Split Key Consulting
ActiveSummary
Split Key Consulting has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €300,751 and a net result of €93,119. Its solvency ranks better than 90% of 21,130 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 15-03-2023 Normal situation
- Activity
- Computer consultancy and computer facilities management NACE 62200
- Establishment unit
- 2.342.638.090 2000 Antwerpen, since 15-03-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 25-08-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- < 0.1%
- Gross margin
- €121,845
- ▼ 55.4%
- Turnover
- ≈ €190,000
- estimated
- Profit
- €93,119
- ▼ 54.4%
- Equity
- €300,751
- ▲ 44.3%
- Total assets
- €330,342
- ▲ 39.0%
- 2025 accounts filed 25 days after the deadline
Score breakdownlowers riskLiquidity: current ratio 11.10, cash €281,221Sector: Computer programming, consultancy and related activities (NACE 62)Equity €300,751 (91.0% of total assets)Size: total assets €330,342Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 85% of them on solvency, 96% on liquidity, 82% on profitability and 77% on growth.
The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 2 accounts on average 24 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 25 days after the deadline Filed on 25 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00423524.
Annual accounts 2025 filed on 25-08-2026 at the NBB all 2 filings
2024 to 2025, 2 financial years
The operating result for 2025 is 55% lower than in 2024.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Computer programming, consultancy and related activities (NACE 62). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Investments
| Item | 2024 | 2025 |
|---|---|---|
| Tangible fixed assets | €1,614 | €1,569 |
| Depreciation and write-downs of the year | €3,368 | €785 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Comparable companies
These companies have the same main activity as Split Key Consulting: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €290,000 and €351,000, founded between 2022 and 2023.
| Company | Founded | Total assets | Equity | Gross margin | Turnover | Net result | FTE | Financial year |
|---|---|---|---|---|---|---|---|---|
| Split Key Consulting Antwerpen | 2023 | €330,342 | €300,751 | €121,845 | - | €93,119 | - | 2025 |
| Convolve Kontich | 2023 | €338,062 | €152,386 | €128,310 | €624,414 | €7,059 | 1.7 | 2025 |
| OTOCONSULT Antwerpen | 2023 | €351,407 | €158,626 | €121,971 | - | €67,622 | - | 2025 |
| Helipa Antwerpen | 2023 | €314,609 | €139,528 | €114,746 | - | €72,289 | - | 2025 |
| LAMOEN CONSULTING Rumst | 2023 | €289,579 | €252,855 | €123,971 | - | €96,563 | - | 2025 |
| mxIT Antwerpen | 2022 | €315,515 | €295,777 | €139,319 | - | €106,266 | - | 2025 |
| GlennOps Antwerpen | 2022 | €292,984 | €3,735 | €118,705 | - | €83,916 | - | 2025 |
They were chosen from the 18,969 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Companies with the same profile, two years later
Historical observationIn July 2024, 39,278 companies had the same profile as Split Key Consulting has now. Two years later, 1.8% had gone bankrupt and 95.9% were still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
The bankruptcy probability of Split Key Consulting itself is lower: < 0.1% within 12 months. It rests on far more data about Split Key Consulting than the profile alone.
Test of the method
The method was tested on the 497,445 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for Split Key Consulting. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,368 | €785 | ▼ 76.7% |
| Other operating charges640/8 | €118 | €183 | ▲ 55.4% |
| Gross operating margin9900 | €273,376 | €121,845 | ▼ 55.4% |
| Operating profit (loss)9901 | €269,891 | €120,877 | ▼ 55.2% |
| Financial income75/76B | €47 | €75 | ▲ 59.9% |
| Recurring financial income75 | €47 | €75 | ▲ 59.9% |
| Financial charges65/66B | €2,643 | €2,448 | ▼ 7.4% |
| Recurring financial charges65 | €2,643 | €2,448 | ▼ 7.4% |
| Profit (loss) for the period before taxes9903 | €267,294 | €118,504 | ▼ 55.7% |
| Income taxes67/77 | €62,996 | €25,385 | ▼ 59.7% |
| Profit (loss) for the period9904 | €204,298 | €93,119 | ▼ 54.4% |
| Profit (loss) for the period to be appropriated9905 | €204,298 | €93,119 | ▼ 54.4% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €237,573 | €330,342 | ▲ 39.0% |
| Fixed assets21/28 | €1,176 | €1,961 | ▲ 66.7% |
| Tangible fixed assets22/27 | €1,176 | €1,961 | ▲ 66.7% |
| Furniture and vehicles24 | €1,176 | €1,961 | ▲ 66.7% |
| Current assets29/58 | €236,397 | €328,381 | ▲ 38.9% |
| Amounts receivable within one year40/41 | €40,366 | €43,955 | ▲ 8.9% |
| Trade receivables40 | €38,836 | €41,818 | ▲ 7.7% |
| Other amounts receivable41 | €1,530 | €2,138 | ▲ 39.7% |
| Cash at bank and in hand54/58 | €192,990 | €281,221 | ▲ 45.7% |
| Deferred charges and accrued income490/1 | €3,041 | €3,205 | ▲ 5.4% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €237,573 | €330,342 | ▲ 39.0% |
| Equity10/15 | €208,465 | €300,751 | ▲ 44.3% |
| Contributions10/11 | €5,000 | €5,000 | = |
| Reserves13 | €203,465 | €295,751 | ▲ 45.4% |
| Distributable reserves133 | €203,465 | €295,751 | ▲ 45.4% |
| Amounts payable17/49 | €29,108 | €29,591 | ▲ 1.7% |
| Amounts payable within one year42/48 | €29,108 | €29,591 | ▲ 1.7% |
| Trade debts44 | €587 | €721 | ▲ 22.8% |
| Suppliers440/4 | €587 | €721 | ▲ 22.8% |
| Taxes, remuneration and social security45 | €9,902 | €10,084 | ▲ 1.8% |
| Taxes450/3 | €9,902 | €10,084 | ▲ 1.8% |
| Other amounts payable47/48 | €18,619 | €18,786 | ▲ 0.9% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €204,298 | €93,119 | ▼ 54.4% |
| + Depreciation and write-downs630 | €3,368 | €785 | ▼ 76.7% |
| Operating cash flow (approximation) | €207,666 | €93,904 | ▼ 54.8% |
| Investment in fixed assets (approximation) | - | -€1,569 | - |
| Change in cash | - | €88,231 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Board & ownership
Directors
Owners and capital
Shareholders
- MARTINO Raf 100 shares (100%) · €5,000 in cash
Capital transactions
- 17-03-2023 Incorporation · €5,000 · 100 shares
Network & group
Split Key Consulting shares no director with another company.
Companies at the same address
2 other companiesConnections & network
1 current directorThe network starts from the directors of Split Key Consulting. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
17-03
Gazette deed
IncorporationStarting capital €5,000 · Appointment: MARTINO Raf (director) · Permanent representative: MARTINO Raf · Founder5 points ▸
- Incorporation, 14-03-2023
- Founder, MARTINO Raf (shareholder)
- Founding capital, €5,000
- Director appointment, MARTINO Raf (director)
- Permanent representative, MARTINO Raf
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
18 activities
- Alle handelingen die direct of indirect verband houden met computerbeveiliging, maar niet beperkt tot deze domeinen.
- Het leveren van advies en consulting inzake informatica, netwerkbeheer, marketing, consultancy, aankoop -en verkoopadvies, strategie, organisatie, opleiding, expertise, ontwerp, implementatie, promotie en bijstand aan ondernemingen en alle aanverwante domeinen binnen de algemene noemer van de informatica. Deze diensten kunnen worden uitgeoefend ovv projectmanagement, coaching, changemanagement.
- De vennootschap kan tevens tot voorwerp hebben de aan -en verkoop, zowel groothandel als detailhandel van allerhande computer hardware en software alsook onderhoud en reparatie hiervan.
- Het ontwerpen, bouwen, commercialiseren, opleiden en onderhouden van informaticaoplossingen.
- Het verstrekken van advies, vorming en beheerbijstand aan personen en organisaties in de privé, publieke en non-profitsectoren. De organisatie van de administratiediensten van de onderneming, evenals het verlenen adviezen van financiële, technische of commerciële aard, in de ruimste zin, bijstand en diensten verlenen, rechtstreeks of onrechtstreeks, op het vlak van administratie en financiën en algemeen bestuur.
- Het waarnemen van alle bestuursopdrachten, het uitoefenen van mandaten en functies welke rechtstreeks of onrechtstreeks met haar maatschappelijk doel verband houden. Alle vormen van management —en consultancyopdrachten en aanverwanten diensten uitoefenen.
- Het verlenen van dienstprestaties van economische aard, zowel als in eigen beheer als in deelname met derden, zoals het verrichten van marktonderzoeken, het opzetten, leiden en controleren van een aan- en verkooporganisatie en in het algemeen alles doen met het oog op een regelmatig management. Alle vormen van consulting en diverse zakelijke dienstverlening.
- Het beheren van beleggingen en van participaties in dochter- en/of moedervennootschappen, het weernemen van bestuursfuncties, het uitoefenen van mandaten en functies welke rechtstreeks of onrechtstreeks met haar maatschappelijk doel verband houden.
- Het optreden als tussenpersoon bij onderhandelingen door gehele of gedeeltelijke overname van aandelen in de meest ruime betekenis. Deze diensten kunnen worden geleverd krachtens contractuele of statutaire benoemingen en in de hoedanigheid van externe raadgever of orgaan van de cliënt.
- Het verstrekken van leningen en voorschotten onder welke vorm of duur, aan alle verbonden ondernemingen of ondernemingen waarin ze een participatie bezit, alsmede het waarborgen van alle verbintenissen van zelfde ondernemingen.
- Het beheer van roerende en onroerende goederen of rechten. Zij mag onder meer onroerende goederen of rechten verwerven, bouwen en vervreemden met oog op wederbelegging en opbrengst. Het huren, verhuren en onderverhuren van gebouwen, plaatsen, magazijnen, ruimte en goederen in de meest ruime zin.
- Dit alles zowel in België als in het buitenland, zowel voor eigen rekening als voor rekening van derden of in deelneming met derden.
- Het beheer en de uitbreiding voor eigen rekening van een patrimonium bestaande uit roerende en onroerende goederen zowel in het binnenland als in het buitenland alsmede alle handelingen die daar rechtstreeks of onrechtstreeks verband mee houden of die van aard zijn de opbrengst van haar goederen te bevorderen, zoals de aankoop en de verkoop, huur en verhuur, de ruiling of in het algemeen de verwerving of de overdracht van goederen zo roerende als onroerende, het onderhoud, de ontwikkeling, de verfraaiing en de verhuring van goederen, met uitzondering van die verrichtingen die verband houden met de normale activiteiten uitgeoefend door vastgoedmakelaars.
- Alle commerciële, industriële, financiële, burgerlijke, roerende en onroerende handelingen of verrichtingen stellen, die haar nuttig voorkomen om rechtstreeks of onrechtstreeks haar voorwerp te realiseren of de realisatie ervan te bevorderen of te vergemakkelijken, voor eigen rekening of voor rekening van derden.
- Bij wijze van inbreng, opslorping, fusie, intekening of op enige andere wijze belangen nemen in alle ondernemingen, verenigingen of vennootschappen met een gelijkaardig of aanverwant voorwerp.
- Zich ten gunste van derden borg stellen of hen aval verlenen, hypothecaire of andere zekerheden verstrekken.
- De functie van bestuurder of zaakvoerder in andere vennootschappen waarnemen, mits naleving van artikel 2:55 WVV.
- Alle handelingen stellen welke niet onder de goedkeuring van de Autoriteit voor Financiële Diensten en Markten (FSMA) valt.
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 11802B2292/00B000 | Flanders | 250 m² | 1 · 114 m² | 14.4 m · 4 |