SFK-CONSULT
ActiveThe computed 12-month bankruptcy probability of SFK-CONSULT is 2.9% (moderate). The 2025 annual accounts show equity of €96k and a net result of €64k. Its solvency ranks better than 55% of 1832 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
89
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency70▲+3
Growth78
Stability82
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days only on tighter terms
Liquidity tight (current ratio 1.13 against 1.28 in 2024), and 55.4% of the assets are financed with debt.
Credit advice for your own amount and term
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← 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
44.6%
Return on assets
29.9%
Age of the figures
8 mo
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 24-07-2026, 7 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
7 d early
2024
77 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€96k▲ 204%
2024 · €31k
2024: €31k
2024 → 2025
Total assets
€214k▲ 166%
2024 · €81k
2024: €81k
2024 → 2025
Net result
€64k▲ 142%
2024 · €26k
2024: €26k
2024 → 2025
Working capital
€12k▼ 14.1%
2024 · €14k
2024: €14k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€31k-€96k▲ 204%
Operating result€38k-€83k▲ 121%
Net result€26k-€64k▲ 142%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 121% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €214k
Fixed assets
€111k▲ 531%
Current assets
€104k▲ 65.3%
Equity and liabilities €214k
Equity
€96k▲ 204%
Debt
€119k▲ 142%
The debt ratio falls from 61.0% to 55.4%: equity grows faster than debt.
Key figures and ratios
EBITDA
€101k▲
2024 · €41k
Cash flow
€82k▲
2024 · €30k
Solvency
44.6%▲
2024 · 39.0%
Current ratio
1.13▼
2024 · 1.28
Quick ratio
1.13▼
2024 · 1.28
Debt / equity
1.24▼
2024 · 1.56
ROE
67.1%▼
2024 · 84.1%
ROA
29.9%▼
2024 · 32.8%
Interest coverage
48.68▲
2024 · 41.61
Debt
€119k▲
2024 · €49k
Debt ≤ 1 year
€92k▲
2024 · €49k
Debt > 1 year
€27k
Income taxes
€17k▲
2024 · €10k
Staff costs
€174k▲
2024 · €22k
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€81k€214k▲
Formation expenses20€384€0▼
Fixed assets21/28€18k€111k▲
Tangible fixed assets22/27€18k€111k▲
Furniture and vehicles24€18k€111k▲
Current assets29/58€63k€104k▲
Amounts receivable within one year40/41€13k€215▼
Trade receivables40€13k€0▼
Other amounts receivable41€80€215▲
Cash at bank and in hand54/58€49k€103k▲
Equity and liabilities
Total equity and liabilities10/49€81k€214k▲
Equity10/15€31k€96k▲
Contributions10/11€5k€5k=
Reserves13€26k€26k=
Distributable reserves133€26k€26k=
Profit (loss) carried forward14-€64k
Amounts payable17/49€49k€119k▲
Amounts payable after more than one year17-€27k
Financial debts170/4-€27k
Amounts payable within one year42/48€49k€92k▲
Current portion of amounts payable after more than one year42-€30k
Trade debts44€9k€18▼
Suppliers440/4€9k€18▼
Taxes, remuneration and social security45€35k€55k▲
Taxes450/3€27k€29k▲
Remuneration and social security454/9€8k€26k▲
Other amounts payable47/48€6k€7k▲
Income statement
Code20242025
Remuneration, social security and pensions62€22k€174k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€18k▲
Other operating charges640/8€340€2k▲
Gross operating margin9900€63k€278k▲
Operating profit (loss)9901€38k€83k▲
Financial income75/76B€1€1▼
Recurring financial income75€1€1▼
Financial charges65/66B€986€2k▲
Recurring financial charges65€986€2k▲
Profit (loss) for the period before taxes9903€37k€81k▲
Income taxes67/77€10k€17k▲
Profit (loss) for the period9904€26k€64k▲
Profit (loss) for the period to be appropriated9905€26k€64k▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€64k▲
Transfer to equity691/2€26k€0▼
To other reserves6921€26k€0▼
Social balance
Average headcount (FTE)9087-7.3
The notes to these accounts (15 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Sint-Niklaas · 1 establishment unit since 2024
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.
Botermelkstraat 25A9100 Sint-NiklaasGround area
483 m²
Building footprint
137 m²
Volume, LiDAR
2 m³
Parcel 46444D0050/00S000, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
SFK-CONSULT
since 20242.361.531.712
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46444D0050/00S000 | Flanders | 483 m² | 1 · 137 m² | 0.1 m |
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.
Recognitions · licences · registrations
Parcel delivery
Notified to the BIPT
Similar companies · same sector, comparable size
TRANSPORT IJPELAAR
BE 0472.974.176
Malle · Eq €96k
MASETTIMMO
BE 1005.832.095
Gembloux · Eq €96k
HAGELAND LOGISTIEK
BE 0456.291.562
Bekkevoort · Eq €95k
ERVEE
BE 0848.656.859
Antwerpen · Eq €95k
GLOBAL RENTAL TRANSPORT
BE 0500.457.147
Hoogstraten · Eq €95k
Of 12,446 companies in sector 49410 we hold annual accounts for 8,085. 6,233 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-07-2024
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
25110Manufacture of metal structures and parts of structures
43212Electrical installation work in industrial facilities
49420Removal services
52210Service activities incidental to land transportation
52250Logistics services
52290Warehousing and support activities for transportation
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.