SFTechnics

Active

Private limited companyfounded 20187 yrs activeLangestraat(NEE) 4, 3040 Huldenberg, BelgiumKBO/BCE: BE 0716.623.033

The computed 12-month bankruptcy probability of SFTechnics is 2.3% (moderate). The 2025 annual accounts show equity of €67k and a net result of €-24k. Equity is growing by ~26.2% per year across the filed fiscal years. Its solvency ranks better than 66% of 27711 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

47 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0▼-95

Solvency87▲+7

Growth52▼-26

Track record100

Bankruptcy probability, 12 months

2.3% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €3k at 30 days acceptable

Liquidity ample (current ratio 2.47 against 2.0 in 2024; short-term debt: 37% and cash: 8% of total assets), and 37.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

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 2025

Solvency, return and age of the figures

Solvency

62.1%

Return on assets

-22.7%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.

NBB · 7 filings

Deviation from the deadline

2025

1 d early

2024

13 d early

2023

8 d early

2022

40 d early

2021

31 d late

2020

30 d late

2019

91 d late

← before the deadline after the deadline →

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 months

Position in the running window

22-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€67k▼ 26.8%

2024 · €91k

2019: €27k 2020: €36k 2021: €47k 2022: €28k 2023: €86k 2024: €91k

2019 → 2025

Total assets

€108k▼ 34.7%

2024 · €165k

2019: €99k 2020: €64k 2021: €91k 2022: €230k 2023: €167k 2024: €165k

2019 → 2025

Net result

€-24k

2024 · €35k

2019: €8k 2020: €9k 2021: €11k 2022: €99k 2023: €58k 2024: €35k

2019 → 2025

Working capital

€59k▼ 19.9%

2024 · €73k

2019: €2k 2020: €16k 2021: €32k 2022: €-10k 2023: €59k 2024: €73k

2019 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€47k-€28k▼ 40.2%€86k▲ 206%€91k▲ 6.2%€67k▼ 26.8%

Operating result€13k-€128k▲ 849%€73k▼ 43.0%€45k▼ 37.9%€-24k

Net result€11k-€99k▲ 810%€58k▼ 41.5%€35k▼ 40.0%€-24k

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 €24k after €45k in 2024, the lowest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €108k

91.6%

Fixed assets €9k▼ 49.3%

Current assets €98k▼ 32.9%

Equity and liabilities €108k

62.1%

37.9%

Equity €67k▼ 26.8%

Debt €41k▼ 44.5%

The debt ratio falls from 44.6% to 37.9%. Equity and debt are lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€-16k▼

2024 · €55k

Cash flow

€-16k▼

2024 · €44k

Solvency

62.1%▲

2024 · 55.4%

Current ratio

2.47▲

2024 · 2.00

Quick ratio

2.13▲

2024 · 1.93

Debt / equity

0.61▼

2024 · 0.81

ROE

-36.6%▼

2024 · 38.1%

ROA

-22.7%▼

2024 · 21.1%

Interest coverage

2271.30▲

2024 · 1086.10

Debt

€41k▼

2024 · €73k

Debt ≤ 1 year

€40k▼

2024 · €73k

Income taxes

€0▼

2024 · €11k

Staff costs

€24k▼

2024 · €53k

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€165k€108k▼

Fixed assets21/28€18k€9k▼

Tangible fixed assets22/27€18k€9k▼

Plant, machinery and equipment23€2k€837▼

Furniture and vehicles24€16k€8k▼

Current assets29/58€147k€98k▼

Stocks and contracts in progress3€5k€14k▲

Stocks30/36€5k€14k▲

Amounts receivable within one year40/41€82k€76k▼

Trade receivables40€78k€71k▼

Other amounts receivable41€5k€5k=

Cash at bank and in hand54/58€55k€9k▼

Deferred charges and accrued income490/1€4k€137▼

Equity and liabilities

Total equity and liabilities10/49€165k€108k▼

Equity10/15€91k€67k▼

Contributions10/11€19k€19k=

Reserves13€73k€48k▼

Distributable reserves133€73k€48k▼

Profit (loss) carried forward14€0€0=

Amounts payable17/49€73k€41k▼

Amounts payable within one year42/48€73k€40k▼

Trade debts44€26k€28k▲

Suppliers440/4€26k€28k▲

Taxes, remuneration and social security45€15k€5k▼

Taxes450/3€9k€1k▼

Remuneration and social security454/9€6k€3k▼

Other amounts payable47/48€32k€7k▼

Accrued charges and deferred income492/3-€1k

Income statement Code20242025

Remuneration, social security and pensions62€53k€24k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▼

Other operating charges640/8€201€66▼

Gross operating margin9900€108k€9k▼

Operating profit (loss)9901€45k€-24k▼

Financial income75/76B€123€13▼

Recurring financial income75€123€13▼

Financial charges65/66B€50€-7▼

Recurring financial charges65€50€-7▼

Profit (loss) for the period before taxes9903€45k€-24k▼

Income taxes67/77€11k€0▼

Profit (loss) for the period9904€35k€-24k▼

Profit (loss) for the period to be appropriated9905€35k€-24k▼

Appropriation of the result

Profit (loss) to be appropriated9906€35k€-24k▼

Transfer from equity791/2€29k€24k▼

Transfer to equity691/2€35k€0▼

To other reserves6921€35k€0▼

Profit to be distributed694/7€29k€0▼

Return on contributions (dividend)694€29k€0▼

The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 9Financial 2Filings 7

Next filing, fiscal year 2026, expected by 31-07-2027

2026

30-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Weakest financial yearnet €-24k ▼170%

Net result drops to €-24k, the lowest in the series.

18-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

23-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

21-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Highest result since 2019net €99k ▲810%

Operating result €128k, net result €99k, both a record.

31-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 31 days late

2021

30-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 30 days late

2020

30-10

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 91 days late

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, Huldenberg · 1 establishment unit since 2018

establishment The establishment unit on the map

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.

Langestraat(NEE) 43040 Huldenberg

Ground area

586 m²

Building footprint

150 m²

Volume, LiDAR

1,019 m³

Parcel 24075B0250/00F005, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

SFTechnics

Langestraat(NEE) 4, 3040 HuldenbergRepair, maintenance and installation of machinery and equipment

since 20182.283.418.206

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24075B0250/00F005	Flanders	586 m²	1 · 150 m²	9.5 m · 2 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

Ham-sur-Heure-Nalinnes · Eq €67k

SAM TEC

BE 0784.458.004

Dendermonde · Eq €67k

Of 22,826 companies in sector 43211 we hold annual accounts for 10,327. 8,747 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded19-12-2018

Fiscal year end31-12

Activities, NACEBEL

43211General electrical installation work

Sources

Crossroads Bank for EnterprisesNational Bank · 7 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.