SBC Group

Active

Private limited companyfounded 200916 yrs activeVeenderweg 26, 3550 Heusden-Zolder, BelgiumKBO/BCE: BE 0821.696.403

SBC Group has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €45k and a net result of €2k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 32% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

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Checked score

Score 2025

71 / 100

Healthy

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

Axes · tick = 2024

Profitability64▼-36

Solvency58▼-10

Growth78=

Track record100

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €3k at 30 days acceptable

Liquidity short (current ratio 1.0 against 1.46 in 2024; short-term debt: 59% and cash: 40.5% of total assets), and 66.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Eight 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 68

Relative position

BE, all sectors

reference

Sector 68

lower

← fewer bankruptcies more bankruptcies →

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

33.3%

Return on assets

1.2%

Age of the figures

9 mo

Growing equity

Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.

NBB · annual accounts 2025

Equity per financial year

1819202122232425

2018 to 2025 · latest year €45k

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-04-2026, 114 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

114 d early

2024

92 d early

2023

55 d early

2022

39 d early

2021

32 d early

2020

39 d early

2019

14 d late

← before the deadline after the deadline →

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 months

Position in the running window

16-09-2026 today31-12-2026 close31-07-2027 deadline

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 2025, micro schema

Equity

€45k▲ 3.9%

2024 · €43k

2018: €27k 2019: €10k 2020: €6k 2021: €9k 2022: €10k 2023: €16k 2024: €43k

2018 → 2025

Total assets

€135k▲ 34.3%

2024 · €100k

2018: €93k 2019: €10k 2020: €6k 2021: €65k 2022: €29k 2023: €108k 2024: €100k

2018 → 2025

Net result

€2k▼ 93.8%

2024 · €27k

2018: €-613 2019: €-17k 2020: €-4k 2021: €3k 2022: €528 2023: €6k 2024: €27k

2018 → 2025

Working capital

€-134

2024 · €23k

2018: €27k 2021: €-5k 2022: €-2k 2023: €-5k 2024: €23k

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€9k-€10k▲ 5.6%€16k▲ 62.2%€43k▲ 167%€45k▲ 3.9%

Operating result€4k-€2k▼ 46.6%€10k▲ 377%€39k▲ 285%€4k▼ 88.4%

Net result€3k-€528▼ 83.5%€6k▲ 1,076%€27k▲ 335%€2k▼ 93.8%

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

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 88% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €135k

41.1%

58.9%

Fixed assets €55k▲ 99.6%

Current assets €79k▲ 9.4%

Equity and liabilities €135k

33.3%

66.7%

Equity €45k▲ 3.9%

Debt €90k▲ 57.2%

The debt ratio rises from 57.0% to 66.7%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€11k▼

2024 · €43k

Cash flow

€8k▼

2024 · €32k

Solvency

33.3%▼

2024 · 43.0%

Current ratio

1.00▼

2024 · 1.46

Quick ratio

1.00▼

2024 · 1.46

Debt / equity

2.01▲

2024 · 1.33

ROE

3.7%▼

2024 · 62.5%

ROA

1.2%▼

2024 · 26.9%

Interest coverage

5.30▼

2024 · 36.82

Debt

€90k▲

2024 · €57k

Debt ≤ 1 year

€80k▲

2024 · €50k

Debt > 1 year

€10k▲

2024 · €7k

Income taxes

€769▼

2024 · €11k

Staff costs

€42k▲

2024 · €40k

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€100k€135k▲

Fixed assets21/28€28k€55k▲

Intangible fixed assets21€790€204▼

Tangible fixed assets22/27€27k€52k▲

Plant, machinery and equipment23€1k€13k▲

Furniture and vehicles24€10k€13k▲

Other tangible fixed assets26€16k€27k▲

Financial fixed assets28-€3k

Current assets29/58€73k€79k▲

Amounts receivable within one year40/41€24k€14k▼

Trade receivables40€23k€13k▼

Other amounts receivable41€437€731▲

Cash at bank and in hand54/58€41k€55k▲

Deferred charges and accrued income490/1€8k€11k▲

Equity and liabilities

Total equity and liabilities10/49€100k€135k▲

Equity10/15€43k€45k▲

Contributions10/11€50k€50k=

Profit (loss) carried forward14€-7k€-5k▲

Amounts payable17/49€57k€90k▲

Amounts payable after more than one year17€7k€10k▲

Financial debts170/4€7k€10k▲

Amounts payable within one year42/48€50k€80k▲

Current portion of amounts payable after more than one year42€4k€6k▲

Trade debts44€16k€8k▼

Suppliers440/4€16k€8k▼

Taxes, remuneration and social security45€24k€16k▼

Taxes450/3€19k€9k▼

Remuneration and social security454/9€5k€8k▲

Other amounts payable47/48€6k€49k▲

Income statement Code20242025

Remuneration, social security and pensions62€40k€42k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€7k▲

Other operating charges640/8€1k€2k▲

Gross operating margin9900€85k€55k▼

Operating profit (loss)9901€39k€4k▼

Financial income75/76B€36€36▲

Recurring financial income75€36€36▲

Financial charges65/66B€1k€2k▲

Recurring financial charges65€1k€2k▲

Profit (loss) for the period before taxes9903€38k€2k▼

Income taxes67/77€11k€769▼

Profit (loss) for the period9904€27k€2k▼

Profit (loss) for the period to be appropriated9905€27k€2k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-7k€-5k▲

Profit (loss) brought forward from the previous period14P€-34k€-7k▲

The notes to these accounts (15 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 13Financial 3Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

08-04

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-04

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Highest result since 2018net €27k ▲335%

Operating result €39k, net result €27k, both a record.

06-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

22-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

29-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

31-12

Financial Back to profitnet €3k

Net result €3k after 3 loss-making years.

22-06

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

14-08

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 14 days late

2019

31-12

Financial Weakest financial yearnet €-17k

Net result drops to €-17k, the lowest in the series; recovery starts the following year.

09-07

NBB filing Annual accounts filed

fiscal year 2018 · abbreviated schema

2018

14-08

NBB filing Annual accounts filed

fiscal year 2017 · abbreviated schema · 14 days late

2017

17-08

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema · 17 days late

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, Heusden-Zolder · 3 establishment units since 2010

establishment All 3 establishment units 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.

Veenderweg 263550 Heusden-Zolder

Ground area

4,499 m²

Building footprint

1,150 m²

Volume, LiDAR

11,067 m³

3 parcels, Flanders · tallest building 19.3 m, ±5 floors. Linked by address, not a title deed.

3 establishment units

SBC Group

Veenderweg 26, 3550 Heusden-ZolderReal estate activities

since 20102.183.856.218

SBC Group

Halveweg 112, 3520 ZonhovenReal estate activities

since 20232.340.266.243

SBC Vastgoed

Ringlaan 36, 3560 LummenReal estate agency activities

since 20252.375.532.275

3 parcels

Flanders 3 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71542D1623/00N000	Flanders	2,989 m²	1 · 879 m²	19.3 m · 5 fl.
71025A1974/00B000	Flanders	901 m²	1 · 142 m²	9.6 m · 2 fl.
71066B0868/00E002	Flanders	609 m²	1 · 128 m²	9.7 m · 2 fl.