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Generated 28-07-2026
Active BE 1007.488.025Private limited company

SBEAR

Rue de Louvranges, Dion-V. 58 ·1325 Chaumont-Gistoux, Belgium· 2 yrs active
Sector: Computer programming & consultancy (62200)
Conclusion Checked

The computed 12-month bankruptcy probability of SBEAR is 0.6% (low). The 2024 annual accounts show equity of €37k and a net result of €34k. Its solvency ranks better than 52% of 7324 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €37k
Net result €34k
Better than sector 52%
Active 2 yrs
Snowflake analysis 5 axes · computed by Checked
Health93Profitability100Solvency92Growth50Stability67
80 / 100

Exceptional profile, strong across almost every axis.

Health 93
Profitability 100
Solvency 92
Growth 50
Stability 67
Bankruptcy probability (12 mo) Checked model v1 · free
0.6% Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2024 · computed
93 / 100 Excellent
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 26-09-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 62, Computer programming & consultancy · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 66.5% 65.1%
better than 52% of 7324 sector peers
Net result €34k €32k
better than 53% of 7321 sector peers
Equity €37k €58k
better than 36% of 7326 sector peers
Gross operating margin €45k €52k
better than 44% of 7315 sector peers
Total assets €56k €103k
better than 24% of 7327 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Revenue-
EBITDA€45k
Net profit€34k
Cash flow€37k
Staff costs-
Income taxes€9k
Dividends-
Total assets€56k
Equity€37k
Debt€19k
of which ≤ 1y€19k
of which > 1y-
Working capital€12k
Employees (FTE)-
Ratios (computed)
2024
Current ratio1.63
Quick ratio1.63
Working capital ratio21.0%
Solvency66.5%
Debt / equity0.50
Long-term debt ratio-
Interest coverage6512.60
Gross margin-
Net margin-
ROA60.3%
ROE90.7%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€56k
Fixed assets 21/28€26k
Tangible fixed assets 22/27€26k
Current assets 29/58€31k
Amounts receivable within one year 40/41€14k
Cash & bank 54/58€17k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€56k
Equity 10/15€37k
Contributions / capital 10/11€4k
Reserves 13€34k
Amounts payable 17/49€19k
Amounts payable within one year 42/48€19k
Trade debts payable within one year 44€146
Income statement
Gross operating margin 9900€45k
Operating result 9901€43k
Financial charges 65€7
Result before taxes 9903€43k
Income taxes 67/77€9k
Net result for the period 9904€34k
Result to be appropriated 9905€34k
Ratios computed by Checked.
Legal Structure
NACE primary Computer programming & consultancy(62200)
Legal form Private limited company(610)
Incorporation24-03-2024
StatusActive
Postal code1325
Establishment units 1 location
SBEAR
Rue de Louvranges, Dion-V. 58, 1325 Chaumont-GistouxOntwerpen en programmeren van computerprogramma's
since 20242.359.192.329
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25025C0064/00D000 Wallonia 1,018 m² 1 · 129 m² 5.0 m · 1 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 3 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
17-12-2025
State Gazette act Registered-office change
v3.2
26-09-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
27-03-2024
State Gazette act Incorporation
oprichting
Belgisch Staatsblad, acts 2 acts
Address history · 1
17-12-2025
v3.2
All acts · 2 updated 7 months ago
2025
17-12-2025 Registered office moved from Bruxelles to Dion-Valmont Registered-office change
  • Rue Edmond Tollenaere 56, 1020 Bruxelles → rue de Louvranges 58, 1325 Dion-Valmont
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "statutaire",
      "new_address": {
        "city": "Dion-Valmont",
        "region": "R\u00E9gion Wallonne",
        "street": "rue de Louvranges",
        "country": "BE",
        "postcode": "1325",
        "box_number": null,
        "street_number": "58"
      },
      "old_address": {
        "city": "Bruxelles",
        "region": null,
        "street": "Rue Edmond Tollenaere",
        "country": "BE",
        "postcode": "1020",
        "box_number": "13",
        "street_number": "56"
      },
      "effective_date": "2025-12-11",
      "evidence_quote": "L\u2019assembl\u00E9e g\u00E9n\u00E9rale d\u00E9cide du transfert du si\u00E8ge avec effet imm\u00E9diat de 1020 Bruxelles, rue Edmond Tollenaere 56 bte 13 \u00E0 1325 Dion-Valmont, rue de Louvranges 58."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "1007.488.025",
    "name_full": "SBEAR",
    "legal_form": "SRL"
  }
}
2024
27-03-2024 Incorporation of a new SRL Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "1020 Bruxelles, Rue Edmond Tollenaere 56 bte 13",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": null,
        "name": "Michel KEMPENEERS",
        "niss": null,
        "address": "1020 Bruxelles (Laeken), Rue Edmond Tollenaere 56 b013"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 3500,
      "holder_person_name": "Michel KEMPENEERS",
      "is_subscriber_only": true,
      "n_shares_subscribed": 100,
      "amount_subscribed_eur": 3500,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 3500,
  "subject_company": {
    "kbo": "1007.488.025",
    "name_full": "SBEAR",
    "legal_form": "SRL"
  },
  "initial_directors": [],
  "incorporation_date": "2024-03-19",
  "post_incorporation_mandates": []
}
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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Computerconsultancy-activiteiten62020Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Ontwerpen en programmeren van computerprogramma's62010Beheer van computerfaciliteiten62030Ontwerpen van computerprogramma’s62100Computerinfrastructuur, gegevensverwerking, hosting en aanverwante activiteiten63100Gegevensverwerking, webhosting en aanverwante activiteiten63110Webportalen63120Activiteiten van webportalen63910Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
Legal nameFR SBEAR
Registered office
Rue de Louvranges, Dion-V. 58
1325 Chaumont-Gistoux, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative