SdB CONSULTING
ActiveSdB CONSULTING has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23k and a net result of €2k. Equity is shrinking by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 442 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
78
/ 100
Excellent▼ -15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability43▼-57
Solvency100=
Growth58=
Stability100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 28.19 against 21.1 in 2024), and 3.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 79
Relative position
BE, all sectors
reference
Sector 79
higher
← fewer bankruptcies
more bankruptcies →
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
8.3%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €23k
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 13-05-2026, 79 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
79 d early
2024
72 d early
2023
69 d early
2022
80 d early
2021
51 d early
2020
29 d early
2019
36 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€23k▲ 9.5%
2024 · €21k
2018: €25k
2019: €24k
2020: €23k
2021: €16k
2022: €16k
2023: €14k
2024: €21k
2018 → 2025
Total assets
€24k▲ 8.1%
2024 · €22k
2018: €28k
2019: €27k
2020: €25k
2021: €17k
2022: €18k
2023: €15k
2024: €22k
2018 → 2025
Net result
€2k▼ 73.1%
2024 · €7k
2018: €-1k
2019: €-915
2020: €-416
2021: €-8k
2022: €290
2023: €-2k
2024: €7k
2018 → 2025
Working capital
€23k▲ 9.5%
2024 · €21k
2018: €9k
2019: €12k
2020: €16k
2021: €12k
2022: €16k
2023: €14k
2024: €21k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€16k▲ 1.9%€14k▼ 14.5%€21k▲ 54.2%€23k▲ 9.5%
Operating result€-8k-€-73▲ 99.1%€-3k▼ 3,494%€7k€921▼ 85.8%
Net result€-8k-€290€-2k€7k€2k▼ 73.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 86% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €24k
Equity
€23k▲ 9.5%
Debt
€847▼ 19.1%
The debt ratio falls from 4.7% to 3.5%: equity grows while debt is paid down.
Key figures and ratios
Solvency
96.5%▲
2024 · 95.3%
Current ratio
28.19▲
2024 · 21.10
Quick ratio
28.19▲
2024 · 21.10
Debt / equity
0.04▼
2024 · 0.05
ROE
8.6%▼
2024 · 35.2%
ROA
8.3%▼
2024 · 33.5%
Debt
€847▼
2024 · €1k
Debt ≤ 1 year
€847▼
2024 · €1k
Income taxes
€-2▼
2024 · €25
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€22k€24k▲
Current assets29/58€22k€24k▲
Amounts receivable within one year40/41€20k€23k▲
Trade receivables40€189-
Other amounts receivable41€20k€23k▲
Cash at bank and in hand54/58€2k€660▼
Equity and liabilities
Total equity and liabilities10/49€22k€24k▲
Equity10/15€21k€23k▲
Contributions10/11€31k€31k=
Reserves13€99€99=
Non-distributable reserves130/1€99€99=
Reserves not available under the articles1311€99€99=
Profit (loss) carried forward14€-10k€-8k▲
Amounts payable17/49€1k€847▼
Amounts payable within one year42/48€1k€847▼
Trade debts44€847€847=
Suppliers440/4€847€847=
Taxes, remuneration and social security45€200-
Taxes450/3€200-
Income statement
Code20242025
Other operating charges640/8€387€400▲
Gross operating margin9900€7k€1k▼
Operating profit (loss)9901€7k€921▼
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€103€97▼
Recurring financial charges65€103€97▼
Profit (loss) for the period before taxes9903€7k€2k▼
Income taxes67/77€25€-2▼
Profit (loss) for the period9904€7k€2k▼
Profit (loss) for the period to be appropriated9905€7k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-10k€-8k▲
Profit (loss) brought forward from the previous period14P€-18k€-10k▲
The notes to these accounts (2 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
13-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
23-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €290
Net result €290 after 4 loss-making years.
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 10.43
Current ratio from 4.79 to 10.43; short-term debt falls from €3k to €2k.
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
16-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-06
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
1 act for this company is 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, Ukkel · 1 establishment unit since 2000
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.
Molièrelaan 3001180 UkkelGround area
1,105 m²
Building footprint
594 m²
Volume, LiDAR
8,458 m³
2 parcels, Brussels · tallest building 25.2 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Emile Duraylaan 20, 1050 Elsene
since 20002.096.358.555
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21444B0129/00B003 | Brussels | 642 m² | 1 · 172 m² | 20.5 m · 6 fl. |
| 21612C0001/00N051 | Brussels | 463 m² | 1 · 422 m² | 25.2 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
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BEMEX TOURS - PHOENIX
BE 0422.113.910
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CYCLODYSSEES
BE 0780.856.631
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VKCO
BE 0803.276.103
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BelcoTravel & Tours
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Of 1,430 companies in sector 79110 we hold annual accounts for 874. 533 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded14-10-1999
Fiscal year end31-12
Activities, NACEBEL
74142
79110Travel agency activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.