SGConsulting 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 €34k and a net result of €24k. Equity is shrinking by ~25.9% per year across the filed fiscal years. Its solvency ranks better than 12% of 7994 sector peers (fiscal year 2025). The company has been active since 2019 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
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 7994 sector peers (2025).
NBB · sector comparisonPosition among 7994 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filingsDeviation from the deadline
2025
3 d late
2024
17 d early
2023
28 d early
2022
11 d early
2021
9 d late
2020
8 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€34k▼ 19.7%
2024 · €42k
2020: €139k
2021: €331k
2022: €560k
2023: €42k
2024: €42k
2020 → 2025
Net result
€24k▼ 90.3%
2024 · €243k
2020: €129k
2021: €192k
2022: €229k
2023: €289k
2024: €243k
2020 → 2025
Total assets
€681k▼ 17.1%
2024 · €821k
2020: €202k
2021: €430k
2022: €743k
2023: €771k
2024: €821k
2020 → 2025
Solvency
5.0%▼ 0.2pp
2024 · 5.1%
2020: 68.8%
2021: 77.1%
2022: 75.4%
2023: 5.5%
2024: 5.1%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€331k-€560k▲ 69.2%€42k▼ 92.5%€42k=€34k▼ 19.7%
Operating result€242k-€280k▲ 15.5%€387k▲ 38.3%€322k▼ 16.7%€141k▼ 56.2%
Net result€192k-€229k▲ 19.4%€289k▲ 26.1%€243k▼ 15.8%€24k▼ 90.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 56% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €681k
Fixed assets
€8k▼ 92.7%
Current assets
€674k▼ 6.1%
Equity and liabilities €681k
Equity
€34k▼ 19.7%
Debt
€648k▼ 16.9%
The debt ratio rises from 94.9% to 95.0%. Equity and debt are lower.
Key figures and ratios
Solvency
5.0%▼
2024 · 5.1%
ROE
70.3%▼
2024 · 579.4%
ROA
3.5%▼
2024 · 29.6%
Debt
€648k▼
2024 · €779k
Debt ≤ 1 year
€648k▼
2024 · €778k
Income taxes
€34k▼
2024 · €79k
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€821k€681k▼
Fixed assets21/28€104k€8k▼
Tangible fixed assets22/27€20k€8k▼
Plant, machinery and equipment23€2k€672▼
Furniture and vehicles24€19k€7k▼
Financial fixed assets28€83k€0▼
Current assets29/58€718k€674k▼
Amounts receivable after more than one year29€10k€95k▲
Other amounts receivable291€10k€95k▲
Amounts receivable within one year40/41€51k€28k▼
Trade receivables40€25k€0▼
Other amounts receivable41€26k€28k▲
Cash at bank and in hand54/58€650k€547k▼
Deferred charges and accrued income490/1€6k€4k▼
Equity and liabilities
Total equity and liabilities10/49€821k€681k▼
Equity10/15€42k€34k▼
Contributions10/11€10k€10k=
Reserves13€32k€0▼
Distributable reserves133€32k€0▼
Profit (loss) carried forward14€0€24k▲
Amounts payable17/49€779k€648k▼
Amounts payable within one year42/48€778k€648k▼
Financial debts43€281€499▲
Credit institutions430/8€281€0▼
Other loans439-€499
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€52k€15k▼
Taxes450/3€52k€15k▼
Other amounts payable47/48€724k€630k▼
Accrued charges and deferred income492/3€2k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€13k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€10k
Other operating charges640/8€1k€590▼
Gross operating margin9900€336k€164k▼
Operating profit (loss)9901€322k€141k▼
Financial income75/76B€94€404▲
Recurring financial income75€94€404▲
Financial charges65/66B€178€84k▲
Recurring financial charges65€178€200▲
Non-recurring financial charges66B-€83k
Profit (loss) for the period before taxes9903€322k€58k▼
Income taxes67/77€79k€34k▼
Profit (loss) for the period9904€243k€24k▼
Profit (loss) for the period to be appropriated9905€243k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€243k€24k▼
Transfer from equity791/2€0€32k▲
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€243k€32k▼
Return on contributions (dividend)694€243k€32k▼
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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
31-12
Financial
Weakest financial yearnet €24k ▼90.3%
Net result drops to €24k, the lowest in the series.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2020net €289k ▲26.1%
Operating result €387k, net result €289k, both a record.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €500kEq €560k ▲69.2%
3 profitable years in a row build equity to €560k.
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
31-12
Financial
Equity above €200kEq €331k ▲138%
2 profitable years in a row build equity to €331k.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Diest · 1 establishment unit since 2019
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.
Bosstraat 283294 DiestGround area
2,136 m²
Building footprint
258 m²
Volume, LiDAR
1,025 m³
Parcel 24073H0119/00Z002, Flanders · tallest building 6.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SGConsulting
since 20192.294.622.397
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24073H0119/00Z002 | Flanders | 2,136 m² | 1 · 258 m² | 6.6 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 24,725 companies in sector 64210 we hold annual accounts for 19,754. 9,138 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-10-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
66300Activities auxiliary to financial services and insurance activities
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.