S & H CONSULTING
ActiveS & H CONSULTING has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €419k and a net result of €88k. Equity is growing by ~10.7% per year across the filed fiscal years. Its solvency ranks better than 82% of 4604 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▲+2
Solvency96▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 3.43 against 5.47 in 2024; short-term debt: 26.4% and cash: 46.1% of total assets), and 29.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
70.5%
Return on assets
14.9%
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 22-05-2026, 70 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
70 d early
2024
77 d early
2023
89 d early
2022
38 d early
2021
54 d early
2020
40 d early
2019
30 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€419k▼ 7.0%
2024 · €451k
2018: €193k
2019: €266k
2020: €296k
2021: €236k
2022: €318k
2023: €378k
2024: €451k
2018 → 2025
Total assets
€594k▲ 1.6%
2024 · €585k
2018: €329k
2019: €373k
2020: €347k
2021: €408k
2022: €439k
2023: €536k
2024: €585k
2018 → 2025
Net result
€88k▲ 19.4%
2024 · €74k
2018: €49k
2019: €74k
2020: €32k
2021: €81k
2022: €83k
2023: €62k
2024: €74k
2018 → 2025
Working capital
€380k▼ 8.9%
2024 · €418k
2018: €229k
2019: €243k
2020: €283k
2021: €230k
2022: €290k
2023: €339k
2024: €418k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€236k-€318k▲ 34.6%€378k▲ 19.0%€451k▲ 19.1%€419k▼ 7.0%
Operating result€114k-€117k▲ 3.2%€90k▼ 23.6%€108k▲ 20.4%€116k▲ 7.0%
Net result€81k-€83k▲ 2.4%€62k▼ 25.6%€74k▲ 19.5%€88k▲ 19.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 7% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €594k
Fixed assets
€57k▼ 22.4%
Current assets
€537k▲ 5.1%
Equity and liabilities €594k
Equity
€419k▼ 7.0%
Debt
€175k▲ 30.7%
The debt ratio rises from 22.9% to 29.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€144k▲
2024 · €137k
Cash flow
€117k▲
2024 · €103k
Solvency
70.5%▼
2024 · 77.1%
Current ratio
3.43▼
2024 · 5.47
Quick ratio
3.43▼
2024 · 5.47
Debt / equity
0.42▲
2024 · 0.30
ROE
21.1%▲
2024 · 16.4%
ROA
14.9%▲
2024 · 12.7%
Interest coverage
41.41▲
2024 · 32.65
Debt
€175k▲
2024 · €134k
Debt ≤ 1 year
€157k▲
2024 · €93k
Debt > 1 year
€19k▼
2024 · €41k
Income taxes
€25k▼
2024 · €30k
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€585k€594k▲
Fixed assets21/28€74k€57k▼
Tangible fixed assets22/27€73k€57k▼
Land and buildings22€185-
Plant, machinery and equipment23€978€4k▲
Furniture and vehicles24€72k€53k▼
Financial fixed assets28€354€354=
Current assets29/58€511k€537k▲
Amounts receivable within one year40/41€132k€98k▼
Trade receivables40€111k€95k▼
Other amounts receivable41€21k€3k▼
Current investments50/53€123k€165k▲
Cash at bank and in hand54/58€256k€274k▲
Equity and liabilities
Total equity and liabilities10/49€585k€594k▲
Equity10/15€451k€419k▼
Contributions10/11€19k€19k=
Reserves13€432k€400k▼
Non-distributable reserves130/1€365k€325k▼
Other1319€365k€325k▼
Distributable reserves133€67k€75k▲
Amounts payable17/49€134k€175k▲
Amounts payable after more than one year17€41k€19k▼
Financial debts170/4€41k€19k▼
Amounts payable within one year42/48€93k€157k▲
Current portion of amounts payable after more than one year42€21k€22k▲
Trade debts44€19k€12k▼
Suppliers440/4€19k€12k▼
Taxes, remuneration and social security45€36k€37k▲
Taxes450/3€28k€36k▲
Remuneration and social security454/9€8k€2k▼
Other amounts payable47/48€17k€86k▲
Income statement
Code20242025
Remuneration, social security and pensions62€20k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€29k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€158k€146k▼
Operating profit (loss)9901€108k€116k▲
Financial income75/76B€457€939▲
Recurring financial income75€457€939▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€104k€113k▲
Income taxes67/77€30k€25k▼
Profit (loss) for the period9904€74k€88k▲
Profit (loss) for the period to be appropriated9905€74k€88k▲
Appropriation of the result
Profit (loss) to be appropriated9906€74k€88k▲
Transfer from equity791/2-€40k
Transfer to equity691/2€72k€8k▼
To other reserves6921€72k€8k▼
Profit to be distributed694/7€2k€120k▲
Directors or managers695€2k€120k▲
The notes to these accounts (9 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
22-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €88k ▲19.4%
Net result €88k, the highest in the series.
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €32k ▼56%
Net result drops to €32k, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €266k ▲37.3%
2 profitable years in a row build equity to €266k.
27-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-05
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Hoeilaart · 1 establishment unit since 2016
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.
Brusselsesteenweg 971560 HoeilaartGround area
413 m²
Building footprint
98 m²
Volume, LiDAR
623 m³
Parcel 23033B0538/00A010, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
S & H CONSULTING
since 20162.249.614.595
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23033B0538/00A010 | Flanders | 413 m² | 1 · 98 m² | 9.2 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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Of 7,006 companies in sector 96999 we hold annual accounts for 602. 327 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-01-2016
Fiscal year end31-12
Activities, NACEBEL
78100Employment placement agencies
96999Other personal services
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
85592Vocational training
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.