SBK
ActiveSummary
The computed 12-month bankruptcy probability of SBK is 1.5% (moderate). The 2025 annual accounts show equity of €121k and a net result of €22k. Equity is growing by ~18% per year across the filed fiscal years. Its solvency ranks better than 95% of 13417 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability89▼-3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 8.25 against 5.06 in 2024; short-term debt: 10.7% and cash: 1.2% of total assets), and 10.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more 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
89.3%
Return on assets
16%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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 · 8 filingsDeviation from the deadline
2025
21 d late
2024
33 d early
2023
44 d early
2022
29 d late
2021
136 d late
2020
72 d late
2019
437 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€121k▲ 21.9%
2024 · €99k
2018: €40klowest in 8 years
2019: €42k▲ +3.8% vs 2018
2020: €43k▲ +2.3% vs 2019
2021: €43k▲ +0.5% vs 2020
2022: €43k▲ +1.3% vs 2021
2023: €76k▲ +75.8% vs 2022
2024: €99k▲ +30.1% vs 2023
2025: €121k▲ +21.9% vs 2024highest in 8 years
2018 → 2025
Total assets
€136k▲ 12.1%
2024 · €121k
2018: €40klowest in 8 years
2019: €43k▲ +6.8% vs 2018
2020: €63k▲ +47.0% vs 2019
2021: €62k▼ -2.4% vs 2020
2022: €65k▲ +5.5% vs 2021
2023: €99k▲ +52.6% vs 2022
2024: €121k▲ +21.9% vs 2023
2025: €136k▲ +12.1% vs 2024highest in 8 years
2018 → 2025
Net result
€22k▼ 5.3%
2024 · €23k
2018: €196lowest in 8 years
2019: €2k▲ +676% vs 2018
2020: €962▼ -36.9% vs 2019
2021: €223▼ -76.8% vs 2020
2022: €551▲ +147% vs 2021
2023: €33k▲ +5876% vs 2022highest in 8 years
2024: €23k▼ -30.2% vs 2023
2025: €22k▼ -5.3% vs 2024
2018 → 2025
Working capital
€106k▲ 19.9%
2024 · €88k
2018: €40klowest in 8 years
2019: €43k▲ +5.9% vs 2018
2020: €43k▲ +0.2% vs 2019
2021: €43k▲ +0.5% vs 2020
2022: €41k▼ -5.4% vs 2021
2023: €74k▲ +82.8% vs 2022
2024: €88k▲ +19.0% vs 2023
2025: €106k▲ +19.9% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€43k-€43k▲ 1.3%€76k▲ 75.8%€99k▲ 30.1%€121k▲ 21.9%
2021: €43klowest in 5 years
2022: €43k▲ +1.3% vs 2021
2023: €76k▲ +75.8% vs 2022
2024: €99k▲ +30.1% vs 2023
2025: €121k▲ +21.9% vs 2024highest in 5 years
Operating result€311-€748▲ 141%€45k▲ 5,962%€27k▼ 40.3%€31k▲ 13.9%
2021: €311lowest in 5 years
2022: €748▲ +141% vs 2021
2023: €45k▲ +5962% vs 2022highest in 5 years
2024: €27k▼ -40.3% vs 2023
2025: €31k▲ +13.9% vs 2024
Net result€223-€551▲ 147%€33k▲ 5,876%€23k▼ 30.2%€22k▼ 5.3%
2021: €223lowest in 5 years
2022: €551▲ +147% vs 2021
2023: €33k▲ +5876% vs 2022highest in 5 years
2024: €23k▼ -30.2% vs 2023
2025: €22k▼ -5.3% vs 2024
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 14% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €136k
Fixed assets
€15k ▲ 37.8%
Current assets
€120k ▲ 9.5%
Equity and liabilities €136k
Equity
€121k ▲ 21.9%
Debt
€15k ▼ 32.9%
Debt's share of the balance-sheet total falls from 17.9% to 10.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€32k▲
2024 · €28k
Cash flow
€23k▼
2024 · €24k
Current ratio
8.25▲
2024 · 5.06
Quick ratio
8.05▲
2024 · 4.92
Debt to equity
0.12▼
2024 · 0.22
ROE
18.0%▼
2024 · 23.1%
ROA
16.0%▼
2024 · 19.0%
Interest coverage
584.22▲
2024 · 255.05
Debt ≤ 1 year
€15k▼
2024 · €22k
Income taxes
€14k▲
2024 · €9k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€121k€136k▲
Fixed assets21/28€11k€15k▲
Tangible fixed assets22/27€11k€15k▲
Plant, machinery and equipment23€8k€11k▲
Furniture and vehicles24€935€4k▲
Other tangible fixed assets26€2k-
Current assets29/58€110k€120k▲
Stocks and contracts in progress3€3k€3k=
Stocks30/36€3k€3k=
Amounts receivable within one year40/41€106k€116k▲
Other amounts receivable41€106k€116k▲
Cash at bank and in hand54/58€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€121k€136k▲
Equity10/15€99k€121k▲
Contributions10/11€40k€40k=
Reserves13€86€30k▲
Non-distributable reserves130/1-€86
Other1319-€86
Distributable reserves133€86€30k▲
Profit (loss) carried forward14€59k€51k▼
Amounts payable17/49€22k€15k▼
Amounts payable within one year42/48€22k€15k▼
Trade debts44-€491
Suppliers440/4-€491
Taxes, remuneration and social security45€22k€14k▼
Taxes450/3€22k€14k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€628€2k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€30k€34k▲
Operating profit (loss)9901€27k€31k▲
Financial income75/76B€6k€6k▲
Recurring financial income75€6k€6k▲
Financial charges65/66B€109€867▲
Recurring financial charges65€109€56▼
Non-recurring financial charges66B-€811
Profit (loss) for the period before taxes9903€32k€36k▲
Income taxes67/77€9k€14k▲
Profit (loss) for the period9904€23k€22k▼
Profit (loss) for the period to be appropriated9905€23k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€59k€81k▲
Profit (loss) brought forward from the previous period14P€36k€59k▲
Transfer to equity691/2-€30k
To other reserves6921-€30k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €2 | €554 | €628 | €2k | ▲ 158% |
| Other operating charges640/8 | €569 | €1k | €2k | €2k | €2k | ▼ 25.3% |
| Gross operating margin9900 | €879 | €2k | €47k | €30k | €34k | ▲ 14.1% |
| Operating profit (loss)9901 | €311 | €748 | €45k | €27k | €31k | ▲ 13.9% |
| Financial income75/76B | - | - | €20 | €6k | €6k | ▲ 7.2% |
| Recurring financial income75 | - | - | €20 | €6k | €6k | ▲ 7.2% |
| Financial charges65/66B | €7 | - | €130 | €109 | €867 | ▲ 699% |
| Recurring financial charges65 | €7 | - | €130 | €109 | €56 | ▼ 48.8% |
| Non-recurring financial charges66B | - | - | - | - | €811 | - |
| Profit (loss) for the period before taxes9903 | €304 | €748 | €45k | €32k | €36k | ▲ 10.5% |
| Income taxes67/77 | €81 | €196 | €12k | €9k | €14k | ▲ 48.7% |
| Profit (loss) for the period9904 | €223 | €551 | €33k | €23k | €22k | ▼ 5.3% |
| Profit (loss) for the period to be appropriated9905 | €223 | €551 | €33k | €23k | €22k | ▼ 5.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €62k | €65k | €99k | €121k | €136k | ▲ 12.1% |
| Fixed assets21/28 | - | €3k | €4k | €11k | €15k | ▲ 37.8% |
| Tangible fixed assets22/27 | - | €3k | €4k | €11k | €15k | ▲ 37.8% |
| Plant, machinery and equipment23 | - | - | - | €8k | €11k | ▲ 40.2% |
| Furniture and vehicles24 | - | - | €1k | €935 | €4k | ▲ 358% |
| Other tangible fixed assets26 | - | €3k | €3k | €2k | - | - |
| Current assets29/58 | €62k | €62k | €96k | €110k | €120k | ▲ 9.5% |
| Stocks and contracts in progress3 | - | - | €3k | €3k | €3k | = |
| Stocks30/36 | - | - | €3k | €3k | €3k | = |
| Amounts receivable within one year40/41 | €59k | €59k | €84k | €106k | €116k | ▲ 9.3% |
| Trade receivables40 | - | - | €6k | - | - | - |
| Other amounts receivable41 | €59k | €59k | €78k | €106k | €116k | ▲ 9.3% |
| Cash at bank and in hand54/58 | €4 | - | €4k | €1k | €2k | ▲ 53.1% |
| Deferred charges and accrued income490/1 | €3k | €3k | €5k | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €62k | €65k | €99k | €121k | €136k | ▲ 12.1% |
| Equity10/15 | €43k | €43k | €76k | €99k | €121k | ▲ 21.9% |
| Contributions10/11 | €40k | €40k | €40k | €40k | €40k | = |
| Reserves13 | €86 | €86 | €86 | €86 | €30k | ▲ 34,888% |
| Non-distributable reserves130/1 | €86 | €86 | - | - | €86 | - |
| Reserves not available under the articles1311 | €86 | €86 | - | - | - | - |
| Other1319 | - | - | - | - | €86 | - |
| Distributable reserves133 | - | - | €86 | €86 | €30k | ▲ 34,788% |
| Profit (loss) carried forward14 | €3k | €3k | €36k | €59k | €51k | ▼ 13.9% |
| Amounts payable17/49 | €19k | €22k | €23k | €22k | €15k | ▼ 32.9% |
| Amounts payable within one year42/48 | €19k | €22k | €21k | €22k | €15k | ▼ 32.9% |
| Trade debts44 | €3k | €8k | €9k | - | €491 | - |
| Suppliers440/4 | €3k | €8k | €9k | - | €491 | - |
| Taxes, remuneration and social security45 | €313 | €271 | €13k | €22k | €14k | ▼ 35.1% |
| Taxes450/3 | €313 | €271 | €13k | €22k | €14k | ▼ 35.1% |
| Other amounts payable47/48 | €15k | €13k | - | - | - | - |
| Accrued charges and deferred income492/3 | - | - | €2k | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €223 | €551 | €33k | €23k | €22k | ▼ 5.3% |
| + Depreciation and write-downs630 | - | €2 | €554 | €628 | €2k | ▲ 158% |
| Operating cash flow (approximation) | €223 | €554 | €34k | €24k | €23k | ▼ 1.0% |
| Investment in fixed assets (approximation) | - | - | €-2k | €-8k | €-6k | ▲ 26.5% |
| Change in cash | - | - | - | €-2k | €586 | ▲ 124% |
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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
31-12
Financial
Equity above €100kEq €121k ▲21.9%
8 profitable years in a row build equity to €121k.
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €33k ▲5,876%
Operating result €45k, net result €33k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
14-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 136 days late
2021
11-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 72 days late
11-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 437 days late
2020
25-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 238 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Beringen · 1 establishment unit since 2018
Ground area
147 m²
Building footprint
146 m²
Volume, LiDAR
983 m³
Parcel 71382C0593/00W000, Flanders · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SBK
since 20182.274.443.528
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71382C0593/00W000 | Flanders | 147 m² | 1 · 146 m² | 10.8 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBeringen2.274.443.528
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Of 20,501 companies in sector 56111 we hold annual accounts for 11,452. 9,341 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
Founded11-01-2018
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Scores and ratios are computed by Checked and are not a credit decision.