SBK GROUP
ActiveThe computed 12-month bankruptcy probability of SBK GROUP is 6.1% (elevated). The 2024 annual accounts show equity of €16k and a net result of €14k. Equity is shrinking by ~19.9% per year across the filed fiscal years. Its solvency ranks better than 51% of 6717 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+100
Solvency63▲+32
Growth58▲+26
Track record94
Bankruptcy probability, 12 months
6.1%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.78 against 0.16 in 2023; short-term debt: 61.5% and cash: 10.5% of total assets), and 61.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+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 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
38.5%
Return on assets
33.3%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
8 d early
2022
on the day
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€16k▲ 644%
2023 · €2k
2022: €22k
2023: €2k
2022 → 2024
Total assets
€41k▲ 8.1%
2023 · €38k
2022: €69k
2023: €38k
2022 → 2024
Net result
€14k
2023 · €-20k
2022: €12k
2023: €-20k
2022 → 2024
Working capital
€-6k▲ 73.0%
2023 · €-21k
2022: €8k
2023: €-21k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€22k-€2k▼ 90.4%€16k▲ 644%
Operating result€17k-€-18k€23k
Net result€12k-€-20k€14k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €23k after a loss of €18k in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €41k
Fixed assets
€22k▼ 36.8%
Current assets
€20k▲ 379%
Equity and liabilities €41k
Equity
€16k▲ 644%
Debt
€25k▼ 29.6%
The debt ratio falls from 94.4% to 61.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€36k▲
2023 · €-6k
Cash flow
€26k▲
2023 · €-8k
Solvency
38.5%▲
2023 · 5.6%
Current ratio
0.78▲
2023 · 0.16
Quick ratio
0.78▲
2023 · 0.16
Debt / equity
1.60▼
2023 · 16.89
ROE
86.6%▲
2023 · -941.1%
ROA
33.3%▲
2023 · -52.6%
Interest coverage
10.21▲
2023 · -3.65
Debt
€25k▼
2023 · €36k
Debt ≤ 1 year
€25k▲
2023 · €25k
Income taxes
€6k▲
2023 · €383
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€38k€41k▲
Fixed assets21/28€34k€22k▼
Tangible fixed assets22/27€25k€13k▼
Leasing and similar rights25€25k€13k▼
Financial fixed assets28€9k€9k=
Current assets29/58€4k€20k▲
Amounts receivable within one year40/41€867€14k▲
Trade receivables40€867€14k▲
Cash at bank and in hand54/58€3k€4k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€38k€41k▲
Equity10/15€2k€16k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€-8k€6k▲
Amounts payable17/49€36k€25k▼
Amounts payable after more than one year17€11k-
Financial debts170/4€11k-
Amounts payable within one year42/48€25k€25k▲
Current portion of amounts payable after more than one year42€11k€11k▼
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€7k€12k▲
Taxes450/3€7k€12k▲
Other amounts payable47/48€3k€871▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k=
Other operating charges640/8€4k€10k▲
Gross operating margin9900€-1k€45k▲
Operating profit (loss)9901€-18k€23k▲
Financial income75/76B€41-
Recurring financial income75€41-
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€-20k€20k▲
Income taxes67/77€383€6k▲
Profit (loss) for the period9904€-20k€14k▲
Profit (loss) for the period to be appropriated9905€-20k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€6k▲
Profit (loss) brought forward from the previous period14P€12k€-8k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-20k ▼265%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Anderlecht · 1 establishment unit since 2021
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.
Missionarissenlaan 221070 AnderlechtGround area
554 m²
Building footprint
182 m²
Volume, LiDAR
2,127 m³
Parcel 21302A0019/00W016, Brussels · tallest building 13.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
SBK GROUP
since 20212.325.038.431
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21302A0019/00W016 | Brussels | 554 m² | 1 · 181 m² | 13.0 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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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BE 0640.926.411
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G.H. COMPANY
BE 1012.616.949
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NIL-TRANS
BE 0524.822.260
Schaarbeek · Eq €16k
MONTFORT Démolition & Terrassement
BE 0764.751.265
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Of 12,606 companies in sector 49410 we hold annual accounts for 8,199. 4,615 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-10-2021
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.