Sfeer & Meer
ActiveThe computed 12-month bankruptcy probability of Sfeer & Meer is 3.7% (moderate). The 2025 annual accounts show negative equity (€-22k) and a net result of €-14k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 9% of 18237 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
26
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record94
Bankruptcy probability, 12 months
3.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.46 against 0.59 in 2024; short-term debt: 206.4% and cash: 47.6% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+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 · 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 2025Solvency, return and age of the figures
Solvency
-106.4%
Return on assets
-70%
Age of the figures
12 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year €-22k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 24-04-2026, 6 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
6 d early
2024
5 d early
2023
27 d late
2022
5 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-22k▼ 193%
2024 · €-7k
2022: €-2k
2023: €2k
2024: €-7k
2022 → 2025
Total assets
€20k▲ 45.1%
2024 · €14k
2022: €9k
2023: €22k
2024: €14k
2022 → 2025
Net result
€-14k▼ 48.3%
2024 · €-10k
2022: €-5k
2023: €4k
2024: €-10k
2022 → 2025
Working capital
€-23k▼ 157%
2024 · €-9k
2022: €-3k
2023: €410
2024: €-9k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-2k-€2k€-7k€-22k▼ 193%
Operating result€-5k-€4k€-9k€-14k▼ 49.8%
Net result€-5k-€4k€-10k€-14k▼ 48.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €14k in 2025 against €9k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €20k
Fixed assets
€1k▼ 23.0%
Current assets
€19k▲ 53.1%
Key figures and ratios
EBITDA
€-14k▼
2024 · €-9k
Cash flow
€-14k▼
2024 · €-9k
Solvency
-106.4%▼
2024 · -52.8%
Current ratio
0.46▼
2024 · 0.59
Quick ratio
0.42▼
2024 · 0.51
Debt / equity
-1.94▲
2024 · -2.90
ROA
-70.0%▼
2024 · -68.5%
Interest coverage
-54.88▼
2024 · -31.27
Debt
€42k▲
2024 · €22k
Debt ≤ 1 year
€42k▲
2024 · €22k
Staff costs
€8k▲
2024 · €413
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€14k€20k▲
Fixed assets21/28€1k€1k▼
Tangible fixed assets22/27€1k€1k▼
Plant, machinery and equipment23€668€576▼
Furniture and vehicles24€801€555▼
Current assets29/58€13k€19k▲
Stocks and contracts in progress3€2k€1k▼
Stocks30/36€2k€1k▼
Amounts receivable within one year40/41€1k€8k▲
Trade receivables40-€8k
Other amounts receivable41€1k€570▼
Cash at bank and in hand54/58€10k€10k▲
Equity and liabilities
Total equity and liabilities10/49€14k€20k▲
Equity10/15€-7k€-22k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-10k€-25k▼
Amounts payable17/49€22k€42k▲
Amounts payable within one year42/48€22k€42k▲
Trade debts44-€7k
Suppliers440/4-€7k
Taxes, remuneration and social security45€4€5k▲
Remuneration and social security454/9€4€5k▲
Other amounts payable47/48€22k€30k▲
Income statement
Code20242025
Remuneration, social security and pensions62€413€8k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€338€338=
Other operating charges640/8€305€622▲
Gross operating margin9900€-8k€-5k▲
Operating profit (loss)9901€-9k€-14k▼
Financial income75/76B€30€0▼
Recurring financial income75€30€0▼
Financial charges65/66B€289€250▼
Recurring financial charges65€289€250▼
Profit (loss) for the period before taxes9903€-10k€-14k▼
Profit (loss) for the period9904€-10k€-14k▼
Profit (loss) for the period to be appropriated9905€-10k€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-10k€-25k▼
Profit (loss) brought forward from the previous period14P€-783€-10k▼
The notes to these accounts (4 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
24-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series.
25-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
30-09
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
25-04
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
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, Hechtel-Eksel · 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.
Roerdomplaan 63940 Hechtel-EkselGround area
1,901 m²
Building footprint
248 m²
Parcel 72006G0487/00X003, Flanders. Linked by address, not a title deed.
1 establishment unit
Sfeer & Meer
since 20212.322.579.777
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72006G0487/00X003 | Flanders | 1,900 m² | 1 · 248 m² | - |
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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Of 12,959 companies in sector 47120 we hold annual accounts for 2,190. 677 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-10-2021
Fiscal year end30-09
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
47559Retail sale of other household articles
47599Retail trade
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.