SFERATO IMPORT
Active1 interim measureSummary
The file of SFERATO IMPORT contains 1 interim measure, as published in the Belgian State Gazette. The computed 12-month bankruptcy probability is 2.5% (moderate). The 2025 annual accounts show equity of €396k and a net result of €-28k. Equity is growing by ~8.8% per year across the filed fiscal years. Its solvency ranks better than 81% of 18280 sector peers (fiscal year 2025).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability12▼-58
Solvency97=
Growth52▼-26
Track record80
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days only on tighter terms
Liquidity ample (current ratio 2.9 against 2.93 in 2024; short-term debt: 27.9% and cash: 34.5% of total assets), and 27.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-02-2026, 23 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
23 d late
2024
on the day
2023
15 d late
2022
on the day
2021
29 d late
2020
on the day
2019
35 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
€396k▼ 6.6%
2024 · €424k
2019: €110k
2020: €326k
2021: €314k
2022: €316k
2023: €419k
2024: €424k
2019 → 2025
Total assets
€548k▼ 6.4%
2024 · €586k
2019: €337k
2020: €727k
2021: €637k
2022: €530k
2023: €667k
2024: €586k
2019 → 2025
Net result
€-28k
2024 · €4k
2019: €-9k
2020: €215k
2021: €-12k
2022: €2k
2023: €104k
2024: €4k
2019 → 2025
Working capital
€290k▼ 7.3%
2024 · €313k
2019: €-88k
2020: €270k
2021: €173k
2022: €154k
2023: €340k
2024: €313k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€314k-€316k▲ 0.7%€419k▲ 32.8%€424k▲ 1.0%€396k▼ 6.6%
Operating result€-6k-€4k€146k▲ 3,357%€6k▼ 95.7%€-16k
Net result€-12k-€2k€104k▲ 4,664%€4k▼ 95.9%€-28k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €16k after €6k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €548k
Fixed assets
€106k ▼ 4.8%
Current assets
€443k ▼ 6.7%
Equity and liabilities €548k
Equity
€396k ▼ 6.6%
Debt
€153k ▼ 5.6%
Debt's share of the balance-sheet total rises from 27.7% to 27.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-4k▼
2024 · €19k
Cash flow
€-16k▼
2024 · €17k
Current ratio
2.90▼
2024 · 2.93
Quick ratio
2.62▼
2024 · 2.75
Debt to equity
0.39▲
2024 · 0.38
ROE
-7.1%▼
2024 · 1.0%
ROA
-5.1%▼
2024 · 0.7%
Interest coverage
-0.91▼
2024 · 46.52
Debt ≤ 1 year
€153k▼
2024 · €162k
Income taxes
€8k▲
2024 · €2k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€586k€548k▼
Fixed assets21/28€111k€106k▼
Tangible fixed assets22/27€111k€106k▼
Plant, machinery and equipment23€9k€8k▼
Furniture and vehicles24€1k€7k▲
Leasing and similar rights25€11k€6k▼
Other tangible fixed assets26€89k€84k▼
Current assets29/58€475k€443k▼
Stocks and contracts in progress3€29k€42k▲
Stocks30/36€29k€42k▲
Amounts receivable within one year40/41€18k€19k▲
Trade receivables40€18k€16k▼
Other amounts receivable41-€3k
Current investments50/53-€192k
Cash at bank and in hand54/58€428k€189k▼
Equity and liabilities
Total equity and liabilities10/49€586k€548k▼
Equity10/15€424k€396k▼
Contributions10/11€246k€246k=
Reserves13€162k€149k▼
Distributable reserves133€162k€149k▼
Profit (loss) carried forward14€16k€61▼
Amounts payable17/49€162k€153k▼
Amounts payable within one year42/48€162k€153k▼
Financial debts43€26k€31k▲
Credit institutions430/8-€5k
Other loans439€26k€26k=
Trade debts44€27k€16k▼
Suppliers440/4€27k€16k▼
Taxes, remuneration and social security45€31k€20k▼
Taxes450/3€31k€20k▼
Other amounts payable47/48€78k€86k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€12k▼
Other operating charges640/8€5k€921▼
Gross operating margin9900€24k€-3k▼
Operating profit (loss)9901€6k€-16k▼
Financial income75/76B€99-
Recurring financial income75€99-
Financial charges65/66B€403€4k▲
Recurring financial charges65€403€4k▲
Profit (loss) for the period before taxes9903€6k€-20k▼
Income taxes67/77€2k€8k▲
Profit (loss) for the period9904€4k€-28k▼
Profit (loss) for the period to be appropriated9905€4k€-28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€-12k▼
Profit (loss) brought forward from the previous period14P€11k€16k▲
Transfer from equity791/2-€13k
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
13-07
Interim measure
Provisional administrator
Ondernemingsrechtbank Gent
23-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 23 days late
2025
30-06
Financial
Weakest financial yearnet €-28k ▼758%
Net result drops to €-28k, the lowest in the series.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
15-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 15 days late
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
01-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Back to profitnet €215k
Net result €215k after one loss-making year.
30-06
Financial
Liquidity quadruplescurrent ratio 2.16
Current ratio from 0.56 to 2.16.
30-06
Financial
Equity above €200kEq €326k ▲195%
Equity rises from €110k to €326k.
Show earlier events
2019
27-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
15-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
09-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Zottegem · 1 establishment unit since 2009
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.
Gentse Steenweg 779620 ZottegemGround area
3,550 m²
Building footprint
154 m²
2 parcels, Flanders. Linked by address, not a title deed.
1 establishment unit
Sferato
since 20092.178.828.945
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34038B0135/00W002 | Flanders | 2,641 m² | - | - |
| 41023A1148/00X002 | Flanders | 909 m² | 1 · 153 m² | - |
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.
Similar companies · same sector, comparable size
GEKA
BE 0471.246.685
Oudsbergen · Eq €394,678
FONY - MEUBLES
BE 0449.562.534
Binche · Eq €396,562
DE WOLF - DESIGN
BE 0445.176.451
Asse · Eq €396,998
AVANTGARDE
BE 0874.933.466
Beveren-Kruibeke-Zwijndrecht · Eq €397,095
METES
BE 0880.706.649
Liège · Eq €397,249
Of 2,610 companies in sector 47551 we hold annual accounts for 1,718. 1,258 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
Founded17-06-2009
Fiscal year end30-06
Activities, NACEBEL 2025
47551Retail sale of household furniture
46471Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.