Summary
Si&Li 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 €258k and a net result of €36k. Equity is growing by ~20.1% per year across the filed fiscal years. Its solvency ranks better than 19% of 8048 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 8048 sector peers (2025).
NBB · sector comparisonPosition among 8048 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 06-07-2026, 67 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
67 d late
2024
7 d early
2023
26 d early
2022
10 d early
2021
5 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€258k▲ 16.4%
2024 · €222k
2021: €89klowest in 5 years
2022: €149k▲ +66.5% vs 2021
2023: €188k▲ +26.2% vs 2022
2024: €222k▲ +18.0% vs 2023
2025: €258k▲ +16.4% vs 2024highest in 5 years
2021 → 2025
Net result
€36k▲ 7.5%
2024 · €34k
2021: €49k
2022: €59k▲ +20.4% vs 2021highest in 5 years
2023: €39k▼ -34.5% vs 2022
2024: €34k▼ -13.2% vs 2023lowest in 5 years
2025: €36k▲ +7.5% vs 2024
2021 → 2025
Total assets
€1.89M▼ 1.7%
2024 · €1.92M
2021: €2.06Mhighest in 5 years
2022: €2.02M▼ -1.8% vs 2021
2023: €1.99M▼ -1.5% vs 2022
2024: €1.92M▼ -3.4% vs 2023
2025: €1.89M▼ -1.7% vs 2024lowest in 5 years
2021 → 2025
Solvency
13.6%▲ 2.1pp
2024 · 11.5%
2021: 4.3%lowest in 5 years
2022: 7.4%▲ +69.5% vs 2021
2023: 9.4%▲ +28.1% vs 2022
2024: 11.5%▲ +22.1% vs 2023
2025: 13.6%▲ +18.5% vs 2024highest in 5 years
2021 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€89k-€149k▲ 66.5%€188k▲ 26.2%€222k▲ 18.0%€258k▲ 16.4%
2021: €89klowest in 5 years
2022: €149k▲ +66.5% vs 2021
2023: €188k▲ +26.2% vs 2022
2024: €222k▲ +18.0% vs 2023
2025: €258k▲ +16.4% vs 2024highest in 5 years
Operating result€77k-€105k▲ 35.2%€79k▼ 24.5%€75k▼ 4.8%€73k▼ 3.0%
2021: €77k
2022: €105k▲ +35.2% vs 2021highest in 5 years
2023: €79k▼ -24.5% vs 2022
2024: €75k▼ -4.8% vs 2023
2025: €73k▼ -3.0% vs 2024lowest in 5 years
Net result€49k-€59k▲ 20.4%€39k▼ 34.5%€34k▼ 13.2%€36k▲ 7.5%
2021: €49k
2022: €59k▲ +20.4% vs 2021highest in 5 years
2023: €39k▼ -34.5% vs 2022
2024: €34k▼ -13.2% vs 2023lowest in 5 years
2025: €36k▲ +7.5% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 3% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.89M
Fixed assets
€1.74M ▼ 3.7%
Current assets
€148k ▲ 30.2%
Equity and liabilities €1.89M
Equity
€258k ▲ 16.4%
Debt
€1.63M ▼ 4.1%
Debt's share of the balance-sheet total falls from 88.5% to 86.4%. Equity is higher and debt is lower.
Key figures and ratios
ROE
14.1%▼
2024 · 15.3%
ROA
1.9%▲
2024 · 1.8%
Debt ≤ 1 year
€214k▲
2024 · €157k
Debt > 1 year
€1.41M▼
2024 · €1.54M
Income taxes
€16k▲
2024 · €14k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.92M€1.89M▼
Fixed assets21/28€1.81M€1.74M▼
Tangible fixed assets22/27€1.46M€1.40M▼
Land and buildings22€1.46M€1.39M▼
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€348k€348k=
Current assets29/58€114k€148k▲
Amounts receivable within one year40/41€93k€129k▲
Trade receivables40€82k€121k▲
Other amounts receivable41€11k€8k▼
Cash at bank and in hand54/58€4k-
Deferred charges and accrued income490/1€17k€19k▲
Equity and liabilities
Total equity and liabilities10/49€1.92M€1.89M▼
Equity10/15€222k€258k▲
Contributions10/11€40k€40k=
Reserves13€182k€218k▲
Distributable reserves133€182k€218k▲
Amounts payable17/49€1.70M€1.63M▼
Amounts payable after more than one year17€1.54M€1.41M▼
Financial debts170/4€1.54M€1.41M▼
Amounts payable within one year42/48€157k€214k▲
Current portion of amounts payable after more than one year42€130k€163k▲
Trade debts44€3k€8k▲
Suppliers440/4€3k€8k▲
Taxes, remuneration and social security45€23k€21k▼
Taxes450/3€20k€21k▲
Remuneration and social security454/9€3k-
Other amounts payable47/48€1k€21k▲
Accrued charges and deferred income492/3€7k€10k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€68k€68k▼
Other operating charges640/8€11k€11k▲
Gross operating margin9900€154k€152k▼
Operating profit (loss)9901€75k€73k▼
Financial income75/76B€319-
Recurring financial income75€319-
Financial charges65/66B€28k€21k▼
Recurring financial charges65€28k€21k▼
Profit (loss) for the period before taxes9903€48k€52k▲
Income taxes67/77€14k€16k▲
Profit (loss) for the period9904€34k€36k▲
Profit (loss) for the period to be appropriated9905€34k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€34k€36k▲
Transfer to equity691/2€34k€36k▲
To other reserves6921€34k€36k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €67k | €68k | €68k | €68k | ▼ 0.1% |
| Other operating charges640/8 | €884 | €505 | €7k | €11k | €11k | ▲ 1.3% |
| Gross operating margin9900 | €85k | €172k | €154k | €154k | €152k | ▼ 1.4% |
| Operating profit (loss)9901 | €77k | €105k | €79k | €75k | €73k | ▼ 3.0% |
| Financial income75/76B | €116 | €141 | €154 | €319 | - | - |
| Recurring financial income75 | €116 | €141 | €154 | €319 | - | - |
| Financial charges65/66B | €11k | €25k | €26k | €28k | €21k | ▼ 23.6% |
| Recurring financial charges65 | €11k | €25k | €26k | €28k | €21k | ▼ 23.6% |
| Profit (loss) for the period before taxes9903 | €66k | €80k | €53k | €48k | €52k | ▲ 8.1% |
| Income taxes67/77 | €17k | €20k | €14k | €14k | €16k | ▲ 9.7% |
| Profit (loss) for the period9904 | €49k | €59k | €39k | €34k | €36k | ▲ 7.5% |
| Profit (loss) for the period to be appropriated9905 | €49k | €59k | €39k | €34k | €36k | ▲ 7.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.06M | €2.02M | €1.99M | €1.92M | €1.89M | ▼ 1.7% |
| Fixed assets21/28 | €2.01M | €1.94M | €1.88M | €1.81M | €1.74M | ▼ 3.7% |
| Tangible fixed assets22/27 | €1.66M | €1.59M | €1.53M | €1.46M | €1.40M | ▼ 4.6% |
| Land and buildings22 | €1.66M | €1.59M | €1.53M | €1.46M | €1.39M | ▼ 4.6% |
| Furniture and vehicles24 | €287 | €2k | €4k | €3k | €2k | ▼ 37.1% |
| Financial fixed assets28 | €348k | €348k | €348k | €348k | €348k | = |
| Current assets29/58 | €50k | €79k | €113k | €114k | €148k | ▲ 30.2% |
| Amounts receivable within one year40/41 | €42k | €65k | €85k | €93k | €129k | ▲ 38.3% |
| Trade receivables40 | €40k | €63k | €80k | €82k | €121k | ▲ 46.6% |
| Other amounts receivable41 | €2k | €2k | €6k | €11k | €8k | ▼ 23.7% |
| Cash at bank and in hand54/58 | €8k | €10k | €8k | €4k | - | - |
| Deferred charges and accrued income490/1 | €112 | €4k | €19k | €17k | €19k | ▲ 15.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.06M | €2.02M | €1.99M | €1.92M | €1.89M | ▼ 1.7% |
| Equity10/15 | €89k | €149k | €188k | €222k | €258k | ▲ 16.4% |
| Contributions10/11 | €40k | €40k | €40k | €40k | €40k | = |
| Reserves13 | €49k | €109k | €148k | €182k | €218k | ▲ 20.0% |
| Distributable reserves133 | €49k | €109k | €148k | €182k | €218k | ▲ 20.0% |
| Amounts payable17/49 | €1.97M | €1.87M | €1.80M | €1.70M | €1.63M | ▼ 4.1% |
| Amounts payable after more than one year17 | €1.91M | €1.74M | €1.67M | €1.54M | €1.41M | ▼ 8.5% |
| Financial debts170/4 | €1.91M | €1.74M | €1.67M | €1.54M | €1.41M | ▼ 8.5% |
| Amounts payable within one year42/48 | €59k | €136k | €136k | €157k | €214k | ▲ 36.6% |
| Current portion of amounts payable after more than one year42 | €33k | €104k | €103k | €130k | €163k | ▲ 26.2% |
| Trade debts44 | €343 | €988 | €10k | €3k | €8k | ▲ 188% |
| Suppliers440/4 | €343 | €988 | €10k | €3k | €8k | ▲ 188% |
| Taxes, remuneration and social security45 | €24k | €30k | €22k | €23k | €21k | ▼ 8.6% |
| Taxes450/3 | €24k | €27k | €19k | €20k | €21k | ▲ 5.6% |
| Remuneration and social security454/9 | - | €3k | €3k | €3k | - | - |
| Other amounts payable47/48 | €1k | €1k | €1k | €1k | €21k | ▲ 2,016% |
| Accrued charges and deferred income492/3 | - | - | - | €7k | €10k | ▲ 40.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €49k | €59k | €39k | €34k | €36k | ▲ 7.5% |
| + Depreciation and write-downs630 | €7k | €67k | €68k | €68k | €68k | ▼ 0.1% |
| Operating cash flow (approximation) | €56k | €126k | €107k | €102k | €104k | ▲ 2.4% |
| Investment in fixed assets (approximation) | - | €-2k | €-4k | €0 | €0 | - |
| Change in cash | - | €2k | €-2k | €-4k | - | - |
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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 67 days late
2025
23-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €34k ▼13.2%
Net result drops to €34k, the lowest in the series; recovery starts the following year.
30-09
Financial
Equity above €200kEq €222k ▲18%
4 profitable years in a row build equity to €222k.
04-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €150kEq €188k ▲26.2%
3 profitable years in a row build equity to €188k.
20-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2021net €59k ▲20.4%
Operating result €105k, net result €59k, both a record.
30-09
Financial
Equity above €100kEq €149k ▲66.5%
2 profitable years in a row build equity to €149k.
25-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Balen · 1 establishment unit since 2020
Ground area
1,184 m²
Building footprint
170 m²
Volume, LiDAR
730 m³
Parcel 13003E1371/00R000, Flanders · tallest building 6.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Si&Li
since 20202.304.704.162
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13003E1371/00R000 | Flanders | 1,184 m² | 1 · 170 m² | 6.6 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 13,683 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
Founded06-07-2020
Fiscal year end30-09
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
73300Public relations and communication consultancy
82100Office administrative and support services
Scores and ratios are computed by Checked and are not a credit decision.