SAYOU CONSULT
ActiveSummary
SAYOU CONSULT has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €463k and a net result of €70k. Equity is growing by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 41% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+5
Solvency70▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 4.73 against 4.98 in 2024; short-term debt: 7% and cash: 29.8% of total assets), but 54.8% 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+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
45.2%
Return on assets
6.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 9 filingsDeviation from the deadline
2025
29 d late
2024
29 d late
2023
30 d late
2022
31 d late
2021
29 d late
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€463k▲ 17.8%
2024 · €394k
2018: €319k
2019: €462k
2020: €574k
2021: €367k
2022: €366k
2023: €367k
2024: €394k
2018 → 2025
Total assets
€1.03M▲ 6.0%
2024 · €968k
2018: €785k
2019: €960k
2020: €1.09M
2021: €1.12M
2022: €989k
2023: €986k
2024: €968k
2018 → 2025
Net result
€70k▲ 165%
2024 · €26k
2018: €180k
2019: €143k
2020: €112k
2021: €127k
2022: €99k
2023: €61k
2024: €26k
2018 → 2025
Working capital
€266k▲ 24.5%
2024 · €214k
2018: €265k
2019: €418k
2020: €244k
2021: €204k
2022: €49k
2023: €129k
2024: €214k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€367k-€366k▼ 0.2%€367k▲ 0.3%€394k▲ 7.2%€463k▲ 17.8%
Operating result€188k-€144k▼ 23.1%€81k▼ 44.2%€37k▼ 54.2%€91k▲ 147%
Net result€127k-€99k▼ 21.9%€61k▼ 38.4%€26k▼ 56.9%€70k▲ 165%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 147% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.03M
Fixed assets
€688k ▼ 1.8%
Current assets
€338k ▲ 26.2%
Equity and liabilities €1.03M
Equity
€463k ▲ 17.8%
Debt
€562k ▼ 2.1%
Debt's share of the balance-sheet total falls from 59.3% to 54.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€120k▲
2024 · €66k
Cash flow
€99k▲
2024 · €55k
Current ratio
4.73▼
2024 · 4.98
Debt to equity
1.21▼
2024 · 1.46
ROE
15.1%▲
2024 · 6.7%
ROA
6.8%▲
2024 · 2.7%
Interest coverage
29.14▲
2024 · 14.65
Debt ≤ 1 year
€71k▲
2024 · €54k
Debt > 1 year
€489k▼
2024 · €519k
Income taxes
€19k▲
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€968k€1.03M▲
Fixed assets21/28€700k€688k▼
Tangible fixed assets22/27€690k€678k▼
Land and buildings22€645k€640k▼
Furniture and vehicles24€2k€1k▼
Other tangible fixed assets26€43k€36k▼
Financial fixed assets28€10k€10k=
Current assets29/58€268k€338k▲
Amounts receivable within one year40/41€39k€24k▼
Trade receivables40€31k€22k▼
Other amounts receivable41€8k€3k▼
Cash at bank and in hand54/58€224k€306k▲
Deferred charges and accrued income490/1€4k€7k▲
Equity and liabilities
Total equity and liabilities10/49€968k€1.03M▲
Equity10/15€394k€463k▲
Contributions10/11€19k€19k=
Reserves13€372k€443k▲
Distributable reserves133€372k€443k▲
Profit (loss) carried forward14€3k€2k▼
Amounts payable17/49€574k€562k▼
Amounts payable after more than one year17€519k€489k▼
Financial debts170/4€289k€259k▼
Other amounts payable178/9€230k€230k=
Amounts payable within one year42/48€54k€71k▲
Current portion of amounts payable after more than one year42€30k€30k▲
Trade debts44€8k€11k▲
Suppliers440/4€8k€11k▲
Taxes, remuneration and social security45€11k€22k▲
Taxes450/3€9k€20k▲
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€4k€8k▲
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€29k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€69k€124k▲
Operating profit (loss)9901€37k€91k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€34k€89k▲
Income taxes67/77€8k€19k▲
Profit (loss) for the period9904€26k€70k▲
Profit (loss) for the period to be appropriated9905€26k€70k▲
Appropriation of the result
Profit (loss) to be appropriated9906€28k€73k▲
Profit (loss) brought forward from the previous period14P€2k€3k▲
Transfer to equity691/2€25k€71k▲
To other reserves6921€25k€71k▲
The notes to these accounts (10 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €26k ▼56.9%
Net result drops to €26k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 4.98
Current ratio from 2.00 to 4.98; short-term debt falls from €129k to €54k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Equity above €500kEq €574k ▲24.3%
3 profitable years in a row build equity to €574k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 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, Jette · 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.
Van Bortonnestraat 671090 Jette1 establishment unit
Sayou consult
since 20172.260.582.228
Similar companies · same sector, comparable size
MoncoCo
BE 0804.427.235
Gent · Eq €463,434
B PLAN Solutions
BE 0848.444.449
Braine-le-Comte · Eq €463,394
THINKSPARK
BE 0829.393.055
Vorst · Eq €463,498
TIBIRA
BE 0806.537.677
Antwerpen · Eq €463,508
AYSM
BE 0780.732.214
Ukkel · Eq €463,526
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 35,256 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2016
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
68201Renting and operating of own or leased residential real estate, excluding social housing
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filings
Scores and ratios are computed by Checked and are not a credit decision.