SBT Offerande
ActiveSummary
SBT Offerande has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47k and a net result of €13k. Equity is growing by ~11.6% per year across the filed fiscal years. Its solvency ranks better than 33% of 11322 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability60▲+57
Solvency45▼-3
Growth63▲+28
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.4 against 1.23 in 2024; short-term debt: 64% and cash: 5.4% of total assets), and 79.9% 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 46
Relative position
BE, all sectors
reference
Sector 46
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
20.1%
Return on assets
5.7%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
7 d early
2024
21 d late
2023
64 d late
2022
74 d late
2021
37 d early
2020
24 d late
2019
17 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€1.19M▲ 44.7%
2024 · €821k
2023: €1.18M
2024: €821k
2023 → 2025
EBIT margin
1.2%▲ 4.6pp
2024 · -3.4%
2023: 1.1%
2024: -3.4%
2023 → 2025
Net result
€13k
2024 · €-28k
2018: €-899
2019: €5k
2020: €36k
2021: €5k
2022: €2k
2023: €9k
2024: €-28k
2018 → 2025
Working capital
€60k▲ 131%
2024 · €26k
2018: €-9k
2019: €-18k
2020: €6k
2021: €26k
2022: €34k
2023: €44k
2024: €26k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.18M€821k▼ 30.3%€1.19M▲ 44.7%
Equity€51k-€53k▲ 3.8%€62k▲ 17.1%€34k▼ 45.6%€47k▲ 39.5%
Operating result€9k-€4k▼ 52.8%€12k▲ 201%€-28k€15k
Net result€5k-€2k▼ 61.6%€9k▲ 364%€-28k€13k
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 2025: €15k after a loss of €28k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €235k
Fixed assets
€25k ▲ 211%
Current assets
€211k ▲ 49.8%
Equity and liabilities €235k
Equity
€47k ▲ 39.5%
Debt
€188k ▲ 64.1%
Debt's share of the balance-sheet total rises from 77.2% to 79.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€22k▲
2024 · €-24k
Cash flow
€21k▲
2024 · €-24k
Current ratio
1.40▲
2024 · 1.23
Quick ratio
0.40▲
2024 · 0.37
Debt to equity
3.98▲
2024 · 3.38
ROE
28.3%▲
2024 · -83.8%
ROA
5.7%▲
2024 · -19.1%
Interest coverage
16.98▲
2024 · -111.49
Debt ≤ 1 year
€151k▲
2024 · €115k
Debt > 1 year
€37k
Income taxes
€69▼
2024 · €190
Staff costs
€97k▲
2024 · €88k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€148k€235k▲
Fixed assets21/28€8k€25k▲
Tangible fixed assets22/27€8k€25k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€6k€20k▲
Other tangible fixed assets26-€3k
Current assets29/58€141k€211k▲
Stocks and contracts in progress3€98k€151k▲
Stocks30/36€98k€151k▲
Amounts receivable within one year40/41€33k€47k▲
Trade receivables40€18k€12k▼
Other amounts receivable41€16k€35k▲
Cash at bank and in hand54/58€9k€13k▲
Deferred charges and accrued income490/1€314€322▲
Equity and liabilities
Total equity and liabilities10/49€148k€235k▲
Equity10/15€34k€47k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€28k€41k▲
Amounts payable17/49€115k€188k▲
Amounts payable after more than one year17-€37k
Financial debts170/4-€37k
Amounts payable within one year42/48€115k€151k▲
Trade debts44€24k€39k▲
Suppliers440/4€24k€39k▲
Taxes, remuneration and social security45€55k€6k▼
Taxes450/3€30k-
Remuneration and social security454/9€25k€6k▼
Other amounts payable47/48€36k€105k▲
Income statement
Code20242025
Turnover70€821k€1.19M▲
Non-recurring operating income76A€432-
Goods, raw materials, services and sundry goods60/61€754k€1.08M▲
Remuneration, social security and pensions62€88k€97k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€7k▲
Other operating charges640/8€11k€5k▼
Non-recurring operating charges66A€8k€5k▼
Gross operating margin9900€83k€129k▲
Operating profit (loss)9901€-28k€15k▲
Financial income75/76B€62€117▲
Recurring financial income75€62€117▲
Financial charges65/66B€211€1k▲
Recurring financial charges65€211€1k▲
Profit (loss) for the period before taxes9903€-28k€13k▲
Income taxes67/77€190€69▼
Profit (loss) for the period9904€-28k€13k▲
Profit (loss) for the period to be appropriated9905€-28k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€28k€41k▲
Profit (loss) brought forward from the previous period14P€56k€28k▼
The notes to these accounts (6 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-12
Financial
Weakest financial yearnet €-28k ▼412%
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 64 days late
2023
13-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 74 days late
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Highest result since 2018net €36k ▲571%
Operating result €46k, net result €36k, both a record.
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Antwerpen · 2 establishment units since 2017
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.
Carnotstraat 112060 AntwerpenGround area
579 m²
Building footprint
266 m²
Volume, LiDAR
2,787 m³
2 parcels, Flanders · tallest building 25.3 m, ±8 floors. Linked by address, not a title deed.
2 establishment units
New World GSM Point
since 20172.259.692.006
SBT
since 20252.379.047.833
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11922C0012/00A004 | Flanders | 484 m² | 1 · 171 m² | 16.2 m · 2 fl. |
| 11808H0951/00F000 | Flanders | 95 m² | 1 · 95 m² | 25.2 m · 8 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2 sitesAntwerpen2.259.692.006
Schilde2.379.047.833
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L'ITALIANO
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Of 222 companies in sector 46391 we hold annual accounts for 138. 68 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
Founded30-12-2016
Fiscal year end31-12
Activities, NACEBEL 2025
46391Wholesale trade
47400Retail sale of information and communication equipment
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.