Schandevyl Consulting
ActiveSummary
Schandevyl Consulting has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €186k and a net result of €28k. Equity is growing by ~14.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-6
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 38.61 against 6.69 in 2024; short-term debt: 2.5% and cash: 33% of total assets), and 2.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers 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 →
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
97.5%
Return on assets
14.8%
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 16-09-2026, 47 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 · 5 filingsDeviation from the deadline
2025
47 d late
2024
29 d late
2023
8 d late
2022
60 d late
2021
57 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
€186k▲ 18.0%
2024 · €158k
2021: €113k
2022: €120k
2023: €161k
2024: €158k
2021 → 2025
Total assets
€191k▲ 3.2%
2024 · €185k
2021: €168k
2022: €164k
2023: €217k
2024: €185k
2021 → 2025
Net result
€28k▼ 20.9%
2024 · €36k
2021: €5k
2022: €7k
2023: €42k
2024: €36k
2021 → 2025
Working capital
€178k▲ 26.9%
2024 · €140k
2021: €98k
2022: €100k
2023: €144k
2024: €140k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€113k-€120k▲ 6.3%€161k▲ 34.7%€158k▼ 2.2%€186k▲ 18.0%
Operating result€9k-€8k▼ 13.2%€61k▲ 700%€50k▼ 19.2%€35k▼ 29.4%
Net result€5k-€7k▲ 52.6%€42k▲ 489%€36k▼ 13.8%€28k▼ 20.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €191k
Fixed assets
€8k ▼ 59.8%
Current assets
€183k ▲ 10.8%
Equity and liabilities €191k
Equity
€186k ▲ 18.0%
Debt
€5k ▼ 82.6%
Debt's share of the balance-sheet total falls from 14.7% to 2.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€47k▼
2024 · €64k
Cash flow
€40k▼
2024 · €51k
Current ratio
38.61▲
2024 · 6.69
Debt to equity
0.03▼
2024 · 0.17
ROE
15.2%▼
2024 · 22.7%
ROA
14.8%▼
2024 · 19.4%
Interest coverage
84.67▲
2024 · 66.88
Debt ≤ 1 year
€5k▼
2024 · €25k
Income taxes
€11k▼
2024 · €14k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€185k€191k▲
Fixed assets21/28€20k€8k▼
Tangible fixed assets22/27€20k€8k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€33-
Leasing and similar rights25€9k-
Other tangible fixed assets26€5k€4k▼
Current assets29/58€165k€183k▲
Amounts receivable within one year40/41€44k€43k▼
Trade receivables40€42k€38k▼
Other amounts receivable41€1k€6k▲
Current investments50/53€75k€75k=
Cash at bank and in hand54/58€44k€63k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€185k€191k▲
Equity10/15€158k€186k▲
Contributions10/11€1k€1k=
Reserves13€157k€185k▲
Non-distributable reserves130/1€100€100=
Reserves not available under the articles1311€100€100=
Distributable reserves133€157k€185k▲
Amounts payable17/49€27k€5k▼
Amounts payable after more than one year17€3k-
Financial debts170/4€3k-
Amounts payable within one year42/48€25k€5k▼
Current portion of amounts payable after more than one year42€8k-
Trade debts44€3k€797▼
Suppliers440/4€3k€797▼
Taxes, remuneration and social security45€13k€2k▼
Taxes450/3€11k€2k▼
Remuneration and social security454/9€2k-
Other amounts payable47/48-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€12k▼
Other operating charges640/8€141€144▲
Gross operating margin9900€65k€47k▼
Operating profit (loss)9901€50k€35k▼
Financial income75/76B€768€5k▲
Recurring financial income75€768€5k▲
Financial charges65/66B€964€555▼
Recurring financial charges65€964€555▼
Profit (loss) for the period before taxes9903€49k€39k▼
Income taxes67/77€14k€11k▼
Profit (loss) for the period9904€36k€28k▼
Profit (loss) for the period to be appropriated9905€36k€28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€28k▼
Transfer from equity791/2€39k-
Transfer to equity691/2€36k€28k▼
To other reserves6921€36k€28k▼
Profit to be distributed694/7€39k-
Return on contributions (dividend)694€39k-
The notes to these accounts (4 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
16-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 47 days late
2025
31-12
Financial
Liquidity times 6current ratio 38.61
Current ratio from 6.69 to 38.61; short-term debt falls from €25k to €5k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
31-12
Financial
Highest result since 2021net €42k ▲489%
Operating result €61k, net result €42k, both a record.
31-12
Financial
Equity above €150kEq €161k ▲34.7%
3 profitable years in a row build equity to €161k.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
26-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 57 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Erpe-Mere · 1 establishment unit since 2016
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.
Oudenaardsesteenweg 109420 Erpe-MereGround area
798 m²
Building footprint
163 m²
Volume, LiDAR
1,010 m³
Parcel 41016C0191/00K000, Flanders · tallest building 11.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Schandevyl Consulting
since 20162.252.123.135
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41016C0191/00K000 | Flanders | 797 m² | 1 · 163 m² | 11.5 m · 2 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.
Similar companies · same sector, comparable size
JUST MAKES IT
BE 0788.799.743
Hoegaarden · Eq €185,999
CEREBE
BE 0546.778.805
Schaarbeek · Eq €186,004
JURA CONSULTING
BE 0846.354.296
Boortmeerbeek · Eq €185,965
MBrace IT
BE 0794.494.039
Ranst · Eq €186,033
TECH SESSION
BE 0867.077.159
Dilbeek · Eq €185,947
Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 15,043 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
Founded07-04-2016
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
46500Wholesale of information and communication equipment
62100Computer programming
63100Computing infrastructure, data processing, hosting and related activities
63910Web portal activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.