GROUPE SF
ActiveSummary
GROUPE SF has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35k and a net result of €23k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 22% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▲+9
Solvency49▲+17
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.17 against 0.96 in 2024; short-term debt: 76.3% of total assets), and 76.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
23.7%
Return on assets
15.3%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 16546 sector peers (2025).
NBB · sector comparisonPosition among 16546 sector peers
Solvency
better than 22%
← weakest
strongest →
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
61 d late
2023
64 d late
2022
71 d late
2021
25 d early
2020
32 d early
2019
30 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€310k
EBIT margin
4.8%
Net result
€23k▲ 59.7%
2024 · €14k
2018: €13k
2019: €-53k
2020: €8k
2021: €-2k
2022: €-6k
2023: €-9k
2024: €14k
2018 → 2025
Working capital
€19k
2024 · €-7k
2018: €30k
2019: €-4k
2020: €12k
2021: €6k
2022: €-11k
2023: €-21k
2024: €-7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€8k▼ 42.2%€-2k€12k€35k▲ 182%
Operating result€-227-€-4k▼ 1,547%€-8k▼ 127%€21k€34k▲ 63.6%
Net result€-2k-€-6k▼ 210%€-9k▼ 68.1%€14k€23k▲ 59.7%
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 64% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €147k
Fixed assets
€16k ▼ 17.1%
Current assets
€131k ▼ 16.7%
Equity and liabilities €147k
Equity
€35k ▲ 182%
Debt
€112k ▼ 31.7%
Debt's share of the balance-sheet total falls from 93.0% to 76.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€38k▲
2024 · €24k
Cash flow
€26k▲
2024 · €18k
Current ratio
1.17▲
2024 · 0.96
Debt to equity
3.21▼
2024 · 13.26
ROE
64.5%▼
2024 · 113.8%
ROA
15.3%▲
2024 · 8.0%
Interest coverage
28.73▲
2024 · 18.97
Debt ≤ 1 year
€112k▼
2024 · €165k
Income taxes
€11k▲
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€177k€147k▼
Fixed assets21/28€20k€16k▼
Tangible fixed assets22/27€20k€16k▼
Furniture and vehicles24€2k€1k▼
Other tangible fixed assets26€18k€15k▼
Current assets29/58€157k€131k▼
Amounts receivable after more than one year29€12k€6k▼
Other amounts receivable291€12k€6k▼
Amounts receivable within one year40/41€143k€123k▼
Trade receivables40€70k€72k▲
Other amounts receivable41€73k€51k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€177k€147k▼
Equity10/15€12k€35k▲
Contributions10/11€19k€19k=
Reserves13€2k€16k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133-€15k
Profit (loss) carried forward14€-8k-
Amounts payable17/49€165k€112k▼
Amounts payable within one year42/48€165k€112k▼
Current portion of amounts payable after more than one year42-€14k
Financial debts43€6k€9k▲
Credit institutions430/8€6k€9k▲
Trade debts44€153k€84k▼
Suppliers440/4€153k€84k▼
Taxes, remuneration and social security45€6k€6k▼
Taxes450/3€6k€5k▼
Remuneration and social security454/9€65€239▲
Income statement
Code20242025
Non-recurring operating income76A-€6k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A-€3k
Gross operating margin9900€26k€43k▲
Operating profit (loss)9901€21k€34k▲
Financial income75/76B€767€767=
Recurring financial income75€767€767=
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€20k€34k▲
Income taxes67/77€6k€11k▲
Profit (loss) for the period9904€14k€23k▲
Profit (loss) for the period to be appropriated9905€14k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€15k▲
Profit (loss) brought forward from the previous period14P€-22k€-8k▲
Transfer to equity691/2-€15k
To other reserves6921-€15k
The notes to these accounts (8 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €23k ▲59.7%
Operating result €34k, net result €23k, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Back to profitnet €14k
Net result €14k after 3 loss-making years.
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 64 days late
2023
10-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 71 days late
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-53k ▼521%
Net result drops to €-53k, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 16 days late
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, Honnelles · 1 establishment unit since 2013
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.
Rue du Château de Roisin(ROI) 277387 HonnellesGround area
3,491 m²
Building footprint
197 m²
Volume, LiDAR
1,306 m³
Parcel 53069D0727/00M000, Wallonia · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
sprl Groupe S.F.
since 20132.222.754.901
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53069D0727/00M000 | Wallonia | 3,491 m² | 1 · 197 m² | 7.9 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.
Similar companies · same sector, comparable size
INVEBEL
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ERODENT
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MIND CHANGE
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Chakana
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Of 10,451 companies in sector 86995 we hold annual accounts for 886. 641 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded30-09-2013
Fiscal year end31-12
Activities, NACEBEL 2025
86995Nutrition and dietetics services
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.