SIBECA
ActiveSIBECA has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €302k and a net result of €2k. Equity is growing by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 78% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
75
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability4▼-34
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 8.34 against 5.09 in 2024), and 18.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
81.3%
Return on assets
0.6%
Age of the figures
9 mo
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
75 d early
2023
68 d early
2022
50 d early
2021
71 d early
2020
51 d early
2019
21 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€302k▼ 8.6%
2024 · €330k
2018: €228k
2019: €259k
2020: €301k
2021: €329k
2022: €373k
2023: €372k
2024: €330k
2018 → 2025
Total assets
€371k▼ 16.5%
2024 · €445k
2018: €311k
2019: €350k
2020: €356k
2021: €394k
2022: €452k
2023: €510k
2024: €445k
2018 → 2025
Net result
€2k▼ 90.9%
2024 · €25k
2018: €67k
2019: €31k
2020: €42k
2021: €40k
2022: €72k
2023: €68k
2024: €25k
2018 → 2025
Working capital
€326k▼ 8.6%
2024 · €357k
2018: €270k
2019: €318k
2020: €335k
2021: €363k
2022: €388k
2023: €402k
2024: €357k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€329k-€373k▲ 13.4%€372k▼ 0.2%€330k▼ 11.2%€302k▼ 8.6%
Operating result€53k-€98k▲ 84.2%€92k▼ 5.8%€34k▼ 63.0%€3k▼ 89.9%
Net result€40k-€72k▲ 82.1%€68k▼ 6.3%€25k▼ 63.0%€2k▼ 90.9%
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 90% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €371k
Fixed assets
€808=
Current assets
€371k▼ 16.5%
Equity and liabilities €371k
Equity
€302k▼ 8.6%
Debt
€69k▼ 39.3%
The debt ratio falls from 25.7% to 18.7%: debt falls faster than equity shrinks.
Key figures and ratios
Solvency
81.3%▲
2024 · 74.3%
Current ratio
8.34▲
2024 · 5.09
Quick ratio
8.34▲
2024 · 5.09
Debt / equity
0.23▼
2024 · 0.35
ROE
0.8%▼
2024 · 7.6%
ROA
0.6%▼
2024 · 5.6%
Debt
€69k▼
2024 · €114k
Debt ≤ 1 year
€44k▼
2024 · €87k
Debt > 1 year
€875=
2024 · €875
Income taxes
€1k▼
2024 · €10k
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€445k€371k▼
Fixed assets21/28€808€808=
Financial fixed assets28€808€808=
Current assets29/58€444k€371k▼
Amounts receivable after more than one year29€221k€323k▲
Other amounts receivable291€221k€323k▲
Amounts receivable within one year40/41€113k€46k▼
Trade receivables40€90k€18k▼
Other amounts receivable41€23k€28k▲
Cash at bank and in hand54/58€109k€508▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€445k€371k▼
Equity10/15€330k€302k▼
Contributions10/11€62k€62k=
Reserves13€284k€255k▼
Distributable reserves133€284k€255k▼
Profit (loss) carried forward14€-15k€-15k=
Amounts payable17/49€114k€69k▼
Amounts payable after more than one year17€875€875=
Other amounts payable178/9€875€875=
Amounts payable within one year42/48€87k€44k▼
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€23k€14k▼
Taxes450/3€20k€11k▼
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€63k€29k▼
Accrued charges and deferred income492/3€26k€24k▼
Income statement
Code20242025
Other operating charges640/8€713€784▲
Gross operating margin9900€35k€4k▼
Operating profit (loss)9901€34k€3k▼
Financial income75/76B€1k€215▼
Recurring financial income75€1k€215▼
Financial charges65/66B€221€192▼
Recurring financial charges65€221€192▼
Profit (loss) for the period before taxes9903€35k€3k▼
Income taxes67/77€10k€1k▼
Profit (loss) for the period9904€25k€2k▼
Profit (loss) for the period to be appropriated9905€25k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€-12k▼
Profit (loss) brought forward from the previous period14P€-15k€-15k=
Transfer from equity791/2€67k€31k▼
Transfer to equity691/2€25k€2k▼
To other reserves6921€25k€2k▼
Profit to be distributed694/7€67k€31k▼
Return on contributions (dividend)694-€31k
Directors or managers695€67k-
The notes to these accounts (6 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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €2k ▼90.9%
Net result drops to €2k, the lowest in the series.
17-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €72k ▲82.1%
Operating result €98k, net result €72k, both a record.
21-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
09-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Oostende · 1 establishment unit since 1990
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.
Frère-Orbanstraat 1878400 OostendeGround area
162 m²
Building footprint
99 m²
Volume, LiDAR
763 m³
Parcel 35383C0388/00D011, Flanders · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
MASCULINO
since 19902.047.130.560
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35383C0388/00D011 | Flanders | 162 m² | 1 · 98 m² | 11.4 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.
Recognitions · licences · registrations
Legal Entity Identifier
9676005DR34WLSSBK886
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 37,994 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-02-1990
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.