SBMR
ActiveSummary
The computed 12-month bankruptcy probability of SBMR is 2.0% (moderate). The 2025 annual accounts show equity of €88k and a net result of €35k. Equity is growing by ~34.5% per year across the filed fiscal years. Its solvency ranks better than 70% of 27786 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+3
Solvency90▼-10
Growth78=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.97 against 5.63 in 2024; short-term debt: 34.7% and cash: 45.2% of total assets), and 34.7% 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
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
65.3%
Return on assets
26.2%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
1 d early
2024
2 d early
2023
1 d early
2022
26 d early
2021
5 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€88k▲ 0.1%
2024 · €87k
2021: €19k
2022: €49k
2023: €65k
2024: €87k
2021 → 2025
Total assets
€134k▲ 33.4%
2024 · €100k
2021: €34k
2022: €60k
2023: €76k
2024: €100k
2021 → 2025
Net result
€35k▲ 55.1%
2024 · €23k
2021: €18k
2022: €29k
2023: €16k
2024: €23k
2021 → 2025
Working capital
€45k▼ 25.0%
2024 · €60k
2021: €20k
2022: €14k
2023: €37k
2024: €60k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€49k▲ 153%€65k▲ 33.5%€87k▲ 34.9%€88k▲ 0.1%
Operating result€26k-€40k▲ 58.4%€23k▼ 43.5%€32k▲ 41.3%€44k▲ 37.7%
Net result€18k-€29k▲ 61.3%€16k▼ 44.6%€23k▲ 39.0%€35k▲ 55.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 38% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €134k
Fixed assets
€42k ▲ 55.9%
Current assets
€92k ▲ 25.1%
Equity and liabilities €134k
Equity
€88k ▲ 0.1%
Debt
€46k ▲ 257%
Debt's share of the balance-sheet total rises from 13.0% to 34.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€57k▲
2024 · €41k
Cash flow
€48k▲
2024 · €31k
Current ratio
1.97▼
2024 · 5.63
Debt to equity
0.53▲
2024 · 0.15
ROE
40.1%▲
2024 · 25.9%
ROA
26.2%▲
2024 · 22.5%
Interest coverage
1170.64▲
2024 · 119.65
Debt ≤ 1 year
€46k▲
2024 · €13k
Income taxes
€10k▲
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€100k€134k▲
Fixed assets21/28€27k€42k▲
Tangible fixed assets22/27€27k€42k▲
Furniture and vehicles24€27k€42k▲
Current assets29/58€73k€92k▲
Amounts receivable within one year40/41€21k€14k▼
Trade receivables40€12k-
Other amounts receivable41€9k€14k▲
Cash at bank and in hand54/58€36k€61k▲
Deferred charges and accrued income490/1€16k€17k▲
Equity and liabilities
Total equity and liabilities10/49€100k€134k▲
Equity10/15€87k€88k▲
Contributions10/11€1k€1k=
Reserves13€86k€87k▲
Distributable reserves133€86k€87k▲
Amounts payable17/49€13k€46k▲
Amounts payable within one year42/48€13k€46k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€11k€13k▲
Taxes450/3€8k€10k▲
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48-€30k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€13k▲
Other operating charges640/8€538€1k▲
Gross operating margin9900€41k€59k▲
Operating profit (loss)9901€32k€44k▲
Financial income75/76B-€968
Recurring financial income75-€968
Financial charges65/66B€340€49▼
Recurring financial charges65€340€49▼
Profit (loss) for the period before taxes9903€32k€45k▲
Income taxes67/77€9k€10k▲
Profit (loss) for the period9904€23k€35k▲
Profit (loss) for the period to be appropriated9905€23k€35k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€35k▲
Transfer to equity691/2€23k-
To other reserves6921€23k-
Profit to be distributed694/7-€35k
Return on contributions (dividend)694-€35k
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
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2021net €35k ▲55.1%
Operating result €44k, net result €35k, both a record.
29-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €16k ▼44.6%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
05-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Lommel · 1 establishment unit since 2020
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.
Kattenbos 313920 LommelGround area
1,019 m²
Building footprint
141 m²
Volume, LiDAR
602 m³
Parcel 72344D0290/00K003, Flanders · tallest building 7.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SBMR
since 20202.306.634.858
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72344D0290/00K003 | Flanders | 1,019 m² | 1 · 141 m² | 7.9 m · 1 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.
Similar companies · same sector, comparable size
Ansa Projects
BE 0773.839.175
Deerlijk · Eq €87,508
Kockx David
BE 0748.373.707
Gent · Eq €87,438
Mares David
BE 0763.406.034
Bredene · Eq €87,421
YW Industrial Piping
BE 0837.500.473
Moorslede · Eq €87,688
HB Services Group
BE 0737.648.574
Elsene · Eq €87,706
Of 7,041 companies in sector 43221 we hold annual accounts for 3,471. 3,066 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
Founded07-08-2020
Fiscal year end30-06
Activities, NACEBEL 2025
43221Plumbing work
43211General electrical installation work
43222Installation of electric heating, air conditioning, cooling and ventilation
46643Wholesale of electrical equipment, including installation materials
46836Wholesale trade
47540Retail sale of electrical household appliances
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.