SiBamCo
ActiveSiBamCo is younger than twelve months; there is no public track record yet to compute a bankruptcy probability from. The 2025 annual accounts show equity of €44k and a net result of €44k. Its solvency ranks better than 37% of 31527 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes
Profitability100
Solvency76
Growth-
Stability50
Credit verdict
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.66), but 60.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2025, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
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 17-07-2026, 14 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
14 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€44k
Total assets
€110k
Net result
€44k
Working capital
€44k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €110k
Equity
€44k
Debt
€66k
Debt finances 60.4% of the balance-sheet total.
Key figures and ratios
Solvency
39.6%
Current ratio
1.66
Quick ratio
1.66
Debt / equity
1.52
ROE
100.0%
ROA
39.6%
Debt
€66k
Debt ≤ 1 year
€66k
Income taxes
€11k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€110k
Current assets29/58€110k
Amounts receivable within one year40/41€78k
Trade receivables40€78k
Cash at bank and in hand54/58€32k
Equity and liabilities
Total equity and liabilities10/49€110k
Equity10/15€44k
Contributions10/11€1
Reserves13€44k
Distributable reserves133€44k
Amounts payable17/49€66k
Amounts payable within one year42/48€66k
Trade debts44€696
Suppliers440/4€696
Taxes, remuneration and social security45€24k
Taxes450/3€24k
Other amounts payable47/48€41k
Accrued charges and deferred income492/3€35
Income statement
Code2025
Other operating charges640/8€50
Gross operating margin9900€55k
Operating profit (loss)9901€55k
Financial income75/76B€11
Recurring financial income75€11
Financial charges65/66B€7
Recurring financial charges65€7
Profit (loss) for the period before taxes9903€55k
Income taxes67/77€11k
Profit (loss) for the period9904€44k
Profit (loss) for the period to be appropriated9905€44k
Appropriation of the result
Profit (loss) to be appropriated9906€44k
Transfer to equity691/2€44k
To other reserves6921€44k
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · 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, Kortrijk · 1 establishment unit since 2025
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.
Kapelrieland(Heu) 48501 KortrijkGround area
613 m²
Building footprint
149 m²
Volume, LiDAR
1,070 m³
Parcel 34016C0547/00Z002, Flanders · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Kapelrieland(Heu) 4, 8501 Kortrijk
since 20252.379.106.132
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34016C0547/00Z002 | Flanders | 613 m² | 1 · 149 m² | 10.5 m · 3 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.
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 37,174 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-10-2025
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress 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.