SFA CONCEPT
ActiveSummary
SFA CONCEPT has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €103,041 and a net result of €86,370. Its solvency ranks better than 20% of 934 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability52▲+13
Solvency35▲+8
Growth78
Track record82
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity short (current ratio 0.32 against 0.21 in 2024; short-term debt: 15.9% and cash: 5.1% of total assets), and 89.9% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← 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
10.1%
Return on assets
8.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 934 sector peers (2025).
NBB · sector comparisonPosition among 934 sector peers
Solvency
better than 20%
← weakest
strongest →
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 30-04-2026, 92 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
92 d early
2024
57 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 75 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
In the rankings
#4 company by total assets in Wanze, Administrative and support services sector#7 company by equity in Wanze, Administrative and support services sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€86,370▲ 582%
2024 · €12,671
Working capital
-€110,504▲ 8.5%
2024 · -€120,797
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20242025
Operating result€33,951-€43,738▲ 28.8%
Net result€12,671-€86,370▲ 582%
Equity€16,671-€103,041▲ 518%
Total assets€1.0m-€1.0m▲ 2.2%
Debt€984,679-€919,963▼ 6.6%
Working capital-€120,797--€110,504▲ 8.5%
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 29% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.0m
Fixed assets
€970,609 ▲ 0.1%
Current assets
€52,395 ▲ 67.1%
Equity and liabilities €1.0m
Equity
€103,041 ▲ 518%
Debt
€919,963 ▼ 6.6%
Debt's share of the balance-sheet total falls from 98.3% to 89.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€43,956▲
2024 · €36,817
Cash flow
€86,587▲
2024 · €15,537
Current ratio
0.32▲
2024 · 0.21
Debt to equity
8.93▼
2024 · 59.07
ROE
83.8%▲
2024 · 76.0%
ROA
8.4%▲
2024 · 1.3%
Interest coverage
2.75▲
2024 · 2.20
Debt ≤ 1 year
€162,899▲
2024 · €152,147
Debt > 1 year
€757,064▼
2024 · €832,532
Income taxes
€7,401▲
2024 · €4,572
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,866 | €217 | ▼ 92.4% |
| Gross operating margin9900 | €36,817 | €43,956 | ▲ 19.4% |
| Operating profit (loss)9901 | €33,951 | €43,738 | ▲ 28.8% |
| Financial income75/76B | €0 | €66,000 | ▲ 66,000,240% |
| Recurring financial income75 | €0 | €0 | ▲ 240% |
| Non-recurring financial income76B | - | €66,000 | - |
| Financial charges65/66B | €16,709 | €15,968 | ▼ 4.4% |
| Recurring financial charges65 | €16,709 | €15,968 | ▼ 4.4% |
| Profit (loss) for the period before taxes9903 | €17,242 | €93,771 | ▲ 444% |
| Income taxes67/77 | €4,572 | €7,401 | ▲ 61.9% |
| Profit (loss) for the period9904 | €12,671 | €86,370 | ▲ 582% |
| Profit (loss) for the period to be appropriated9905 | €12,671 | €86,370 | ▲ 582% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €1.0m | €1.0m | ▲ 2.2% |
| Fixed assets21/28 | €970,000 | €970,609 | ▲ 0.1% |
| Tangible fixed assets22/27 | - | €609 | - |
| Furniture and vehicles24 | - | €609 | - |
| Financial fixed assets28 | €970,000 | €970,000 | = |
| Current assets29/58 | €31,350 | €52,395 | ▲ 67.1% |
| Amounts receivable within one year40/41 | €197 | - | - |
| Trade receivables40 | €197 | - | - |
| Cash at bank and in hand54/58 | €31,153 | €52,395 | ▲ 68.2% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €1.0m | €1.0m | ▲ 2.2% |
| Equity10/15 | €16,671 | €103,041 | ▲ 518% |
| Contributions10/11 | €4,000 | €4,000 | = |
| Reserves13 | €12,671 | €99,041 | ▲ 682% |
| Distributable reserves133 | €12,671 | €99,041 | ▲ 682% |
| Amounts payable17/49 | €984,679 | €919,963 | ▼ 6.6% |
| Amounts payable after more than one year17 | €832,532 | €757,064 | ▼ 9.1% |
| Other amounts payable178/9 | €832,532 | €757,064 | ▼ 9.1% |
| Amounts payable within one year42/48 | €152,147 | €162,899 | ▲ 7.1% |
| Trade debts44 | €194 | €1,306 | ▲ 574% |
| Suppliers440/4 | €194 | €1,306 | ▲ 574% |
| Taxes, remuneration and social security45 | €10,423 | €12,996 | ▲ 24.7% |
| Taxes450/3 | €10,423 | €10,916 | ▲ 4.7% |
| Remuneration and social security454/9 | - | €2,080 | - |
| Other amounts payable47/48 | €141,530 | €148,597 | ▲ 5.0% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €12,671 | €86,370 | ▲ 582% |
| + Depreciation and write-downs630 | €2,866 | €217 | ▼ 92.4% |
| Operating cash flow (approximation) | €15,537 | €86,587 | ▲ 457% |
| Investment in fixed assets (approximation) | - | -€826 | - |
| Change in cash | - | €21,242 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Equity above €100,000Eq €103,041 ▲518%
2 profitable years in a row build equity to €103,041.
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Wanze · 1 establishment unit since 2024
Ground area
215 m²
Building footprint
82 m²
Volume, LiDAR
661 m³
Parcel 61005B0416/00W000, Wallonia · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SFA CONCEPT
since 20242.355.481.979
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61005B0416/00W000 | Wallonia | 215 m² | 1 · 82 m² | 9.3 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
23.07%
According to the 2025 annual accounts of SFA CONCEPT and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,517 companies in sector 82990 we hold annual accounts for 9,415. 7,198 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded15-01-2024
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
70200Business and other management consultancy
Contact
E-mail
sophiefalla@hotmail.com
Phone
0498654067
E-invoicing
Reachable via Peppol
Peppol ID
0208:1004653645
Also
9925:BE1004653645
Registered
21-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.