SIBILLE THOMAS
ActiveSummary
SIBILLE THOMAS has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €32k and a net result of €342k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+6
Solvency27▼-14
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 0.92 against 1.1 in 2024; short-term debt: 79.6% and cash: 15.2% of total assets), and 98.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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 · 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
1.7%
Return on assets
18.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 8663 sector peers (2025).
NBB · sector comparisonPosition among 8663 sector peers
Solvency
better than 10%
← weakest
strongest →
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
29 d late
2023
30 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
32 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€32k▼ 88.1%
2024 · €267k
2018: €-104k
2019: €-188
2020: €200k
2021: €314k
2022: €373k
2023: €529k
2024: €267k
2018 → 2025
Total assets
€1.82M▲ 7.1%
2024 · €1.70M
2018: €468k
2019: €722k
2020: €1.33M
2021: €1.55M
2022: €1.41M
2023: €1.57M
2024: €1.70M
2018 → 2025
Net result
€342k▲ 44.7%
2024 · €236k
2018: €-147k
2019: €104k
2020: €200k
2021: €222k
2022: €178k
2023: €156k
2024: €236k
2018 → 2025
Working capital
€-115k
2024 · €110k
2018: €-457k
2019: €-191k
2020: €280k
2021: €293k
2022: €243k
2023: €402k
2024: €110k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€314k-€373k▲ 18.9%€529k▲ 41.7%€267k▼ 49.4%€32k▼ 88.1%
Operating result€306k-€249k▼ 18.5%€226k▼ 9.4%€328k▲ 45.2%€467k▲ 42.4%
Net result€222k-€178k▼ 19.8%€156k▼ 12.1%€236k▲ 51.1%€342k▲ 44.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 42% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.82M
Fixed assets
€487k ▼ 8.0%
Current assets
€1.34M ▲ 13.9%
Equity and liabilities €1.82M
Equity
€32k ▼ 88.1%
Debt
€1.79M ▲ 24.8%
Debt's share of the balance-sheet total rises from 84.3% to 98.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€523k▲
2024 · €381k
Cash flow
€399k▲
2024 · €290k
Current ratio
0.92▼
2024 · 1.10
Debt to equity
56.27▲
2024 · 5.37
ROA
18.7%▲
2024 · 13.9%
Interest coverage
18.08▲
2024 · 12.02
Debt ≤ 1 year
€1.45M▲
2024 · €1.06M
Debt > 1 year
€315k▼
2024 · €348k
Income taxes
€111k▲
2024 · €74k
A ratio outside any meaningful range has been withheld (balance sheet total €1.82M, equity €32k).
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 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.70M€1.82M▲
Fixed assets21/28€529k€487k▼
Tangible fixed assets22/27€529k€486k▼
Land and buildings22€461k€441k▼
Furniture and vehicles24€68k€44k▼
Financial fixed assets28-€1k
Current assets29/58€1.17M€1.34M▲
Amounts receivable after more than one year29€646k€714k▲
Other amounts receivable291€646k€714k▲
Amounts receivable within one year40/41€294k€334k▲
Trade receivables40€289k€334k▲
Other amounts receivable41€6k-
Cash at bank and in hand54/58€222k€278k▲
Deferred charges and accrued income490/1€12k€12k▼
Equity and liabilities
Total equity and liabilities10/49€1.70M€1.82M▲
Equity10/15€267k€32k▼
Contributions10/11€30k€30k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€235k-
Amounts payable17/49€1.44M€1.79M▲
Amounts payable after more than one year17€348k€315k▼
Financial debts170/4€348k€315k▼
Amounts payable within one year42/48€1.06M€1.45M▲
Current portion of amounts payable after more than one year42€45k€33k▼
Financial debts43€429k€482k▲
Credit institutions430/8€743€600▼
Other loans439€429k€481k▲
Trade debts44€11k€5k▼
Suppliers440/4€11k€5k▼
Taxes, remuneration and social security45€132k€154k▲
Taxes450/3€132k€154k▲
Other amounts payable47/48€447k€780k▲
Accrued charges and deferred income492/3€24k€24k▲
Income statement
Code20242025
Non-recurring operating income76A€17k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€54k€57k▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€252€127▼
Gross operating margin9900€384k€525k▲
Operating profit (loss)9901€328k€467k▲
Financial income75/76B€14k€16k▲
Recurring financial income75€14k€16k▲
Financial charges65/66B€32k€29k▼
Recurring financial charges65€32k€29k▼
Profit (loss) for the period before taxes9903€310k€453k▲
Income taxes67/77€74k€111k▲
Profit (loss) for the period9904€236k€342k▲
Profit (loss) for the period to be appropriated9905€236k€342k▲
Appropriation of the result
Profit (loss) to be appropriated9906€733k€578k▼
Profit (loss) brought forward from the previous period14P€497k€235k▼
Profit to be distributed694/7€498k€578k▲
Return on contributions (dividend)694€498k€578k▲
The notes to these accounts (12 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €342k ▲44.7%
Operating result €467k, net result €342k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €500kEq €529k ▲41.7%
5 profitable years in a row build equity to €529k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €200kEq €314k ▲57%
3 profitable years in a row build equity to €314k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 1.56
Current ratio from 0.45 to 1.56.
31-12
Financial
Equity above €150kEq €200k
2 profitable years in a row build equity to €200k.
01-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 32 days late
Show earlier events
2019
31-12
Financial
Back to profitnet €104k
Net result €104k after one loss-making year.
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Ramillies · 1 establishment unit since 2015
Ground area
3,380 m²
Building footprint
204 m²
Volume, LiDAR
677 m³
2 parcels, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SIBILLE THOMAS
since 20152.247.593.532
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25002B0010/00L000 | Wallonia | 1,892 m² | 1 · 104 m² | 8.0 m · 2 fl. |
| 25002B0011/00D000 | Wallonia | 1,487 m² | 1 · 99 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 34,894 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-10-2015
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.