SFT
ActiveSummary
The computed 12-month bankruptcy probability of SFT is 3.6% (moderate). The 2024 annual accounts show equity of €3k and a net result of €1k. Its solvency ranks better than 11% of 3549 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
38
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability74
Solvency34
Growth-
Track record79
Bankruptcy probability, 12 months
3.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.96; short-term debt: 91.4% of total assets), and 91.4% 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.
+raises risk
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 · 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 →
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 2024Solvency, return and age of the figures
Solvency
8.6%
Return on assets
3.9%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 3549 sector peers (2024).
NBB · sector comparisonPosition among 3549 sector peers
Solvency
better than 11%
← weakest
strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-12-2025, 129 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 1 filingDeviation from the deadline
2024
129 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€1k
Working capital
€-1k
Balance-sheet composition
Assets €32k
Fixed assets
€4k
Current assets
€28k
Equity and liabilities €32k
Equity
€3k
Debt
€29k
Debt finances 91.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€7k
Cash flow
€6k
Current ratio
0.96
Debt to equity
10.62
ROE
45.0%
ROA
3.9%
Interest coverage
11.84
Debt ≤ 1 year
€29k
Income taxes
€460
Filed annual accounts As filed with the NBB · 2024 · 36 lines
Balance sheet
Code2024
Assets
Total assets20/58€32k
Fixed assets21/28€4k
Intangible fixed assets21€0
Tangible fixed assets22/27€4k
Plant, machinery and equipment23€4k
Current assets29/58€28k
Amounts receivable within one year40/41€28k
Trade receivables40€25k
Other amounts receivable41€3k
Equity and liabilities
Total equity and liabilities10/49€32k
Equity10/15€3k
Contributions10/11€2k
Capital10€2k
Issued capital100€2k
Profit (loss) carried forward14€1k
Amounts payable17/49€29k
Amounts payable within one year42/48€29k
Financial debts43€34
Credit institutions430/8€34
Trade debts44€27k
Suppliers440/4€11k
Bills of exchange payable441€16k
Taxes, remuneration and social security45€893
Taxes450/3€893
Other amounts payable47/48€1k
Income statement
Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k
Other operating charges640/8€837
Gross operating margin9900€8k
Operating profit (loss)9901€2k
Financial charges65/66B€610
Recurring financial charges65€610
Profit (loss) for the period before taxes9903€2k
Income taxes67/77€460
Profit (loss) for the period9904€1k
Profit (loss) for the period to be appropriated9905€1k
Appropriation of the result
Profit (loss) to be appropriated9906€1k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
07-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 129 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Namur · 1 establishment unit since 2023
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.
Route de Saint-Gérard(WP) 355100 NamurGround area
1,564 m²
Building footprint
177 m²
Volume, LiDAR
1,738 m³
Parcel 92135B0038/00M000, Wallonia · tallest building 12.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Route de Saint-Gérard(WP) 35, 5100 Namur
since 20232.342.617.603
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92135B0038/00M000 | Wallonia | 1,564 m² | 1 · 177 m² | 12.6 m · 3 fl. |
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.
Similar companies · same sector, comparable size
JEAN - MICHEL L'HOEST
BE 0478.682.330
Somme-Leuze · Eq €2,752
TOITURES PAHAUT
BE 1011.161.058
Ciney · Eq €2,700
KB 2010
BE 0781.718.347
Dendermonde · Eq €2,696
RENODAK MINJAUW
BE 0828.086.723
Zulte · Eq €2,679
RDG DAKWERKEN
BE 1031.554.022
Wervik · Eq €2,788
Of 8,561 companies in sector 43410 we hold annual accounts for 4,357. 890 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
Founded07-03-2023
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:toitures.sft@gmail.com