SBM SERVICES
ActiveThe computed 12-month bankruptcy probability of SBM SERVICES is 2.7% (moderate). The 2024 annual accounts show equity of €19k and a net result of €19k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 38% of 18941 sector peers (fiscal year 2024). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability88▲+88
Solvency40▲+15
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.7 against 0.54 in 2023; short-term debt: 84.6% and cash: 34.6% of total assets), and 84.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
15.4%
Return on assets
15.5%
Age of the figures
21 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 25-06-2025, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
36 d early
2023
29 d late
2022
34 d early
2021
23 d late
2020
30 d late
2019
25 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€19k
2023 · €-216
2018: €12k
2019: €5k
2020: €2k
2021: €-3k
2022: €13k
2023: €-216
2018 → 2024
Total assets
€124k▼ 4.8%
2023 · €130k
2018: €65k
2019: €39k
2020: €54k
2021: €29k
2022: €121k
2023: €130k
2018 → 2024
Net result
€19k
2023 · €-22k
2018: €-15k
2019: €-7k
2020: €-3k
2021: €-6k
2022: €16k
2023: €-22k
2018 → 2024
Working capital
€-32k▲ 47.3%
2023 · €-60k
2018: €344
2019: €-3k
2020: €-97
2021: €-5k
2022: €-48k
2023: €-60k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€2k-€-3k€13k€-216€19k
Operating result€-2k-€-5k▼ 162%€16k€-21k€20k
Net result€-3k-€-6k▼ 99.0%€16k€-22k€19k
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: €20k after a loss of €21k in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €124k
Fixed assets
€51k▼ 15.3%
Current assets
€73k▲ 4.1%
Equity and liabilities €124k
Equity
€19k
Debt
€105k
Debt finances 84.6% of the balance-sheet total.
Key figures and ratios
EBITDA
€30k▲
2023 · €-12k
Cash flow
€28k▲
2023 · €-13k
Solvency
15.4%▲
2023 · -0.2%
Current ratio
0.70▲
2023 · 0.54
Quick ratio
0.61▲
2023 · 0.45
Debt / equity
5.51
ROE
101.1%
ROA
15.5%▲
2023 · -16.9%
Interest coverage
26.01▲
2023 · -11.07
Debt
€105k▼
2023 · €131k
Debt ≤ 1 year
€105k▼
2023 · €131k
Income taxes
€0▼
2023 · €60
Staff costs
€36k▲
2023 · €32k
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€130k€124k▼
Fixed assets21/28€60k€51k▼
Intangible fixed assets21€40k€35k▼
Tangible fixed assets22/27€20k€15k▼
Land and buildings22€14k€12k▼
Plant, machinery and equipment23€6k€3k▼
Current assets29/58€70k€73k▲
Stocks and contracts in progress3€11k€9k▼
Stocks30/36€11k€9k▼
Amounts receivable within one year40/41€18k€19k▲
Trade receivables40€2k€6k▲
Other amounts receivable41€16k€13k▼
Cash at bank and in hand54/58€39k€43k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€130k€124k▼
Equity10/15€-216€19k▲
Contributions10/11€6k€6k=
Reserves13€11k€11k=
Distributable reserves133€11k€11k=
Profit (loss) carried forward14€-18k€2k▲
Amounts payable17/49€131k€105k▼
Amounts payable within one year42/48€131k€105k▼
Trade debts44€48k€17k▼
Suppliers440/4€48k€17k▼
Taxes, remuneration and social security45€7k€13k▲
Taxes450/3€1k€5k▲
Remuneration and social security454/9€6k€8k▲
Other amounts payable47/48€76k€75k▼
Income statement
Code20232024
Remuneration, social security and pensions62€32k€36k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▲
Other operating charges640/8€4k€3k▼
Gross operating margin9900€25k€69k▲
Operating profit (loss)9901€-21k€20k▲
Financial income75/76B€27€33▲
Recurring financial income75€27€33▲
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€-22k€19k▲
Income taxes67/77€60€0▼
Profit (loss) for the period9904€-22k€19k▲
Profit (loss) for the period to be appropriated9905€-22k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-18k€2k▲
Profit (loss) brought forward from the previous period14P€4k€-18k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-22k ▼240%
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €16k
Net result €16k after 4 loss-making years.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
29-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Couvin · 2 establishment units since 2014
Ground area
353 m²
Building footprint
260 m²
3 parcels, Wallonia. Linked by address, not a title deed.
2 establishment units
Place Général-Piron 4, 5660 Couvin
since 20142.230.609.030
La Source
since 20222.331.911.078
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93014F0108/00G000 | Wallonia | 169 m² | 1 · 77 m² | - |
| 93014F0096/00A000 ProtectedMonument |
Wallonia | 112 m² | 1 · 108 m² | - |
| 93014F0676/00P000 | Wallonia | 72 m² | 1 · 75 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteCouvin2.230.609.030
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Of 20,506 companies in sector 56111 we hold annual accounts for 11,453. 8,678 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-05-2014
Fiscal year end31-12
Abbreviation FR
SBM
Activities, NACEBEL
47300Retail sale of automotive fuel
56101Full-service restaurants
56111Full-service restaurants
47120Other non-specialised retail sale
47191Retail trade
47242Retail sale of chocolate and confectionery
47252Retail sale of beverages, general range
47260Retail trade
56301Cafés and bars
92000Gambling and betting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0476/55.49.55