SB BELOR

Active

Private limited company (pre-2019)founded 2012active for 13 yearsAvenue Jean Caluwaert 18, 6042 Charleroi, BelgiumKBO/BCE: BE 0500.760.124

Summary

The computed 12-month bankruptcy probability of SB BELOR is 2.5% (moderate). The 2025 annual accounts show negative equity (-€1,812) and a net result of -€1,390. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 34,678 sector peers (NACE 43, financial year 2025). The company has been active since 2012 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

SB BELORActiveChecked score 49/100

Risk analysis Report Compare

Activity

Joinery installation

NACE 43320

1 site

Size

€39total assets 2025

Equity: -€1,812
Loss: -€1,390

Turnover not published (micro format)

Financial health

49 Fair Checked score 2025

Bankruptcy probabilitywithin 12 months: 2.5%

Structure

2025 accounts filed 27 days late1 deed in the Belgian Official Gazette

Why 49raises riskLoss of €1,390 (financial year 2025)Liquidity: current ratio 0.02Last filed accounts filed 27 days late; 1 of the last 3 latelowers riskSize: total assets €39Show the evidence

Checked score

Score 2025

49 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 2% of its sector peers (NACE 43, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Weak

Solvency 0-17

equity -4707.2% of total assets

Liquidity 0=

short-term debt 4807.2%

Profitability 0-100

return on assets -3611.4%

Bankruptcy probability, 12 months

2.5% Moderate

0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,613 companies, NACE 43, micro)

Last 24 months 11-2024: 3.4% 12-2024: 3.4%● unchanged vs 11-2024 01-2025: 3.4%● unchanged vs 12-2024 02-2025: 3.4%● unchanged vs 01-2025 03-2025: 3.4%● unchanged vs 02-2025 04-2025: 3.4%● unchanged vs 03-2025 05-2025: 3.2%▼ -0.2 percentage points vs 04-2025 06-2025: 3.2%● unchanged vs 05-2025 07-2025: 3.4%▲ +0.2 percentage points vs 06-2025 08-2025: 3.6%▲ +0.2 percentage points vs 07-2025highest value 09-2025: 3.4%▼ -0.2 percentage points vs 08-2025 10-2025: 1.6%▼ -1.8 percentage points vs 09-2025 11-2025: 1.6%● unchanged vs 10-2025 12-2025: 1.6%● unchanged vs 11-2025 01-2026: 1.6%● unchanged vs 12-2025 02-2026: 1.6%● unchanged vs 01-2026 03-2026: 1.6%● unchanged vs 02-2026 04-2026: 1.6%● unchanged vs 03-2026 05-2026: 1.6%● unchanged vs 04-2026 06-2026: 1.5%▼ -0.1 percentage points vs 05-2026lowest value 07-2026: 1.6%▲ +0.1 percentage points vs 06-2026 08-2026: 2.3%▲ +0.7 percentage points vs 07-2026 09-2026: 2.5%▲ +0.2 percentage points vs 08-2026 10-2026: 2.5%● unchanged vs 09-2026

No credit on open account

balance sheet total too small for a liquidity verdict, and equity is negative.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 43, micro): better than 3% on solvency, 1% on liquidity, 4% on profitability and 1% on growth.

The bankruptcy probability was computed on 23-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

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Signals

Six signals.

lowers riskraises risk

Size: total assets €39

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Loss of €1,390 (financial year 2025)

NBB · annual accounts

Liquidity: current ratio 0.02

NBB · annual accounts

Last filed accounts filed 27 days late; 1 of the last 3 late

NBB · filings

Negative equity

The 2025 annual accounts show negative equity and a net loss.

NBB · annual accounts 2025

Equity per financial year

1819202122232425

2018 to 2025 · latest year -€1,812

2025 accounts filed 27 days late

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 10 filings

Deviation from the deadline

2025

27 days late

2024

28 days late

2023

36 days late

2022

32 days late

2021

59 days late

2020

51 days late

2019

44 days late

← 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 40 days after the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)

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 1 September (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

24-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

27-08-2026 Annual accounts filedfinancial year 2025 · micro…
28-08-2025 Annual accounts filedfinancial year 2024 · micro…
31-12-2024 Back to profitnet €3,523

Key points

Risk: Negative equityfinancial year 2025: debts exceed assets -€1,812 View
Caution: Among the weakest 5% on solvencysector median 46.8% · 34,678 companies -4707.2% View
Total assets 20256 financial years filed €39 View

By topic

Financials

Financial year: 2025
Total assets: €39
Loss: -€1,390
Solvency: -4707.2%

Turnover▼ 65.7%

Net result

20182021

Go to Financials

Timeline

Events: 16
Since: 2014
Next accounts: by 31-07-2027

05-09-2024Annual accounts filed
01-09-2023Annual accounts filed
28-09-2022Annual accounts filed

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company (pre-2019)
Activity: Joinery installationNACE 43320
Founded: 13-11-2012
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Key facts about SB BELOR

What is the company number of SB BELOR?: 0500.760.124. In Belgium the VAT number is the company number with BE in front: BE 0500.760.124.
Where is SB BELOR based?: The registered office is at Avenue Jean Caluwaert 18, 6042 Charleroi.Company details
What does SB BELOR do?: According to the KBO register, the main activity is joinery installation (NACE 43320).
What is the legal form of SB BELOR?: Private limited company (pre-2019) (BVBA).
When was SB BELOR founded?: On 13-11-2012.
Is SB BELOR still active?: Yes, SB BELOR is an active enterprise in the KBO register.
What is the turnover of SB BELOR?: €30,152 in financial year 2021, according to the filed annual accounts.Financials
Is SB BELOR profitable?: In financial year 2025, SB BELOR made a loss of €1,390.
Where can I find the annual accounts of SB BELOR?: SB BELOR filed 13 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of SB BELOR due?: By 31-07-2027, for financial year 2026.Timeline