SDB Consulting
ActiveSDB Consulting has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €92k and a net result of €757. Equity is growing by ~20.4% per year across the filed fiscal years. Its solvency ranks better than 27% of 9518 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability30▼-55
Solvency47▲+1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity short (current ratio 0.57 against 0.55 in 2023; short-term debt: 72.5% and cash: 0.1% of total assets), and 78% 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.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
22%
Return on assets
0.2%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-10-2025, 77 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 filingsDeviation from the deadline
2025
not confirmed
2024
77 d late
2023
231 d late
2022
72 d late
2021
74 d late
2020
102 d late
2019
111 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€92k▲ 0.8%
2023 · €91k
2018: €32k
2019: €45k
2020: €46k
2021: €46k
2022: €36k
2023: €91k
2018 → 2024
Total assets
€418k▼ 2.1%
2023 · €427k
2018: €181k
2019: €256k
2020: €184k
2021: €225k
2022: €317k
2023: €427k
2018 → 2024
Net result
€757▼ 98.6%
2023 · €55k
2018: €10k
2019: €26k
2020: €756
2021: €-247
2022: €-10k
2023: €55k
2018 → 2024
Working capital
€-129k▲ 15.4%
2023 · €-153k
2018: €-106k
2019: €-97k
2020: €-98k
2021: €-97k
2022: €-208k
2023: €-153k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€46k-€46k▼ 0.5%€36k▼ 21.2%€91k▲ 153%€92k▲ 0.8%
Operating result€5k-€5k▲ 2.3%€-2k€89k€13k▼ 85.2%
Net result€756-€-247€-10k▼ 3,849%€55k€757▼ 98.6%
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 2024; 2024 is 85% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €418k
Fixed assets
€244k=
Current assets
€174k▼ 4.8%
Equity and liabilities €418k
Equity
€92k▲ 0.8%
Debt
€326k▼ 2.9%
The debt ratio falls from 78.6% to 78.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€13k▼
2023 · €89k
Cash flow
€757▼
2023 · €56k
Solvency
22.0%▲
2023 · 21.4%
Current ratio
0.57▲
2023 · 0.55
Quick ratio
0.57▲
2023 · 0.55
Debt / equity
3.54▼
2023 · 3.67
ROE
0.8%▼
2023 · 60.5%
ROA
0.2%▼
2023 · 12.9%
Interest coverage
1.31▼
2023 · 11.40
Debt
€326k▼
2023 · €336k
Debt ≤ 1 year
€303k▼
2023 · €336k
Income taxes
€2k▼
2023 · €26k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€427k€418k▼
Fixed assets21/28€244k€244k=
Financial fixed assets28€244k€244k=
Current assets29/58€183k€174k▼
Amounts receivable within one year40/41€181k€173k▼
Trade receivables40€115k€16k▼
Other amounts receivable41€66k€156k▲
Current investments50/53€2k€1k▼
Cash at bank and in hand54/58€240€310▲
Equity and liabilities
Total equity and liabilities10/49€427k€418k▼
Equity10/15€91k€92k▲
Contributions10/11€13k€13k=
Reserves13€79k€80k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€77k€78k▲
Amounts payable17/49€336k€326k▼
Amounts payable within one year42/48€336k€303k▼
Financial debts43-€27
Credit institutions430/8-€27
Trade debts44€33k€67k▲
Suppliers440/4€33k€67k▲
Taxes, remuneration and social security45€53k€101k▲
Taxes450/3€53k€100k▲
Remuneration and social security454/9-€864
Other amounts payable47/48€250k€136k▼
Accrued charges and deferred income492/3-€23k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€333€0▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€25k
Other operating charges640/8-€946
Gross operating margin9900€89k€39k▼
Operating profit (loss)9901€89k€13k▼
Financial income75/76B-€24
Recurring financial income75-€24
Financial charges65/66B€8k€10k▲
Recurring financial charges65€8k€10k▲
Profit (loss) for the period before taxes9903€81k€3k▼
Income taxes67/77€26k€2k▼
Profit (loss) for the period9904€55k€757▼
Profit (loss) for the period to be appropriated9905€55k€757▼
Appropriation of the result
Profit (loss) to be appropriated9906€55k€757▼
Profit (loss) brought forward from the previous period14P€-24€0▲
Transfer to equity691/2€55k€757▼
To other reserves6921€55k€757▼
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
2025
16-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 77 days late
19-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 231 days late
2023
31-12
Financial
Back to profitnet €55k
Net result €55k after 2 loss-making years.
11-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 72 days late
2022
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
13-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 74 days late
2021
10-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 102 days late
2020
19-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 111 days late
2019
16-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 77 days late
21-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 233 days late
2017
22-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 53 days late
2016
05-10
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 66 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
13-11-2025
Resigned as Manager
Location & real-estate footprint
Registered office, Westerlo · 1 establishment unit since 2010
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.
Hogekant 272260 WesterloGround area
1,000 m²
Building footprint
223 m²
Volume, LiDAR
1,027 m³
Parcel 13039D0030/00Z000, Flanders · tallest building 9.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SDB Consulting
since 20102.190.445.684
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13039D0030/00Z000 | Flanders | 1,000 m² | 1 · 223 m² | 9.1 m · 1 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
SEPP CONSULTING
BE 0658.960.986
Oudenaarde · Eq €92k
Claeys Consulting
BE 0735.502.104
Grimbergen · Eq €92k
INTERIM MANAGEMENT VERBELEN
BE 0729.763.959
Haacht · Eq €92k
DOVIN
BE 0754.378.502
Lincent · Eq €92k
INDUCARE
BE 0442.994.347
Antwerpen · Eq €92k
Of 24,501 companies in sector 82990 we hold annual accounts for 9,402. 7,184 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-07-2010
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
28990Manufacture of machinery and equipment not elsewhere classified
71121Engineering and related technical consultancy, excluding land surveyors
71209Other technical testing and analysis
73200Market research and public opinion polling
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.