SB CONSEIL
ActiveSB CONSEIL has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4.97M and a net result of €3.64M. Equity is growing by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 66% of 3163 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+5
Solvency97▲+29
Growth85=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity short (current ratio 0.94 against 0.55 in 2024; short-term debt: 5.2% and cash: 4.4% of total assets), and 28.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
71.7%
Return on assets
52.6%
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 27-08-2026, 27 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 · 7 filingsDeviation from the deadline
2025
27 d late
2024
28 d late
2023
29 d late
2022
29 d late
2021
29 d late
2020
26 d late
2019
31 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€1.25M▼ 1.3%
2024 · €1.26M
2021: €116k
2022: €947k
2023: €1.19M
2024: €1.26M
2021 → 2025
EBIT margin
3.7%▼ 6.6pp
2024 · 10.3%
2021: 53.9%
2022: 8.9%
2023: 10.0%
2024: 10.3%
2021 → 2025
Net result
€3.64M▲ 4,862%
2024 · €73k
2020: €50k
2021: €38k
2022: €41k
2023: €68k
2024: €73k
2020 → 2025
Working capital
€-23k▲ 83.1%
2024 · €-138k
2020: €106k
2021: €110k
2022: €-85k
2023: €-8k
2024: €-138k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€116k-€947k▲ 715%€1.19M▲ 26.0%€1.26M▲ 6.0%€1.25M▼ 1.3%
Equity€1.14M-€1.18M▲ 3.6%€1.25M▲ 5.7%€1.32M▲ 5.9%€4.97M▲ 276%
Operating result€63k-€84k▲ 34.5%€119k▲ 41.7%€130k▲ 9.3%€47k▼ 64.2%
Net result€38k-€41k▲ 8.6%€68k▲ 64.5%€73k▲ 8.5%€3.64M▲ 4,862%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 64% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.93M
Fixed assets
€6.59M▲ 129%
Current assets
€338k▲ 102%
Equity and liabilities €6.93M
Equity
€4.97M▲ 276%
Debt
€1.96M▲ 13.7%
The debt ratio falls from 56.6% to 28.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€172k▼
2024 · €205k
Cash flow
€3.77M▲
2024 · €148k
Solvency
71.7%▲
2024 · 43.4%
Current ratio
0.94▲
2024 · 0.55
Quick ratio
0.89▲
2024 · 0.50
Debt / equity
0.40▼
2024 · 1.31
ROE
73.4%▲
2024 · 5.6%
ROA
52.6%▲
2024 · 2.4%
Interest coverage
4.04▼
2024 · 9.92
Debt
€1.96M▲
2024 · €1.73M
Debt ≤ 1 year
€361k▲
2024 · €305k
Debt > 1 year
€1.60M▲
2024 · €1.42M
Income taxes
€26k▼
2024 · €33k
Staff costs
€253k▲
2024 · €249k
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€3.05M€6.93M▲
Fixed assets21/28€2.88M€6.59M▲
Intangible fixed assets21€8k€333k▲
Tangible fixed assets22/27€1.88M€1.94M▲
Land and buildings22€1.71M€1.64M▼
Plant, machinery and equipment23€157k€287k▲
Furniture and vehicles24€13k€9k▼
Financial fixed assets28€996k€4.32M▲
Affiliated companies280/1€996k€4.32M▲
Participating interests280€996k€4.32M▲
Current assets29/58€167k€338k▲
Stocks and contracts in progress3€15k€15k▲
Stocks30/36€15k€15k▲
Raw materials and consumables30/31€2k€1k▼
Goods purchased for resale34€13k€13k▲
Amounts receivable within one year40/41€112k€19k▼
Trade receivables40€27k€17k▼
Other amounts receivable41€85k€2k▼
Cash at bank and in hand54/58€35k€303k▲
Deferred charges and accrued income490/1€7k€378▼
Equity and liabilities
Total equity and liabilities10/49€3.05M€6.93M▲
Equity10/15€1.32M€4.97M▲
Contributions10/11€1.08M€1.08M=
Reserves13€243k€3.89M▲
Non-distributable reserves130/1€384€384=
Reserves not available under the articles1311€384€384=
Distributable reserves133€243k€3.89M▲
Profit (loss) carried forward14€199€456▲
Amounts payable17/49€1.73M€1.96M▲
Amounts payable after more than one year17€1.42M€1.60M▲
Financial debts170/4€1.42M€1.60M▲
Credit institutions173€1.42M€1.60M▲
Amounts payable within one year42/48€305k€361k▲
Current portion of amounts payable after more than one year42€139k€191k▲
Financial debts43-€5k
Credit institutions430/8-€5k
Trade debts44€102k€92k▼
Suppliers440/4€102k€92k▼
Taxes, remuneration and social security45€64k€74k▲
Taxes450/3€38k€42k▲
Remuneration and social security454/9€26k€31k▲
Accrued charges and deferred income492/3€0€408▲
Income statement
Code20242025
Operating income70/76A€1.27M€1.27M▼
Turnover70€1.26M€1.25M▼
Other operating income74€10k€19k▲
Operating charges60/66A€1.14M€1.22M▲
Goods for resale, raw materials and consumables60€477k€463k▼
Purchases600/8€478k€463k▼
Change in stocks: decrease (increase)609€-973€-308▲
Services and other goods61€330k€364k▲
Remuneration, social security and pensions62€249k€253k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€75k€126k▲
Other operating charges640/8€13k€15k▲
Operating profit (loss)9901€130k€47k▼
Financial income75/76B€6k€3.68M▲
Recurring financial income75€6k€5k▼
Income from current assets751€6k€5k▼
Other financial income752/9€0€0▼
Non-recurring financial income76B-€3.67M
Financial charges65/66B€30k€51k▲
Recurring financial charges65€30k€51k▲
Debt charges650€21k€43k▲
Other financial charges652/9€10k€9k▼
Profit (loss) for the period before taxes9903€106k€3.67M▲
Income taxes67/77€33k€26k▼
Taxes670/3€33k€26k▼
Tax adjustments and reversals of tax provisions77-€0
Profit (loss) for the period9904€73k€3.64M▲
Profit (loss) for the period to be appropriated9905€73k€3.64M▲
Appropriation of the result
Profit (loss) to be appropriated9906€74k€3.64M▲
Profit (loss) brought forward from the previous period14P€761€199▼
Transfer to equity691/2€74k€3.64M▲
To other reserves6921€74k€3.64M▲
Social balance
Average headcount (FTE)90877.67.6=
The notes to these accounts (53 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 27 days late
2025
31-12
Financial
Highest result since 2020net €3.64M ▲4862%
Net result €3.64M, the highest in the series.
31-12
Financial
Equity above €2MEq €4.97M ▲276%
6 profitable years in a row build equity to €4.97M.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema · 28 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema · 29 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema · 29 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema · 29 days late
2021
31-12
Financial
Weakest financial yearnet €38k ▼23.9%
Net result drops to €38k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 26 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Liège · 2 establishment units since 2019
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.
Boulevard Frère-Orban 454000 LiègeGround area
4,342 m²
Building footprint
1,100 m²
Volume, LiDAR
5,153 m³
2 parcels, Wallonia · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
SB CONSEIL
since 20192.328.224.880
Point Chaud Boncelles
since 20222.328.224.979
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62019B0173/00N000 | Wallonia | 3,890 m² | 1 · 1,014 m² | 7.0 m · 2 fl. |
| 62805B0476/00W027 | Wallonia | 452 m² | 1 · 86 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileySeraing2.328.224.979
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 11,301 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-05-2019
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
4 entriesE-mail:ddepreay@pointchaud.be
Phone:043616820
E-mail:acoets@pointchaud.be
Phone:+33043616833