SIAU
ActiveThe computed 12-month bankruptcy probability of SIAU is 3.7% (moderate). The 2025 annual accounts show negative equity (€-8k) and a net result of €-13k. Its solvency ranks better than 9% of 27619 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
32
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability18▼-31
Solvency22▼-12
Growth32
Track record94
Bankruptcy probability, 12 months
3.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.41 against 1.09 in 2024; short-term debt: 28.5% and cash: 0.2% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-3.3%
Return on assets
-5%
Age of the figures
12 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2425
2024 to 2025 · latest year €-8k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 08-04-2026, 22 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
22 d early
2024
1 d early
← before the deadline
after the deadline →
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
20-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-8k
2024 · €4k
2024: €4k
2024 → 2025
Total assets
€252k▲ 403%
2024 · €50k
2024: €50k
2024 → 2025
Net result
€-13k
2024 · €2k
2024: €2k
2024 → 2025
Working capital
€-42k
2024 · €4k
2024: €4k
2024 → 2025
Multi-year overview
Available amounts per fiscal year
Line20242025Trend
Equity€4k-€-8k
Operating result€4k-€-8k
Net result€2k-€-13k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €4k in 2024.
Balance-sheet composition
Assets €252k
Fixed assets
€222k
Current assets
€30k
Key figures and ratios
EBITDA
€3k
Cash flow
€-1k
Solvency
-3.3%▼
2024 · 8.6%
Current ratio
0.41▼
2024 · 1.09
Quick ratio
0.21▼
2024 · 0.77
Debt / equity
-31.64▼
2024 · 10.66
ROA
-5.0%▼
2024 · 4.6%
Interest coverage
0.69
Debt
€260k▲
2024 · €46k
Debt ≤ 1 year
€72k▲
2024 · €46k
Debt > 1 year
€188k
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€50k€252k▲
Fixed assets21/28-€222k
Tangible fixed assets22/27-€222k
Land and buildings22-€201k
Furniture and vehicles24-€21k
Current assets29/58€50k€30k▼
Stocks and contracts in progress3€15k€15k=
Stocks30/36€15k€15k=
Amounts receivable within one year40/41€23k€14k▼
Trade receivables40€23k€14k▼
Other amounts receivable41€150-
Cash at bank and in hand54/58€9k€579▼
Deferred charges and accrued income490/1€4k€820▼
Equity and liabilities
Total equity and liabilities10/49€50k€252k▲
Equity10/15€4k€-8k▼
Contributions10/11€2k€2k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14-€-13k
Amounts payable17/49€46k€260k▲
Amounts payable after more than one year17-€188k
Financial debts170/4-€188k
Amounts payable within one year42/48€46k€72k▲
Current portion of amounts payable after more than one year42-€15k
Trade debts44€21k€35k▲
Suppliers440/4€21k€35k▲
Taxes, remuneration and social security45€2k€5k▲
Taxes450/3€2k€5k▲
Other amounts payable47/48€22k€17k▼
Accrued charges and deferred income492/3-€146
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€11k
Other operating charges640/8€384€443▲
Gross operating margin9900€4k€3k▼
Operating profit (loss)9901€4k€-8k▼
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€39€4k▲
Recurring financial charges65€39€4k▲
Profit (loss) for the period before taxes9903€4k€-13k▼
Income taxes67/77€2k-
Profit (loss) for the period9904€2k€-13k▼
Profit (loss) for the period to be appropriated9905€2k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€-13k▼
Transfer to equity691/2€2k-
To other reserves6921€2k-
The notes to these accounts (11 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
08-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Dendermonde · 1 establishment unit since 2023
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.
Kazernestraat (DEN) 209200 DendermondeGround area
123 m²
Building footprint
71 m²
Volume, LiDAR
629 m³
Parcel 42006C0347/00D002, Flanders · tallest building 13.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
SIAU
since 20232.348.951.406
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42006C0347/00D002 | Flanders | 122 m² | 1 · 71 m² | 13.2 m · 4 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 5,052 EUR awarded · 5,052 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 5,052 EUR | 5,052 EUR |
Schemes
Individueel Maatwerk
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Of 9,530 companies in sector 43222 we hold annual accounts for 5,661. 1,412 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-08-2023
Fiscal year end30-09
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.