S3M Consulting
ActiveS3M Consulting has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €102k and a net result of €32k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 29% of 2035 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+13
Solvency42▼-6
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.08 against 3.54 in 2024; short-term debt: 29.6% and cash: 19.9% of total assets), but 83.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Sector 85
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
16.6%
Return on assets
5.1%
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
4 d late
2023
22 d late
2022
3 d late
2021
22 d late
2020
68 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€102k▼ 27.5%
2024 · €141k
2018: €28k
2019: €42k
2020: €92k
2021: €122k
2022: €113k
2023: €124k
2024: €141k
2018 → 2025
Total assets
€617k▼ 1.5%
2024 · €626k
2018: €769k
2019: €770k
2020: €760k
2021: €743k
2022: €663k
2023: €639k
2024: €626k
2018 → 2025
Net result
€32k▲ 17.5%
2024 · €27k
2018: €65k
2019: €14k
2020: €50k
2021: €52k
2022: €-9k
2023: €11k
2024: €27k
2018 → 2025
Working capital
€197k▼ 24.4%
2024 · €260k
2018: €68k
2019: €72k
2020: €257k
2021: €276k
2022: €252k
2023: €247k
2024: €260k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€122k-€113k▼ 7.6%€124k▲ 9.8%€141k▲ 13.7%€102k▼ 27.5%
Operating result€81k-€1k▼ 98.6%€26k▲ 2,169%€56k▲ 117%€58k▲ 3.2%
Net result€52k-€-9k€11k€27k▲ 143%€32k▲ 17.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €617k
Fixed assets
€238k▼ 10.1%
Current assets
€379k▲ 4.7%
Equity and liabilities €617k
Equity
€102k▼ 27.5%
Debt
€515k▲ 6.0%
The debt ratio rises from 77.5% to 83.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€99k▲
2024 · €97k
Cash flow
€72k▲
2024 · €67k
Solvency
16.6%▼
2024 · 22.5%
Current ratio
2.08▼
2024 · 3.54
Quick ratio
2.08▼
2024 · 3.54
Debt / equity
5.03▲
2024 · 3.44
ROE
31.0%▲
2024 · 19.1%
ROA
5.1%▲
2024 · 4.3%
Interest coverage
6.23▲
2024 · 4.52
Debt
€515k▲
2024 · €485k
Debt ≤ 1 year
€183k▲
2024 · €102k
Debt > 1 year
€330k▼
2024 · €381k
Income taxes
€16k▲
2024 · €14k
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€626k€617k▼
Fixed assets21/28€264k€238k▼
Tangible fixed assets22/27€263k€237k▼
Land and buildings22€252k€216k▼
Plant, machinery and equipment23€9k€19k▲
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€630€630=
Current assets29/58€362k€379k▲
Amounts receivable after more than one year29€229k€165k▼
Other amounts receivable291€229k€165k▼
Amounts receivable within one year40/41€41k€91k▲
Trade receivables40€28k€27k▼
Other amounts receivable41€14k€64k▲
Cash at bank and in hand54/58€90k€123k▲
Deferred charges and accrued income490/1€2k€640▼
Equity and liabilities
Total equity and liabilities10/49€626k€617k▼
Equity10/15€141k€102k▼
Contributions10/11€19k€19k=
Reserves13€122k€84k▼
Distributable reserves133€122k€84k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€485k€515k▲
Amounts payable after more than one year17€381k€330k▼
Financial debts170/4€381k€330k▼
Amounts payable within one year42/48€102k€183k▲
Current portion of amounts payable after more than one year42€49k€51k▲
Trade debts44€6k€7k▲
Suppliers440/4€6k€7k▲
Taxes, remuneration and social security45€36k€51k▲
Taxes450/3€34k€51k▲
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48€10k€74k▲
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€40k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€100k€102k▲
Operating profit (loss)9901€56k€58k▲
Financial income75/76B€6k€6k▼
Recurring financial income75€6k€6k▼
Financial charges65/66B€21k€16k▼
Recurring financial charges65€21k€16k▼
Profit (loss) for the period before taxes9903€41k€48k▲
Income taxes67/77€14k€16k▲
Profit (loss) for the period9904€27k€32k▲
Profit (loss) for the period to be appropriated9905€27k€32k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€32k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€5k€70k▲
Transfer to equity691/2€22k€32k▲
To other reserves6921€22k€32k▲
Profit to be distributed694/7€10k€70k▲
Return on contributions (dividend)694€10k€70k▲
The notes to these accounts (13 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
31-12
Financial
Weakest financial yearnet €-9k ▼118%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Equity above €100kEq €122k ▲32.6%
4 profitable years in a row build equity to €122k.
07-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 68 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 3.68
Current ratio from 1.67 to 3.68; short-term debt falls from €107k to €96k.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
29-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 121 days late
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 56 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Antwerpen · 1 establishment unit since 2005
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.
Grétrystraat 162018 AntwerpenGround area
177 m²
Building footprint
177 m²
Volume, LiDAR
1,860 m³
Parcel 11806F1347/00X020, Flanders · tallest building 16.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Zumba Antwerpen
since 20052.145.436.496
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11806F1347/00X020 | Flanders | 177 m² | 1 · 177 m² | 16.2 m · 4 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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COACH TO COMPETENCE
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Of 13,490 companies in sector 85510 we hold annual accounts for 718. 512 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-02-2005
Fiscal year end31-12
Trade name NL
Zumba Antwerpen
Activities, NACEBEL
85510Sports and recreation education
58290Other software publishing
93199Other sports activities
Sources
Crossroads Bank for EnterprisesNational Bank · 21 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.
Contact details
3 entriesE-mail:info@s3m.be
Phone:03/2322422
Fax:03/2322422