Summary
SGNPST is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €37.4m and a net result of €786,753. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 36% of 2445 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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. That is why we show no financial axes either.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
195 d late
2023
138 d late
2022
192 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 139 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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. Usually files around 13 January (3 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, full schema, statutory accounts
In the rankings
#2 company by total assets in Lokeren, Finance and insurance sector#2 company by equity in Lokeren, Finance and insurance sector
Equity
€37.4m▲ 2.1%
2024 · €36.6m
Net result
€786,753
2024 · -€2.7m
Total assets
€83.0m▲ 2.6%
2024 · €80.9m
Solvency
45.0%▼ 0.2pp
2024 · 45.3%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result-€363,463--€41,614▲ 88.6%-€52,990▼ 27.3%-€255,144▼ 381%
Net result-€1.0mbelow the sector's middle half--€2.3mbelow the sector's middle half▼ 127%-€2.7mbelow the sector's middle half▼ 20.4%€786,753within the sector's middle half
Equity€39.0mabove the sector's middle half-€36.8mabove the sector's middle half▼ 5.8%€36.6mabove the sector's middle half▼ 0.4%€37.4mabove the sector's middle half▲ 2.1%
Total assets€80.4mabove the sector's middle half-€80.8mabove the sector's middle half▲ 0.5%€80.9mabove the sector's middle half▲ 0.2%€83.0mabove the sector's middle half▲ 2.6%
Debt€41.3m-€44.0m▲ 6.4%€44.3m▲ 0.7%€45.6m▲ 3.0%
Working capital-€4.3mbelow the sector's middle half--€43.2mbelow the sector's middle half▼ 908%-€12.1mbelow the sector's middle half▲ 72.1%-€7.9mbelow the sector's middle half▲ 34.7%
Solvency48.6%within the sector's middle half-45.5%within the sector's middle half▼ 3.0pp45.3%within the sector's middle half▼ 0.3pp45.0%within the sector's middle half▼ 0.2pp
Current ratio0.08below the sector's middle half-0.02below the sector's middle half▼ 0.070.07below the sector's middle half▲ 0.050.13below the sector's middle half▲ 0.06
Return on assets (ROA)-1.2%below the sector's middle half--2.8%below the sector's middle half▼ 1.6pp-3.4%below the sector's middle half▼ 0.6pp0.9%within the sector's middle half▲ 4.3pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €255,144 in 2025 against €52,990 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83.0m
Fixed assets
€81.9m ▲ 2.3%
Current assets
€1.2m ▲ 28.3%
Equity and liabilities €83.0m
Equity
€37.4m ▲ 2.1%
Debt
€45.6m ▲ 3.0%
Debt's share of the balance-sheet total rises from 54.7% to 55.0%. Equity and debt are higher.
Key figures and ratios
ROE
2.1%▲
2024 · -7.5%
Debt ≤ 1 year
€9.1m▼
2024 · €13.0m
Debt > 1 year
€36.2m▲
2024 · €30.0m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Operating income70/76A | - | - | €1.0m | €1.3m | ▲ 28.5% |
| Other operating income74 | - | - | €1.0m | €1.3m | ▲ 28.5% |
| Operating charges60/66A | - | - | €1.1m | €1.6m | ▲ 46.1% |
| Services and other goods61 | - | - | €1.1m | €1.6m | ▲ 46.1% |
| Other operating charges640/8 | - | €75 | €216 | €227 | ▲ 5.1% |
| Gross operating margin9900 | -€363,463 | -€41,539 | - | - | - |
| Operating profit (loss)9901 | -€363,463 | -€41,614 | -€52,990 | -€255,144 | ▼ 381% |
| Financial income75/76B | - | €1 | - | €4.0m | - |
| Recurring financial income75 | - | €1 | - | €4.0m | - |
| Income from financial fixed assets750 | - | - | - | €4.0m | - |
| Financial charges65/66B | €641,009 | €2.2m | €2.7m | €3.0m | ▲ 10.1% |
| Recurring financial charges65 | €641,009 | €2.2m | €2.7m | €3.0m | ▲ 10.1% |
| Debt charges650 | - | - | €2.7m | €3.0m | ▲ 10.1% |
| Other financial charges652/9 | - | - | €1,090 | €1,671 | ▲ 53.3% |
| Profit (loss) for the period before taxes9903 | -€1.0m | -€2.3m | -€2.7m | €786,753 | ▲ 129% |
| Profit (loss) for the period9904 | -€1.0m | -€2.3m | -€2.7m | €786,753 | ▲ 129% |
| Profit (loss) for the period to be appropriated9905 | -€1.0m | -€2.3m | -€2.7m | €786,753 | ▲ 129% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €80.4m | €80.8m | €80.9m | €83.0m | ▲ 2.6% |
| Fixed assets21/28 | €80.0m | €80.0m | €80.0m | €81.9m | ▲ 2.3% |
| Financial fixed assets28 | €80.0m | €80.0m | €80.0m | €81.9m | ▲ 2.3% |
| Affiliated companies280/1 | - | - | €80.0m | €80.0m | = |
| Participating interests280 | - | - | €80.0m | €80.0m | = |
| Other financial fixed assets284/8 | - | - | - | €1.9m | - |
| Amounts receivable and cash guarantees285/8 | - | - | - | €1.9m | - |
| Current assets29/58 | €386,995 | €762,561 | €902,425 | €1.2m | ▲ 28.3% |
| Amounts receivable within one year40/41 | €67,993 | €351,879 | €590,122 | €1.1m | ▲ 93.7% |
| Trade receivables40 | - | €297,681 | €333,647 | €706,276 | ▲ 112% |
| Other amounts receivable41 | €67,993 | €54,198 | €256,475 | €436,549 | ▲ 70.2% |
| Cash at bank and in hand54/58 | €319,002 | €410,682 | €312,303 | €14,661 | ▼ 95.3% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €80.4m | €80.8m | €80.9m | €83.0m | ▲ 2.6% |
| Equity10/15 | €39.0m | €36.8m | €36.6m | €37.4m | ▲ 2.1% |
| Contributions10/11 | €40.1m | €40.1m | €42.6m | €42.6m | = |
| Profit (loss) carried forward14 | -€1.0m | -€3.3m | -€6.0m | -€5.2m | ▲ 13.1% |
| Amounts payable17/49 | €41.3m | €44.0m | €44.3m | €45.6m | ▲ 3.0% |
| Amounts payable after more than one year17 | €36.7m | - | €30.0m | €36.2m | ▲ 20.6% |
| Financial debts170/4 | €36.7m | - | €30.0m | €36.2m | ▲ 20.6% |
| Subordinated loans170 | - | - | - | €9.5m | - |
| Credit institutions173 | - | - | €30.0m | €26.7m | ▼ 11.1% |
| Amounts payable within one year42/48 | €4.7m | €44.0m | €13.0m | €9.1m | ▼ 30.3% |
| Current portion of amounts payable after more than one year42 | €3.3m | €36.7m | €5.0m | €3.3m | ▼ 33.3% |
| Financial debts43 | - | - | - | €103,646 | - |
| Credit institutions430/8 | - | - | - | €103,646 | - |
| Trade debts44 | €356,758 | €136,923 | €171,068 | €485,446 | ▲ 184% |
| Suppliers440/4 | €356,758 | €136,923 | €171,068 | €485,446 | ▲ 184% |
| Other amounts payable47/48 | €984,709 | €7.2m | €7.8m | €5.1m | ▼ 34.3% |
| Accrued charges and deferred income492/3 | - | - | €1.3m | €414,173 | ▼ 68.2% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1.0m | -€2.3m | -€2.7m | €786,753 | ▲ 129% |
| Operating cash flow (approximation) | -€1.0m | -€2.3m | -€2.7m | €786,753 | ▲ 129% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€1.9m | - |
| Change in cash | - | €91,680 | -€98,379 | -€297,642 | ▼ 203% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · consolidated · 31 days late
11-02
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 195 days late
11-02
NBB filing
Annual accounts filed
fiscal year 2024 · consolidated · 195 days late
2025
31-12
Financial
Back to profitnet €786,753
Net result €786,753 after 3 loss-making years.
2024
31-12
Financial
Weakest financial yearnet -€2.7m
Net result drops to -€2.7m, the lowest in the series; recovery starts the following year.
16-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 138 days late
16-12
NBB filing
Annual accounts filed
fiscal year 2023 · consolidated · 138 days late
08-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 192 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 11 acts read
About the unread acts
We know of 11 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
11 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, Lokeren · 1 establishment unit since 2022
Ground area
1.1 ha
Building footprint
6,477 m²
Parcel 46384D0699/00H000, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
SGNPST
since 20222.337.066.134
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46384D0699/00H000indicative | Flanders | 1.1 ha | 1 · 6,477 m² | 0.1 m |
Linked by address, not proof of ownership
Good to know
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 owner · 1 holding · 5 subsidiaries in the treeOwners 1
- Sourceaccounts Clogs 20241.9%
Holdings 1
-
100%
All subsidiaries, including indirect ones 5
Companies in which this company or one of its subsidiaries holds more than half, or which it consolidates according to the LEI register.
Signpost 100%4 subsidiaries
- Signpost België 100%
- Signpost EducationGB 100%
- SIGNPOST NEDERLANDNL 100%
- Signpost EducacionES 75%
According to the 2025 annual accounts of SGNPST and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Legal Entity Identifier
699400LRN7SBC7ABA661
Similar companies · same sector, comparable size
SOVEK
BE 0446.679.357
Roeselare · Eq €37,440,355
SMART INDUSTRIES
BE 0403.631.945
Kontich · Eq €37,338,476
Thys Holding
BE 0505.830.650
Kapellen · Eq €37,326,620
LPC Group Belgium
BE 0784.657.249
Sint-Martens-Latem · Eq €37,306,556
Amusing ourselves
BE 0890.896.203
Schoten · Eq €37,517,727
Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 3,164 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded27-09-2022
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0791482386
Registered
30-09-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.