SBMK
ActiveSummary
SBMK has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16k and a net result of €13k. Its solvency ranks better than 45% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency77
Growth-
Track record67
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.06; short-term debt: 34.1% and cash: 49.6% of total assets), and 47.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
52.1%
Return on assets
42.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 · 1 filingDeviation from the deadline
2025
20 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€16k
Total assets
€31k
Net result
€13k
Working capital
€11k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €31k
Fixed assets
€9k
Current assets
€22k
Equity and liabilities €31k
Equity
€16k
Debt
€15k
Debt finances 47.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€18k
Cash flow
€14k
Current ratio
2.06
Debt to equity
0.92
ROE
81.4%
ROA
42.4%
Interest coverage
70.33
Debt ≤ 1 year
€11k
Debt > 1 year
€4k
Income taxes
€4k
Filed annual accounts As filed with the NBB · 2025 · 40 lines
Balance sheet
Code2025
Assets
Total assets20/58€31k
Fixed assets21/28€9k
Intangible fixed assets21€9k
Tangible fixed assets22/27€176
Furniture and vehicles24€176
Current assets29/58€22k
Amounts receivable within one year40/41€6k
Trade receivables40€500
Other amounts receivable41€6k
Cash at bank and in hand54/58€15k
Equity and liabilities
Total equity and liabilities10/49€31k
Equity10/15€16k
Contributions10/11€3k
Reserves13€13k
Distributable reserves133€13k
Amounts payable17/49€15k
Amounts payable after more than one year17€4k
Financial debts170/4€4k
Amounts payable within one year42/48€11k
Current portion of amounts payable after more than one year42€3k
Trade debts44€700
Suppliers440/4€700
Taxes, remuneration and social security45€7k
Taxes450/3€6k
Remuneration and social security454/9€140
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k
Other operating charges640/8€462
Gross operating margin9900€19k
Operating profit (loss)9901€17k
Financial income75/76B€346
Recurring financial income75€346
Financial charges65/66B€257
Recurring financial charges65€257
Profit (loss) for the period before taxes9903€17k
Income taxes67/77€4k
Profit (loss) for the period9904€13k
Profit (loss) for the period to be appropriated9905€13k
Appropriation of the result
Profit (loss) to be appropriated9906€13k
Transfer to equity691/2€13k
To other reserves6921€13k
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
NBB filing
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, Lummen · 1 establishment unit since 2025
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.
Linkhoutstraat 663560 LummenGround area
824 m²
Building footprint
129 m²
Volume, LiDAR
14 m³
Parcel 71035B0829/00M000, Flanders · tallest building 2.2 m. Linked by address, not a title deed.
1 establishment unit
SBMK
since 20252.368.969.731
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71035B0829/00M000 | Flanders | 824 m² | 1 · 129 m² | 2.2 m |
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.
Similar companies · same sector, comparable size
A. LEWALLE
BE 0794.797.709
Pepinster · Eq €16,100
LVN LEGAL
BE 1030.546.410
Liedekerke · Eq €16,109
CADT legal
BE 1025.175.578
Sint-Gillis (bij-Brussel) · Eq €16,084
THEMOSA
BE 0803.315.693
Namur · Eq €16,074
Advocatenkantoor Lieseloth Lievens
BE 1031.221.549
Torhout · Eq €16,137
Of 22,058 companies in sector 69101 we hold annual accounts for 9,052. 5,709 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-01-2025
Fiscal year end31-12
Activities, NACEBEL 2025
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.