SFER FORMATIONS
ActiveSFER FORMATIONS has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €240k and a net result of €80k. Equity is growing by ~53.7% per year across the filed fiscal years. Its solvency ranks better than 61% of 2021 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency98▲+3
Growth78=
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 3.73 against 3.21 in 2024), and 42.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 85
Relative position
BE, all sectors
reference
Sector 85
lower
← fewer bankruptcies
more bankruptcies →
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
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
57.3%
Return on assets
19.1%
Age of the figures
14 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 11-12-2025, 51 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
51 d early
2024
45 d early
2023
57 d early
2022
5 d early
← before the deadline
after the deadline →
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 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€240k▲ 37.0%
2024 · €175k
2022: €15k
2023: €101k
2024: €175k
2022 → 2025
Total assets
€418k▲ 20.5%
2024 · €347k
2022: €136k
2023: €210k
2024: €347k
2022 → 2025
Net result
€80k▼ 9.7%
2024 · €88k
2022: €10k
2023: €93k
2024: €88k
2022 → 2025
Working capital
€254k▲ 11.5%
2024 · €228k
2022: €36k
2023: €118k
2024: €228k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€15k-€101k▲ 595%€175k▲ 72.3%€240k▲ 37.0%
Operating result€19k-€127k▲ 571%€134k▲ 5.9%€123k▼ 8.6%
Net result€10k-€93k▲ 868%€88k▼ 4.8%€80k▼ 9.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €418k
Fixed assets
€71k▲ 345%
Current assets
€347k▲ 4.9%
Equity and liabilities €418k
Equity
€240k▲ 37.0%
Debt
€179k▲ 3.8%
The debt ratio falls from 49.6% to 42.7%: equity grows faster than debt.
Key figures and ratios
EBITDA
€132k▼
2024 · €136k
Cash flow
€89k▼
2024 · €90k
Solvency
57.3%▲
2024 · 50.4%
Current ratio
3.73▲
2024 · 3.21
Quick ratio
3.73▲
2024 · 3.21
Debt / equity
0.75▼
2024 · 0.98
ROE
33.3%▼
2024 · 50.6%
ROA
19.1%▼
2024 · 25.5%
Interest coverage
42.55▲
2024 · 28.80
Debt
€179k▲
2024 · €172k
Debt ≤ 1 year
€93k▼
2024 · €103k
Income taxes
€40k▼
2024 · €41k
Staff costs
€75k▲
2024 · €54k
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€347k€418k▲
Fixed assets21/28€16k€71k▲
Tangible fixed assets22/27€11k€66k▲
Plant, machinery and equipment23€2k€31k▲
Furniture and vehicles24€9k€35k▲
Financial fixed assets28€5k€5k=
Current assets29/58€331k€347k▲
Amounts receivable within one year40/41€139k€133k▼
Trade receivables40€134k€132k▼
Other amounts receivable41€5k€765▼
Cash at bank and in hand54/58€189k€211k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€347k€418k▲
Equity10/15€175k€240k▲
Contributions10/11€5k€5k=
Reserves13€88k€168k▲
Distributable reserves133€88k€168k▲
Profit (loss) carried forward14€81k€66k▼
Amounts payable17/49€172k€179k▲
Amounts payable within one year42/48€103k€93k▼
Trade debts44€27k€20k▼
Suppliers440/4€16k€19k▲
Bills of exchange payable441€11k€579▼
Taxes, remuneration and social security45€61k€58k▼
Taxes450/3€57k€51k▼
Remuneration and social security454/9€4k€7k▲
Other amounts payable47/48€15k€15k▲
Accrued charges and deferred income492/3€69k€85k▲
Income statement
Code20242025
Non-recurring operating income76A-€68
Remuneration, social security and pensions62€54k€75k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€10k▲
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A-€580
Gross operating margin9900€191k€210k▲
Operating profit (loss)9901€134k€123k▼
Financial income75/76B€173€3▼
Recurring financial income75€173€3▼
Financial charges65/66B€5k€3k▼
Recurring financial charges65€5k€3k▼
Profit (loss) for the period before taxes9903€129k€119k▼
Income taxes67/77€41k€40k▼
Profit (loss) for the period9904€88k€80k▼
Profit (loss) for the period to be appropriated9905€88k€80k▼
Appropriation of the result
Profit (loss) to be appropriated9906€185k€161k▼
Profit (loss) brought forward from the previous period14P€96k€81k▼
Transfer to equity691/2€88k€80k▼
To other reserves6921€88k€80k▼
Profit to be distributed694/7€15k€15k=
Return on contributions (dividend)694€15k€15k=
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
2025
11-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Equity above €200kEq €240k ▲37%
4 profitable years in a row build equity to €240k.
2024
17-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Equity above €150kEq €175k ▲72.3%
3 profitable years in a row build equity to €175k.
2023
05-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Highest result since 2022net €93k ▲868%
Net result €93k, the highest in the series.
30-06
Financial
Equity above €100kEq €101k ▲595%
2 profitable years in a row build equity to €101k.
26-01
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, Saint-Ghislain · 2 establishment units 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.
Rue Gustave Lhoir(H) 667334 Saint-GhislainGround area
5,174 m²
Building footprint
670 m²
Volume, LiDAR
713 m³
2 parcels, Wallonia · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Rue Gustave Lhoir(H) 66, 7334 Saint-Ghislain
since 20212.320.166.754
SFER FORMATIONS
since 20252.372.705.716
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53404B0667/00X000 | Wallonia | 2,599 m² | 1 · 547 m² | - |
| 53036A0236/00S008 | Wallonia | 2,575 m² | 1 · 123 m² | 7.3 m · 2 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.
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Of 3,006 companies in sector 85592 we hold annual accounts for 984. 717 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-07-2021
Fiscal year end30-06
Activities, NACEBEL
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.