SB Avocat

Active

Private limited companyfounded 20232 yrs activeTreurwilgenlaan 6, 3090 Overijse, BelgiumKBO/BCE: BE 1002.564.977

Summary

SB Avocat has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €97k and a net result of €58k. Its solvency ranks better than 83% of 15367 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).

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Checked score

Score 2024

95 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency100▲+5

Growth78

Track record82

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €9k at 30 days only on tighter terms

Liquidity ample (current ratio 6.76 against 3.3 in 2023; short-term debt: 14.7% and cash: 93.6% of total assets), and 14.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit check for your own amount and term

Signals

Three signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 69

Relative position

BE, all sectors

reference

Sector 69

lower

← fewer bankruptcies more bankruptcies →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 03-07-2025, 28 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

not confirmed

2024

28 d early

2023

20 d early

← before the deadline after the deadline →

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€97k▲ 144%

2023 · €40k

2023: €40k

2023 → 2024

Total assets

€113k▲ 99.1%

2023 · €57k

2023: €57k

2023 → 2024

Net result

€58k▲ 44.7%

2023 · €40k

2023: €40k

2023 → 2024

Working capital

€96k▲ 142%

2023 · €40k

2023: €40k

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232024Trend

Equity€40k-€97k▲ 144%

Operating result€50k-€73k▲ 46.4%

Net result€40k-€58k▲ 44.7%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result rises in 2024; 2024 is 46% above 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €113k

99.2%

Fixed assets €887

Current assets €112k

Equity and liabilities €113k

85.3%

14.7%

Equity €97k ▲ 144%

Debt €17k ▼ 3.7%

Debt's share of the balance-sheet total falls from 30.3% to 14.7%. Equity is higher and debt is lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€73k

Cash flow

€58k

Current ratio

6.76▲

2023 · 3.30

Debt to equity

0.17▼

2023 · 0.44

ROE

59.9%▼

2023 · 100.8%

ROA

51.1%▼

2023 · 70.2%

Interest coverage

401.84

Debt ≤ 1 year

€17k▼

2023 · €17k

Income taxes

€15k▲

2023 · €10k

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Filed annual accounts As filed with the NBB · 2024 against 2023 · 35 lines

Balance sheet Code20232024

Assets

Total assets20/58€57k€113k▲

Fixed assets21/28-€887

Tangible fixed assets22/27-€887

Furniture and vehicles24-€887

Current assets29/58€57k€112k▲

Amounts receivable within one year40/41€1k€5k▲

Trade receivables40€1k€23▼

Other amounts receivable41-€5k

Cash at bank and in hand54/58€56k€106k▲

Deferred charges and accrued income490/1-€2k

Equity and liabilities

Total equity and liabilities10/49€57k€113k▲

Equity10/15€40k€97k▲

Contributions10/11€500€500=

Profit (loss) carried forward14€39k€96k▲

Amounts payable17/49€17k€17k▼

Amounts payable within one year42/48€17k€17k▼

Trade debts44€363€2k▲

Suppliers440/4€363€2k▲

Taxes, remuneration and social security45€12k€9k▼

Taxes450/3€12k€8k▼

Remuneration and social security454/9-€2k

Other amounts payable47/48€5k€5k▲

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€137

Gross operating margin9900€50k€73k▲

Operating profit (loss)9901€50k€73k▲

Financial charges65/66B-€183

Recurring financial charges65-€183

Profit (loss) for the period before taxes9903€50k€73k▲

Income taxes67/77€10k€15k▲

Profit (loss) for the period9904€40k€58k▲

Profit (loss) for the period to be appropriated9905€40k€58k▲

Appropriation of the result

Profit (loss) to be appropriated9906€40k€97k▲

Profit (loss) brought forward from the previous period14P-€39k

Profit to be distributed694/7€833€859▲

Return on contributions (dividend)694€833€859▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

2025

03-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Liquidity doublescurrent ratio 6.76

Current ratio from 3.30 to 6.76; short-term debt falls from €17k to €17k.

11-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

Financial milestoneNBB 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, Overijse · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Treurwilgenlaan 63090 Overijse

Ground area

2,782 m²

Building footprint

372 m²

Volume, LiDAR

3,127 m³

2 parcels, Brussels, Flanders · tallest building 15.6 m, ±5 floors. Linked by address, not a title deed.

1 establishment unit

SB Avocat

Kommandant Lothairelaan 75, 1040 EtterbeekActivities of lawyers

since 20232.352.861.791

2 parcels

Flanders 1 (50%) Brussels 1 (50%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23062M0487/00B000	Flanders	2,190 m²	1 · 182 m²	8.1 m · 1 fl.
21363B0339/00C004	Brussels	592 m²	1 · 190 m²	15.6 m · 5 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.

Similar companies · same sector, comparable size

B.RIGHT LAW

BE 1011.963.881

Oudsbergen · Eq €96,654

Cabinet d'avocats Mesude Kilic

BE 1002.428.880

Etterbeek · Eq €96,639

Of 22,058 companies in sector 69101 we hold annual accounts for 9,052. 7,554 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded22-11-2023

Fiscal year end31-12

Activities, NACEBEL 2025

69101Activities of lawyers

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.