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SI BEL SO

Active
Private limited companyfounded 2007active for 19 yearsIndustriepark-West 73, 9100 Sint-Niklaas, BelgiumKBO/BCE: BE 0889.842.663
Summary

The computed 12-month bankruptcy probability of SI BEL SO is 2.3% (moderate). The 2025 annual accounts show negative equity (-€301,751) and a net result of -€2,989. Equity is shrinking by about 7.7% per year across the filed financial years. Its solvency ranks better than 5% of 1,276 sector peers (NACE 95, financial year 2025). The company has been active since 2007 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Repair and maintenance of other personal and household goods
NACE 95290Personal service activities NACE 96910
4 sites
Size
€68,048total assets 2025
Staff
10.7 FTE
Equity
-€301,751
Loss
-€2,989
Turnover not published (abbreviated format)
Financial health
51 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
2.3%
Structure
Accounts 22 days early2 of 9 deeds read
Why 51raises riskNegative equity -€301,751Size: 10.7 FTE, total assets €68,0481 change of registered office in 24 monthslowers riskLiquidity: current ratio 0.18, cash €33,891Show the evidence

Checked score

Score 2025
51 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 26% of its sector peers (NACE 95, small)
Financial strength · tick = 2024
Weak
Solvency 0=
equity -443.4% of total assets
Liquidity 50+24
short-term debt 541.2% · cash 49.8%
Profitability 13+13
return on assets -4.4%
Bankruptcy probability, 12 months
2.3% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (327 companies, NACE 95, small)
Last 24 months 11-2024: 2.0% 12-2024: 2.0%● unchanged vs 11-2024 01-2025: 2.0%● unchanged vs 12-2024 02-2025: 2.0%● unchanged vs 01-2025 03-2025: 1.9%▼ -0.1 percentage points vs 02-2025 04-2025: 2.0%▲ +0.1 percentage points vs 03-2025 05-2025: 1.9%▼ -0.1 percentage points vs 04-2025 06-2025: 1.8%▼ -0.1 percentage points vs 05-2025lowest value 07-2025: 1.9%▲ +0.1 percentage points vs 06-2025 08-2025: 5.3%▲ +3.4 percentage points vs 07-2025 09-2025: 5.3%● unchanged vs 08-2025 10-2025: 5.3%● unchanged vs 09-2025 11-2025: 5.3%● unchanged vs 10-2025 12-2025: 5.3%● unchanged vs 11-2025 01-2026: 5.3%● unchanged vs 12-2025 02-2026: 5.3%● unchanged vs 01-2026 03-2026: 5.1%▼ -0.2 percentage points vs 02-2026 04-2026: 5.1%● unchanged vs 03-2026 05-2026: 5.0%▼ -0.1 percentage points vs 04-2026 06-2026: 6.1%▲ +1.1 percentage points vs 05-2026 07-2026: 6.2%▲ +0.1 percentage points vs 06-2026highest value 08-2026: 2.3%▼ -3.9 percentage points vs 07-2026 09-2026: 2.3%● unchanged vs 08-2026 10-2026: 2.3%● unchanged vs 09-2026
No credit on open account
Liquidity insufficient (current ratio 0.18, compared with 0.18 in 2024, below 1; short-term debt: 541.2% and cash: 49.8% of total assets), and equity is negative.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 95, small): better than 2% on solvency, 67% on liquidity, 7% on profitability and 30% on growth.

The bankruptcy probability was computed on 17-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
raises risk · Negative equity -€301,751
NBB · annual accounts
lowers risk · Liquidity: current ratio 0.18, cash €33,891
NBB · annual accounts
raises risk · Size: 10.7 FTE, total assets €68,048
Companies of this size fail more often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year -€301,751
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
22 days early
2024
2 days early
2023
on the day
2022
31 days late
2021
24 days late
2020
8 days early
2019
7 days 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 2 days after the deadline; the sector median (NACE 95) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 1 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
18-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Registered officeRegistered-office move · Director in…
  3. Appointment: VAN RAEMDONCK Hedwig (director)Amendment of the articles ·…

Key points

  • Risk: Negative equityfinancial year 2025: debts exceed assets -€301,751 View
  • Caution: Among the weakest 5% on solvencysector median 43.6% · 1,276 companies -443.4% View
  • Caution: Staff fell in 2025from 17.4 FTE to 10.7 FTE ▼ 38.5% View
  • Caution: 2 loss-making years in a rowloss financial year 2025 -€2,989 View
  • Flemish supportawarded from 2022 to 2025 €1.3m View

By topic

Financials

Financial year
2025
Total assets
€68,048
Loss
-€2,989
Solvency
-443.4%
Total assets▼ 2.4%
Net result
20182025
Go to Financials

Timeline

Events
23
Since
2009
Next accounts
by 31-07-2027
  1. 29-07-2025Annual accounts filed
  2. 31-07-2024Annual accounts filed
  3. 31-12-2023Back to profit
Go to Timeline

Company details

Sites
4
Legal form
Private limited company
Activity
Repair and maintenance of other personal and household…NACE 95290
Founded
05-06-2007
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
28
Annual meeting
Second Friday of June at 18:00
Purpose
“Het verstrekken van laaggekwalificeerde diensten zoals schoonmaken, strijkdiensten…” (deed in Dutch)
Go to Articles of association

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