Equity
€80,120 from €257,586 in 2018
Equity fell by 69% in 7 years.
SB - SOFTWARE
Lifetime
19 annual accounts with figures on one time axis, 26 filings since 1999peak €143,358 (2010)
€70,434▲ 78.0%
lowest -€45,754 (2019)
-€332▲ €42,534
peak €257,586 (2018)
€80,120▼ 0.4%
€313,521▼ 16.0%
Board1 name since 1999
1 directorDE CUYPER Peter Rosa
Documentsfilings and deeds
07-04-202623 days before the deadline
2025micro format
Gross margin from €39,566 to €70,434Loss of €332Debts from €373,416 to €313,521Cash from €9,720 to €5,002
Key points
from the 2025 annual accountsLosses
-€177,466 in seven years
Every financial year from 2019 to 2025 closed with a loss. 2019 was the heaviest.
Turnover
≈ €210,000 estimated
The micro format states no turnover.
Debts
€313,521 80% of the balance sheet
Financial debts 47%Suppliers 2%Taxes and wages 3%Other 48%
Of this, €164,585 falls due within a year.
Filings
26 annual accounts since 1999
The last five annual accounts were filed 23 to 111 days before the end of the period.
Position in the sector
€393,641
Larger balance sheet than 85% of companies in telecommunications. Sector median €98,629 · 335 companies.
Checked score
81
Excellent
Financially stronger than 38% of micro companies in telecommunications (NACE 61)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.8% across 527 companies (NACE 61, micro).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%lowest value
01-2025: 0.5%▲ +0.1 percentage points vs 12-2024
02-2025: 0.5%● unchanged vs 01-2025
03-2025: 0.5%● unchanged vs 02-2025
04-2025: 1.1%▲ +0.6 percentage points vs 03-2025
05-2025: 1.1%● unchanged vs 04-2025
06-2025: 1.1%● unchanged vs 05-2025
07-2025: 1.1%● unchanged vs 06-2025
08-2025: 1.1%● unchanged vs 07-2025
09-2025: 1.1%● unchanged vs 08-2025
10-2025: 1.1%● unchanged vs 09-2025
11-2025: 1.1%● unchanged vs 10-2025
12-2025: 1.1%● unchanged vs 11-2025
01-2026: 1.2%▲ +0.1 percentage points vs 12-2025
02-2026: 1.2%● unchanged vs 01-2026
03-2026: 1.1%▼ -0.1 percentage points vs 02-2026
04-2026: 1.4%▲ +0.3 percentage points vs 03-2026highest value
05-2026: 0.5%▼ -0.9 percentage points vs 04-2026
06-2026: 0.5%● unchanged vs 05-2026
07-2026: 0.5%● unchanged vs 06-2026
08-2026: 0.5%● unchanged vs 07-2026
09-2026: 0.5%● unchanged vs 08-2026
10-2026: 0.5%● unchanged vs 09-2026
11-2026: 0.5%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Sector: Telecommunications (NACE 61)
Liquidity: current ratio 0.26, cash €5,002
lowers risk
Size: total assets €393,641
Founded in 1999
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 61, micro). It does better than 33% of them on solvency, 28% on liquidity, 46% on profitability and 43% on growth.
The bankruptcy probability was computed on 08-11-2026 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.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 2,450 companies had the same profile as SB - SOFTWARE has now. Each dot stands for 7 companies, two years later.
93.2%
were still trading
5.0%
stopped another way
1.5%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of SB - SOFTWARE itself: 0.5% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,450 companies, not a prediction for SB - SOFTWARE. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €6,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.26 (0.19 in 2024), below 1. Short-term debt is 41.8% and cash 1.3% of total assets. 79.6% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€332
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 07-04-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 days early
2024
36 days early
2023
83 days early
2022
111 days early
2021
51 days early
2020
45 days early
2019
45 days early
← 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 56 days before the deadline. In the sector (NACE 61), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 10 March (4 of the last 5 accounts filed within 31 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end09-11-2026 today30-04-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0465714816
Appointment: DE CUYPER Peter Rosa (director)
“invoer en verkoop van alcoholische,maar vooral van niet alcoholische wijnen en dranken,het organiseren van…” (deed in Dutch) · General meeting of 29-11-2023 · Gazette deed
First establishment
SB-Software, Verdussenstraat 29, Antwerp
Incorporation
published on 31-03-1999 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SB - SOFTWARE Antwerp | €393,641 | €70,434 | 20.4% | - |
| 2 Consult Lint | €398,488 | €75,487 | 67.4% | - |
| ADW@WORK Jette | €365,568 | €74,240 | 82.6% | - |
| SKYLINE - TELECOM Schaerbeek | €455,747 | €73,130 | 86.9% | - |
| CESAR INFORMATION SERVICES Brussels | €408,722 | €71,590 | 60.2% | - |
| NETSALE-IT Aarschot | €341,552 | €82,906 | 93.2% | - |
| 4BetterResults.be Spiere-Helkijn | €345,527 | €113,628 | 79.9% | - |
These companies have the same main activity as SB - SOFTWARE: wired, wireless and satellite telecommunications (NACE 61100). They are comparable in size and age: total assets between €342,000 and €456,000, founded between 1998 and 2004.
Official details
Source: KBO- Status
- Active since 24-03-1999Normal situation
- Activity
- Wired, wireless and satellite telecommunicationsNACE 61100
- Establishment unit
- 2.090.750.1732018 Antwerp, since 15-04-1999
- Financial year end
- 30 September
- Peppol
- Reachable since 04-11-2025
Annual accounts to 30-09-2025
- €393,641▼ 13.3%
- Filing
- Filed on 07-04-2026, 23 days before the end of the filing period
Insights on SB - SOFTWARE
SB - SOFTWARE files the micro format. That format states no turnover. The gross margin fell from €72,899 in 2006 to €70,434 in 2025.
The balance sheet grew most in 2011 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SB - SOFTWARE
- What is the company number of SB - SOFTWARE?
- The company number of SB - SOFTWARE is 0465.714.816. The VAT number is the same number with BE in front: BE 0465.714.816.
- Where is SB - SOFTWARE based?
- The registered office is at Verdussenstraat 29, 2018 Antwerp.Company details
- What does SB - SOFTWARE do?
- According to the KBO register, the main activity is wired, wireless and satellite telecommunications (NACE 61100).
- What is the legal form of SB - SOFTWARE?
- SB - SOFTWARE is a private limited company (BV).
- When was SB - SOFTWARE founded?
- SB - SOFTWARE was founded on 24-03-1999.
- Is SB - SOFTWARE still active?
- Yes, SB - SOFTWARE is an active enterprise in the KBO register.
- What is the turnover of SB - SOFTWARE?
- The turnover in financial year 2025 is ≈ €210,000. This figure is estimated from the gross margin of €70,434 and 2,666 comparable companies of the same size. It probably lies between €140,000 and €370,000. It is a rough estimate.Financials
- Is SB - SOFTWARE profitable?
- In financial year 2025, SB - SOFTWARE made a loss of €332.
- Where can I find the annual accounts of SB - SOFTWARE?
- SB - SOFTWARE filed 26 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SB - SOFTWARE due?
- SB - SOFTWARE must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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