S. SABLON
ActiveS. SABLON has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16.33M and a net result of €2.99M. Equity is growing by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 73% of 8636 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▲+10
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.35M at 30 days acceptable
Liquidity short (current ratio 0.54 against 1.91 in 2024; short-term debt: 18.4% and cash: 0.8% of total assets), and 22.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
77.1%
Return on assets
14.1%
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
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
68 d early
2023
83 d early
2022
44 d early
2021
21 d early
2020
79 d early
2019
84 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€16.33M▲ 22.4%
2024 · €13.34M
2019: €9.22M
2020: €10.16M
2021: €10.85M
2022: €11.62M
2023: €12.39M
2024: €13.34M
2019 → 2025
Total assets
€21.17M▲ 32.9%
2024 · €15.93M
2019: €10.16M
2020: €13.24M
2021: €13.87M
2022: €13.92M
2023: €15.94M
2024: €15.93M
2019 → 2025
Net result
€2.99M▲ 216%
2024 · €947k
2019: €517k
2020: €940k
2021: €690k
2022: €767k
2023: €769k
2024: €947k
2019 → 2025
Working capital
€-1.78M
2024 · €994k
2019: €3.52M
2020: €2.38M
2021: €1.21M
2022: €1.65M
2023: €660k
2024: €994k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10.85M-€11.62M▲ 7.1%€12.39M▲ 6.6%€13.34M▲ 7.6%€16.33M▲ 22.4%
Operating result€527k-€607k▲ 15.1%€603k▼ 0.6%€483k▼ 19.9%€2.54M▲ 426%
Net result€690k-€767k▲ 11.2%€769k▲ 0.2%€947k▲ 23.2%€2.99M▲ 216%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 426% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €21.17M
Fixed assets
€19.04M▲ 37.6%
Current assets
€2.13M▲ 2.0%
Equity and liabilities €21.17M
Equity
€16.33M▲ 22.4%
Provisions
€34k▼ 3.5%
Debt
€4.81M▲ 88.1%
The debt ratio rises from 16.0% to 22.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€2.89M▲
2024 · €759k
Cash flow
€3.34M▲
2024 · €1.22M
Solvency
77.1%▼
2024 · 83.7%
Current ratio
0.54▼
2024 · 1.91
Quick ratio
0.54▼
2024 · 1.91
Debt / equity
0.29▲
2024 · 0.19
ROE
18.3%▲
2024 · 7.1%
ROA
14.1%▲
2024 · 5.9%
Interest coverage
14.27▲
2024 · 6.79
Debt
€4.81M▲
2024 · €2.55M
Debt ≤ 1 year
€3.90M▲
2024 · €1.09M
Debt > 1 year
€900k▼
2024 · €1.46M
Income taxes
€874k▲
2024 · €159k
Staff costs
€48k▲
2024 · €33k
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€15.93M€21.17M▲
Fixed assets21/28€13.84M€19.04M▲
Tangible fixed assets22/27€5.18M€5.23M▲
Land and buildings22€4.45M€4.57M▲
Furniture and vehicles24€110k€90k▼
Other tangible fixed assets26€621k€570k▼
Financial fixed assets28€8.67M€13.82M▲
Current assets29/58€2.08M€2.13M▲
Amounts receivable after more than one year29€60k€60k=
Trade receivables290€60k€60k=
Amounts receivable within one year40/41€1.50M€1.50M▲
Trade receivables40€360€2k▲
Other amounts receivable41€1.50M€1.50M▲
Current investments50/53€439k€395k▼
Cash at bank and in hand54/58€50k€161k▲
Deferred charges and accrued income490/1€37k€9k▼
Equity and liabilities
Total equity and liabilities10/49€15.93M€21.17M▲
Equity10/15€13.34M€16.33M▲
Contributions10/11€25k€25k=
Reserves13€13.31M€16.30M▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€84k€81k▼
Distributable reserves133€13.23M€16.22M▲
Provisions and deferred taxes16€35k€34k▼
Deferred taxes168€35k€34k▼
Amounts payable17/49€2.55M€4.81M▲
Amounts payable after more than one year17€1.46M€900k▼
Financial debts170/4€1.46M€900k▼
Amounts payable within one year42/48€1.09M€3.90M▲
Current portion of amounts payable after more than one year42€510k€410k▼
Financial debts43€125k€2.50M▲
Credit institutions430/8€125k€2.50M▲
Trade debts44€5k€33k▲
Suppliers440/4€5k€33k▲
Taxes, remuneration and social security45€29k€12k▼
Taxes450/3€26k€8k▼
Remuneration and social security454/9€3k€5k▲
Other amounts payable47/48€420k€949k▲
Accrued charges and deferred income492/3€6k€2k▼
Income statement
Code20242025
Non-recurring operating income76A€24k€2.38M▲
Remuneration, social security and pensions62€33k€48k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€276k€348k▲
Other operating charges640/8€22k€39k▲
Non-recurring operating charges66A-€130k
Gross operating margin9900€815k€3.11M▲
Operating profit (loss)9901€483k€2.54M▲
Financial income75/76B€734k€1.52M▲
Recurring financial income75€734k€1.52M▲
Financial charges65/66B€112k€203k▲
Recurring financial charges65€112k€203k▲
Profit (loss) for the period before taxes9903€1.10M€3.86M▲
Transfer from deferred taxes780€1k€1k=
Income taxes67/77€159k€874k▲
Profit (loss) for the period9904€947k€2.99M▲
Transfer from tax-exempt reserves789€3k€3k=
Profit (loss) for the period to be appropriated9905€950k€2.99M▲
Appropriation of the result
Profit (loss) to be appropriated9906€950k€2.99M▲
Transfer to equity691/2€950k€2.99M▲
To other reserves6921€950k€2.99M▲
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (20 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2019net €2.99M ▲216%
Operating result €2.54M, net result €2.99M, both a record.
22-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
08-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
15-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
10-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
11-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-08
Financial
Equity above €10MEq €10.16M ▲10.2%
2 profitable years in a row build equity to €10.16M.
07-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
24-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2012
31-07
State Gazette act
General meeting · Director appointment
Permanent representative · Mandate compensation
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Veurne · 1 establishment unit since 2018
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.
Kwadestraat 328630 VeurneGround area
2,543 m²
Building footprint
556 m²
Volume, LiDAR
8,560 m³
2 parcels, Brussels, Flanders · tallest building 24.9 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Verenigingstraat 59, 1000 Brussel
since 20182.338.644.264
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38028B0182/00H000 | Flanders | 1,835 m² | 1 · 206 m² | 8.5 m · 2 fl. |
| 21803C0975/00K000 | Brussels | 708 m² | 1 · 350 m² | 24.9 m · 7 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Ownership & control
1 partyS. SABLONBE 0458.482.475
controls
Where this company holds controlthis company sits on their board1
1 location
Recognitions · licences · registrations
Legal Entity Identifier
549300R7LTEOZZ7W2J21
Similar companies · same sector, comparable size
MONDIPAR
BE 0899.712.117
Anderlecht · Eq €16.31M
AZEM
BE 0465.004.142
Mettet · Eq €16.35M
PHISA MANAGEMENT
BE 0893.178.869
Sint-Pieters-Woluwe · Eq €16.27M
SOCREAL
BE 0436.834.748
Antwerpen · Eq €16.27M
WYVACON
BE 0479.418.045
Zwevegem · Eq €16.39M
Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 4,734 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-06-1996
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
70200Business and other management consultancy
70220Business consulting
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.