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SABLON FINANCE

Active
Private limited companyfounded 1995active for 31 yearsRue du Sablon 65, 6600 Bastogne, BelgiumKBO/BCE: BE 0454.851.608

From the official registers: KBO 31 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

SABLON FINANCE has been active since 1995 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20,815 and a net result of €135,779. Equity has been shrinking by about 14% per year since 2018. Its solvency ranks better than 16% of 1,139 sector peers (NACE 77, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Overview

Official details

KBO
Status
Active since 22-03-1995 Normal situation
Activity
Renting and leasing of other personal and household goods NACE 77229and 1 other
Establishment unit
2.071.062.539 6600 Bastogne, since 05-04-1995
Financial year end
31 December
Peppol
Reachable since 06-10-2025

Board and ownership

Board

Financial position

90 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Annual accounts 2025
Gross margin
€500,866
▲ 40.6%
Turnover
≈ €1.2m
estimated
Profit
€135,779
▼ 21.7%
Equity
€20,815
▼ 1.0%
Total assets
€858,438
▲ 277%
Staff
3.5 FTE
▲ 94.4%
Filed on 27-07-2026, 4 days before the deadlineat the National Bank
Score breakdownraises riskEquity €20,815 (2.4% of total assets)lowers riskFounded in 1995Liquidity: current ratio 0.94, cash €226,382Size: 3.5 FTE, total assets €858,438Show the evidence

Checked score

Score 2025
90 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 54% of micro companies in rental and leasing (NACE 77)
Financial strength · tick: 2024
Average
Solvency 27-7
equity 2.4% of total assets
Liquidity 59+8
short-term debt 48.4% · cash 26.4%
Profitability 89-11
return on assets 15.8%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.5% (3,169 companies, NACE 77, micro)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● unchanged vs 11-2024 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.2%● unchanged vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025 07-2025: 0.2%● unchanged vs 06-2025 08-2025: 0.2%● unchanged vs 07-2025highest value 09-2025: 0.2%● unchanged vs 08-2025highest value 10-2025: 0.2%● unchanged vs 09-2025highest value 11-2025: 0.2%● unchanged vs 10-2025highest value 12-2025: 0.2%● unchanged vs 11-2025highest value 01-2026: 0.2%● unchanged vs 12-2025 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.1%▼ -0.1 percentage points vs 05-2026lowest value 07-2026: 0.2%▲ +0.1 percentage points vs 06-2026 08-2026: 0.2%● unchanged vs 07-2026 09-2026: 0.2%● unchanged vs 08-2026 10-2026: 0.2%● unchanged vs 09-2026
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.94 (1.09 in 2024), below 1. Short-term debt is 48.4% and cash 26.4% of total assets. 97.6% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 77, micro). It does better than 22% of them on solvency, 72% on liquidity, 84% on profitability and 38% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
raises risk · Equity €20,815 (2.4% of total assets)
NBB · annual accounts
lowers risk · Founded in 1995
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Liquidity: current ratio 0.94, cash €226,382
NBB · annual accounts
lowers risk · Size: 3.5 FTE, total assets €858,438
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 1139 sector peers (2025).
NBB · sector comparison
Position among 1139 sector peers
Solvency
better than 16%
← 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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
4 days early
2024
2 days early
2023
1 day late
2022
30 days late
2021
13 days early
2020
18 days late
2019
13 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 6 days after the deadline. In the sector (NACE 77), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Lower solvency than 83% of companies in rental and leasingsector median 36.0% · 1,139 companies 2.4% View
  • Positive: 8 profitable years in a rowprofit 2025: €135,779 8 years View

Comparable companies

These companies have the same main activity as SABLON FINANCE: renting and leasing of other personal and household goods (NACE 77229). They are comparable in size and age: total assets between €499,000 and €1m, founded between 1992 and 2002.

CompanyTotal assetsGross margin
SABLON FINANCE Bastogne€0.9m€0.5m
CABINET FRAITURE Andenne€0.9m€0.4m
MEFINO Kruisem€1.0m€0.7m
THE TENT SHOP Heist-op-den-Berg€0.9m€0.5m
Carpet St. - Georges Grez-Doiceau€0.5m€0.3m
EXPO GAMMA Wijnegem€0.7m€0.3m
ZAKENKANTOOR D.G.S. Kortrijk€0.5m€0.4m
Full comparison

Documents

Annual accounts at the NBB

All 31 annual accounts

Articles and registers

Key facts about SABLON FINANCE

What is the company number of SABLON FINANCE?
The company number of SABLON FINANCE is 0454.851.608. The VAT number is the same number with BE in front: BE 0454.851.608.
Where is SABLON FINANCE based?
The registered office is at Rue du Sablon 65, 6600 Bastogne.Company details
What does SABLON FINANCE do?
According to the KBO register, the main activity is renting and leasing of other personal and household goods (NACE 77229).
What is the legal form of SABLON FINANCE?
The legal form of SABLON FINANCE is Private limited company (BV).
When was SABLON FINANCE founded?
SABLON FINANCE was founded on 22-03-1995.
Is SABLON FINANCE still active?
Yes, SABLON FINANCE is an active enterprise in the KBO register.
How many employees does SABLON FINANCE have?
SABLON FINANCE had an average of 3.5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of SABLON FINANCE?
The turnover in financial year 2025 is ≈ €1.2m. This figure is estimated from the gross margin of €500,866 and 2,285 comparable companies of the same size. It probably lies between €710,000 and €2.0m. It is a rough estimate.
Is SABLON FINANCE profitable?
In financial year 2025, SABLON FINANCE made a profit of €135,779.
Where can I find the annual accounts of SABLON FINANCE?
SABLON FINANCE filed 31 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of SABLON FINANCE due?
SABLON FINANCE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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