SFelek
ActiveSFelek has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €841k and a net result of €95k. Equity is growing by ~52.8% per year across the filed fiscal years. Its solvency ranks better than 77% of 7673 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +48 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▲+57
Solvency100=
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity ample (current ratio 4.11 against 5.06 in 2024), and 31.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 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
68.3%
Return on assets
7.7%
Age of the figures
8 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 31-12-2025 was due by 31-07-2026 and was filed on 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
38 d early
2023
5 d early
2022
17 d early
2021
25 d early
2020
4 d late
2019
35 d late
← before the deadline
after the deadline →
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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€841k▲ 12.8%
2024 · €746k
2018: €89k
2019: €64k
2020: €133k
2021: €103k
2022: €224k
2023: €828k
2024: €746k
2018 → 2025
Total assets
€1.23M▲ 13.1%
2024 · €1.09M
2018: €181k
2019: €251k
2020: €308k
2021: €236k
2022: €765k
2023: €1.37M
2024: €1.09M
2018 → 2025
Net result
€95k
2024 · €-82k
2018: €-3k
2019: €-25k
2020: €113k
2021: €-30k
2022: €127k
2023: €680k
2024: €-82k
2018 → 2025
Working capital
€478k▲ 36.9%
2024 · €349k
2018: €75k
2019: €30k
2020: €87k
2021: €48k
2022: €371k
2023: €451k
2024: €349k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€103k-€224k▲ 117%€828k▲ 270%€746k▼ 9.9%€841k▲ 12.8%
Operating result€-23k-€185k€927k▲ 400%€-64k€145k
Net result€-30k-€127k€680k▲ 437%€-82k€95k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €145k after a loss of €64k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.23M
Fixed assets
€600k▼ 8.2%
Current assets
€632k▲ 45.1%
Equity and liabilities €1.23M
Equity
€841k▲ 12.8%
Debt
€391k▲ 14.0%
The debt ratio rises from 31.5% to 31.7%: debt grows faster than equity.
Key figures and ratios
EBITDA
€213k▲
2024 · €621
Cash flow
€163k▲
2024 · €-17k
Solvency
68.3%▼
2024 · 68.5%
Current ratio
4.11▼
2024 · 5.06
Quick ratio
1.97▼
2024 · 2.00
Debt / equity
0.46▲
2024 · 0.46
ROE
11.3%▲
2024 · -11.0%
ROA
7.7%▲
2024 · -7.6%
Interest coverage
7.68▲
2024 · 0.03
Debt
€391k▲
2024 · €343k
Debt ≤ 1 year
€154k▲
2024 · €86k
Debt > 1 year
€237k▼
2024 · €257k
Income taxes
€41k▲
2024 · €415
Staff costs
€183k▼
2024 · €233k
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€1.09M€1.23M▲
Fixed assets21/28€653k€600k▼
Tangible fixed assets22/27€651k€598k▼
Land and buildings22€505k€489k▼
Plant, machinery and equipment23€35k€30k▼
Furniture and vehicles24€111k€79k▼
Financial fixed assets28€2k€2k=
Current assets29/58€436k€632k▲
Stocks and contracts in progress3€264k€330k▲
Stocks30/36€264k€330k▲
Amounts receivable within one year40/41€103k€174k▲
Trade receivables40€85k€136k▲
Other amounts receivable41€18k€38k▲
Cash at bank and in hand54/58€66k€113k▲
Deferred charges and accrued income490/1€3k€15k▲
Equity and liabilities
Total equity and liabilities10/49€1.09M€1.23M▲
Equity10/15€746k€841k▲
Contributions10/11€6k€6k=
Reserves13€242k€337k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€19k€19k=
Distributable reserves133€221k€316k▲
Profit (loss) carried forward14€498k€498k=
Amounts payable17/49€343k€391k▲
Amounts payable after more than one year17€257k€237k▼
Financial debts170/4€257k€237k▼
Amounts payable within one year42/48€86k€154k▲
Current portion of amounts payable after more than one year42€27k€19k▼
Trade debts44€33k€108k▲
Suppliers440/4€33k€108k▲
Taxes, remuneration and social security45€19k€26k▲
Taxes450/3€253€13k▲
Remuneration and social security454/9€19k€13k▼
Other amounts payable47/48€7k-
Income statement
Code20242025
Non-recurring operating income76A-€4k
Remuneration, social security and pensions62€233k€183k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€65k€68k▲
Other operating charges640/8€15k€6k▼
Gross operating margin9900€249k€402k▲
Operating profit (loss)9901€-64k€145k▲
Financial income75/76B€935€19k▲
Recurring financial income75€935€19k▲
Financial charges65/66B€18k€28k▲
Recurring financial charges65€18k€28k▲
Profit (loss) for the period before taxes9903€-82k€136k▲
Income taxes67/77€415€41k▲
Profit (loss) for the period9904€-82k€95k▲
Profit (loss) for the period to be appropriated9905€-82k€95k▲
Appropriation of the result
Profit (loss) to be appropriated9906€498k€593k▲
Profit (loss) brought forward from the previous period14P€580k€498k▼
Transfer to equity691/2-€95k
To other reserves6921-€95k
Social balance
Average headcount (FTE)90876.04.4▼
The notes to these accounts (11 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €95k
Net result €95k after one loss-making year.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-82k ▼112%
Net result drops to €-82k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €680k ▲437%
Operating result €927k, net result €680k, both a record.
31-12
Financial
Equity above €500kEq €828k ▲270%
2 profitable years in a row build equity to €828k.
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €127k
Net result €127k after one loss-making year.
31-12
Financial
Equity above €200kEq €224k ▲117%
Equity rises from €103k to €224k.
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
31-12
Financial
Back to profitnet €113k
Net result €113k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €133k ▲108%
Equity rises from €64k to €133k.
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 35 days late
2019
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Dilsen-Stokkem · 1 establishment unit since 2011
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.
IQ-Parklaan 583650 Dilsen-StokkemGround area
827 m²
Building footprint
482 m²
Parcel 73043B1401/00M002, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
SFelek bvba
since 20112.195.398.723
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73043B1401/00M002 | Flanders | 827 m² | 1 · 482 m² | 0.1 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.
Recognitions · licences · registrations
Dual-learning approval
3 live approvalsElektrische installaties duaal (so)
Elektrotechnisch installateur (vwo)
Installateur elektrotechnische basiscomponenten duaal (so)
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Of 22,728 companies in sector 43211 we hold annual accounts for 10,270. 5,142 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-01-2011
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@sfelek.be
Phone:+3289875518