SGF IMMO CONSULT
ActiveSGF IMMO CONSULT has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17k and a net result of €33. Equity is growing by ~25.2% per year across the filed fiscal years. Its solvency ranks better than 77% of 2176 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability38▼-9
Solvency90▼-10
Growth52=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.86 against 4.44 in 2024; short-term debt: 35% and cash: 22.8% of total assets), and 35% of the assets are financed with debt.
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
65%
Return on assets
0.1%
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
31 d late
2023
92 d late
2022
92 d late
2021
90 d late
2020
66 d late
2019
100 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€17k▲ 0.2%
2024 · €17k
2018: €3k
2019: €6k
2020: €8k
2021: €7k
2022: €9k
2023: €16k
2024: €17k
2018 → 2025
Total assets
€26k▲ 19.4%
2024 · €22k
2018: €16k
2019: €15k
2020: €14k
2021: €14k
2022: €17k
2023: €19k
2024: €22k
2018 → 2025
Net result
€33▼ 96.1%
2024 · €848
2018: €1k
2019: €2k
2020: €2k
2021: €-434
2022: €2k
2023: €7k
2024: €848
2018 → 2025
Working capital
€17k▲ 0.2%
2024 · €17k
2018: €3k
2019: €6k
2020: €8k
2021: €7k
2022: €9k
2023: €16k
2024: €17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€7k-€9k▲ 24.0%€16k▲ 82.2%€17k▲ 5.2%€17k▲ 0.2%
Operating result€208-€2k▲ 769%€7k▲ 311%€1k▼ 84.2%€2k▲ 51.5%
Net result€-434-€2k€7k▲ 325%€848▼ 88.5%€33▼ 96.1%
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 recovers in 2025; 2025 is 52% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €26k
Equity
€17k▲ 0.2%
Debt
€9k▲ 85.6%
The debt ratio rises from 22.5% to 35.0%. Equity and debt are higher.
Key figures and ratios
Solvency
65.0%▼
2024 · 77.5%
Current ratio
2.86▼
2024 · 4.44
Quick ratio
2.86▼
2024 · 4.44
Debt / equity
0.54▲
2024 · 0.29
ROE
0.2%▼
2024 · 4.9%
ROA
0.1%▼
2024 · 3.8%
Debt
€9k▲
2024 · €5k
Debt ≤ 1 year
€9k▲
2024 · €5k
Income taxes
€2k▲
2024 · €272
Staff costs
€23k▲
2024 · €16k
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€22k€26k▲
Current assets29/58€22k€26k▲
Amounts receivable within one year40/41€22k€20k▼
Trade receivables40€13k€15k▲
Other amounts receivable41€9k€6k▼
Cash at bank and in hand54/58€90€6k▲
Deferred charges and accrued income490/1€359-
Equity and liabilities
Total equity and liabilities10/49€22k€26k▲
Equity10/15€17k€17k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Profit (loss) carried forward14€-1k€-1k▲
Amounts payable17/49€5k€9k▲
Amounts payable within one year42/48€5k€9k▲
Taxes, remuneration and social security45€5k€9k▲
Taxes450/3€3k€6k▲
Remuneration and social security454/9€2k€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€16k€23k▲
Gross operating margin9900€17k€25k▲
Operating profit (loss)9901€1k€2k▲
Financial charges65/66B€56€97▲
Recurring financial charges65€56€97▲
Profit (loss) for the period before taxes9903€1k€2k▲
Income taxes67/77€272€2k▲
Profit (loss) for the period9904€848€33▼
Profit (loss) for the period to be appropriated9905€848€33▼
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€-1k▲
Profit (loss) brought forward from the previous period14P€-2k€-1k▲
The notes to these accounts (2 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 · abbreviated schema · 31 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
2023
31-12
Financial
Highest result since 2018net €7k ▲325%
Operating result €7k, net result €7k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 6.69
Current ratio from 2.19 to 6.69; short-term debt falls from €8k to €3k.
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
2022
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 90 days late
2021
31-12
Financial
Weakest financial yearnet €-434 ▼121%
Net result drops to €-434, the lowest in the series; recovery starts the following year.
05-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 66 days late
2020
08-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 100 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Koekelberg · 1 establishment unit since 2008
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.
Pantheonlaan 80/91081 KoekelbergGround area
377 m²
Building footprint
222 m²
Volume, LiDAR
4,353 m³
Parcel 21011A0041/00S002, Brussels · tallest building 23.4 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
SGF Immo Consult
since 20082.173.146.230
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21011A0041/00S002 | Brussels | 377 m² | 1 · 222 m² | 23.4 m · 7 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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SA CONCEPT
BE 1006.870.292
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D.S.A GROUPE
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BATI BF
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Bernissart · Eq €17k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 11,116 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded27-08-2008
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
70200Business and other management consultancy
70220Business consulting
43990Other specialised construction activities
43999Specialised construction activities
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82190Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:sgfimmoconsult@hotmail.com