SURFACE CONSULT
ActiveSummary
SURFACE 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 negative equity (-€214) and a net result of -€26. Equity is growing by ~15.2% per year across the filed fiscal years. Its solvency ranks better than 7% of 8074 sector peers (fiscal year 2025). The company has been active since 2005 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
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 8074 sector peers (2025).
NBB · sector comparisonPosition among 8074 sector peers
Solvency
better than 7%
← 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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
1 d early
2023
29 d late
2022
31 d late
2021
31 d late
2020
30 d late
2019
28 d late
← 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 19 days after 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#2 oldest company in Holsbeek, Finance and insurance sector
Equity
-€214▼ 14.0%
2024 · -€188
Net result
-€26▲ 98.5%
2024 · -€1,775
Total assets
€3,708▲ 10.7%
2024 · €3,350
Solvency
-5.8%▼ 0.2pp
2024 · -5.6%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€2,095▼ 128%€1,899€63,616▲ 3,250%-€1,466-€88▲ 94.0%
Net result-€2,095▼ 117%€1,895€63,491▲ 3,250%-€1,775-€26▲ 98.5%
Equity-€63,798▼ 3.4%-€61,903▲ 3.0%€1,588-€188-€214▼ 14.0%
Total assets€580=€4,686▲ 708%€13,175▲ 181%€3,350▼ 74.6%€3,708▲ 10.7%
Debt€64,378▲ 3.4%€66,590▲ 3.4%€11,587▼ 82.6%€3,538▼ 69.5%€3,923▲ 10.9%
Working capital-€62,483€1,008-€188-€214▼ 14.0%
Solvency-10999.7%▼ 361.2pp-1320.9%▲ 9678.8pp12.0%▲ 1332.9pp-5.6%▼ 17.7pp-5.8%▼ 0.2pp
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 stays negative: a loss of €88 in 2025 against €1,466 in 2024; the loss shrinks.
Key figures and ratios
Debt ≤ 1 year
€3,923▲
2024 · €3,538
Ratios withheld: a balance sheet total of €3,708 is too small for a meaningful ratio.
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 |
|---|---|---|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | - | - | - | €886 | €88 | ▼ 90.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | €0 | - | - |
| Other operating charges640/8 | - | - | €384 | €580 | €0 | ▼ 100% |
| Gross operating margin9900 | -€2,095 | €1,899 | €64,000 | -€886 | -€88 | ▲ 90.1% |
| Operating profit (loss)9901 | -€2,095 | €1,899 | €63,616 | -€1,466 | -€88 | ▲ 94.0% |
| Financial income75/76B | - | - | - | - | €166 | - |
| Recurring financial income75 | - | - | - | - | €166 | - |
| Financial charges65/66B | - | €3 | €125 | €309 | €104 | ▼ 66.2% |
| Recurring financial charges65 | - | €3 | €125 | €309 | €104 | ▼ 66.2% |
| Profit (loss) for the period before taxes9903 | -€2,095 | €1,895 | €63,491 | -€1,775 | -€26 | ▲ 98.5% |
| Profit (loss) for the period9904 | -€2,095 | €1,895 | €63,491 | -€1,775 | -€26 | ▲ 98.5% |
| Profit (loss) for the period to be appropriated9905 | -€2,095 | €1,895 | €63,491 | -€1,775 | -€26 | ▲ 98.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €580 | €4,686 | €13,175 | €3,350 | €3,708 | ▲ 10.7% |
| Fixed assets21/28 | €580 | €580 | €580 | €0 | €0 | - |
| Financial fixed assets28 | €580 | €580 | €580 | €0 | €0 | - |
| Current assets29/58 | - | €4,106 | €12,595 | €3,350 | €3,708 | ▲ 10.7% |
| Amounts receivable within one year40/41 | - | €4,106 | €9,106 | - | - | - |
| Trade receivables40 | - | €4,106 | €4,106 | - | - | - |
| Other amounts receivable41 | - | - | €5,000 | - | - | - |
| Cash at bank and in hand54/58 | - | - | €3,488 | €3,350 | €3,708 | ▲ 10.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €580 | €4,686 | €13,175 | €3,350 | €3,708 | ▲ 10.7% |
| Equity10/15 | -€63,798 | -€61,903 | €1,588 | -€188 | -€214 | ▼ 14.0% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €17,580 | €17,580 | €17,580 | €17,580 | €17,580 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €15,720 | €15,720 | €15,720 | €15,720 | €15,720 | = |
| Profit (loss) carried forward14 | -€87,579 | -€85,684 | -€22,193 | -€23,968 | -€23,995 | ▼ 0.1% |
| Amounts payable17/49 | €64,378 | €66,590 | €11,587 | €3,538 | €3,923 | ▲ 10.9% |
| Amounts payable within one year42/48 | €64,378 | €66,590 | €11,587 | €3,538 | €3,923 | ▲ 10.9% |
| Trade debts44 | €1,895 | €4,106 | €4,106 | - | - | - |
| Suppliers440/4 | €1,895 | €4,106 | €4,106 | - | - | - |
| Taxes, remuneration and social security45 | - | - | - | €671 | €671 | = |
| Taxes450/3 | - | - | - | €671 | €671 | = |
| Other amounts payable47/48 | €62,483 | €62,483 | €7,481 | €2,868 | €3,252 | ▲ 13.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,095 | €1,895 | €63,491 | -€1,775 | -€26 | ▲ 98.5% |
| + Depreciation and write-downs630 | - | - | - | €0 | - | - |
| Operating cash flow (approximation) | -€2,095 | €1,895 | €63,491 | -€1,775 | -€26 | ▲ 98.5% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €580 | €0 | ▼ 100% |
| Change in cash | - | - | - | -€138 | €358 | ▲ 359% |
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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Highest result since 2018net €63,491 ▲3,250%
Operating result €63,616, net result €63,491, both a record.
31-12
Financial
Liquidity times 18current ratio 1.09
Current ratio from 0.06 to 1.09; short-term debt falls from €66,590 to €11,587.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €1,895
Net result €1,895 after 4 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet -€2,095
Net result drops to -€2,095, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-06
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.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Holsbeek · 1 establishment unit since 2006
Ground area
1,245 m²
Building footprint
343 m²
Volume, LiDAR
1,822 m³
Parcel 24056D0103/00F000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Surface Consult
since 20062.152.159.883
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24056D0103/00F000 | Flanders | 1,245 m² | 1 · 343 m² | 8.2 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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Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 1,330 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded28-11-2005
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68203Renting and operating of own or leased non-residential real estate, excluding land
68310Real estate agency activities
69209Other tax advisory services
82100Office administrative and support services
Contact
Phone
016/623980Holsbeek
E-invoicing
Reachable via Peppol
Peppol ID
0208:0877690048
Also
9925:BE0877690048
Registered
08-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.