SBMDCONSULTING
ActiveSummary
The computed 12-month bankruptcy probability of SBMDCONSULTING is 2.0% (moderate). The 2025 annual accounts show equity of €174k and a net result of €-66k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 53% of 7029 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency82▲+3
Growth52▼-26
Track record92
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.98 against 2.23 in 2024; short-term debt: 12.9% and cash: 38.4% of total assets), and 42.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 09-04-2026, 113 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
113 d early
2024
12 d late
2023
120 d early
2022
122 d early
2021
123 d early
2020
96 d early
2019
102 d early
← before the deadline
after the deadline →
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Address struck
Checked, nothing found (1)
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
€174k▼ 27.5%
2024 · €240k
2018: €7k
2019: €11k
2020: €15k
2021: €22k
2022: €-5k
2023: €357
2024: €240k
2018 → 2025
Total assets
€304k▼ 32.0%
2024 · €447k
2018: €362k
2019: €383k
2020: €367k
2021: €374k
2022: €345k
2023: €404k
2024: €447k
2018 → 2025
Net result
€-66k
2024 · €240k
2018: €4k
2019: €4k
2020: €4k
2021: €7k
2022: €-27k
2023: €6k
2024: €240k
2018 → 2025
Working capital
€78k▼ 44.9%
2024 · €142k
2018: €-27k
2019: €-81k
2020: €-85k
2021: €-77k
2022: €-121k
2023: €-146k
2024: €142k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€-5k€357€240k▲ 67,346%€174k▼ 27.5%
Operating result€17k-€-21k€14k€339k▲ 2,282%€-67k
Net result€7k-€-27k€6k€240k▲ 4,202%€-66k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €67k after €339k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €304k
Fixed assets
€187k ▼ 1.9%
Current assets
€117k ▼ 54.3%
Equity and liabilities €304k
Equity
€174k ▼ 27.5%
Provisions
€91k ▼ 1.2%
Debt
€39k ▼ 65.8%
Debt's share of the balance-sheet total falls from 25.7% to 12.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-58k▼
2024 · €342k
Cash flow
€-58k▼
2024 · €244k
Current ratio
2.98▲
2024 · 2.23
Debt to equity
0.23▼
2024 · 0.48
ROE
-37.9%▼
2024 · 99.9%
ROA
-21.7%▼
2024 · 53.7%
Interest coverage
-133.78▼
2024 · 49.23
Debt ≤ 1 year
€39k▼
2024 · €115k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€447k€304k▼
Fixed assets21/28€190k€187k▼
Tangible fixed assets22/27€190k€187k▼
Land and buildings22€187k€184k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€3k€2k▼
Current assets29/58€257k€117k▼
Amounts receivable within one year40/41€2k€590▼
Other amounts receivable41€2k€590▼
Cash at bank and in hand54/58€252k€117k▼
Deferred charges and accrued income490/1€3k-
Equity and liabilities
Total equity and liabilities10/49€447k€304k▼
Equity10/15€240k€174k▼
Contributions10/11€12k€12k=
Reserves13€277k€274k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€275k€272k▼
Profit (loss) carried forward14€-49k€-112k▼
Provisions and deferred taxes16€92k€91k▼
Deferred taxes168€92k€91k▼
Amounts payable17/49€115k€39k▼
Amounts payable within one year42/48€115k€39k▼
Trade debts44€85k€37k▼
Suppliers440/4€85k€37k▼
Taxes, remuneration and social security45-€2k
Taxes450/3-€2k
Other amounts payable47/48€31k€264▼
Income statement
Code20242025
Non-recurring operating income76A€492k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€8k▲
Other operating charges640/8€96k€2k▼
Non-recurring operating charges66A€2k€11k▲
Gross operating margin9900€440k€-45k▼
Operating profit (loss)9901€339k€-67k▼
Financial income75/76B€109€1▼
Recurring financial income75€109€1▼
Financial charges65/66B€7k€436▼
Recurring financial charges65€7k€436▼
Profit (loss) for the period before taxes9903€332k€-67k▼
Transfer from deferred taxes780€303€1k▲
Transfer to deferred taxes680€92k-
Profit (loss) for the period9904€240k€-66k▼
Transfer from tax-exempt reserves789€909€3k▲
Transfer to tax-exempt reserves689€276k-
Profit (loss) for the period to be appropriated9905€-35k€-63k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-49k€-112k▼
Profit (loss) brought forward from the previous period14P€-14k€-49k▼
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
09-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-66k ▼128%
Net result drops to €-66k, the lowest in the series.
27-10
KBO administration
Address struck
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
31-12
Financial
Highest result since 2018net €240k ▲4202%
Operating result €339k, net result €240k, both a record.
31-12
Financial
Liquidity times 6current ratio 2.23
Current ratio from 0.40 to 2.23; short-term debt falls from €244k to €115k.
31-12
Financial
Equity above €200kEq €240k ▲67346%
2 profitable years in a row build equity to €240k.
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
2020
20-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-04
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
SignalFinancial 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, Trooz · 1 establishment unit since 2015
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 La Brouck-Cité 1364870 TroozGround area
185 m²
Building footprint
43 m²
Volume, LiDAR
333 m³
Parcel 62040A0210/00E003, Wallonia · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue La Brouck-Cité 136, 4870 Trooz
since 20152.245.947.502
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62040A0210/00E003 | Wallonia | 185 m² | 1 · 43 m² | 9.4 m · 3 fl. |
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
699400KQ6PD9YHANTY67
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Of 13,421 companies in sector 73300 we hold annual accounts for 6,901. 5,374 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
Founded07-09-2015
Fiscal year end31-12
Activities, NACEBEL 2025
73300Public relations and communication consultancy
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.