Equity
€102,224 ▼ 27.5%
S3M Consulting paid out €70,434 in dividends. That is 222% of the 2025 profit.
S3M Consulting
Lifetime
20 annual accounts with figures on one time axis, 21 filings since 2005peak €221,600 (2011)
€102,188▲ 2.2%
lowest -€119,169 (2008)
€31,704▲ 17.5%
peak €140,954 (2024)
€102,224▼ 27.5%
€514,610▲ 6.0%
peak 1.7 FTE (2012)
-not published
Board3 names since 2005
3 directorsMalik Sheryar and 2 others
Documentsfilings and deeds
29-07-20262 days before the deadline
2025micro format
Dividend €70,434Equity from €140,954 to €102,224Cash from €90,111 to €122,586
Key points
from the 2025 annual accountsTurnover
≈ €260,000 estimated
The micro format states no turnover.
Debts
€514,610 83% of the balance sheet
Financial debts 64%Suppliers 1%Taxes and wages 10%Other 25%
Of this, €182,744 falls due within a year.
Liquidity
2.08 was 3.54 in 2024
Short-term debts rose from €102,199 to €182,744.
Filings
21 annual accounts since 2005
Nine of the last ten came late. The 2017 accounts came latest: 121 days after the end of the period.
Position in the sector
€616,833
Larger balance sheet than 90% of companies in education. Sector median €93,911 · 2,617 companies.
Checked score
92
Excellent
Financially stronger than 37% of micro companies in education (NACE 85)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 3,825 companies (NACE 85, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: 0.1%▲ +0.1 percentage points vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.2%▲ +0.1 percentage points vs 07-2025highest value
09-2025: < 0.1%▼ -0.2 percentage points vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Size: total assets €616,833
Sector: Education (NACE 85)
Figures for financial year 2025 (filed on 29-07-2026)
Liquidity: current ratio 2.08, cash €122,586
Calculation
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 85, micro). It does better than 27% of them on solvency, 51% on liquidity, 51% on profitability and 20% 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 31-12-2025.
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).
Comparable companies, two years later
In July 2024, 2,613 companies had the same profile as S3M Consulting has now. Each dot stands for 7 companies, two years later.
97.3%
were still trading
2.0%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of S3M Consulting itself: < 0.1% within 12 months.
Test of the method
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 2,613 companies, not a prediction for S3M Consulting. 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.
Credit verdict
Credit of up to €9,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.08 (3.54 in 2024), above the usual 1.5. Short-term debt is 29.6% and cash 19.9% of total assets. However, 83.4% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 days early
2024
4 days late
2023
22 days late
2022
3 days late
2021
22 days late
2020
68 days late
2019
91 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 30 days after the deadline. In the sector (NACE 85), the median for financial year 2024 was 16 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 4 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
MS
Malik Sheryar
Director, since 07-02-2005
SS
Staneva Svetlana Belcheva
Director, since 07-02-2005
SV
Staneva Vanya Belcheva
Director, since 02-01-2012
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0871812739
Capital conversion · Purpose change · Amendment of the articles · Legal-form change · Resignations & appointments
“Het uitbaten en commercialiseren van verworven auteursrechten en auteursrechtelijk beschermde creaties en…” (deed in Dutch) · Director in office: Malik Sheryar · Director in office: Staneva Svetlana Belcheva · General meeting of 09-11-2023 · Gazette deed
First establishment
Zumba Antwerpen, Grétrystraat 16, Antwerp
Incorporation
published on 21-02-2005 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| S3M Consulting Antwerp | - | - | 16.6% | - |
| TALENT MANAGEMENT EN CONSULTING Bierbeek | - | - | 60.6% | - |
| ABLEVO Merchtem | - | - | 59.1% | - |
| ECOLE DU DAVIS SCHOOL Wezembeek-Oppem | €505,142 | 9.3% | 35.5% | 1.7 |
| Kurt De Fauw Damme | - | - | 57.5% | - |
| LE P'TIT BAIGNEUR Estinnes | €206,749 | 9.0% | 11.7% | 1 |
| MKS Activity Huy | - | - | 19.3% | - |
These companies have the same main activity as S3M Consulting: sports and recreation education (NACE 85510). They are comparable in size and age: total assets between €422,000 and €805,000, founded between 1999 and 2009.
Official details
Source: KBO- Status
- Active since 10-02-2005Normal situation
- Activity
- Sports and recreation educationNACE 85510and 2 others
- Establishment unit
- 2.145.436.4962018 Antwerp, since 25-02-2005
- Financial year end
- 31 December
- Peppol
- Reachable since 11-03-2026
Annual accounts 2025
- €616,833▼ 1.5%
- Filing
- Filed on 29-07-2026, 2 days before the end of the filing period
Insights on S3M Consulting
S3M Consulting files the micro format. That format states no turnover. The gross margin rose from €56,345 in 2006 to €102,188 in 2025.
The balance sheet grew most from 2007 to 2008 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about S3M Consulting
- What is the company number of S3M Consulting?
- The company number of S3M Consulting is 0871.812.739. The VAT number is the same number with BE in front: BE 0871.812.739.
- Where is S3M Consulting based?
- The registered office is at Grétrystraat 16, 2018 Antwerp.Company details
- What does S3M Consulting do?
- According to the KBO register, the main activity is sports and recreation education (NACE 85510).
- What is the legal form of S3M Consulting?
- S3M Consulting is a private limited company (BV).
- When was S3M Consulting founded?
- S3M Consulting was founded on 10-02-2005.
- Is S3M Consulting still active?
- Yes, S3M Consulting is an active enterprise in the KBO register.
- What is the turnover of S3M Consulting?
- The turnover in financial year 2025 is ≈ €260,000. This figure is estimated from the gross margin of €102,188 and 2,203 comparable companies of the same size. It probably lies between €170,000 and €400,000. It is a rough estimate.Financials
- Is S3M Consulting profitable?
- In financial year 2025, S3M Consulting made a profit of €31,704.
- Where can I find the annual accounts of S3M Consulting?
- S3M Consulting filed 21 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of S3M Consulting due?
- S3M Consulting must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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