SARO-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 equity of €415k and a net result of €46k. Equity is growing by ~9.5% per year across the filed fiscal years. Its solvency ranks better than 74% of 7980 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
7 d early
2023
8 d early
2022
4 d late
2021
1 d early
2020
2 d late
2019
on the day
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€415k▲ 12.3%
2024 · €370k
2018: €233k
2019: €269k
2020: €246k
2021: €264k
2022: €292k
2023: €330k
2024: €370k
2018 → 2025
Net result
€46k▲ 14.2%
2024 · €40k
2018: €57k
2019: €36k
2020: €15k
2021: €17k
2022: €28k
2023: €38k
2024: €40k
2018 → 2025
Total assets
€539k▲ 12.8%
2024 · €478k
2018: €396k
2019: €413k
2020: €450k
2021: €369k
2022: €388k
2023: €424k
2024: €478k
2018 → 2025
Solvency
77.0%▼ 0.3pp
2024 · 77.3%
2018: 58.8%
2019: 65.0%
2020: 54.8%
2021: 71.4%
2022: 75.2%
2023: 77.8%
2024: 77.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€264k-€292k▲ 10.8%€330k▲ 13.0%€370k▲ 12.1%€415k▲ 12.3%
Operating result€47k-€61k▲ 31.8%€56k▼ 8.9%€61k▲ 8.4%€69k▲ 13.1%
Net result€17k-€28k▲ 65.1%€38k▲ 33.4%€40k▲ 5.6%€46k▲ 14.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 13% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €539k
Fixed assets
€105k▼ 4.5%
Current assets
€434k▲ 18.0%
Equity and liabilities €539k
Equity
€415k▲ 12.3%
Debt
€124k▲ 14.4%
The debt ratio rises from 22.7% to 23.0%. Equity and debt are higher.
Key figures and ratios
Solvency
77.0%▼
2024 · 77.3%
ROE
11.0%▲
2024 · 10.8%
ROA
8.5%▲
2024 · 8.4%
Debt
€124k▲
2024 · €108k
Debt ≤ 1 year
€120k▲
2024 · €108k
Income taxes
€18k▲
2024 · €18k
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€478k€539k▲
Fixed assets21/28€110k€105k▼
Tangible fixed assets22/27€110k€105k▼
Land and buildings22€102k€99k▼
Plant, machinery and equipment23€8k€6k▼
Current assets29/58€368k€434k▲
Amounts receivable within one year40/41€48k€47k▼
Trade receivables40€47k€47k▼
Other amounts receivable41€236€1▼
Cash at bank and in hand54/58€320k€387k▲
Deferred charges and accrued income490/1€549€0▼
Equity and liabilities
Total equity and liabilities10/49€478k€539k▲
Equity10/15€370k€415k▲
Contributions10/11€6k€6k=
Reserves13€364k€409k▲
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€362k€409k▲
Profit (loss) carried forward14€129€0▼
Amounts payable17/49€108k€124k▲
Amounts payable within one year42/48€108k€120k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€2k€20k▲
Suppliers440/4€2k€20k▲
Taxes, remuneration and social security45€19k€23k▲
Taxes450/3€17k€20k▲
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€87k€77k▼
Accrued charges and deferred income492/3-€4k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€2k€2k▼
Gross operating margin9900€67k€75k▲
Operating profit (loss)9901€61k€69k▲
Financial income75/76B€4k€2k▼
Recurring financial income75€4k€2k▼
Financial charges65/66B€6k€7k▲
Recurring financial charges65€6k€7k▲
Profit (loss) for the period before taxes9903€58k€64k▲
Income taxes67/77€18k€18k▲
Profit (loss) for the period9904€40k€46k▲
Profit (loss) for the period to be appropriated9905€40k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€40k€46k▲
Profit (loss) brought forward from the previous period14P€129€129=
Transfer to equity691/2€40k€46k▲
To other reserves6921€40k€46k▲
Profit to be distributed694/7-€129
Return on contributions (dividend)694-€129
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2022
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
2020
31-12
Financial
Weakest financial yearnet €15k ▼58.6%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 2 days late
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Oostkamp · 1 establishment unit since 2011
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.
Vijverslaan 298020 OostkampGround area
345 m²
Building footprint
106 m²
Volume, LiDAR
576 m³
Parcel 31037B0154/00M000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SARO CONSULT
since 20112.202.859.409
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31037B0154/00M000 | Flanders | 345 m² | 1 · 106 m² | 8.8 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 156 EUR awarded · 156 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 156 EUR | 156 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,716 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-09-2011
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.