Sandrine DEVOS
ActiveSandrine DEVOS has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €210k and a net result of €6k. Equity is growing by ~13.2% per year across the filed fiscal years. Its solvency ranks better than 73% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-29
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 3.91 against 5.83 in 2024; short-term debt: 20.9% and cash: 1.7% of total assets), and 24.2% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
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
75.8%
Return on assets
2%
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 22-05-2026, 70 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
70 d early
2024
31 d early
2023
65 d early
2022
62 d early
2021
62 d early
2020
66 d early
2019
32 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€210k▼ 9.8%
2024 · €233k
2018: €99k
2019: €109k
2020: €137k
2021: €144k
2022: €167k
2023: €182k
2024: €233k
2018 → 2025
Total assets
€277k▼ 2.9%
2024 · €285k
2018: €148k
2019: €169k
2020: €220k
2021: €195k
2022: €209k
2023: €280k
2024: €285k
2018 → 2025
Net result
€6k▼ 92.2%
2024 · €71k
2018: €-17k
2019: €10k
2020: €28k
2021: €7k
2022: €22k
2023: €36k
2024: €71k
2018 → 2025
Working capital
€168k▼ 14.1%
2024 · €196k
2018: €79k
2019: €92k
2020: €115k
2021: €122k
2022: €146k
2023: €184k
2024: €196k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€144k-€167k▲ 15.4%€182k▲ 9.4%€233k▲ 27.7%€210k▼ 9.8%
Operating result€11k-€32k▲ 190%€50k▲ 56.6%€99k▲ 100%€8k▼ 91.7%
Net result€7k-€22k▲ 204%€36k▲ 59.7%€71k▲ 101%€6k▼ 92.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 92% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €277k
Fixed assets
€51k▲ 4.6%
Current assets
€226k▼ 4.4%
Equity and liabilities €277k
Equity
€210k▼ 9.8%
Debt
€67k▲ 27.9%
The debt ratio rises from 18.4% to 24.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€19k▼
2024 · €108k
Cash flow
€17k▼
2024 · €81k
Solvency
75.8%▼
2024 · 81.6%
Current ratio
3.91▼
2024 · 5.83
Quick ratio
3.74▼
2024 · 5.58
Debt / equity
0.32▲
2024 · 0.23
ROE
2.6%▼
2024 · 30.7%
ROA
2.0%▼
2024 · 25.0%
Interest coverage
19.04▼
2024 · 102.86
Debt
€67k▲
2024 · €52k
Debt ≤ 1 year
€58k▲
2024 · €41k
Debt > 1 year
€9k▼
2024 · €12k
Income taxes
€4k▼
2024 · €29k
Staff costs
€23k▼
2024 · €26k
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€285k€277k▼
Fixed assets21/28€49k€51k▲
Tangible fixed assets22/27€49k€51k▲
Furniture and vehicles24€6k€13k▲
Other tangible fixed assets26€42k€38k▼
Current assets29/58€236k€226k▼
Stocks and contracts in progress3€10k€10k=
Stocks30/36€10k€10k=
Amounts receivable within one year40/41€13k€21k▲
Trade receivables40€11k€7k▼
Other amounts receivable41€2k€13k▲
Current investments50/53€179k€186k▲
Cash at bank and in hand54/58€31k€5k▼
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€285k€277k▼
Equity10/15€233k€210k▼
Contributions10/11€1k€1k=
Reserves13€167k€144k▼
Distributable reserves133€167k€144k▼
Profit (loss) carried forward14€65k€65k=
Amounts payable17/49€52k€67k▲
Amounts payable after more than one year17€12k€9k▼
Financial debts170/4€12k€9k▼
Amounts payable within one year42/48€41k€58k▲
Current portion of amounts payable after more than one year42€3k€3k▲
Financial debts43-€518
Credit institutions430/8-€518
Trade debts44€11k€9k▼
Suppliers440/4€11k€9k▼
Taxes, remuneration and social security45€17k€17k▼
Taxes450/3€14k€13k▼
Remuneration and social security454/9€3k€4k▲
Other amounts payable47/48€10k€28k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€26k€23k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€11k▲
Other operating charges640/8€787€2k▲
Gross operating margin9900€136k€44k▼
Operating profit (loss)9901€99k€8k▼
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€100k€9k▼
Income taxes67/77€29k€4k▼
Profit (loss) for the period9904€71k€6k▼
Profit (loss) for the period to be appropriated9905€71k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€136k€70k▼
Profit (loss) brought forward from the previous period14P€65k€65k=
Transfer from equity791/2€21k€28k▲
Transfer to equity691/2€71k€6k▼
To other reserves6921€71k€6k▼
Profit to be distributed694/7€21k€28k▲
Return on contributions (dividend)694€21k€28k▲
The notes to these accounts (9 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
22-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €71k ▲101%
Operating result €99k, net result €71k, both a record.
31-12
Financial
Equity above €200kEq €233k ▲27.7%
6 profitable years in a row build equity to €233k.
27-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €167k ▲15.4%
4 profitable years in a row build equity to €167k.
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
31-12
Financial
Equity above €100kEq €109k ▲9.7%
Equity rises from €99k to €109k.
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
09-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Montigny-le-Tilleul · 1 establishment unit since 2011
Ground area
1,355 m²
Building footprint
219 m²
Volume, LiDAR
1,438 m³
2 parcels, Wallonia · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Sandrine DEVOS
since 20112.195.273.811
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52048D0082/00S033 | Wallonia | 1,196 m² | 1 · 169 m² | 8.9 m · 2 fl. |
| 52412A0914/00E002 | Wallonia | 159 m² | 1 · 49 m² | 11.1 m · 3 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.
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Of 3,920 companies in sector 71112 we hold annual accounts for 1,295. 940 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-01-2011
Fiscal year end31-12
Activities, NACEBEL
71112Activities of interior architects
47512Retail sale of household textiles and bedding
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0477-241279