SF CONSULTING
ActiveSF CONSULTING has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €55k and a net result of €19k. Equity is growing by ~27.7% per year across the filed fiscal years. Its solvency ranks better than 67% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability99▲+34
Solvency97▲+17
Growth72▲+11
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 3.56 against 2.22 in 2024; short-term debt: 28.1% and cash: 2.3% of total assets), and 28.1% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
71.9%
Return on assets
24.4%
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 31-08-2026, 31 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
31 d late
2024
112 d early
2023
34 d late
2022
72 d late
2021
16 d late
2020
24 d late
2019
48 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€117k▲ 18.1%
2024 · €99k
2023: €100k
2024: €99k
2023 → 2025
EBIT margin
30.2%▲ 22.6pp
2024 · 7.6%
2023: 12.8%
2024: 7.6%
2023 → 2025
Net result
€19k▲ 1,056%
2024 · €2k
2018: €-3k
2019: €-4k
2020: €7k
2021: €3k
2022: €11k
2023: €6k
2024: €2k
2018 → 2025
Working capital
€55k▲ 51.3%
2024 · €36k
2018: €13k
2019: €13k
2020: €16k
2021: €17k
2022: €14k
2023: €21k
2024: €36k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€100k€99k▼ 1.4%€117k▲ 18.1%
Equity€17k-€29k▲ 67.0%€35k▲ 21.3%€36k▲ 4.6%€55k▲ 51.3%
Operating result€4k-€16k▲ 303%€13k▼ 22.2%€7k▼ 41.5%€35k▲ 372%
Net result€3k-€11k▲ 336%€6k▼ 46.9%€2k▼ 73.5%€19k▲ 1,056%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 372% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €77k
Equity
€55k▲ 51.3%
Debt
€21k▼ 27.8%
The debt ratio falls from 45.0% to 28.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
71.9%▲
2024 · 55.0%
Current ratio
3.56▲
2024 · 2.22
Quick ratio
3.56▲
2024 · 2.22
Debt / equity
0.39▼
2024 · 0.82
ROE
33.9%▲
2024 · 4.4%
ROA
24.4%▲
2024 · 2.4%
Debt
€21k▼
2024 · €30k
Debt ≤ 1 year
€21k▼
2024 · €30k
Income taxes
€10k▲
2024 · €5k
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€66k€77k▲
Fixed assets21/28€0-
Tangible fixed assets22/27€0-
Furniture and vehicles24€0-
Current assets29/58€66k€77k▲
Amounts receivable within one year40/41€60k€73k▲
Trade receivables40€0-
Other amounts receivable41€60k€73k▲
Cash at bank and in hand54/58€4k€2k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€66k€77k▲
Equity10/15€36k€55k▲
Contributions10/11€12k€12k=
Reserves13€24k€43k▲
Distributable reserves133€24k€43k▲
Amounts payable17/49€30k€21k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€30k€21k▼
Current portion of amounts payable after more than one year42€13k€0▼
Trade debts44€5k€5k▲
Suppliers440/4€5k€5k▲
Taxes, remuneration and social security45€12k€16k▲
Taxes450/3€11k€14k▲
Remuneration and social security454/9€1k€2k▲
Income statement
Code20242025
Turnover70€99k€117k▲
Non-recurring operating income76A€0€0=
Goods, raw materials, services and sundry goods60/61€77k€84k▲
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0-
Other operating charges640/8€24k€1k▼
Gross operating margin9900€31k€37k▲
Operating profit (loss)9901€7k€35k▲
Financial income75/76B€252€82▼
Recurring financial income75€252€82▼
Financial charges65/66B€907€7k▲
Recurring financial charges65€907€7k▲
Profit (loss) for the period before taxes9903€7k€28k▲
Income taxes67/77€5k€10k▲
Profit (loss) for the period9904€2k€19k▲
Profit (loss) for the period to be appropriated9905€2k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€19k▲
Transfer to equity691/2€2k€19k▲
To other reserves6921€2k€19k▲
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €19k ▲1056%
Operating result €35k, net result €19k, both a record.
10-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 34 days late
2023
11-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 72 days late
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
17-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 48 days late
2019
31-12
Financial
Weakest financial yearnet €-4k
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-07
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
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, Schilde · 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.
Blijde Inkomst 312970 SchildeGround area
2,294 m²
Building footprint
236 m²
Volume, LiDAR
1,286 m³
Parcel 11041B0128/00P000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SF CONSULTING
since 20162.252.277.642
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11041B0128/00P000 | Flanders | 2,294 m² | 1 · 236 m² | 8.9 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.
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VISIONARY CONSULTING & MANAGEMENT
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 38,560 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-01-2016
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.