S.B.P.
ActiveSummary
S.B.P. has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €854,551 and a net result of €34,573. Equity is growing by ~15.6% per year across the filed fiscal years. Its solvency ranks better than 80% of 10645 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability72▲+67
Solvency93▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60,000 at 30 days acceptable
Liquidity short (current ratio 0.57 against 0.42 in 2024; short-term debt: 22% and cash: 3.4% of total assets), and 31.8% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
68.2%
Return on assets
2.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
9 d early
2022
29 d early
2021
8 d early
2020
9 d early
2019
67 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 18 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close01-10-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€854,551▲ 4.2%
2024 · €819,978
Total assets
€1.3m▼ 0.7%
2024 · €1.3m
Net result
€34,573
2024 · -€134,745
Working capital
-€119,944▲ 23.5%
2024 · -€156,852
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€221,028▲ 269%-€12,714-€103,570▼ 715%-€120,103▼ 16.0%€42,176
Net result€153,882above the sector's middle half▲ 201%-€25,737below the sector's middle half€412,269above the sector's middle half-€134,745below the sector's middle half€34,573within the sector's middle half
Equity€568,190within the sector's middle half▲ 37.1%€542,453within the sector's middle half▼ 4.5%€954,723above the sector's middle half▲ 76.0%€819,978above the sector's middle half▼ 14.1%€854,551above the sector's middle half▲ 4.2%
Total assets€2.4mabove the sector's middle half▲ 3.5%€2.3mabove the sector's middle half▼ 3.6%€1.3mwithin the sector's middle half▼ 43.8%€1.3mwithin the sector's middle half▼ 1.6%€1.3mwithin the sector's middle half▼ 0.7%
Debt€1.8m▼ 3.9%€1.7m▼ 3.3%€328,941▼ 81.1%€442,626▲ 34.6%€398,928▼ 9.9%
Working capital-€1.3mbelow the sector's middle half▲ 0.8%-€1.3mbelow the sector's middle half▼ 3.9%€21,975within the sector's middle half-€156,852below the sector's middle half-€119,944below the sector's middle half▲ 23.5%
Solvency24.0%within the sector's middle half▲ 5.9pp23.8%within the sector's middle half▼ 0.2pp74.4%above the sector's middle half▲ 50.6pp64.9%above the sector's middle half▼ 9.4pp68.2%above the sector's middle half▲ 3.2pp
Current ratio0.18below the sector's middle half▼ 0.020.14below the sector's middle half▼ 0.041.14within the sector's middle half▲ 1.000.42below the sector's middle half▼ 0.720.57below the sector's middle half▲ 0.14
Return on assets (ROA)6.5%within the sector's middle half▲ 4.3pp-1.1%below the sector's middle half▼ 7.6pp32.1%above the sector's middle half▲ 33.2pp-10.7%below the sector's middle half▼ 42.8pp2.8%within the sector's middle half▲ 13.4pp
Staff (FTE)0below the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €42,176 after a loss of €120,103 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.3m
Fixed assets
€1.1m ▼ 4.4%
Current assets
€156,168 ▲ 36.0%
Equity and liabilities €1.3m
Equity
€854,551 ▲ 4.2%
Debt
€398,928 ▼ 9.9%
Debt's share of the balance-sheet total falls from 35.1% to 31.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€129,586▲
2024 · -€44,411
Cash flow
€121,982▲
2024 · -€59,053
Quick ratio
0.56▲
2024 · 0.41
Debt to equity
0.47▼
2024 · 0.54
ROE
4.0%▲
2024 · -16.4%
Interest coverage
11.25▲
2024 · -2.52
Debt ≤ 1 year
€276,112▲
2024 · €271,716
Debt > 1 year
€121,206▼
2024 · €170,535
Income taxes
€563▲
2024 · €303
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 14,732 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.2%
went bankrupt
3.5%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 14,732 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €22,933 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €28,120 | €32,353 | €27,011 | €75,692 | €87,410 | ▲ 15.5% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €10,593 | - | - | - | - |
| Other operating charges640/8 | - | €1,752 | €8,174 | €55,320 | €38,446 | ▼ 30.5% |
| Gross operating margin9900 | €251,892 | €31,984 | -€68,386 | €10,908 | €168,032 | ▲ 1,440% |
| Operating profit (loss)9901 | €221,028 | -€12,714 | -€103,570 | -€120,103 | €42,176 | ▲ 135% |
| Financial income75/76B | - | €16,967 | €1.3m | €3,281 | €4,482 | ▲ 36.6% |
| Recurring financial income75 | €9,521 | €8,142 | €1.3m | €3,281 | €4,482 | ▲ 36.6% |
| Non-recurring financial income76B | - | €8,824 | - | - | - | - |
| Financial charges65/66B | - | €29,813 | €748,397 | €17,618 | €11,522 | ▼ 34.6% |
| Recurring financial charges65 | €29,383 | €29,813 | €28,453 | €17,618 | €11,522 | ▼ 34.6% |
| Non-recurring financial charges66B | - | - | €719,944 | €0 | - | - |
| Profit (loss) for the period before taxes9903 | €201,166 | -€25,561 | €440,469 | -€134,441 | €35,136 | ▲ 126% |
| Income taxes67/77 | €47,284 | €176 | €28,200 | €303 | €563 | ▲ 85.8% |
| Profit (loss) for the period9904 | €153,882 | -€25,737 | €412,269 | -€134,745 | €34,573 | ▲ 126% |
| Transfer from tax-exempt reserves789 | - | - | - | €19,763 | €19,763 | = |
| Transfer to tax-exempt reserves689 | - | - | - | €79,051 | €0 | ▼ 100% |
| Profit (loss) for the period to be appropriated9905 | €153,882 | -€25,737 | €412,269 | -€194,033 | €54,336 | ▲ 128% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.4m | €2.3m | €1.3m | €1.3m | €1.3m | ▼ 0.7% |
| Fixed assets21/28 | €2.1m | €2.1m | €1.1m | €1.1m | €1.1m | ▼ 4.4% |
| Intangible fixed assets21 | €1,265 | - | - | €317,597 | €285,571 | ▼ 10.1% |
| Tangible fixed assets22/27 | €481,233 | €467,897 | €440,887 | €659,660 | €641,257 | ▼ 2.8% |
| Land and buildings22 | - | €394,482 | €377,745 | €546,175 | €550,438 | ▲ 0.8% |
| Plant, machinery and equipment23 | - | - | - | €1,092 | €979 | ▼ 10.4% |
| Furniture and vehicles24 | - | €4,212 | €3,058 | €62,189 | €48,756 | ▼ 21.6% |
| Other tangible fixed assets26 | - | €69,204 | €60,084 | €50,204 | €41,084 | ▼ 18.2% |
| Financial fixed assets28 | €1.6m | €1.6m | €664,642 | €170,483 | €170,483 | = |
| Current assets29/58 | €280,966 | €209,928 | €178,134 | €114,864 | €156,168 | ▲ 36.0% |
| Stocks and contracts in progress3 | €19,239 | €17,560 | €3,310 | €3,310 | €2,809 | ▼ 15.1% |
| Stocks30/36 | - | €17,560 | €3,310 | €3,310 | €2,809 | ▼ 15.1% |
| Amounts receivable within one year40/41 | €251,388 | €188,094 | €169,765 | €91,377 | €98,590 | ▲ 7.9% |
| Trade receivables40 | - | €58,556 | €95,655 | €24,234 | €1,177 | ▼ 95.1% |
| Other amounts receivable41 | - | €129,538 | €74,110 | €67,143 | €97,413 | ▲ 45.1% |
| Cash at bank and in hand54/58 | €8,439 | €1,061 | €2,229 | €14,423 | €43,063 | ▲ 199% |
| Deferred charges and accrued income490/1 | - | €3,214 | €2,831 | €5,754 | €11,705 | ▲ 103% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.4m | €2.3m | €1.3m | €1.3m | €1.3m | ▼ 0.7% |
| Equity10/15 | €568,190 | €542,453 | €954,723 | €819,978 | €854,551 | ▲ 4.2% |
| Contributions10/11 | - | €25,000 | €25,000 | €25,000 | €25,000 | = |
| Reserves13 | €543,190 | €543,190 | €800,000 | €859,288 | €839,525 | ▼ 2.3% |
| Tax-exempt reserves132 | - | - | - | €59,288 | €39,525 | ▼ 33.3% |
| Distributable reserves133 | - | €543,190 | €800,000 | €800,000 | €800,000 | = |
| Profit (loss) carried forward14 | - | -€25,737 | €129,723 | -€64,310 | -€9,975 | ▲ 84.5% |
| Amounts payable17/49 | €1.8m | €1.7m | €328,941 | €442,626 | €398,928 | ▼ 9.9% |
| Amounts payable after more than one year17 | €249,100 | €211,045 | €171,530 | €170,535 | €121,206 | ▼ 28.9% |
| Financial debts170/4 | - | €211,045 | €171,530 | €170,535 | €121,206 | ▼ 28.9% |
| Amounts payable within one year42/48 | €1.5m | €1.5m | €156,160 | €271,716 | €276,112 | ▲ 1.6% |
| Current portion of amounts payable after more than one year42 | - | €38,293 | €39,516 | €52,540 | €49,278 | ▼ 6.2% |
| Financial debts43 | - | €26,669 | €25,000 | €25,375 | €25,000 | ▼ 1.5% |
| Credit institutions430/8 | - | €26,669 | €25,000 | €375 | €0 | ▼ 100% |
| Other loans439 | - | - | - | €25,000 | €25,000 | = |
| Trade debts44 | €94,333 | €60,118 | €69,060 | €83,355 | €23,348 | ▼ 72.0% |
| Suppliers440/4 | - | €60,118 | €69,060 | €83,355 | €23,348 | ▼ 72.0% |
| Advances received on contracts in progress46 | - | - | - | €732 | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | - | €36,526 | €21,589 | €7,272 | €21,317 | ▲ 193% |
| Taxes450/3 | - | €36,526 | €21,589 | €7,272 | €21,317 | ▲ 193% |
| Other amounts payable47/48 | - | €1.4m | €995 | €102,443 | €157,169 | ▲ 53.4% |
| Accrued charges and deferred income492/3 | - | €1,215 | €1,251 | €375 | €1,610 | ▲ 329% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €153,882 | -€25,737 | €412,269 | -€134,745 | €34,573 | ▲ 126% |
| + Depreciation and write-downs630 | €28,120 | €32,353 | €27,011 | €75,692 | €87,410 | ▲ 15.5% |
| Operating cash flow (approximation) | €182,002 | €6,617 | €439,280 | -€59,053 | €121,982 | ▲ 307% |
| Investment in fixed assets (approximation) | - | -€17,752 | €940,022 | -€117,904 | -€36,980 | ▲ 68.6% |
| Change in cash | - | -€7,378 | €1,168 | €12,194 | €28,640 | ▲ 135% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Back to profitnet €34,573
Net result €34,573 after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Weakest financial yearnet -€134,745
Net result drops to -€134,745, the lowest in the series; recovery starts the following year.
2023
22-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-05
Financial
Back to profitnet €412,269
Net result €412,269 after one loss-making year.
31-05
Financial
Liquidity times 8current ratio 1.14
Current ratio from 0.14 to 1.14; short-term debt falls from €1.5m to €156,160.
2022
02-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-05
Financial
Equity above €500,000Eq €568,190 ▲37.1%
3 profitable years in a row build equity to €568,190.
2020
22-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
25-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2018
25-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
06-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
02-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 4 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Roeselare · 1 establishment unit since 1996
Ground area
1,690 m²
Building footprint
192 m²
Volume, LiDAR
911 m³
Parcel 36302B1047/00E000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Remara
since 19962.079.046.134
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36302B1047/00E000 | Flanders | 1,690 m² | 1 · 192 m² | 7.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 30-06-2025 list no shareholders, and no other source names one.
Holdings 1
-
50%
According to the annual accounts to 30-06-2025 of S.B.P. and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Company details
Identification
Legal formPrivate limited company
Founded15-07-1996
Fiscal year end30-06
Activities, NACEBEL 2025
47300Retail sale of automotive fuel
E-invoicing
Reachable via Peppol
Peppol ID
0208:0458405073
Also
9925:BE0458405073
Registered
22-08-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.