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SG IMMOFIN

Active
Public limited companyfounded 199036 yrs activeWaterloosesteenweg 1589, 1180 Ukkel, BelgiumKBO/BCE: BE 0441.003.075
Summary

SG IMMOFIN has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.3m and a net result of €221,573. Equity is shrinking by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 25% of 6032 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch ReportCompare
SG IMMOFINActiveChecked score 88/100
Risk analysis ReportCompare

Overview

Activity
Agents in the wholesale of industrial machinery, ships and aircraft
NACE 46140NACE 51140
1 site
Size
€1.5mturnover 2025
Equity
€2.3m
Profit
€221,573
Financial health
88 Excellent Checked score 2025
Bankruptcy chance 12 m
0.2%
Structure
Parent
SG HOLDING · 99.97%
Holdings
3
Accounts on time0 of 14 deeds read
Why 88- Liquidity: current ratio 1.41, cash €382,147- 1 of the last 3 late+ Size: turnover €1.5m, total assets €9.9m+ Founded in 1990Show the evidence

Checked score

Score 2025
88 / 100
Excellent
Probability in this band: under 0.55%
Better than 52% of its sector peers (NACE 46, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 48-4
equity 22.8% of total assets
Liquidity 38-7
short-term debt 37.1% · cash 3.8%
Profitability 71+32
return on assets 2.2%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (4,378 companies)
Last 24 months 11-2024: 1.2% 12-2024: 1.5%▲ +19.7% vs 11-2024 01-2025: 1.6%▲ +10.2% vs 12-2024highest value 02-2025: 0.5%▼ -68.8% vs 01-2025 03-2025: 0.5%● 0.0% vs 02-2025 04-2025: 0.5%● 0.0% vs 03-2025 05-2025: 0.5%● 0.0% vs 04-2025 06-2025: 0.5%▼ -3.5% vs 05-2025 07-2025: 0.5%▲ +1.4% vs 06-2025 08-2025: 0.5%▲ +2.8% vs 07-2025 09-2025: 0.5%▲ +2.9% vs 08-2025 10-2025: 0.5%▲ +0.4% vs 09-2025 11-2025: 0.6%▲ +14.2% vs 10-2025 12-2025: 0.8%▲ +38.3% vs 11-2025 01-2026: 0.2%▼ -79.7% vs 12-2025 02-2026: 0.2%● 0.0% vs 01-2026 03-2026: 0.2%● 0.0% vs 02-2026 04-2026: 0.2%● 0.0% vs 03-2026 05-2026: 0.2%● 0.0% vs 04-2026 06-2026: 0.2%▼ -3.5% vs 05-2026lowest value 07-2026: 0.2%▲ +5.5% vs 06-2026 08-2026: 0.2%▲ +1.2% vs 07-2026 09-2026: 0.2%● 0.0% vs 08-2026 10-2026: 0.2%▲ +18.9% vs 09-2026
  • Size: turnover €1.5m, total assets €9.9m lowers the probability for this profile
  • Liquidity: current ratio 1.41, cash €382,147 raises the probability
  • Founded in 1990 lowers the probability for this profile
  • 1 of the last 3 late raises the probability
Credit up to €140,000 at 30 days acceptable
Liquidity tight (current ratio 1.41 against 1.6 in 2024; short-term debt: 37.1% and cash: 3.8% of total assets), and 77.2% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, small). Better than this share of them on solvency 26%, liquidity 41%, profitability 62%, growth against the median 77%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: turnover €1.5m, total assets €9.9m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 1.41, cash €382,147
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Founded in 1990
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 6032 sector peers (2025).
NBB · sector comparison
Position among 6032 sector peers
Solvency
better than 25%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-04-2025 was due by 30-11-2025 and was filed on 30-11-2025, 0 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
on the day
2024
37 d late
2023
20 d late
2022
12 d late
2021
on the day
2020
21 d early
2019
16 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 5 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-04-2026 and is due by 30-11-2026. Nothing is late today. Usually files around 12 December (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-04-2026 close06-10-2026 today30-11-2026 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · full…
  2. Back to profitnet €221,573
  3. Annual accounts filedfiscal year 2024 · full…

Key points

  • Positive: Back in profit in 2025after -€1.4m in 2024 €221,573 View
  • Controlled by SG HOLDINGknown shareholders 100% 99.97% View
  • Positive: 4 years of growth in a rowturnover 2025: €1.5m 4 years View

By topic

Financials

Fiscal year
2025
Turnover
€1.5m
Profit
€221,573
Solvency
22.8%
Turnover▲ 14.9%
Net result
20192025
Go to Financials

Timeline

Events
13
Since
2016
Next accounts
by 30-11-2026
  1. 30-11-2025Annual accounts filed
  2. 30-04-2025Back to profit
  3. 06-01-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Agents in the wholesale of industrial machinery, ships…NACE 46140
Founded
06-07-1990
Year ends
30-04
Peppol
Reachable for e-invoices
Go to Company details

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