Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 64 % of short-term debt in 2024; threshold 65 %.
Financials
Financial year 2024
S&F Consulting from Sint-Pieters-Woluwe, company number BE0673905619, closed financial year 2024 with a result of € 51,521 after tax. For that financial year S&F Consulting recorded a gross margin of € 121,938 and equity of € 94,241. Compared with financial year 2023, the result moved from € 52,973 to € 51,521. The company is profitable. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on November 25, 2025.
€ 94,241
▲ 121% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 51,521
▼ 3% vs 2023
Profit after tax over the fiscal year.
€ 12,180
▼ 52% vs 2023
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2024. Retained profit grew to € 88,041.
People and assets in 2024
€ 14,177
▼ 42% vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
€ 541,127
▼ 13% vs 2023
€ 104,289 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 5,874
▼ 84% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 19,190
▲ 81% vs 2023
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 110,550 | € 38,427 | € 84,261 | € 121,938 | ▲ 45% |
| Profit after taxes | € 11,503 | € -21,958 | € 52,973 | € 51,521 | ▼ 3% |
| Equity | € 11,705 | € -10,253 | € 42,720 | € 94,241 | ▲ 121% |
| Total debts | € 473,911 | € 755,477 | € 704,899 | € 566,373 | ▼ 20% |
| Cash | € 4,977 | € 5,736 | € 25,385 | € 12,180 | ▼ 52% |
| Retained profit | € 5,505 | € -16,453 | € 36,520 | € 88,041 | ▲ 141% |
| Bank debt | € 464,762 | € 696,100 | € 619,209 | € 541,127 | ▼ 13% |
| Balance sheet total | € 485,616 | € 745,224 | € 747,619 | € 660,614 | ▼ 12% |
Key figures of S&F Consulting, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
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 2024: profit of € 51,521 (▼ 3% vs 2023). filed late Source: NBB ↗
- New establishment in Sint-Pieters-Woluwe. KBO
- PATRICE HEUTS became a director. NBB
- FRANCOIS CANART became a director. NBB
- SABRINA MILO became a director. NBB
- SOPHIE BATTAILLE became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 11,503 profit in 2021 to € 51,521 profit in 2024.
Paid € 24,483 in corporate taxes since 2021.
Best year ever: 2023, with € 52,973 profit.
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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&F Consulting are PATRICE HEUTS, FRANCOIS CANART, SABRINA MILO and SOPHIE BATTAILLE.
Directors
According to the 2024 annual accounts
PATRICE HEUTS
Director
since 2017
FRANCOIS CANART
Director
since 2017
SABRINA MILO
Director
since 2017
SOPHIE BATTAILLE
Director
since 2017
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