SVM CONSULTING
ActiveSVM CONSULTING has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €285k and a net result of €-248k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 8584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
2
/ 100
Critical▼ -29 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency4▼-6
Growth32▼-26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.39 against 0.44 in 2024), and 93.4% 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
192122232425
2019 to 2025 · latest year -€248k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 8584 sector peers (2025).
NBB · sector comparisonPosition among 8584 sector peers
Solvency
better than 12%
← weakest
strongest →
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 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
1 d early
2022
1 d early
2021
3 d early
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€285k▼ 46.5%
2024 · €533k
2019: €752k
2021: €388k
2022: €205k
2023: €57k
2024: €533k
2019 → 2025
Total assets
€4.30M▲ 15.9%
2024 · €3.71M
2019: €2.81M
2021: €2.96M
2022: €3.13M
2023: €3.00M
2024: €3.71M
2019 → 2025
Net result
€-248k▼ 954%
2024 · €-24k
2019: €-236k
2021: €-180k
2022: €-183k
2023: €-148k
2024: €-24k
2019 → 2025
Working capital
€-2.12M▼ 43.8%
2024 · €-1.47M
2019: €-745k
2021: €-985k
2022: €-1.57M
2023: €-1.61M
2024: €-1.47M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€388k-€205k▼ 47.1%€57k▼ 72.3%€533k▲ 838%€285k▼ 46.5%
Operating result€-179k-€-186k▼ 4.0%€-153k▲ 17.8%€-33k▲ 78.2%€-257k▼ 668%
Net result€-180k-€-183k▼ 1.6%€-148k▲ 18.9%€-24k▲ 84.1%€-248k▼ 954%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €257k in 2025 against €33k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.30M
Fixed assets
€2.96M▲ 15.6%
Current assets
€1.35M▲ 16.8%
Equity and liabilities €4.30M
Equity
€285k▼ 46.5%
Debt
€4.02M▲ 26.4%
The debt ratio rises from 85.6% to 93.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-7k▼
2024 · €156k
Cash flow
€2k▼
2024 · €166k
Solvency
6.6%▼
2024 · 14.4%
Current ratio
0.39▼
2024 · 0.44
Quick ratio
0.24▼
2024 · 0.24
Debt / equity
14.08▲
2024 · 5.96
ROE
-86.9%▼
2024 · -4.4%
ROA
-5.8%▼
2024 · -0.6%
Interest coverage
-25.86▼
2024 · 473.52
Debt
€4.02M▲
2024 · €3.18M
Debt ≤ 1 year
€3.47M▲
2024 · €2.63M
Debt > 1 year
€550k=
2024 · €550k
Income taxes
€779▼
2024 · €970
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€3.71M€4.30M▲
Fixed assets21/28€2.56M€2.96M▲
Tangible fixed assets22/27€2.56M€2.96M▲
Land and buildings22€2.35M€2.78M▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€208k€177k▼
Current assets29/58€1.15M€1.35M▲
Stocks and contracts in progress3€522k€526k▲
Stocks30/36€522k€526k▲
Amounts receivable within one year40/41€435k€746k▲
Trade receivables40€264k€455k▲
Other amounts receivable41€171k€291k▲
Cash at bank and in hand54/58€169k€37k▼
Deferred charges and accrued income490/1€27k€37k▲
Equity and liabilities
Total equity and liabilities10/49€3.71M€4.30M▲
Equity10/15€533k€285k▼
Contributions10/11€688k€688k=
Reserves13€69k€69k=
Tax-exempt reserves132€50k€50k=
Distributable reserves133€19k€19k=
Profit (loss) carried forward14€-224k€-472k▼
Amounts payable17/49€3.18M€4.02M▲
Amounts payable after more than one year17€550k€550k=
Financial debts170/4€550k€550k=
Amounts payable within one year42/48€2.63M€3.47M▲
Trade debts44€52k€168k▲
Suppliers440/4€52k€168k▲
Taxes, remuneration and social security45€25k€49k▲
Taxes450/3€25k€49k▲
Other amounts payable47/48€2.55M€3.25M▲
Income statement
Code20242025
Non-recurring operating income76A€30k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€189k€250k▲
Other operating charges640/8€11k€22k▲
Gross operating margin9900€167k€15k▼
Operating profit (loss)9901€-33k€-257k▼
Financial income75/76B€11k€10k▼
Recurring financial income75€11k€10k▼
Financial charges65/66B€329€273▼
Recurring financial charges65€329€273▼
Profit (loss) for the period before taxes9903€-23k€-247k▼
Income taxes67/77€970€779▼
Profit (loss) for the period9904€-24k€-248k▼
Profit (loss) for the period to be appropriated9905€-24k€-248k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-224k€-472k▼
Profit (loss) brought forward from the previous period14P€-200k€-224k▼
The notes to these accounts (8 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Weakest financial yearnet €-248k
Net result drops to €-248k, the lowest in the series.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Equity above €500kEq €533k ▲838%
Equity rises from €57k to €533k.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-01
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.
Directors · office · real estate
Directors
2 directors, no change since 2023
HEYLIGEN Eline
CurrentDirector · since 08-12-2023
VANSWARTENBROUCK Stephan
CurrentDirector · since 08-12-2023
08-12-2023
HEYLIGEN Eline: Appointed as Director
08-12-2023
VANSWARTENBROUCK Stephan: Appointed as Director
Location & real-estate footprint
Registered office, Beringen · 1 establishment unit since 1999
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.
Boskantstraat 1033581 BeringenGround area
1,809 m²
Building footprint
420 m²
Volume, LiDAR
2,962 m³
Parcel 71005B0457/00H005, Flanders · tallest building 16.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Boskantstraat 103, 3581 Beringen
since 19992.090.799.168
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71005B0457/00H005 | Flanders | 1,809 m² | 1 · 420 m² | 16.0 m · 2 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
D&D Consulting Services
BE 0829.584.283
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PEOPLE INTENT
BE 0478.567.415
Diest · Eq €285k
MARCHA
BE 0896.572.978
Mortsel · Eq €285k
humind consulting
BE 0756.901.391
Oudergem · Eq €285k
RENDERS MARIA
BE 0474.607.538
Vosselaar · Eq €285k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 38,273 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-02-1999
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.