S.F. CONSULTING
ActiveSummary
S.F. CONSULTING has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €66k and a net result of €70k. Equity is growing by ~59.6% per year across the filed fiscal years. Its solvency ranks better than 35% of 37956 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+73
Solvency66▲+27
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days only on tighter terms
Liquidity ample (current ratio 1.96 against 1.23 in 2023; short-term debt: 43.7% and cash: 0.1% of total assets), but 59.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-03-2026, 237 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
237 d late
2023
127 d late
2022
101 d late
2021
39 d early
2020
90 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€66k▲ 320%
2023 · €16k
2020: €3k
2021: €27k
2022: €30k
2023: €16k
2020 → 2024
Total assets
€163k▲ 48.9%
2023 · €109k
2020: €9k
2021: €96k
2022: €75k
2023: €109k
2020 → 2024
Net result
€70k
2023 · €-5k
2020: €8k
2021: €64k
2022: €26k
2023: €-5k
2020 → 2024
Working capital
€68k▲ 243%
2023 · €20k
2020: €4k
2021: €28k
2022: €34k
2023: €20k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€3k-€27k▲ 781%€30k▲ 13.6%€16k▼ 48.4%€66k▲ 320%
Operating result€9k-€72k▲ 674%€29k▼ 59.7%€-6k€89k
Net result€8k-€64k▲ 693%€26k▼ 59.0%€-5k€70k
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 2024: €89k after a loss of €6k in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €163k
Fixed assets
€23k ▲ 1,456%
Current assets
€140k ▲ 29.5%
Equity and liabilities €163k
Equity
€66k ▲ 320%
Debt
€97k ▲ 3.3%
Debt's share of the balance-sheet total falls from 85.6% to 59.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€99k
Cash flow
€80k
Current ratio
1.96▲
2023 · 1.23
Quick ratio
1.89▲
2023 · 1.23
Debt to equity
1.46▼
2023 · 5.96
ROE
106.5%▲
2023 · -29.9%
ROA
43.2%▲
2023 · -4.3%
Interest coverage
46.90
Debt ≤ 1 year
€71k▼
2023 · €88k
Debt > 1 year
€20k
Income taxes
€22k
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 · 2024 against 2023 · 47 lines
Balance sheet
Code20232024
Assets
Total assets20/58€109k€163k▲
Fixed assets21/28€1k€23k▲
Tangible fixed assets22/27€1k€23k▲
Furniture and vehicles24€1k€23k▲
Current assets29/58€108k€140k▲
Amounts receivable after more than one year29€50k€50k=
Other amounts receivable291€50k€50k=
Stocks and contracts in progress3-€6k
Stocks30/36-€6k
Amounts receivable within one year40/41€45k€84k▲
Trade receivables40€42k€2k▼
Other amounts receivable41€3k€82k▲
Cash at bank and in hand54/58€8k€184▼
Deferred charges and accrued income490/1€5k-
Equity and liabilities
Total equity and liabilities10/49€109k€163k▲
Equity10/15€16k€66k▲
Contributions10/11€2k€2k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€13k€63k▲
Amounts payable17/49€93k€97k▲
Amounts payable after more than one year17-€20k
Financial debts170/4-€20k
Amounts payable within one year42/48€88k€71k▼
Current portion of amounts payable after more than one year42-€6k
Trade debts44€50k€3k▼
Suppliers440/4€50k€3k▼
Taxes, remuneration and social security45€26k€42k▲
Taxes450/3€26k€42k▲
Other amounts payable47/48€11k€20k▲
Accrued charges and deferred income492/3€6k€6k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€10k
Other operating charges640/8€5k€6k▲
Gross operating margin9900€-953€105k▲
Operating profit (loss)9901€-6k€89k▲
Financial income75/76B€1k€5k▲
Recurring financial income75€1k€5k▲
Financial charges65/66B-€2k
Recurring financial charges65-€2k
Profit (loss) for the period before taxes9903€-5k€92k▲
Income taxes67/77-€22k
Profit (loss) for the period9904€-5k€70k▲
Profit (loss) for the period to be appropriated9905€-5k€70k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€83k▲
Profit (loss) brought forward from the previous period14P€27k€13k▼
Profit to be distributed694/7€10k€20k▲
Directors or managers695€10k€20k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
25-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 237 days late
2024
31-12
Financial
Back to profitnet €70k
Net result €70k after one loss-making year.
05-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 127 days late
2023
31-12
Financial
Weakest financial yearnet €-5k ▼118%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
09-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 101 days late
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Edegem · 1 establishment unit since 2020
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.
Jozef de Veusterstraat 1322650 EdegemGround area
402 m²
Building footprint
129 m²
Volume, LiDAR
672 m³
Parcel 11013A0304/00A003, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Jozef de Veusterstraat 132, 2650 Edegem
since 20202.306.505.392
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11013A0304/00A003 | Flanders | 402 m² | 1 · 129 m² | 9.3 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
NETFIN
BE 0869.887.189
Schaarbeek · Eq €65,939
COUNSELING L'HIBOU
BE 1002.701.866
Oud-Turnhout · Eq €65,947
KNG - Tech
BE 0755.569.424
Manage · Eq €65,924
Lindra
BE 0694.810.208
Leuven · Eq €65,921
MV-Consult
BE 0805.125.932
Aalter · Eq €65,921
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 39,417 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
Founded10-08-2020
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.