STH CONSULTING
ActiveSummary
STH CONSULTING has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €50k and a net result of €66. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 61% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▲+6
Solvency92▼-4
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.84 against 3.49 in 2024; short-term debt: 33% and cash: 6.6% of total assets), and 33.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
313 d late
2023
on the day
2022
9 d late
2021
148 d late
2020
85 d early
2019
22 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€50k▲ 0.1%
2024 · €50k
2019: €54k
2020: €54k
2021: €54k
2022: €54k
2023: €53k
2024: €50k
2019 → 2025
Total assets
€75k▲ 7.0%
2024 · €70k
2019: €103k
2020: €164k
2021: €146k
2022: €118k
2023: €100k
2024: €70k
2019 → 2025
Net result
€66
2024 · €-4k
2019: €-4k
2020: €240
2021: €-191
2022: €81
2023: €-467
2024: €-4k
2019 → 2025
Working capital
€45k▼ 6.8%
2024 · €49k
2019: €30k
2020: €90k
2021: €63k
2022: €55k
2023: €51k
2024: €49k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€54k-€54k▲ 0.2%€53k▼ 0.9%€50k▼ 6.9%€50k▲ 0.1%
Operating result€3k-€4k▲ 18.1%€4k▲ 17.4%€9k▲ 111%€12k▲ 32.8%
Net result€-191-€81€-467€-4k▼ 691%€66
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 33% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €75k
Fixed assets
€5k ▲ 198%
Current assets
€70k ▲ 2.6%
Equity and liabilities €75k
Equity
€50k ▲ 0.1%
Debt
€25k ▲ 24.2%
Debt's share of the balance-sheet total rises from 28.7% to 33.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€13k▲
2024 · €10k
Cash flow
€1k▲
2024 · €-3k
Current ratio
2.84▼
2024 · 3.49
Debt to equity
0.50▲
2024 · 0.40
ROE
0.1%▲
2024 · -7.4%
ROA
0.1%▲
2024 · -5.3%
Interest coverage
1.10▼
2024 · 1.23
Debt ≤ 1 year
€25k▲
2024 · €20k
Income taxes
€500▼
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€70k€75k▲
Fixed assets21/28€2k€5k▲
Tangible fixed assets22/27€2k€5k▲
Furniture and vehicles24€2k€2k▲
Other tangible fixed assets26-€3k
Current assets29/58€68k€70k▲
Amounts receivable within one year40/41€66k€65k▼
Trade receivables40€32k€27k▼
Other amounts receivable41€35k€38k▲
Cash at bank and in hand54/58€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€70k€75k▲
Equity10/15€50k€50k▲
Contributions10/11€30k€30k=
Reserves13€14k€14k=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Tax-exempt reserves132€800€800=
Distributable reserves133€10k€10k=
Profit (loss) carried forward14€6k€6k▲
Amounts payable17/49€20k€25k▲
Amounts payable within one year42/48€20k€25k▲
Financial debts43€14k€3k▼
Credit institutions430/8€14k€3k▼
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€4k€8k▲
Taxes450/3€4k€8k▲
Other amounts payable47/48-€12k
Accrued charges and deferred income492/3€465€258▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€472€995▲
Other operating charges640/8€755€296▼
Gross operating margin9900€11k€14k▲
Operating profit (loss)9901€9k€12k▲
Financial income75/76B€1€402▲
Recurring financial income75€1€402▲
Financial charges65/66B€8k€12k▲
Recurring financial charges65€8k€12k▲
Profit (loss) for the period before taxes9903€1k€566▼
Income taxes67/77€5k€500▼
Profit (loss) for the period9904€-4k€66▲
Profit (loss) for the period to be appropriated9905€-4k€66▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€6k▲
Profit (loss) brought forward from the previous period14P€10k€6k▼
The notes to these accounts (5 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
09-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 313 days late
31-03
Financial
Back to profitnet €66
Net result €66 after 2 loss-making years.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
09-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
31-03
Financial
Back to profitnet €81
Net result €81 after one loss-making year.
28-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 148 days late
2020
07-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Back to profitnet €240
Net result €240 after one loss-making year.
2019
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
20-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 50 days late
2016
30-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Flémalle
Ground area
1,894 m²
Building footprint
109 m²
Volume, LiDAR
832 m³
Parcel 62072B0742/00V000, Wallonia · tallest building 8.9 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62072B0742/00V000 | Wallonia | 1,894 m² | 1 · 108 m² | 8.9 m · 3 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
Maqis Consult
BE 0543.315.311
Dilbeek · Eq €49,816
GO COMPTAX
BE 0800.963.741
Sint-Joost-ten-Node · Eq €49,905
SVC Tax and Consultants
BE 0647.708.095
Andenne · Eq €49,813
FYNADVICE Consult
BE 0798.984.842
Beersel · Eq €49,930
HARTHE
BE 0454.628.409
Ottignies-Louvain-la-Neuve · Eq €49,766
Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 5,936 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-08-2002
Fiscal year end31-03
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:lucsauvage@sthconsulting.be