Financials
Financial year 2025
S&F Consulting from Sint-Pieters-Woluwe, company number BE0673905619, closed financial year 2025 with a result of € 19,419 after tax. For that financial year S&F Consulting recorded a gross margin of € 141,333 and equity of € 113,654. Compared with financial year 2024, the result moved from € 51,521 to € 19,419. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on October 15, 2026.
€ 113,654
▲ 21% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 19,419
▼ 62% vs 2024
Profit after tax over the fiscal year.
€ 30,104
▲ 147% 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 € 107,454.
People and assets in 2025
0.5
Average over the fiscal year, from the social balance sheet.
€ 13,905
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 5,415
▼ 62% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 473,512
▼ 12% vs 2024
€ 105,516 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 3,706
▼ 37% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 9,773
▼ 49% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 38,427 | € 84,261 | € 121,938 | € 141,333 | ▲ 16% |
| Profit after taxes | € -21,958 | € 52,973 | € 51,521 | € 19,419 | ▼ 62% |
| Equity | € -10,253 | € 42,720 | € 94,241 | € 113,654 | ▲ 21% |
| Total debts | € 755,477 | € 704,899 | € 566,373 | € 515,731 | ▼ 9% |
| Cash | € 5,736 | € 25,385 | € 12,180 | € 30,104 | ▲ 147% |
| Retained profit | € -16,453 | € 36,520 | € 88,041 | € 107,454 | ▲ 22% |
| Bank debt | € 696,100 | € 619,209 | € 541,127 | € 473,512 | ▼ 12% |
| Balance sheet total | € 745,224 | € 747,619 | € 660,614 | € 629,386 | ▼ 5% |
| Employees (FTE) | - | - | - | 0.5 |
Key figures of S&F Consulting, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to S&F Consulting?
What happened at S&F Consulting in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 19,419 (▼ 62% vs 2024). filed late Source: NBB ↗
- New establishment in Sint-Pieters-Woluwe. KBO
- Start of the company according to the CBE. KBO
In short
From € 21,958 loss in 2022 to € 19,419 profit in 2025.
Paid € 27,296 in corporate taxes since 2022.
Best year ever: 2023, with € 52,973 profit.
Establishments
Establishment units
Physical locations of this company
Schermlaan 125
1150 Sint-Pieters-Woluwe
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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
- 0673.905.619
- VAT number
- BE 0673.905.619
- Registered office
- Schermlaan 125, 1150 Sint-Pieters-Woluwe
- Names & denominations
- S&F Consulting
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 5 April 2017
- Peppol
- Active · Active since 24 Nov 2025
- Contact
- [email protected]
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars