Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 39 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
S & P Consult from Berlaar, company number BE0538755717, closed financial year 2025 with a result of € 8,789 after tax. For that financial year S & P Consult recorded a gross margin of € 31,524 and equity of € -22,313. Compared with financial year 2024, the result moved from € 20,244 to € 8,789. The company is profitable. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on January 29, 2026.
€ -22,313
▲ € 8,789 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 8,789
▼ 57% vs 2024
Profit after tax over the fiscal year.
€ 18,271
▼ 93% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -28,513.
People and assets in 2025
€ 594
▼ 45% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 284,727
▼ 4% vs 2024
€ 11,726 is repaid this year. At this pace the long-term loan is gone in ≈ 24 years.
€ 3,690
▼ 15% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 3,134
▼ 18% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -31,665 | € 15,696 | € 27,218 | € 31,524 | ▲ 16% |
| Profit after taxes | € -36,747 | € 11,065 | € 20,244 | € 8,789 | ▼ 57% |
| Equity | € -62,411 | € -51,346 | € -31,102 | € -22,313 | ▲ € 8,789 |
| Total debts | € 94,947 | € 70,592 | € 433,877 | € 422,888 | ▼ 3% |
| Cash | € 16,546 | € 5,936 | € 271,242 | € 18,271 | ▼ 93% |
| Land & buildings | - | - | € 108,697 | € 338,668 | ▲ 212% |
| Retained profit | € -68,611 | € -57,546 | € -37,302 | € -28,513 | ▲ € 8,789 |
| Bank debt | € 36,934 | € 65,936 | € 296,000 | € 284,727 | ▼ 4% |
| Balance sheet total | € 32,536 | € 19,247 | € 402,775 | € 400,575 | ▼ 1% |
Key figures of S & P Consult, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 April 2027.
What happened to S & P Consult?
What happened at S & P Consult in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 8,789 (▼ 57% vs 2024). Source: NBB ↗
- Pegie PUT became a director. NBB
- New establishment in Berlaar. KBO
- Steven BERTELS became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 36,747 loss in 2022 to € 8,789 profit in 2025.
Paid € 869 in corporate taxes since 2022.
Best year ever: 2024, with € 20,244 profit.
A new publication or filing at S & P Consult? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind S & P Consult are Steven BERTELS and Pegie PUT. The same people are also behind IJS BLANCA. Steven BERTELS is also behind VLIEGENHOR EXPERT.
Directors
According to the 2025 annual accounts
since 2013
since 2019
Establishments
Establishment units
Physical locations of this company
Itegembaan 138
2590 Berlaar
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0538.755.717
- VAT number
- BE 0538.755.717
- Registered office
- Itegembaan 138, 2590 Berlaar
- Names & denominations
- S & P Consult
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 19 September 2013
- Peppol
- Active · Active since 23 Jul 2025
- Activities · NACE
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Holdings
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