SFI-CONSULT

Active

Private limited companyfounded 20242 yrs activeRue d'Enfer(TSL) 23, 1457 Walhain, BelgiumKBO/BCE: BE 1007.571.563

SFI-CONSULT has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €113k and a net result of €78k. Its solvency ranks better than 59% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

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Checked score

Score 2025

91 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency90▲+28

Growth78

Track record82

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €10k at 30 days only on tighter terms

Liquidity ample (current ratio 3.1 against 1.67 in 2024; short-term debt: 24% and cash: 72.8% of total assets), and 34.8% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

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 →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

65.2%

Return on assets

45%

Age of the figures

12 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 24-03-2026, 37 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

37 d early

2024

2 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

22-09-2026 today30-09-2026 close30-04-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€113k▲ 223%

2024 · €35k

2024: €35k

2024 → 2025

Total assets

€173k▲ 83.9%

2024 · €94k

2024: €94k

2024 → 2025

Net result

€78k▲ 124%

2024 · €35k

2024: €35k

2024 → 2025

Working capital

€87k▲ 345%

2024 · €20k

2024: €20k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€35k-€113k▲ 223%

Operating result€45k-€100k▲ 123%

Net result€35k-€78k▲ 124%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result rises in 2025; 2025 is 123% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €173k

25.6%

74.4%

Fixed assets €44k▼ 2.0%

Current assets €129k▲ 163%

Equity and liabilities €173k

65.2%

34.8%

Equity €113k▲ 223%

Debt €60k▲ 1.7%

The debt ratio falls from 62.9% to 34.8%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€111k▲

2024 · €50k

Cash flow

€89k▲

2024 · €40k

Solvency

65.2%▲

2024 · 37.1%

Current ratio

3.10▲

2024 · 1.67

Quick ratio

3.10▲

2024 · 1.67

Debt / equity

0.53▼

2024 · 1.70

ROE

69.1%▼

2024 · 99.7%

ROA

45.0%▲

2024 · 36.9%

Interest coverage

74.87▲

2024 · 56.03

Debt

€60k▲

2024 · €59k

Debt ≤ 1 year

€42k▲

2024 · €29k

Debt > 1 year

€19k▼

2024 · €30k

Income taxes

€21k▲

2024 · €9k

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€94k€173k▲

Fixed assets21/28€45k€44k▼

Tangible fixed assets22/27€45k€44k▼

Plant, machinery and equipment23-€621

Furniture and vehicles24€45k€44k▼

Current assets29/58€49k€129k▲

Amounts receivable within one year40/41-€2k

Trade receivables40-€1k

Other amounts receivable41-€347

Cash at bank and in hand54/58€49k€126k▲

Deferred charges and accrued income490/1€551€1k▲

Equity and liabilities

Total equity and liabilities10/49€94k€173k▲

Equity10/15€35k€113k▲

Contributions10/11€100€100=

Profit (loss) carried forward14€35k€113k▲

Amounts payable17/49€59k€60k▲

Amounts payable after more than one year17€30k€19k▼

Financial debts170/4€30k€19k▼

Amounts payable within one year42/48€29k€42k▲

Current portion of amounts payable after more than one year42€11k€11k▲

Trade debts44€106-

Suppliers440/4€106-

Taxes, remuneration and social security45€18k€30k▲

Taxes450/3€18k€30k▲

Other amounts payable47/48€513-

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€11k▲

Other operating charges640/8€95€387▲

Gross operating margin9900€50k€111k▲

Operating profit (loss)9901€45k€100k▲

Financial income75/76B-€3

Recurring financial income75-€3

Financial charges65/66B€893€1k▲

Recurring financial charges65€893€1k▲

Profit (loss) for the period before taxes9903€44k€99k▲

Income taxes67/77€9k€21k▲

Profit (loss) for the period9904€35k€78k▲

Profit (loss) for the period to be appropriated9905€35k€78k▲

Appropriation of the result

Profit (loss) to be appropriated9906€35k€113k▲

Profit (loss) brought forward from the previous period14P-€35k

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

Next filing, fiscal year 2026, expected by 30-04-2027

2026

24-03

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-09

Financial Equity above €100kEq €113k ▲223%

2 profitable years in a row build equity to €113k.

28-04

NBB filing Annual accounts filed

fiscal year 2024 · 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, Walhain · 1 establishment unit since 2024

establishment The establishment unit on the map

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.

Rue d'Enfer(TSL) 231457 Walhain

Ground area

1,303 m²

Building footprint

146 m²

Volume, LiDAR

835 m³

Parcel 25104C0575/00S000, Wallonia · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

SFI-consult

Rue d'Enfer(TSL) 23, 1457 WalhainOther activities auxiliary to financial services, excluding insurance and pension funding

since 20242.357.767.221

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25104C0575/00S000	Wallonia	1,303 m²	1 · 146 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.

Similar companies · same sector, comparable size

DRESSAGE.EU

BE 0460.052.390

Hoogstraten · Eq €113k

Huldenberg · Eq €113k

UNIQTY

BE 1000.666.747

Etterbeek · Eq €113k

Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 40,775 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded26-03-2024

Fiscal year end30-09

Activities, NACEBEL

70200Business and other management consultancy

70220Business consulting

66199Other activities auxiliary to financial services, excluding insurance and pension funding

70210Activities of head offices; management consultancy activities

73300Public relations and communication consultancy

74909Other professional, scientific and technical activities

74999Other professional, scientific and technical activities

85592Vocational training

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

2 entries

E-mail:contact.sficonsult@gmail.com

Enterprise

Phone:+32473911519

Enterprise