SB Consulting
ActiveSB Consulting has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €232k and a net result of €48k. Equity is growing by ~12.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 6956 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+9
Solvency100=
Growth66=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 25.78 against 3.85 in 2024), and 3.5% 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 · 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
96.5%
Return on assets
20.1%
Age of the figures
8 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 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
57 d early
2023
44 d early
2022
41 d early
2021
26 d early
2020
43 d early
2019
44 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€172k▲ 2.8%
2024 · €168k
2019: €145k
2020: €153k
2021: €203k
2022: €158k
2023: €144k
2024: €168k
2019 → 2025
EBIT margin
31.6%▲ 6.2pp
2024 · 25.4%
2019: 18.9%
2020: 23.4%
2021: 36.0%
2022: 24.4%
2023: 22.2%
2024: 25.4%
2019 → 2025
Net result
€48k▲ 80.4%
2024 · €27k
2018: €21k
2019: €22k
2020: €26k
2021: €50k
2022: €31k
2023: €22k
2024: €27k
2018 → 2025
Working capital
€210k▲ 35.7%
2024 · €155k
2018: €64k
2019: €77k
2020: €92k
2021: €138k
2022: €141k
2023: €166k
2024: €155k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€203k-€158k▼ 22.1%€144k▼ 9.1%€168k▲ 16.8%€172k▲ 2.8%
Equity€172k-€173k▲ 0.5%€195k▲ 12.6%€183k▼ 5.8%€232k▲ 26.4%
Operating result€73k-€39k▼ 47.1%€32k▼ 17.6%€43k▲ 33.8%€55k▲ 28.0%
Net result€50k-€31k▼ 38.6%€22k▼ 29.6%€27k▲ 23.0%€48k▲ 80.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 28% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €240k
Fixed assets
€22k▼ 23.9%
Current assets
€218k▲ 4.5%
Equity and liabilities €240k
Equity
€232k▲ 26.4%
Debt
€8k▼ 84.4%
The debt ratio falls from 22.8% to 3.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€62k▲
2024 · €50k
Cash flow
€56k▲
2024 · €34k
Solvency
96.5%▲
2024 · 77.2%
Current ratio
25.78▲
2024 · 3.85
Quick ratio
25.78▲
2024 · 3.85
Debt / equity
0.04▼
2024 · 0.30
ROE
20.9%▲
2024 · 14.6%
ROA
20.1%▲
2024 · 11.3%
Interest coverage
606.67▼
2024 · 634.70
Debt
€8k▼
2024 · €54k
Debt ≤ 1 year
€8k▼
2024 · €54k
Income taxes
€10k▼
2024 · €16k
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€238k€240k▲
Fixed assets21/28€29k€22k▼
Tangible fixed assets22/27€29k€22k▼
Land and buildings22€20k€16k▼
Furniture and vehicles24€9k€6k▼
Current assets29/58€209k€218k▲
Amounts receivable within one year40/41€16k€22k▲
Trade receivables40€15k€18k▲
Other amounts receivable41€1k€5k▲
Current investments50/53€143k€169k▲
Cash at bank and in hand54/58€50k€27k▼
Equity and liabilities
Total equity and liabilities10/49€238k€240k▲
Equity10/15€183k€232k▲
Contributions10/11€12k€12k=
Reserves13€171k€219k▲
Distributable reserves133€171k€219k▲
Profit (loss) carried forward14€179-
Amounts payable17/49€54k€8k▼
Amounts payable within one year42/48€54k€8k▼
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€5k€4k▼
Other amounts payable47/48€49k€4k▼
Income statement
Code20242025
Turnover70€168k€172k▲
Goods, raw materials, services and sundry goods60/61€118k€110k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€52k€64k▲
Operating profit (loss)9901€43k€55k▲
Financial income75/76B€51€4k▲
Recurring financial income75€51€4k▲
Financial charges65/66B€79€103▲
Recurring financial charges65€79€103▲
Profit (loss) for the period before taxes9903€43k€58k▲
Income taxes67/77€16k€10k▼
Profit (loss) for the period9904€27k€48k▲
Profit (loss) for the period to be appropriated9905€27k€48k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€49k▲
Profit (loss) brought forward from the previous period14P€287€179▼
Transfer from equity791/2€38k-
Transfer to equity691/2€27k€49k▲
To other reserves6921€27k€49k▲
Profit to be distributed694/7€38k-
Return on contributions (dividend)694€38k-
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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 7current ratio 25.78
Current ratio from 3.85 to 25.78; short-term debt falls from €54k to €8k.
31-12
Financial
Equity above €200kEq €232k ▲26.4%
8 profitable years in a row build equity to €232k.
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €50k ▲94.7%
Operating result €73k, net result €50k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 18.99
Current ratio from 5.77 to 18.99; short-term debt falls from €19k to €8k.
31-12
Financial
Equity above €150kEq €172k ▲41.5%
4 profitable years in a row build equity to €172k.
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €121k ▲27.1%
3 profitable years in a row build equity to €121k.
17-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Paliseul · 1 establishment unit since 2006
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 du Ban-du-Feuilly, Maissin 326852 PaliseulGround area
1,612 m²
Building footprint
321 m²
Volume, LiDAR
1,542 m³
Parcel 12403E0218/00M000, Flanders · tallest building 7.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
DIBUCO
since 20062.151.650.139
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12403E0218/00M000 | Flanders | 1,612 m² | 1 · 321 m² | 7.0 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via establishment units: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 122 EUR awarded · 122 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 122 EUR | 122 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 806 companies in sector 73120 we hold annual accounts for 278. 213 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-12-2005
Fiscal year end31-12
Activities, NACEBEL
73120Media representation
74402
45402
47830Retail sale of motorcycles and motorcycle parts and accessories
50400Inland freight water transport
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.