SG5
ActiveSummary
SG5 has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9k and a net result of €9k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 31% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+34
Solvency52▲+29
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.32 against 0.75 in 2024; short-term debt: 73.4% and cash: 95.8% of total assets), and 73.4% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
26.6%
Return on assets
27.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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
26 d late
2024
23 d early
2023
1 d early
2022
30 d late
2021
1 d late
2020
26 d late
2019
19 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · 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 monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€9k
2024 · €-231
2018: €16k
2019: €14k
2020: €13k
2021: €3k
2022: €735
2023: €42
2024: €-231
2018 → 2025
Total assets
€34k▲ 128%
2024 · €15k
2018: €16k
2019: €14k
2020: €13k
2021: €3k
2022: €28k
2023: €18k
2024: €15k
2018 → 2025
Net result
€9k
2024 · €-273
2018: €-4k
2019: €-2k
2020: €-1k
2021: €-463
2022: €9k
2023: €-693
2024: €-273
2018 → 2025
Working capital
€8k
2024 · €-4k
2021: €2k
2022: €735
2023: €-5k
2024: €-4k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3k-€735▼ 71.4%€42▼ 94.2%€-231€9k
Operating result€-418-€9k€-378€168€13k▲ 7,734%
Net result€-463-€9k€-693€-273▲ 60.6%€9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 7,734% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €34k
Fixed assets
€1k ▼ 69.1%
Current assets
€33k ▲ 190%
Equity and liabilities €34k
Equity
€9k
Debt
€25k
Debt finances 73.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€16k▲
2024 · €3k
Cash flow
€12k▲
2024 · €2k
Current ratio
1.32▲
2024 · 0.75
Debt to equity
2.76
ROE
102.6%
ROA
27.3%▲
2024 · -1.8%
Interest coverage
125.39▲
2024 · 28.85
Debt ≤ 1 year
€25k▲
2024 · €15k
Income taxes
€4k▲
2024 · €350
Staff costs
€10k▲
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 · 35 lines
Balance sheet
Code20242025
Assets
Total assets20/58€15k€34k▲
Fixed assets21/28€4k€1k▼
Tangible fixed assets22/27€4k€1k▼
Furniture and vehicles24€4k€1k▼
Current assets29/58€11k€33k▲
Amounts receivable within one year40/41€105€316▲
Other amounts receivable41€105€316▲
Cash at bank and in hand54/58€11k€32k▲
Equity and liabilities
Total equity and liabilities10/49€15k€34k▲
Equity10/15€-231€9k▲
Reserves13-€9k
Distributable reserves133-€9k
Profit (loss) carried forward14€-231€115▲
Amounts payable17/49€15k€25k▲
Amounts payable within one year42/48€15k€25k▲
Trade debts44€533€782▲
Suppliers440/4€533€782▲
Taxes, remuneration and social security45€2k€6k▲
Taxes450/3€2k€6k▲
Remuneration and social security454/9-€686
Other amounts payable47/48€12k€18k▲
Income statement
Code20242025
Remuneration, social security and pensions62€2k€10k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Gross operating margin9900€5k€26k▲
Operating profit (loss)9901€168€13k▲
Financial charges65/66B€91€125▲
Recurring financial charges65€91€125▲
Profit (loss) for the period before taxes9903€77€13k▲
Income taxes67/77€350€4k▲
Profit (loss) for the period9904€-273€9k▲
Profit (loss) for the period to be appropriated9905€-273€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-231€9k▲
Profit (loss) brought forward from the previous period14P€42€-231▼
Transfer to equity691/2-€9k
To the legal reserve6920-€9k
The notes to these accounts (3 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Back to profitnet €9k
Net result €9k after 4 loss-making years.
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 17 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial 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, Sombreffe · 1 establishment unit since 2011
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.
Rue du Pinson, Ligny 165140 SombreffeGround area
2,168 m²
Building footprint
362 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue du Pinson, Ligny 16e, 5140 Sombreffe
since 20112.195.992.502
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92074A0108/00Z000 | Wallonia | 1,706 m² | 1 · 132 m² | - |
| 92074A0105/00S002 | Wallonia | 462 m² | 1 · 230 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
ASC CONSULT
BE 0805.735.547
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EVAL_admin
BE 0786.828.861
Waremme · Eq €9,000
LEJEUNE SANDRINE
BE 1003.437.581
Pepinster · Eq €8,989
SECAL
BE 0441.356.433
Binche · Eq €9,045
Bleyenberg + Partners
BE 0745.790.042
Merelbeke-Melle · Eq €9,058
Of 11,222 companies in sector 82100 we hold annual accounts for 3,510. 1,739 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
Founded19-01-2011
Fiscal year end31-12
Activities, NACEBEL 2025
82100Office administrative and support services
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.