Summary
SPLENDOR CONSULT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €367,174 and a net result of €13,840. Equity is growing by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 56% of 8211 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-01-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
29 d early
2022
28 d early
2021
5 d early
2020
3 d early
2019
22 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 13 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 26 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close01-10-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#8 oldest company in Bonheiden, Finance and insurance sector
Equity
€367,174▲ 3.9%
2024 · €353,334
Net result
€13,840
2024 · -€7,478
Total assets
€622,179▼ 6.8%
2024 · €667,300
Solvency
59.0%▲ 6.1pp
2024 · 52.9%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€122,552▲ 4.1%€121,706▼ 0.7%€12,941▼ 89.4%€3,056▼ 76.4%€24,626▲ 706%
Net result€77,317above the sector's middle half▲ 17.2%€77,440above the sector's middle half▲ 0.2%€3,729within the sector's middle half▼ 95.2%-€7,478below the sector's middle half€13,840within the sector's middle half
Equity€279,643within the sector's middle half▲ 38.2%€357,083within the sector's middle half▲ 27.7%€360,813within the sector's middle half▲ 1.0%€353,334within the sector's middle half▼ 2.1%€367,174within the sector's middle half▲ 3.9%
Total assets€729,747within the sector's middle half▲ 2.5%€753,351within the sector's middle half▲ 3.2%€691,742within the sector's middle half▼ 8.2%€667,300within the sector's middle half▼ 3.5%€622,179within the sector's middle half▼ 6.8%
Debt€450,104▼ 11.7%€396,268▼ 12.0%€330,930▼ 16.5%€313,966▼ 5.1%€255,005▼ 18.8%
Working capital€83,780within the sector's middle half▲ 304%€145,183within the sector's middle half▲ 73.3%€134,956within the sector's middle half▼ 7.0%€115,802within the sector's middle half▼ 14.2%€133,310within the sector's middle half▲ 15.1%
Solvency38.3%within the sector's middle half▲ 9.9pp47.4%within the sector's middle half▲ 9.1pp52.2%within the sector's middle half▲ 4.8pp52.9%within the sector's middle half▲ 0.8pp59.0%within the sector's middle half▲ 6.1pp
Current ratio1.64within the sector's middle half▲ 0.512.33within the sector's middle half▲ 0.692.76within the sector's middle half▲ 0.432.28within the sector's middle half▼ 0.483.88within the sector's middle half▲ 1.60
Return on assets (ROA)10.6%within the sector's middle half▲ 1.3pp10.3%within the sector's middle half▼ 0.3pp0.5%below the sector's middle half▼ 9.7pp-1.1%below the sector's middle half▼ 1.7pp2.2%within the sector's middle half▲ 3.3pp
Staff (FTE)0.5▼ 28.6%1▲ 100%1=0.5▼ 50.0%
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 706% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €622,179
Fixed assets
€442,542 ▼ 4.0%
Current assets
€179,638 ▼ 13.0%
Equity and liabilities €622,179
Equity
€367,174 ▲ 3.9%
Debt
€255,005 ▼ 18.8%
Debt's share of the balance-sheet total falls from 47.1% to 41.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
3.8%▲
2024 · -2.1%
Debt ≤ 1 year
€46,327▼
2024 · €90,665
Debt > 1 year
€208,678▼
2024 · €220,801
Income taxes
€3,416▲
2024 · €1,154
Staff costs
€83▼
2024 · €24,156
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €36,412 | €35,533 | €24,156 | €83 | ▼ 99.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €18,292 | €19,057 | €19,057 | €19,057 | €18,292 | ▼ 4.0% |
| Other operating charges640/8 | - | €4,011 | €4,202 | €3,860 | €4,076 | ▲ 5.6% |
| Gross operating margin9900 | €181,211 | €181,185 | €71,734 | €50,129 | €47,077 | ▼ 6.1% |
| Operating profit (loss)9901 | €122,552 | €121,706 | €12,941 | €3,056 | €24,626 | ▲ 706% |
| Financial charges65/66B | - | €7,166 | €8,600 | €9,381 | €7,370 | ▼ 21.4% |
| Recurring financial charges65 | €8,101 | €7,166 | €8,600 | €9,381 | €7,370 | ▼ 21.4% |
| Profit (loss) for the period before taxes9903 | €114,451 | €114,540 | €4,341 | -€6,325 | €17,256 | ▲ 373% |
| Income taxes67/77 | €37,134 | €37,100 | €612 | €1,154 | €3,416 | ▲ 196% |
| Profit (loss) for the period9904 | €77,317 | €77,440 | €3,729 | -€7,478 | €13,840 | ▲ 285% |
| Profit (loss) for the period to be appropriated9905 | €77,317 | €77,440 | €3,729 | -€7,478 | €13,840 | ▲ 285% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €729,747 | €753,351 | €691,742 | €667,300 | €622,179 | ▼ 6.8% |
| Fixed assets21/28 | €515,708 | €498,947 | €479,890 | €460,833 | €442,542 | ▼ 4.0% |
| Tangible fixed assets22/27 | €515,708 | €498,947 | €479,890 | €460,833 | €442,542 | ▼ 4.0% |
| Land and buildings22 | - | €497,417 | €479,125 | €460,833 | €442,542 | ▼ 4.0% |
| Furniture and vehicles24 | - | €1,531 | €765 | - | - | - |
| Current assets29/58 | €214,038 | €254,404 | €211,852 | €206,467 | €179,638 | ▼ 13.0% |
| Amounts receivable within one year40/41 | €210,150 | €238,314 | €208,319 | €195,771 | €179,357 | ▼ 8.4% |
| Trade receivables40 | - | €238,314 | €203,599 | €195,771 | €172,570 | ▼ 11.9% |
| Other amounts receivable41 | - | - | €4,720 | - | €6,787 | - |
| Cash at bank and in hand54/58 | €3,330 | €14,670 | €1,424 | €10,192 | €258 | ▼ 97.5% |
| Deferred charges and accrued income490/1 | - | €1,420 | €2,109 | €503 | €23 | ▼ 95.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €729,747 | €753,351 | €691,742 | €667,300 | €622,179 | ▼ 6.8% |
| Equity10/15 | €279,643 | €357,083 | €360,813 | €353,334 | €367,174 | ▲ 3.9% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €261,043 | €338,483 | €342,213 | €342,213 | €348,574 | ▲ 1.9% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | - | - | - |
| Distributable reserves133 | - | €336,623 | €340,353 | €342,213 | €348,574 | ▲ 1.9% |
| Profit (loss) carried forward14 | - | - | - | -€7,478 | - | - |
| Amounts payable17/49 | €450,104 | €396,268 | €330,930 | €313,966 | €255,005 | ▼ 18.8% |
| Amounts payable after more than one year17 | €319,846 | €287,047 | €254,034 | €220,801 | €208,678 | ▼ 5.5% |
| Financial debts170/4 | - | €287,047 | €254,034 | €220,801 | €208,678 | ▼ 5.5% |
| Amounts payable within one year42/48 | €130,258 | €109,221 | €76,896 | €90,665 | €46,327 | ▼ 48.9% |
| Current portion of amounts payable after more than one year42 | - | €37,618 | €38,059 | €33,233 | €14,645 | ▼ 55.9% |
| Trade debts44 | €28,623 | €53,256 | €27,819 | €40,975 | €11,052 | ▼ 73.0% |
| Suppliers440/4 | - | €53,256 | €27,819 | €40,975 | €11,052 | ▼ 73.0% |
| Taxes, remuneration and social security45 | - | €18,347 | €9,018 | €4,376 | €8,549 | ▲ 95.4% |
| Taxes450/3 | - | €12,727 | €3,034 | €2,557 | €8,549 | ▲ 234% |
| Remuneration and social security454/9 | - | €5,619 | €5,984 | €1,819 | - | - |
| Other amounts payable47/48 | - | - | €2,000 | €12,081 | €12,081 | = |
| Accrued charges and deferred income492/3 | - | - | - | €2,500 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €77,317 | €77,440 | €3,729 | -€7,478 | €13,840 | ▲ 285% |
| + Depreciation and write-downs630 | €18,292 | €19,057 | €19,057 | €19,057 | €18,292 | ▼ 4.0% |
| Operating cash flow (approximation) | €95,609 | €96,497 | €22,786 | €11,579 | €32,132 | ▲ 178% |
| Investment in fixed assets (approximation) | - | -€2,296 | €0 | €0 | €0 | - |
| Change in cash | - | €11,340 | -€13,246 | €8,768 | -€9,935 | ▼ 213% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €13,840
Net result €13,840 after one loss-making year.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet -€7,478
Net result drops to -€7,478, the lowest in the series; recovery starts the following year.
02-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €77,440 ▲0.2%
Net result €77,440, the highest in the series.
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Equity above €200,000Eq €202,325 ▲48.4%
2 profitable years in a row build equity to €202,325.
09-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
21-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 6 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Bonheiden · 1 establishment unit since 2003
Ground area
1,753 m²
Building footprint
215 m²
Volume, LiDAR
1,042 m³
Parcel 12031D0402/00L002, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
SPLENDOR CONSULT
since 20032.134.786.688
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12031D0402/00L002 | Flanders | 1,753 m² | 1 · 215 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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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PATRIMA
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Of 24,721 companies in this sector we hold annual accounts for 19,804. 13,779 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded03-10-2003
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0860858667
Also
9925:BE0860858667
Registered
23-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.