SB-Consulting
ActiveSB-Consulting has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €73k and a net result of €794. Its solvency ranks better than 43% of 16974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability29▼-71
Solvency77▼-19
Growth52
Track record94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 1.97 against 3.23 in 2024; short-term debt: 48.1% and cash: 73.6% of total assets), and 48.5% 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+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 62
Relative position
BE, all sectors
reference
Sector 62
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
51.5%
Return on assets
0.6%
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 20-07-2026, 11 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
11 d early
2024
28 d early
← 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
€73k▲ 1.1%
2024 · €73k
2024: €73k
2024 → 2025
Total assets
€142k▲ 40.1%
2024 · €102k
2024: €102k
2024 → 2025
Net result
€794▼ 97.3%
2024 · €29k
2024: €29k
2024 → 2025
Working capital
€66k▲ 1.8%
2024 · €65k
2024: €65k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€73k-€73k▲ 1.1%
Operating result€38k-€62k▲ 62.9%
Net result€29k-€794▼ 97.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 63% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €142k
Fixed assets
€8k▲ 1.3%
Current assets
€135k▲ 43.2%
Equity and liabilities €142k
Equity
€73k▲ 1.1%
Debt
€69k▲ 137%
The debt ratio rises from 28.6% to 48.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€65k▲
2024 · €40k
Cash flow
€4k▼
2024 · €32k
Solvency
51.5%▼
2024 · 71.4%
Current ratio
1.97▼
2024 · 3.23
Quick ratio
1.97▼
2024 · 3.23
Debt / equity
0.94▲
2024 · 0.40
ROE
1.1%▼
2024 · 40.5%
ROA
0.6%▼
2024 · 28.9%
Interest coverage
1.10▼
2024 · 220.09
Debt
€69k▲
2024 · €29k
Debt ≤ 1 year
€68k▲
2024 · €29k
Income taxes
€1k▼
2024 · €8k
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€102k€142k▲
Fixed assets21/28€8k€8k▲
Tangible fixed assets22/27€8k€8k▲
Plant, machinery and equipment23€4k€5k▲
Furniture and vehicles24€4k€3k▼
Current assets29/58€94k€135k▲
Amounts receivable within one year40/41€15k€26k▲
Trade receivables40€14k€26k▲
Other amounts receivable41€742€161▼
Current investments50/53€9k€4k▼
Cash at bank and in hand54/58€68k€105k▲
Deferred charges and accrued income490/1€2k€252▼
Equity and liabilities
Total equity and liabilities10/49€102k€142k▲
Equity10/15€73k€73k▲
Contributions10/11€1k€1k=
Reserves13€72k€72k▲
Distributable reserves133€72k€72k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€29k€69k▲
Amounts payable within one year42/48€29k€68k▲
Trade debts44€165€0▼
Suppliers440/4€165€0▼
Taxes, remuneration and social security45€28k€18k▼
Taxes450/3€28k€18k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€1k€50k▲
Accrued charges and deferred income492/3€0€500▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€1k€121▼
Gross operating margin9900€42k€66k▲
Operating profit (loss)9901€38k€62k▲
Financial income75/76B€49€23▼
Recurring financial income75€49€23▼
Financial charges65/66B€184€60k▲
Recurring financial charges65€184€60k▲
Profit (loss) for the period before taxes9903€38k€2k▼
Income taxes67/77€8k€1k▼
Profit (loss) for the period9904€29k€794▼
Profit (loss) for the period to be appropriated9905€29k€794▼
Appropriation of the result
Profit (loss) to be appropriated9906€72k€794▼
Profit (loss) brought forward from the previous period14P€42k€0▼
Transfer to equity691/2€72k€794▼
To other reserves6921€72k€794▼
The notes to these accounts (14 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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Bertem · 1 establishment unit since 2022
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.
Hoogveldbaan 73060 BertemGround area
536 m²
Building footprint
144 m²
Parcel 24009B0341/00V017, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
SB-Consulting
since 20222.333.721.911
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24009B0341/00V017 | Flanders | 536 m² | 1 · 144 m² | 0.1 m |
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.
Recognitions · licences · registrations
Legal Entity Identifier
254900YX9G0CXYAJHB62
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DATATIM
BE 0870.784.044
Hasselt · Eq €73k
Of 29,995 companies in sector 62200 we hold annual accounts for 18,391. 15,562 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-07-2022
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.
Contact details
1 entryE-mail:Philippe@kantoorswings.be