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Generated 04-09-2026
Active BE 0804.726.351Private limited company

SFINANCE

Erfprinslaan 33 ·1200 Sint-Lambrechts-Woluwe, Belgium· 3 yrs active
Sector: Business and other management consultancy (70200)
Conclusion Checked

SFINANCE has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €25k and a net result of €22k. Its solvency ranks better than 26% of 12490 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €25k
Net result €22k
Better than sector 26%
Active 3 yrs
Financial profile 4 of 5 axes measured · computed by Checked
Health78Profitability100Solvency59Growth-Stability79
79 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 78
Profitability 100
Solvency 59
Growth -
Stability 79
Bankruptcy probability (12 mo) Checked model v1 · free
1.0% Low
0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score FY 2024 · computed
78 / 100 Excellent
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€2k
estimate, not credit advice
Score components
Liquidity Current ratio 1.44 (≥ 1.0) +5
Quick ratio Quick ratio 1.44 (≥ 1.0) +5
Profitability ROE 88% (≥ 10%) +10
Interest coverage Interest coverage 47.7× (≥ 3×) +8
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 09-11-2025 with the NBB · fiscal year 2024 · micro schema
Sector comparison
Fiscal year 2024 · NACE 70, Activities of head offices; management consultancy activities · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 31.3% 60.5%
better than 26% of 12490 sector peers
Net result €22k €31k
better than 41% of 12492 sector peers
Equity €25k €63k
better than 27% of 12498 sector peers
Gross operating margin €31k €52k
better than 34% of 12477 sector peers
Total assets €80k €124k
better than 34% of 12491 sector peers
Figures by fiscal year and ratios
Fiscal year2024
Depositmicro schema
Revenue-
EBITDA€31k
Net profit€22k
Cash flow€23k
Staff costs-
Income taxes€7k
Dividends-
Total assets€80k
Equity€25k
Debt€55k
of which ≤ 1y€55k
of which > 1y-
Working capital€24k
Employees (FTE)-
Ratios (computed)
2024
Current ratio1.44
Quick ratio1.44
Working capital ratio30.3%
Solvency31.3%
Debt / equity2.19
Long-term debt ratio-
Interest coverage47.75
Gross margin-
Net margin-
ROA27.6%
ROE88.1%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts (20 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€80k
Fixed assets 21/28€825
Tangible fixed assets 22/27€825
Current assets 29/58€80k
Amounts receivable within one year 40/41€72k
Cash & bank 54/58€8k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€80k
Equity 10/15€25k
Contributions / capital 10/11€3k
Accumulated profits (losses) 14€22k
Amounts payable 17/49€55k
Amounts payable within one year 42/48€55k
Trade debts payable within one year 44€47k
Income statement
Gross operating margin 9900€31k
Operating result 9901€30k
Financial charges 65€639
Result before taxes 9903€29k
Income taxes 67/77€7k
Net result for the period 9904€22k
Result to be appropriated 9905€22k
Legal Structure
NACE primary Business and other management consultancy(70200)
Legal form Private limited company(610)
Incorporation10-08-2023
StatusActive
Postal code1200
Establishment units 1 location
Erfprinslaan 33, 1200 Sint-Lambrechts-Woluwe
Non-scheduled passenger transport by road
since 20232.348.169.862
Real-estate footprint Source: CBE × cadastre
Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21673D0141/00B015 Brussels 177 m² 1 · 94 m² 20.6 m · 3 fl.
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.
Updates 1 events
2025
09-11
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 101 days late
NBB filing
Belgian State Gazette reading coverage 0 of 1 acts read

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.

Credit advice verdict per customer and amount
Company registry (CBE) Crossroads Bank
Activities
Business and other management consultancy70200Business consulting70220Taxi operation49320On-demand passenger transport by chauffeured vehicle49330Other activities auxiliary to financial services, excluding insurance and pension funding66199
Names & trade names
Legal nameFR SFINANCE
Similar companies Comparable size · 50,889 of 82,369 companies in this sector with filed accounts
M+M Management & Consulting BE 0820.610.003 · Heusden-Zolder
RHEVOLVE BE 0548.877.072 · Ath
NICOLAS HARMEL SRL BE 0778.863.379 · Sint-Pieters-Woluwe
SMISS Consulting BE 0637.910.602 · Watermaal-Bosvoorde
ANS Consulting BE 0804.287.574 · Geel
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative