Tamara Severi Consult
ActiveTamara Severi Consult has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.54M and a net result of €317k. Equity is growing by ~15.4% per year across the filed fiscal years. Its solvency ranks better than 53% of 7694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+9
Solvency80▲+2
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity ample (current ratio 4.19 against 4.86 in 2024; short-term debt: 11.4% and cash: 0.2% of total assets), and 45% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
55%
Return on assets
11.3%
Age of the figures
15 mo
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 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
1 d early
2023
27 d early
2022
on the day
2021
1 d late
2020
2 d early
2019
53 d early
← 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 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.54M▲ 5.8%
2024 · €1.46M
2019: €593k
2020: €769k
2021: €916k
2022: €1.13M
2023: €1.42M
2024: €1.46M
2019 → 2025
Total assets
€2.81M▲ 2.5%
2024 · €2.74M
2019: €1.02M
2020: €1.06M
2021: €1.71M
2022: €2.11M
2023: €2.46M
2024: €2.74M
2019 → 2025
Net result
€317k▲ 201%
2024 · €105k
2019: €232k
2020: €176k
2021: €133k
2022: €281k
2023: €347k
2024: €105k
2019 → 2025
Working capital
€1.03M▲ 2.3%
2024 · €1.00M
2019: €469k
2020: €629k
2021: €685k
2022: €807k
2023: €1.04M
2024: €1.00M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€916k-€1.13M▲ 22.8%€1.42M▲ 26.4%€1.46M▲ 2.7%€1.54M▲ 5.8%
Operating result€242k-€422k▲ 73.9%€515k▲ 22.0%€170k▼ 66.9%€460k▲ 170%
Net result€133k-€281k▲ 112%€347k▲ 23.4%€105k▼ 69.7%€317k▲ 201%
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 recovers in 2025; 2025 is 170% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.81M
Fixed assets
€1.46M▼ 1.1%
Current assets
€1.35M▲ 6.7%
Equity and liabilities €2.81M
Equity
€1.54M▲ 5.8%
Debt
€1.27M▼ 1.3%
The debt ratio falls from 46.8% to 45.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€531k▲
2024 · €211k
Cash flow
€388k▲
2024 · €146k
Solvency
55.0%▲
2024 · 53.2%
Current ratio
4.19▼
2024 · 4.86
Quick ratio
4.19▼
2024 · 4.86
Debt / equity
0.82▼
2024 · 0.88
ROE
20.5%▲
2024 · 7.2%
ROA
11.3%▲
2024 · 3.8%
Interest coverage
24.34▲
2024 · 7.72
Debt
€1.27M▼
2024 · €1.28M
Debt ≤ 1 year
€321k▲
2024 · €259k
Debt > 1 year
€944k▼
2024 · €1.02M
Income taxes
€140k▲
2024 · €58k
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€2.74M€2.81M▲
Fixed assets21/28€1.48M€1.46M▼
Tangible fixed assets22/27€1.40M€1.39M▼
Land and buildings22€1.34M€1.28M▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€43k€48k▲
Other tangible fixed assets26€22k€59k▲
Assets under construction and advance payments27€0-
Financial fixed assets28€78k€78k=
Current assets29/58€1.26M€1.35M▲
Amounts receivable after more than one year29€2k€2k=
Other amounts receivable291€2k€2k=
Amounts receivable within one year40/41€888k€975k▲
Trade receivables40€359k€651k▲
Other amounts receivable41€529k€324k▼
Current investments50/53€361k€361k=
Cash at bank and in hand54/58€6k€6k▲
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€2.74M€2.81M▲
Equity10/15€1.46M€1.54M▲
Contributions10/11€19k€19k=
Reserves13€1.23M€1.03M▼
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Tax-exempt reserves132-€32k
Distributable reserves133€1.23M€998k▼
Profit (loss) carried forward14€212k€497k▲
Amounts payable17/49€1.28M€1.27M▼
Amounts payable after more than one year17€1.02M€944k▼
Financial debts170/4€1.02M€944k▼
Amounts payable within one year42/48€259k€321k▲
Current portion of amounts payable after more than one year42€130k€97k▼
Financial debts43€40k€0▼
Credit institutions430/8€40k€0▼
Trade debts44€36k€38k▲
Suppliers440/4€36k€38k▲
Taxes, remuneration and social security45€54k€119k▲
Taxes450/3€54k€119k▲
Other amounts payable47/48€0€67k▲
Accrued charges and deferred income492/3€2k€900▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€71k▲
Other operating charges640/8€5k€6k▲
Gross operating margin9900€216k€538k▲
Operating profit (loss)9901€170k€460k▲
Financial income75/76B€20k€18k▼
Recurring financial income75€20k€18k▼
Financial charges65/66B€27k€22k▼
Recurring financial charges65€27k€22k▼
Profit (loss) for the period before taxes9903€163k€457k▲
Income taxes67/77€58k€140k▲
Profit (loss) for the period9904€105k€317k▲
Transfer to tax-exempt reserves689-€32k
Profit (loss) for the period to be appropriated9905€105k€285k▲
Appropriation of the result
Profit (loss) to be appropriated9906€317k€497k▲
Profit (loss) brought forward from the previous period14P€212k€212k▲
Transfer from equity791/2€67k€234k▲
Transfer to equity691/2€105k€2k▼
To other reserves6921€105k€2k▼
Profit to be distributed694/7€67k€232k▲
Return on contributions (dividend)694€67k€232k▲
Directors or managers695€0-
The notes to these accounts (11 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 · micro schema
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Weakest financial yearnet €105k ▼69.7%
Net result drops to €105k, the lowest in the series; recovery starts the following year.
04-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Highest result since 2019net €347k ▲23.4%
Operating result €515k, net result €347k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Equity above €1MEq €1.13M ▲22.8%
4 profitable years in a row build equity to €1.13M.
01-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Liquidity triplescurrent ratio 10.55
Current ratio from 3.67 to 10.55; short-term debt falls from €175k to €66k.
2019
09-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
20-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
04-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
21-12
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 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, Hove · 1 establishment unit since 2014
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.
Oudstrijdersstraat 112540 HoveGround area
1.8 ha
Building footprint
688 m²
Volume, LiDAR
7,309 m³
Parcel 11021A0147/00H000, Flanders · tallest building 14.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Tamara Severi Consult
since 20142.232.373.242
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11021A0147/00H000 | Flanders | 1.8 ha | 1 · 688 m² | 14.7 m · 4 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 555 EUR awarded · 555 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 555 EUR | 555 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
254900ENOUV9OW7P6360
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Of 11,216 companies in sector 82100 we hold annual accounts for 3,512. 1,243 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-06-2014
Fiscal year end30-06
Activities, NACEBEL
82100Office administrative and support services
82110Office administrative, office support and other business support activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.