S.TP CONSULTING
ActiveS.TP CONSULTING has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23k and a net result of €24k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 20% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
65
/ 100
Healthy▼ -11 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency21▼-11
Growth32▼-46
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.0 against 1.11 in 2024), and 84.9% 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+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 · 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
15.1%
Return on assets
15.5%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 31527 sector peers (2025).
NBB · sector comparisonPosition among 31527 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-08-2026, 1 day later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
1 d late
2024
20 d late
2023
2 d late
2022
30 d late
2021
26 d late
2020
18 d late
2019
91 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€90k
EBIT margin
29.4%
Net result
€24k▼ 70.3%
2024 · €81k
2018: €26k
2019: €-1k
2020: €-5k
2021: €35k
2022: €46k
2023: €77k
2024: €81k
2018 → 2025
Working capital
€588▼ 96.3%
2024 · €16k
2018: €22k
2019: €23k
2020: €19k
2021: €22k
2022: €-2k
2023: €5k
2024: €16k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€22k▲ 1.4%€29k▲ 31.0%€39k▲ 37.6%€23k▼ 40.7%
Operating result€45k-€57k▲ 26.6%€103k▲ 81.4%€112k▲ 9.0%€39k▼ 65.4%
Net result€35k-€46k▲ 29.3%€77k▲ 67.3%€81k▲ 5.2%€24k▼ 70.3%
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 65% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €155k
Fixed assets
€23k▼ 2.6%
Current assets
€132k▼ 16.5%
Equity and liabilities €155k
Equity
€23k▼ 40.7%
Debt
€131k▼ 7.5%
The debt ratio rises from 78.2% to 84.9%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€44k▼
2024 · €116k
Cash flow
€29k▼
2024 · €85k
Solvency
15.1%▼
2024 · 21.8%
Current ratio
1.00▼
2024 · 1.11
Quick ratio
1.00▼
2024 · 1.11
Debt / equity
5.61▲
2024 · 3.59
ROE
102.4%▼
2024 · 204.8%
ROA
15.5%▼
2024 · 44.6%
Interest coverage
40.45▼
2024 · 49.08
Debt
€131k▼
2024 · €142k
Debt ≤ 1 year
€131k▼
2024 · €142k
Income taxes
€14k▼
2024 · €29k
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€181k€155k▼
Fixed assets21/28€23k€23k▼
Tangible fixed assets22/27€23k€23k▼
Plant, machinery and equipment23€18k€16k▼
Furniture and vehicles24€6k€7k▲
Financial fixed assets28€96€96=
Current assets29/58€158k€132k▼
Amounts receivable within one year40/41€79k€34k▼
Trade receivables40€78k€28k▼
Other amounts receivable41€1k€5k▲
Cash at bank and in hand54/58€79k€92k▲
Deferred charges and accrued income490/1-€6k
Equity and liabilities
Total equity and liabilities10/49€181k€155k▼
Equity10/15€39k€23k▼
Reserves13€20k€20k=
Distributable reserves133€20k€20k=
Profit (loss) carried forward14€19k€3k▼
Amounts payable17/49€142k€131k▼
Amounts payable within one year42/48€142k€131k▼
Trade debts44€7k€8k▲
Suppliers440/4€7k€8k▲
Taxes, remuneration and social security45€19k€14k▼
Taxes450/3€19k€8k▼
Remuneration and social security454/9-€6k
Other amounts payable47/48€116k€109k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A-€540
Gross operating margin9900€117k€45k▼
Operating profit (loss)9901€112k€39k▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€109k€38k▼
Income taxes67/77€29k€14k▼
Profit (loss) for the period9904€81k€24k▼
Profit (loss) for the period to be appropriated9905€81k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€89k€43k▼
Profit (loss) brought forward from the previous period14P€8k€19k▲
Profit to be distributed694/7€70k€40k▼
Return on contributions (dividend)694€70k€40k▼
The notes to these accounts (5 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
01-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 1 day late
2025
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
31-12
Financial
Highest result since 2018net €81k ▲5.2%
Operating result €112k, net result €81k, both a record.
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Back to profitnet €35k
Net result €35k after 2 loss-making years.
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
31-12
Financial
Weakest financial yearnet €-5k
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 10.19
Current ratio from 3.09 to 10.19; short-term debt falls from €10k to €2k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
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, Halle · 1 establishment unit since 2017
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.
Beertsestraat 1331500 HalleGround area
698 m²
Building footprint
167 m²
Volume, LiDAR
873 m³
Parcel 23027F0214/00V000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
S. TP CONSULTING
since 20172.265.737.480
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23027F0214/00V000 | Flanders | 698 m² | 1 · 167 m² | 8.1 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 82,215 companies in sector 70200 we hold annual accounts for 52,392. 32,100 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-06-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.