SB GRAPHICS
ActiveSummary
SB GRAPHICS has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €142,643 and a net result of €23,545. Equity is growing by ~8% per year across the filed fiscal years. Its solvency ranks better than 73% of 2601 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability82▲+6
Solvency88▼-12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11,000 at 30 days acceptable
Liquidity ample (current ratio 3.1 against 11.06 in 2024; short-term debt: 26.5% and cash: 17.7% of total assets), and 37% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← 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
63%
Return on assets
10.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
27 d late
2023
21 d late
2022
79 d late
2021
31 d late
2020
31 d late
2019
31 d 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 36 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 31 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#6 company by equity in Zoersel, Other services sector#9 company by total assets in Zoersel, Other services sector#9 oldest company in Zoersel, Other services sector
Equity
€142,643▼ 16.8%
2024 · €171,548
Total assets
€226,290▲ 20.3%
2024 · €188,135
Net result
€23,545▲ 128%
2024 · €10,321
Working capital
€125,892▼ 24.5%
2024 · €166,838
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€42,767▼ 2.2%€15,070▼ 64.8%€30,761▲ 104%€13,518▼ 56.1%€31,363▲ 132%
Net result€27,936above the sector's middle half▼ 5.1%€10,576within the sector's middle half▼ 62.1%€30,761above the sector's middle half▲ 191%€10,321within the sector's middle half▼ 66.4%€23,545within the sector's middle half▲ 128%
Equity€176,377above the sector's middle half▲ 18.8%€186,953above the sector's middle half▲ 6.0%€200,470above the sector's middle half▲ 7.2%€171,548above the sector's middle half▼ 14.4%€142,643within the sector's middle half▼ 16.8%
Total assets€213,131within the sector's middle half▲ 10.3%€207,975within the sector's middle half▼ 2.4%€231,080within the sector's middle half▲ 11.1%€188,135within the sector's middle half▼ 18.6%€226,290within the sector's middle half▲ 20.3%
Debt€36,754▼ 18.0%€21,023▼ 42.8%€30,610▲ 45.6%€16,586▼ 45.8%€83,647▲ 404%
Working capital€163,922above the sector's middle half▲ 13.3%€179,534above the sector's middle half▲ 9.5%€194,829above the sector's middle half▲ 8.5%€166,838above the sector's middle half▼ 14.4%€125,892above the sector's middle half▼ 24.5%
Solvency82.8%above the sector's middle half▲ 5.9pp89.9%above the sector's middle half▲ 7.1pp86.8%above the sector's middle half▼ 3.1pp91.2%above the sector's middle half▲ 4.4pp63.0%within the sector's middle half▼ 28.1pp
Current ratio5.46above the sector's middle half▲ 1.239.54above the sector's middle half▲ 4.087.36above the sector's middle half▼ 2.1811.06above the sector's middle half▲ 3.693.10above the sector's middle half▼ 7.96
Return on assets (ROA)13.1%above the sector's middle half▼ 2.1pp5.1%within the sector's middle half▼ 8.0pp13.3%within the sector's middle half▲ 8.2pp5.5%within the sector's middle half▼ 7.8pp10.4%within the sector's middle half▲ 4.9pp
Staff (FTE)1=
above
within
below
the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 132% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €226,290
Fixed assets
€40,426 ▲ 758%
Current assets
€185,864 ▲ 1.3%
Equity and liabilities €226,290
Equity
€142,643 ▼ 16.8%
Debt
€83,647 ▲ 404%
Debt's share of the balance-sheet total rises from 8.8% to 37.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€33,666▲
2024 · €14,448
Cash flow
€25,848▲
2024 · €11,251
Quick ratio
3.09▼
2024 · 11.02
Debt to equity
0.59▲
2024 · 0.10
ROE
16.5%▲
2024 · 6.0%
Interest coverage
72.01▼
2024 · 86.83
Debt ≤ 1 year
€59,972▲
2024 · €16,586
Debt > 1 year
€23,675
Income taxes
€7,482▲
2024 · €3,190
Staff costs
€747▲
2024 · €475
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,679 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.8%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,679 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €46,691 | €43,682 | €1,439 | €475 | €747 | ▲ 57.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,991 | €6,156 | €6,156 | €930 | €2,303 | ▲ 148% |
| Other operating charges640/8 | €1,018 | €1,352 | €3,055 | €3,804 | €3,360 | ▼ 11.7% |
| Gross operating margin9900 | €99,466 | €66,260 | €41,410 | €18,726 | €37,773 | ▲ 102% |
| Operating profit (loss)9901 | €42,767 | €15,070 | €30,761 | €13,518 | €31,363 | ▲ 132% |
| Financial income75/76B | €182 | €108 | - | €160 | €131 | ▼ 18.2% |
| Recurring financial income75 | €182 | €108 | - | €160 | €131 | ▼ 18.2% |
| Financial charges65/66B | €475 | €128 | - | €166 | €468 | ▲ 181% |
| Recurring financial charges65 | €475 | €128 | - | €166 | €468 | ▲ 181% |
| Profit (loss) for the period before taxes9903 | €42,473 | €15,050 | €30,761 | €13,511 | €31,027 | ▲ 130% |
| Income taxes67/77 | €14,538 | €4,474 | - | €3,190 | €7,482 | ▲ 135% |
| Profit (loss) for the period9904 | €27,936 | €10,576 | €30,761 | €10,321 | €23,545 | ▲ 128% |
| Profit (loss) for the period to be appropriated9905 | €27,936 | €10,576 | €30,761 | €10,321 | €23,545 | ▲ 128% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €213,131 | €207,975 | €231,080 | €188,135 | €226,290 | ▲ 20.3% |
| Fixed assets21/28 | €12,455 | €7,419 | €5,641 | €4,711 | €40,426 | ▲ 758% |
| Tangible fixed assets22/27 | €12,455 | €7,419 | €5,641 | €4,711 | €40,426 | ▲ 758% |
| Plant, machinery and equipment23 | - | - | - | - | €1,709 | - |
| Furniture and vehicles24 | €12,455 | €7,419 | €1,629 | €699 | €34,706 | ▲ 4,863% |
| Leasing and similar rights25 | - | - | €4,011 | €4,011 | €4,011 | = |
| Current assets29/58 | €200,676 | €200,557 | €225,439 | €183,424 | €185,864 | ▲ 1.3% |
| Amounts receivable after more than one year29 | €166,000 | €166,000 | €166,000 | €138,220 | €106,917 | ▼ 22.6% |
| Other amounts receivable291 | €166,000 | €166,000 | €166,000 | €138,220 | €106,917 | ▼ 22.6% |
| Stocks and contracts in progress3 | €650 | €650 | €650 | €650 | €650 | = |
| Stocks30/36 | €650 | €650 | €650 | €650 | €650 | = |
| Amounts receivable within one year40/41 | €4,032 | €6,020 | €4,082 | €25,047 | €36,149 | ▲ 44.3% |
| Trade receivables40 | €3,122 | €6,020 | €2,818 | €4,105 | €13,915 | ▲ 239% |
| Other amounts receivable41 | €911 | - | €1,264 | €20,942 | €22,234 | ▲ 6.2% |
| Cash at bank and in hand54/58 | €28,529 | €27,887 | €54,708 | €19,401 | €40,129 | ▲ 107% |
| Deferred charges and accrued income490/1 | €1,464 | - | - | €106 | €2,019 | ▲ 1,810% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €213,131 | €207,975 | €231,080 | €188,135 | €226,290 | ▲ 20.3% |
| Equity10/15 | €176,377 | €186,953 | €200,470 | €171,548 | €142,643 | ▼ 16.8% |
| Contributions10/11 | €19,000 | €19,000 | €19,000 | €19,000 | €19,000 | = |
| Reserves13 | €121,453 | €121,453 | €121,453 | €92,211 | €63,306 | ▼ 31.3% |
| Non-distributable reserves130/1 | €1,900 | €1,900 | €1,900 | €1,900 | €1,900 | = |
| Reserves not available under the articles1311 | €1,900 | €1,900 | €1,900 | €1,900 | €1,900 | = |
| Distributable reserves133 | €119,553 | €119,553 | €119,553 | €90,311 | €61,406 | ▼ 32.0% |
| Profit (loss) carried forward14 | €35,923 | €46,499 | €60,016 | €60,337 | €60,337 | = |
| Amounts payable17/49 | €36,754 | €21,023 | €30,610 | €16,586 | €83,647 | ▲ 404% |
| Amounts payable after more than one year17 | - | - | - | - | €23,675 | - |
| Financial debts170/4 | - | - | - | - | €23,675 | - |
| Amounts payable within one year42/48 | €36,754 | €21,023 | €30,610 | €16,586 | €59,972 | ▲ 262% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €5,325 | - |
| Trade debts44 | €4,767 | €2,011 | €4,889 | €5,903 | €30,503 | ▲ 417% |
| Suppliers440/4 | €4,767 | €2,011 | €4,889 | €5,903 | €30,503 | ▲ 417% |
| Taxes, remuneration and social security45 | €28,201 | €19,012 | €11,272 | €2,183 | €9,144 | ▲ 319% |
| Taxes450/3 | €28,201 | €19,012 | €11,272 | €2,183 | €6,298 | ▲ 189% |
| Remuneration and social security454/9 | - | - | - | - | €2,846 | - |
| Other amounts payable47/48 | €3,786 | - | €14,450 | €8,500 | €15,000 | ▲ 76.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €27,936 | €10,576 | €30,761 | €10,321 | €23,545 | ▲ 128% |
| + Depreciation and write-downs630 | €8,991 | €6,156 | €6,156 | €930 | €2,303 | ▲ 148% |
| Operating cash flow (approximation) | €36,927 | €16,732 | €36,917 | €11,251 | €25,848 | ▲ 130% |
| Investment in fixed assets (approximation) | - | -€1,120 | -€4,378 | €0 | -€38,018 | - |
| Change in cash | - | -€642 | €26,821 | -€35,307 | €20,727 | ▲ 159% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
31-12
Financial
Equity above €200,000Eq €200,470 ▲7.2%
6 profitable years in a row build equity to €200,470.
18-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 79 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €150,000Eq €176,377 ▲18.8%
4 profitable years in a row build equity to €176,377.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Highest result since 2018net €32,950 ▲224%
Operating result €48,617, net result €32,950, both a record.
31-12
Financial
Equity above €100,000Eq €119,015 ▲38.3%
2 profitable years in a row build equity to €119,015.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Zoersel · 1 establishment unit since 2009
Ground area
1,072 m²
Building footprint
143 m²
Volume, LiDAR
885 m³
Parcel 11055A0431/00M000, Flanders · tallest building 14.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SB GRAPHICS
since 20092.175.752.362
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11055A0431/00M000 | Flanders | 1,072 m² | 1 · 143 m² | 14.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 2,544 companies in sector 95290 we hold annual accounts for 419. 322 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded07-01-2009
Fiscal year end31-12
Activities, NACEBEL 2025
95290Repair and maintenance of other personal and household goods
95210Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0808882703
Also
9925:BE0808882703
Registered
12-04-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.