SGL3217
ActiveSGL3217 has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.67M and a net result of €212k. Equity is growing by ~12.8% per year across the filed fiscal years. Its solvency ranks better than 55% of 13905 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
64
/ 100
Healthy▲ +23 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▲+15
Solvency45▲+8
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity short (current ratio 0.13 against 0.15 in 2024), and 64.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
35.5%
Return on assets
4.5%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 31-05-2025 was due by 31-12-2025 and was filed on 05-01-2026, 5 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
5 d late
2024
3 d late
2023
5 d early
2022
2 d early
2021
27 d late
2020
4 d late
2019
8 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-05-2026 and is due by 31-12-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-05-2026 close14-09-2026 today31-12-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.67M▲ 14.5%
2024 · €1.46M
2019: €872k
2020: €866k
2021: €1.01M
2022: €1.17M
2023: €1.32M
2024: €1.46M
2019 → 2025
Total assets
€4.71M▼ 2.4%
2024 · €4.83M
2019: €943k
2020: €934k
2021: €4.33M
2022: €4.47M
2023: €4.78M
2024: €4.83M
2019 → 2025
Net result
€212k▲ 49.4%
2024 · €142k
2019: €283k
2020: €-6k
2021: €144k
2022: €155k
2023: €156k
2024: €142k
2019 → 2025
Working capital
€-650k▼ 8.0%
2024 · €-602k
2019: €821k
2020: €816k
2021: €772k
2022: €-15k
2023: €-324k
2024: €-602k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.01M-€1.17M▲ 15.3%€1.32M▲ 13.4%€1.46M▲ 10.7%€1.67M▲ 14.5%
Operating result€7k-€36k▲ 439%€31k▼ 13.5%€60k▲ 93.5%€111k▲ 85.3%
Net result€144k-€155k▲ 7.8%€156k▲ 0.7%€142k▼ 9.1%€212k▲ 49.4%
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 85% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.71M
Fixed assets
€4.62M▼ 2.2%
Current assets
€95k▼ 8.9%
Equity and liabilities €4.71M
Equity
€1.67M▲ 14.5%
Provisions
€52k▼ 4.4%
Debt
€2.99M▼ 9.8%
The debt ratio falls from 68.6% to 63.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€217k▲
2024 · €144k
Cash flow
€318k▲
2024 · €226k
Solvency
35.5%▲
2024 · 30.3%
Current ratio
0.13▼
2024 · 0.15
Quick ratio
0.13▼
2024 · 0.15
Debt / equity
1.78▼
2024 · 2.26
ROE
12.6%▲
2024 · 9.7%
ROA
4.5%▲
2024 · 2.9%
Interest coverage
5.13▲
2024 · 2.62
Debt
€2.99M▼
2024 · €3.31M
Debt ≤ 1 year
€745k▲
2024 · €706k
Debt > 1 year
€2.23M▼
2024 · €2.56M
Income taxes
€102k▲
2024 · €70k
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€4.83M€4.71M▼
Fixed assets21/28€4.72M€4.62M▼
Tangible fixed assets22/27€1.01M€901k▼
Land and buildings22€699k€678k▼
Furniture and vehicles24€308k€223k▼
Financial fixed assets28€3.72M€3.72M=
Current assets29/58€105k€95k▼
Amounts receivable within one year40/41€94k€28k▼
Trade receivables40€59k€26k▼
Other amounts receivable41€35k€2k▼
Cash at bank and in hand54/58€10k€48k▲
Deferred charges and accrued income490/1€542€19k▲
Equity and liabilities
Total equity and liabilities10/49€4.83M€4.71M▼
Equity10/15€1.46M€1.67M▲
Contributions10/11€109k€109k=
Capital10€109k€109k=
Issued capital100€109k€109k=
Reserves13€1.34M€1.55M▲
Non-distributable reserves130/1€20k€20k=
Legal reserve130€20k€20k=
Tax-exempt reserves132€164k€157k▼
Distributable reserves133€1.15M€1.37M▲
Profit (loss) carried forward14€16k€16k=
Provisions and deferred taxes16€55k€52k▼
Deferred taxes168€55k€52k▼
Amounts payable17/49€3.31M€2.99M▼
Amounts payable after more than one year17€2.56M€2.23M▼
Financial debts170/4€2.56M€2.23M▼
Amounts payable within one year42/48€706k€745k▲
Current portion of amounts payable after more than one year42€346k€346k=
Trade debts44€100€2k▲
Suppliers440/4€100€2k▲
Taxes, remuneration and social security45€15k€22k▲
Taxes450/3€15k€22k▲
Other amounts payable47/48€345k€376k▲
Accrued charges and deferred income492/3€40k€14k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€84k€106k▲
Other operating charges640/8€9k€4k▼
Gross operating margin9900€153k€221k▲
Operating profit (loss)9901€60k€111k▲
Financial income75/76B€203k€243k▲
Recurring financial income75€203k€243k▲
Financial charges65/66B€55k€42k▼
Recurring financial charges65€55k€42k▼
Profit (loss) for the period before taxes9903€207k€312k▲
Transfer from deferred taxes780€4k€2k▼
Income taxes67/77€70k€102k▲
Profit (loss) for the period9904€142k€212k▲
Transfer from tax-exempt reserves789€12k€7k▼
Profit (loss) for the period to be appropriated9905€154k€219k▲
Appropriation of the result
Profit (loss) to be appropriated9906€170k€235k▲
Profit (loss) brought forward from the previous period14P€16k€16k=
Transfer to equity691/2€154k€219k▲
To other reserves6921€154k€219k▲
The notes to these accounts (9 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
07-08
State Gazette act
Resignations & appointmentsGeneral meeting · Director reappointment · Mandate compensation13 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director reappointment · Mandate compensation13 facts ▸
- General meeting, 05/04/2026
- Director reappointment, Elke Van Der Straeten (bestuurder)
- Mandate compensation, Elke Van Der Straeten
- Director reappointment, Marina Van Gils (bestuurder)
- Mandate compensation, Marina Van Gils
- Director reappointment, Gwijde Versele (bestuurder)
- Mandate compensation, Gwijde Versele
- Director reappointment, Lode Versele (bestuurder)
- Mandate compensation, Lode Versele
- Director reappointment, Stefan Versele (bestuurder)
- Mandate compensation, Stefan Versele
- Director appointment, Amber Versele (bestuurder)
- +1 further facts in this act
05-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
03-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 3 days late
2023
26-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
29-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 27 days late
2021
31-05
Financial
Back to profitnet €144k
Net result €144k after one loss-making year.
31-05
Financial
Equity above €1MEq €1.01M ▲16.6%
Equity rises from €866k to €1.01M.
04-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
31-05
Financial
Weakest financial yearnet €-6k ▼102%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
31-05
Financial
Liquidity times 5current ratio 1451.65
Current ratio from 265.02 to 1451.65; short-term debt falls from €3k to €562.
2019
23-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
31-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
30-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
03-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 3 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2025
This board is reconstructed from a single act (26101849). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Amber Versele
CurrentDirector · since 25-11-2025
Elke Van Der Straeten
CurrentDirector · since 25-11-2025
Gwijde VERSELE
CurrentDirector · since 25-11-2025
Lode Versele
CurrentDirector · since 25-11-2025
Marina Van Gils
CurrentDirector · since 25-11-2025
Stefan VERSELE
CurrentDirector · since 25-11-2025
25-11-2025
Amber Versele: Appointed as Director
25-11-2025
Elke Van Der Straeten: Mandate renewed as Director
25-11-2025
Gwijde VERSELE: Mandate renewed as Director
25-11-2025
Lode Versele: Mandate renewed as Director
25-11-2025
Marina Van Gils: Mandate renewed as Director
25-11-2025
Stefan VERSELE: Mandate renewed as Director
Location & real-estate footprint
Registered office, Sint-Martens-Latem · 1 establishment unit since 1989
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.
Nelemeersstraat 59830 Sint-Martens-LatemGround area
2,762 m²
Building footprint
362 m²
Volume, LiDAR
2,010 m³
Parcel 44064A0297/00E000, Flanders · tallest building 13.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SGL3217
since 19892.044.115.543
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44064A0297/00E000 | Flanders | 2,762 m² | 1 · 362 m² | 13.5 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.
Structure & network
Connections & network
6 connected companiesLinked via shared directors
viaGwijde VERSELE · B bestuurder
→
viaStefan VERSELE · Director
former→
viaGwijde VERSELE · Director
former→
viaGwijde VERSELE · Managing director
former→
Show 2 more companies with a shared director
viaStefan VERSELE · Director
former→
viaStefan VERSELE · Director
former→
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Of 9,094 companies in sector 68201 we hold annual accounts for 6,725. 4,444 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded02-06-1989
Fiscal year end31-05
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
77110Renting and leasing of cars and light motor vehicles
77120Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.