MICRO SIB
ActiveMICRO SIB has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €289. Equity is growing by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 93% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▼-6
Solvency100=
Growth68▼-10
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 8.88 against 4.38 in 2024; short-term debt: 11.1% and cash: 0.4% of total assets), and 11.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
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
88.9%
Return on assets
1.3%
Age of the figures
9 mo
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
4 d late
2023
23 d late
2022
25 d late
2021
30 d late
2020
27 d late
2019
42 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€422k▲ 24.1%
2024 · €340k
2024: €340k
2024 → 2025
EBIT margin
0.6%▼ 0.6pp
2024 · 1.2%
2024: 1.2%
2024 → 2025
Net result
€289▼ 71.2%
2024 · €1k
2018: €704
2019: €482
2020: €782
2021: €2k
2022: €7k
2023: €6k
2024: €1k
2018 → 2025
Working capital
€20k▲ 1.5%
2024 · €19k
2018: €15k
2019: €15k
2020: €16k
2021: €18k
2022: €25k
2023: €21k
2024: €19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€340k€422k▲ 24.1%
Equity€18k-€25k▲ 37.3%€21k▼ 16.6%€20k▼ 7.1%€20k▲ 1.5%
Operating result€3k-€7k▲ 119%€8k▲ 13.9%€4k▼ 50.9%€2k▼ 41.8%
Net result€2k-€7k▲ 204%€6k▼ 15.0%€1k▼ 82.8%€289▼ 71.2%
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 42% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €22k
Fixed assets
€332=
Current assets
€22k▼ 11.7%
Equity and liabilities €22k
Equity
€20k▲ 1.5%
Debt
€2k▼ 56.5%
The debt ratio falls from 22.5% to 11.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
88.9%▲
2024 · 77.5%
Current ratio
8.88▲
2024 · 4.38
Quick ratio
3.87▲
2024 · 2.64
Debt / equity
0.12▼
2024 · 0.29
ROE
1.5%▼
2024 · 5.1%
ROA
1.3%▼
2024 · 4.0%
Debt
€2k▼
2024 · €6k
Debt ≤ 1 year
€2k▼
2024 · €6k
Income taxes
€830▼
2024 · €2k
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€25k€22k▼
Fixed assets21/28€332€332=
Financial fixed assets28€332€332=
Current assets29/58€25k€22k▼
Stocks and contracts in progress3€10k€12k▲
Stocks30/36€10k€12k▲
Amounts receivable within one year40/41€14k€9k▼
Other amounts receivable41€14k€9k▼
Cash at bank and in hand54/58€906€87▼
Equity and liabilities
Total equity and liabilities10/49€25k€22k▼
Equity10/15€20k€20k▲
Contributions10/11€605€605=
Profit (loss) carried forward14€19k€19k▲
Amounts payable17/49€6k€2k▼
Amounts payable within one year42/48€6k€2k▼
Financial debts43-€2k
Credit institutions430/8-€2k
Trade debts44€6k-
Suppliers440/4€6k-
Taxes, remuneration and social security45€64-
Taxes450/3€64-
Income statement
Code20242025
Turnover70€340k€422k▲
Goods, raw materials, services and sundry goods60/61€337k€420k▲
Other operating charges640/8€775€400▼
Gross operating margin9900€5k€3k▼
Operating profit (loss)9901€4k€2k▼
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€3k€1k▼
Income taxes67/77€2k€830▼
Profit (loss) for the period9904€1k€289▼
Profit (loss) for the period to be appropriated9905€1k€289▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€19k▲
Profit (loss) brought forward from the previous period14P€18k€19k▲
The notes to these accounts (2 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €289 ▼71.2%
Net result drops to €289, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 8.88
Current ratio from 4.38 to 8.88; short-term debt falls from €6k to €2k.
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Highest result since 2018net €7k ▲204%
Net result €7k, the highest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
11-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 42 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2009
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.
02-03-2009
Resigned as Managing director
Location & real-estate footprint
Registered office, Anderlecht · 1 establishment unit since 2007
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.
Neerpedestraat 3141070 AnderlechtGround area
134 m²
Building footprint
127 m²
Volume, LiDAR
1,192 m³
Parcel 21308H0342/00L000, Brussels · tallest building 12.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ASTRID
since 20072.164.845.010
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21308H0342/00L000 | Brussels | 134 m² | 1 · 127 m² | 12.1 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAnderlecht2.164.845.010
Similar companies · same sector, comparable size
Events 4 you
BE 0874.481.823
Brasschaat · Eq €20k
SOL ET VITA
BE 0451.781.557
Rotselaar · Eq €20k
LUST 4 LIFE
BE 0768.860.996
Elsene · Eq €20k
AMRI & PARTNERS
BE 0543.537.223
Montigny-le-Tilleul · Eq €20k
RABUN
BE 0475.975.634
Antwerpen · Eq €20k
Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 4,145 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-08-2007
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.