SOTREZ CONSULT
ActiveSOTREZ CONSULT has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €74k and a net result of €2k. Equity is growing by ~21.9% per year across the filed fiscal years. Its solvency ranks better than 16% of 8657 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability31▼-5
Solvency36▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity short (current ratio 0.58 against 0.72 in 2024; short-term debt: 40.1% and cash: 0.1% of total assets), and 88.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · 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 →
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
11.4%
Return on assets
0.3%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 8657 sector peers (2025).
NBB · sector comparisonPosition among 8657 sector peers
Solvency
better than 16%
← 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 31-07-2026, 0 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
on the day
2024
30 d late
2023
31 d late
2022
31 d late
2021
31 d late
2020
28 d late
2019
31 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
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€2k▼ 93.8%
2024 · €29k
2018: €310
2019: €623
2020: €802
2021: €-62
2022: €152
2023: €32k
2024: €29k
2018 → 2025
Working capital
€-109k▼ 39.5%
2024 · €-78k
2018: €-60k
2019: €-79k
2020: €-89k
2021: €-137k
2022: €-189k
2023: €-88k
2024: €-78k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€22k▲ 0.7%€43k▲ 98.9%€72k▲ 67.0%€74k▲ 2.5%
Operating result€2k-€2k▼ 0.4%€24k▲ 1,334%€4k▼ 81.2%€11k▲ 154%
Net result€-62-€152€32k▲ 20,805%€29k▼ 8.3%€2k▼ 93.8%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 154% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €652k
Fixed assets
€500k▼ 0.4%
Current assets
€152k▼ 25.7%
Equity and liabilities €652k
Equity
€74k▲ 2.5%
Debt
€577k▼ 8.9%
The debt ratio falls from 89.7% to 88.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€13k▲
2024 · €7k
Cash flow
€4k▼
2024 · €31k
Solvency
11.4%▲
2024 · 10.3%
Current ratio
0.58▼
2024 · 0.72
Quick ratio
0.58▼
2024 · 0.72
Debt / equity
7.77▼
2024 · 8.75
ROE
2.4%▼
2024 · 40.1%
ROA
0.3%▼
2024 · 4.1%
Interest coverage
1.40▼
2024 · 1.47
Debt
€577k▼
2024 · €634k
Debt ≤ 1 year
€261k▼
2024 · €283k
Debt > 1 year
€315k▼
2024 · €351k
Income taxes
€-48▼
2024 · €928
Staff costs
€79k▲
2024 · €12k
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€707k€652k▼
Fixed assets21/28€502k€500k▼
Tangible fixed assets22/27€31k€28k▼
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€28k€27k▼
Financial fixed assets28€471k€471k=
Current assets29/58€205k€152k▼
Amounts receivable within one year40/41€199k€151k▼
Trade receivables40€113k€9k▼
Other amounts receivable41€86k€142k▲
Cash at bank and in hand54/58€6k€886▼
Deferred charges and accrued income490/1-€251
Equity and liabilities
Total equity and liabilities10/49€707k€652k▼
Equity10/15€72k€74k▲
Contributions10/11€21k€21k=
Profit (loss) carried forward14€52k€54k▲
Amounts payable17/49€634k€577k▼
Amounts payable after more than one year17€351k€315k▼
Financial debts170/4€351k€315k▼
Amounts payable within one year42/48€283k€261k▼
Current portion of amounts payable after more than one year42€56k€36k▼
Trade debts44€51k€48k▼
Suppliers440/4€51k€48k▼
Taxes, remuneration and social security45-€14k
Taxes450/3-€5k
Remuneration and social security454/9-€10k
Other amounts payable47/48€175k€163k▼
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Remuneration, social security and pensions62€12k€79k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€27k€52k▲
Other operating charges640/8€462€477▲
Gross operating margin9900€46k€145k▲
Operating profit (loss)9901€4k€11k▲
Financial income75/76B€30k€70▼
Recurring financial income75€30k€70▼
Financial charges65/66B€4k€10k▲
Recurring financial charges65€4k€10k▲
Profit (loss) for the period before taxes9903€30k€2k▼
Income taxes67/77€928€-48▼
Profit (loss) for the period9904€29k€2k▼
Profit (loss) for the period to be appropriated9905€29k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€52k€54k▲
Profit (loss) brought forward from the previous period14P€23k€52k▲
Social balance
Average headcount (FTE)90870.31.6▲
The notes to these accounts (9 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 30 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 31 days late
2023
31-12
Financial
Highest result since 2018net €32k ▲20805%
Operating result €24k, net result €32k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-12
Financial
Back to profitnet €152
Net result €152 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €-62 ▼108%
Net result drops to €-62, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 28 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Herve · 1 establishment unit since 2018
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.
Verte Voie 624653 HerveGround area
1,380 m²
Building footprint
164 m²
Volume, LiDAR
898 m³
Parcel 63010A0042/00F000, Wallonia · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Verte Voie 62, 4653 Herve
since 20182.276.570.697
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63010A0042/00F000 | Wallonia | 1,380 m² | 1 · 164 m² | 8.7 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
LEDEX
BE 0460.234.613
Maasmechelen · Eq €74k
CHRISTOPHE GILEN
BE 0786.425.718
Landen · Eq €74k
GERKA
BE 0807.587.950
Heist-op-den-Berg · Eq €74k
IOS CONSULTING
BE 0459.557.492
Lubbeek · Eq €74k
TOGETHR
BE 0537.697.823
Laarne · Eq €74k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 39,876 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-05-2018
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.