SAB CONSULT
ActiveSAB CONSULT has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €127k and a net result of €11k. Equity is growing by ~9.5% per year across the filed fiscal years. Its solvency ranks better than 88% of 8623 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+1
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 12.41 against 8.65 in 2024; short-term debt: 7.9% and cash: 85.9% of total assets), and 7.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
92.1%
Return on assets
8.2%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
21 d late
2023
2 d late
2022
24 d late
2021
47 d early
2020
13 d late
2019
14 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€11k▲ 14.1%
2024 · €10k
2018: €18k
2019: €11k
2020: €-48k
2021: €6k
2022: €12k
2023: €30k
2024: €10k
2018 → 2025
Working capital
€125k▲ 11.3%
2024 · €112k
2018: €93k
2019: €104k
2020: €54k
2021: €59k
2022: €72k
2023: €101k
2024: €112k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€64k-€77k▲ 19.5%€106k▲ 38.7%€116k▲ 9.3%€127k▲ 9.8%
Operating result€7k-€14k▲ 110%€35k▲ 152%€15k▼ 56.6%€16k▲ 5.2%
Net result€6k-€12k▲ 111%€30k▲ 137%€10k▼ 66.5%€11k▲ 14.1%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 5% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €138k
Fixed assets
€3k▼ 33.7%
Current assets
€136k▲ 7.0%
Equity and liabilities €138k
Equity
€127k▲ 9.8%
Debt
€11k▼ 25.4%
The debt ratio falls from 11.2% to 7.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€17k▲
2024 · €16k
Cash flow
€13k▲
2024 · €11k
Solvency
92.1%▲
2024 · 88.8%
Current ratio
12.41▲
2024 · 8.65
Quick ratio
12.41▲
2024 · 8.65
Debt / equity
0.09▼
2024 · 0.13
ROE
8.9%▲
2024 · 8.5%
ROA
8.2%▲
2024 · 7.6%
Interest coverage
274.39▼
2024 · 291.11
Debt
€11k▼
2024 · €15k
Debt ≤ 1 year
€11k▼
2024 · €15k
Income taxes
€6k▲
2024 · €5k
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€131k€138k▲
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€2k€978▼
Furniture and vehicles24€2k€978▼
Financial fixed assets28€2k€2k=
Current assets29/58€127k€136k▲
Amounts receivable within one year40/41€18k€16k▼
Trade receivables40€14k€15k▲
Other amounts receivable41€4k€900▼
Current investments50/53€7k-
Cash at bank and in hand54/58€101k€119k▲
Deferred charges and accrued income490/1€73€540▲
Equity and liabilities
Total equity and liabilities10/49€131k€138k▲
Equity10/15€116k€127k▲
Contributions10/11€14k€14k=
Reserves13€124k€136k▲
Distributable reserves133€124k€136k▲
Profit (loss) carried forward14€-23k€-23k=
Amounts payable17/49€15k€11k▼
Amounts payable within one year42/48€15k€11k▼
Taxes, remuneration and social security45€1k€3k▲
Taxes450/3€1k€3k▲
Other amounts payable47/48€13k€8k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k=
Other operating charges640/8€487€500▲
Gross operating margin9900€17k€18k▲
Operating profit (loss)9901€15k€16k▲
Financial income75/76B-€1k
Recurring financial income75-€1k
Financial charges65/66B€57€63▲
Recurring financial charges65€57€63▲
Profit (loss) for the period before taxes9903€15k€17k▲
Income taxes67/77€5k€6k▲
Profit (loss) for the period9904€10k€11k▲
Profit (loss) for the period to be appropriated9905€10k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€-11k▲
Profit (loss) brought forward from the previous period14P€-23k€-23k=
Transfer to equity691/2€10k€11k▲
To other reserves6921€10k€11k▲
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 21 days late
2024
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 2 days late
2023
31-12
Financial
Highest result since 2018net €30k ▲137%
Operating result €35k, net result €30k, both a record.
31-12
Financial
Equity above €100kEq €106k ▲38.7%
3 profitable years in a row build equity to €106k.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 24 days late
2022
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 13 days late
2020
31-12
Financial
Weakest financial yearnet €-48k ▼553%
Net result drops to €-48k, the lowest in the series; recovery starts the following year.
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 14 days late
2019
31-12
Financial
Equity above €100kEq €106k ▲11%
2 profitable years in a row build equity to €106k.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 28 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 11 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, Nivelles · 1 establishment unit since 2011
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.
Rue de Bratislava 21400 NivellesGround area
694 m²
Building footprint
134 m²
Volume, LiDAR
962 m³
Parcel 25072B0377/00M000, Wallonia · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SAB Consult SPRL
since 20112.195.785.139
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25072B0377/00M000 | Wallonia | 694 m² | 1 · 134 m² | 9.1 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.
Similar companies · same sector, comparable size
Alli VDP
BE 0669.866.063
Nivelles · Eq €127k
ATLASIA
BE 1017.972.339
Nivelles · Eq €127k
MANAVEST
BE 0791.784.571
Blégny · Eq €127k
FRESH AER CONSULTING
BE 0794.586.485
Tremelo · Eq €127k
Inductance
BE 0785.677.927
Namur · Eq €127k
Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 40,861 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-01-2011
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
62020IT consultancy
62200Computer consultancy and computer facilities management
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.