SVDG CONSULT
ActiveSVDG CONSULT has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29k and a net result of €8k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 38% of 31545 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
89
/ 100
Excellent▲ +52 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency69▲+6
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.26 against 1.5 in 2024), and 59% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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
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
41%
Return on assets
11.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
54 d late
2023
28 d late
2022
30 d late
2021
25 d late
2020
25 d late
2019
74 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€29k▲ 37.9%
2024 · €21k
2018: €20k
2019: €35k
2020: €61k
2021: €70k
2022: €72k
2023: €59k
2024: €21k
2018 → 2025
Total assets
€71k▲ 10.6%
2024 · €64k
2018: €55k
2019: €48k
2020: €101k
2021: €112k
2022: €118k
2023: €112k
2024: €64k
2018 → 2025
Net result
€8k
2024 · €-33k
2018: €14k
2019: €15k
2020: €27k
2021: €9k
2022: €2k
2023: €-12k
2024: €-33k
2018 → 2025
Working capital
€9k▼ 45.2%
2024 · €16k
2018: €7k
2019: €16k
2020: €30k
2021: €49k
2022: €54k
2023: €45k
2024: €16k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€70k-€72k▲ 2.4%€59k▼ 17.2%€21k▼ 64.7%€29k▲ 37.9%
Operating result€14k-€4k▼ 73.5%€-12k€-33k▼ 182%€9k
Net result€9k-€2k▼ 80.8%€-12k€-33k▼ 170%€8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €9k after a loss of €33k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €71k
Fixed assets
€29k▲ 77.8%
Current assets
€42k▼ 12.5%
Equity and liabilities €71k
Equity
€29k▲ 37.9%
Debt
€42k▼ 2.7%
The debt ratio falls from 67.1% to 59.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€19k▲
2024 · €-22k
Cash flow
€17k▲
2024 · €-23k
Solvency
41.0%▲
2024 · 32.9%
Current ratio
1.26▼
2024 · 1.50
Quick ratio
1.26▼
2024 · 1.50
Debt / equity
1.44▼
2024 · 2.04
ROE
27.5%▲
2024 · -159.2%
ROA
11.2%▲
2024 · -52.3%
Interest coverage
45.53▲
2024 · -35.33
Debt
€42k▼
2024 · €43k
Debt ≤ 1 year
€33k▲
2024 · €32k
Income taxes
€1k▲
2024 · €216
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€64k€71k▲
Fixed assets21/28€16k€29k▲
Tangible fixed assets22/27€16k€29k▲
Furniture and vehicles24€6k€18k▲
Other tangible fixed assets26€11k€11k▲
Current assets29/58€48k€42k▼
Amounts receivable within one year40/41€14k€16k▲
Trade receivables40€8k€10k▲
Other amounts receivable41€6k€6k▼
Cash at bank and in hand54/58€32k€24k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€64k€71k▲
Equity10/15€21k€29k▲
Contributions10/11€12k€12k=
Reserves13€50k€56k▲
Distributable reserves133€50k€56k▲
Profit (loss) carried forward14€-41k€-39k▲
Amounts payable17/49€43k€42k▼
Amounts payable within one year42/48€32k€33k▲
Financial debts43€2k€3k▲
Credit institutions430/8€2k€3k▲
Trade debts44€9k€10k▲
Suppliers440/4€9k€10k▲
Taxes, remuneration and social security45€7k€2k▼
Taxes450/3€7k€2k▼
Other amounts payable47/48€14k€18k▲
Accrued charges and deferred income492/3€11k€9k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€9k▼
Other operating charges640/8€503€523▲
Gross operating margin9900€-22k€19k▲
Operating profit (loss)9901€-33k€9k▲
Financial income75/76B€272€1▼
Recurring financial income75€272€1▼
Financial charges65/66B€625€407▼
Recurring financial charges65€625€407▼
Profit (loss) for the period before taxes9903€-33k€9k▲
Income taxes67/77€216€1k▲
Profit (loss) for the period9904€-33k€8k▲
Profit (loss) for the period to be appropriated9905€-33k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-41k€-33k▲
Profit (loss) brought forward from the previous period14P€-8k€-41k▼
Transfer from equity791/2€5k€2k▼
Transfer to equity691/2-€8k
To other reserves6921-€8k
Profit to be distributed694/7€5k-
Return on contributions (dividend)694€5k-
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
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 54 days late
2024
31-12
Financial
Weakest financial yearnet €-33k
Net result drops to €-33k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Highest result since 2018net €27k ▲77%
Operating result €37k, net result €27k, both a record.
18-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 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, Plombières · 1 establishment unit since 2013
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.
Place communale 304850 PlombièresGround area
218 m²
Building footprint
106 m²
Volume, LiDAR
303 m³
Parcel 63053A0636/00G000, Wallonia · tallest building 8.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SVDG CONSULT
since 20132.219.938.832
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63053A0636/00G000 | Wallonia | 218 m² | 1 · 106 m² | 8.6 m · 1 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.
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 34,074 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-06-2013
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.