SBD Consultancy

Active

Private limited companyfounded 200719 yrs activeLouis Mariënlaan 5A, 2970 Schilde, BelgiumKBO/BCE: BE 0887.039.759

Summary

SBD Consultancy has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €161,791 and a net result of €6,476. Equity is shrinking by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 59% of 9508 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch Report Compare

SBD ConsultancyActiveChecked score 93/100

Risk analysis Report Compare

Activity

Business and other management consultancy

NACE 70200Business consulting NACE 70220NACE 74142

1 site

Size

€259,939total assets 2025

Equity: €161,791
Profit: €6,476

Turnover not published (abridged schema)

Financial health

93 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.1%

Structure

Holdings: 1

Accounts filed 17 d late0 of 5 deeds read

Why 93- 1 change of registered office in 24 months+ Liquidity: current ratio 3.77, cash €57,909, halved+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Equity €161,791 (62.2% of total assets)Show the evidence

Checked score

Score 2025

93 / 100

Excellent

Probability in this band: under 0.55%

Better than 42% of its sector peers (NACE 70, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Average

Solvency 87+1

equity 62.2% of total assets

Liquidity 70-23

short-term debt 22.1% · cash 22.3%

Profitability 22+1

return on assets 2.5%

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (47,477 companies)

Last 8 months 03-2026: 0.1%lowest value 04-2026: 0.1%▲ +1.7% vs 03-2026 05-2026: 0.1%▲ +8.2% vs 04-2026 06-2026: 0.1%▼ -3.0% vs 05-2026 07-2026: 0.1%▲ +23.4% vs 06-2026 08-2026: 0.2%▲ +96.2% vs 07-2026highest value 09-2026: 0.1%▼ -40.0% vs 08-2026 10-2026: 0.1%● 0.0% vs 09-2026

1 change of registered office in 24 months raises the probability
Liquidity: current ratio 3.77, cash €57,909, halved lowers the probability
Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
Equity €161,791 (62.2% of total assets) lowers the probability

Credit up to €15,000 at 30 days acceptable

Liquidity ample (current ratio 3.77 against 3.84 in 2024; short-term debt: 22.1% and cash: 22.3% of total assets), and 37.8% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 70, micro). Better than this share of them on solvency 57%, liquidity 63%, profitability 14%, growth against the median 34%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

1 change of registered office in 24 months

In the bankruptcy model this factor raises the probability.

Belgian State Gazette

Liquidity: current ratio 3.77, cash €57,909, halved

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Sector Activities of head offices; management consultancy activities (NACE 70)

In the bankruptcy model this factor lowers the probability.

KBO

Equity €161,791 (62.2% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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 filings

Deviation from the deadline

2025

17 d late

2024

8 d late

2023

31 d early

2022

42 d early

2021

29 d early

2020

36 d early

2019

30 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 20 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 2 July (4 of the last 5 filed years within 37 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage