Active BE 0634.982.586Private limited company

SFTM

Rue du Naimeux 22 ·4802 Verviers, Belgium· 11 yrs active

Sector: Activiteiten van holdings (64210)

Conclusion Checked

SFTM is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €51k and a net result of €10k. Equity is shrinking by ~17.7% per year across the filed fiscal years. Its solvency ranks better than 43% of 3139 sector peers (fiscal year 2024). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Key figures

Equity	€51k
Net result	€10k
Better than sector	43%
Active	11 yrs

Snowflake analysis 4 of 5 axes measured · computed by Checked

75 / 100

Strong profile, led by stability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 96

Solvency 73

Growth 32

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Established

Founded in 2015, 11 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags 0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Financial overview9 NBB filings

Annual accounts filed on 22-07-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining Equity: declining trend of ~17.7%/year over 7 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 64, Financial services · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	44.0%	52.5%	better than 43% of 3139 sector peers
Net result	€10k	€32k	better than 28% of 3135 sector peers
Equity	€51k	€75k	better than 40% of 3140 sector peers
Gross operating margin	€23k	€52k	better than 27% of 3132 sector peers
Total assets	€115k	€192k	better than 34% of 3141 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Net profit

€10k

-66.2% 18-24

Total assets

€115k

-15.5% 18-24

Equity

€51k

+23.7% 18-24

Income taxes

€346

-2.2% 18-24

Dividends

€0

-100.0% 18-24

Debt

€64k

-32.4% 18-24

Debt ≤ 1y

€58k

-31.4% 18-24

Debt > 1y

€4k

-61.3% 18-24

Solvency

44.0%

+46.4% 18-24

ROE

19.2%

-72.7% 18-24

ROA

8.4%

-60.0% 18-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	n/a
EBITDA	n/a
Net profit	€10k
Cash flow	n/a
Staff costs	-
Income taxes	€346
Dividends	-
Total assets	€115k
Equity	€51k
Debt	€64k
of which ≤ 1y	€58k
of which > 1y	€4k
Working capital	n/a
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	44.0%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	8.4%
ROE	19.2%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2024

Assets

Fixed assets €39k · 34.2% Current assets €76k · 65.8%

Equity & liabilities

Equity €51k · 44.0% Debt €64k · 56.0%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€115k
Fixed assets	21/28	€39k
Tangible fixed assets	22/27	€39k
Current assets	29/58	€76k
Amounts receivable within one year	40/41	€39k
Cash & bank	54/58	€32k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€115k
Equity	10/15	€51k
Contributions / capital	10/11	€19k
Reserves	13	€2k
Accumulated profits (losses)	14	€30k
Amounts payable	17/49	€64k
Amounts payable after one year	17	€4k
Amounts payable within one year	42/48	€58k
Trade debts payable within one year	44	€6k
Income statement
Gross operating margin	9900	€23k
Operating result	9901	€13k
Financial income	75	€6
Financial charges	65	€3k
Result before taxes	9903	€10k
Income taxes	67/77	€346
Net result for the period	9904	€10k
Result to be appropriated	9905	€10k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Activiteiten van holdings(64210)
Legal form	Private limited company(610)
Incorporation	11-08-2015
Status	Active
Postal code	4802

Connections & network 1 connected companies

Group structure

STANDARD DE LIEGE

We sit on their board · 2 locations

→

Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Ownership & control 1 parties

SFTMBE 0634.982.586

controls

Where this company holds controlthis company sits on their board1

STANDARD DE LIEGE

2 locations

Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.

Establishment units 1 location

Rue du Naimeux 22, 4802 Verviers

Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering

since 20152.346.474.045

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
63036A0322/00N002	Wallonia	165 m²	1 · 139 m²	11.0 m · 3 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 10 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

22-07-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

27-08-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

2023

30-08-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

2022

02-08-2022

NBB filing Annual accounts filed

fiscal year 2021 · micro

2021

17-08-2021

NBB filing Annual accounts filed

fiscal year 2020 · micro

2020

29-10-2020

NBB filing Annual accounts filed

fiscal year 2019 · micro

2019

26-08-2019

NBB filing Annual accounts filed

fiscal year 2018 · micro

2018

28-09-2018

State Gazette act Publication

General meeting · Officer appointment · Permanent representative · Mandate compensation

02-08-2018

NBB filing Annual accounts filed

fiscal year 2017 · volledig

2017

28-08-2017

NBB filing Annual accounts filed

fiscal year 2016 · volledig

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 7 years ago

2018

28-09-2018 General meeting · Officer appointment · Permanent representative · Mandate compensation Open-capture extraction

Publication: 28/09/2018 · STANDARD DE LIEGE
Filing: 19/09/2018 · STANDARD DE LIEGE
General meeting: 18/09/2018 · STANDARD DE LIEGE
Officer appointment: role: administrateur, term: à l'issue de l'assemblée générale ordinaire d'octobre 2023, start_date: 2018-09-18 · PHAKIMOK
Permanent representative · Michel Preud'homme
Mandate compensation: rémunéré · PHAKIMOK
Officer appointment: role: administrateur, term: à l'issue de l'assemblée générale ordinaire d'octobre 2023, start_date: 2018-09-18 · SFTM
Permanent representative · Alexandre Grosjean
Officer appointment: role: administrateur, term: à l'issue de l'assemblée générale ordinaire d'octobre 2023, start_date: 2018-09-18 · BELGIAN SPORT ADVICE
Permanent representative · Pierre Locht
Officer appointment: role: administrateur, term: à l'issue de l'assemblée générale ordinaire d'octobre 2023, start_date: 2018-09-18 · Olivier Renard

Summary: General meeting · Officer appointment · Permanent representative · Mandate compensation

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

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Company registry (CBE) Crossroads Bank

Activities

Holdings64200Activiteiten van holdings64210Beleggingstrusts en -fondsen en vergelijkbare financiële instellingen64300Activiteiten van geldmarkt- en niet-geldmarktbeleggingsfondsen64310Verstrekken van verbruikskrediet64921Verstrekken van verbruikskrediet64921

Primary activity highlighted.

Names & trade names

Legal nameFR

SFTM

Registered office

Rue du Naimeux 22

4802 Verviers, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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