year42€48k€47k▼
Trade debts44€2k€776▼
Suppliers440/4€2k€776▼
Taxes, remuneration and social security45-€2k
Taxes450/3-€2k
Other amounts payable47/48-€3k
Accrued charges and deferred income492/3€719€403▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€25k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€-26k€-1k▲
Other operating charges640/8€40k€1k▼
Gross operating margin9900€100k€41k▼
Operating profit (loss)9901€66k€16k▼
Financial income75/76B€45k€3k▼
Recurring financial income75€45k€3k▼
Financial charges65/66B€59k€10k▼
Recurring financial charges65€59k€10k▼
Profit (loss) for the period before taxes9903€52k€10k▼
Income taxes67/77€10k€2k▼
Profit (loss) for the period9904€41k€7k▼
Profit (loss) for the period to be appropriated9905€41k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€160k€167k▲
Profit (loss) brought forward from the previous period14P€118k€160k▲
The notes to these accounts (10 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €204k ▲25.3%
7 profitable years in a row build equity to €204k.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Weakest financial yearnet €7k ▼90.7%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €163k ▲21.8%
6 profitable years in a row build equity to €163k.
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €134k ▲46.7%
5 profitable years in a row build equity to €134k.
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
04-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 6.49
Current ratio from 2.22 to 6.49; short-term debt falls from €152k to €30k.
03-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €184k ▲1707%
Operating result €120k, net result €184k, both a record.
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 7 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2016
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
02-04-2016
Jessy Correnti: Resigned as Managing director
02-04-2016
LCCS Fievet: Resigned as Managing director
Location & real-estate footprint
Registered office, Orp-Jauche · 1 establishment unit since 2008
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.
Clos du Gros Fossé(O) 111350 Orp-JaucheGround area
4,287 m²
Building footprint
173 m²
Volume, LiDAR
1,361 m³
Parcel 25082B0676/00L002, Wallonia · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Clos du Gros Fossé(O) 11, 1350 Orp-Jauche
since 20082.364.110.427
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25082B0676/00L002 | Wallonia | 4,287 m² | 1 · 173 m² | 9.9 m · 3 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.
Statutory auditor
2 auditors| LCCS Statutory auditor · represented by Fiévet Stéphane | - → 24-10-2013 |
Show 1 earlier auditors
| Wampach Alexandre Statutory auditor | - → 24-10-2013 |
Recognitions · licences · registrations
Legal Entity Identifier
984500GEA166E3OC6C79
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 39,597 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-12-2008
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
66199Other activities auxiliary to financial services, excluding insurance and pension funding
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68204Real estate activities
86909Human health activities
86995Nutrition and dietetics services
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.