SIBNA
ActiveSIBNA has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €135k and a net result of €9k. Equity is growing by ~9.3% per year across the filed fiscal years. Its solvency ranks better than 39% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+63
Solvency68▲+4
Growth62▲+1
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity short (current ratio 0.01 against 0.01 in 2024; short-term debt: 30.1% and cash: 0.3% of total assets), and 57.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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
42.7%
Return on assets
2.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
13 d late
2024
7 d early
2023
51 d late
2022
51 d late
2021
210 d late
2020
3 d early
2019
68 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€80k▲ 1.8%
2024 · €79k
2022: €82k
2023: €88k
2024: €79k
2022 → 2025
EBIT margin
12.9%▲ 20.1pp
2024 · -7.2%
2022: 6.1%
2023: 11.8%
2024: -7.2%
2022 → 2025
Net result
€9k
2024 · €-7k
2018: €-33k
2019: €-7k
2020: €-13k
2021: €4k
2022: €2k
2023: €5k
2024: €-7k
2018 → 2025
Working capital
€-94k▲ 4.6%
2024 · €-99k
2018: €-255k
2019: €-274k
2020: €-294k
2021: €-294k
2022: €-64k
2023: €-72k
2024: €-99k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€82k€88k▲ 7.7%€79k▼ 10.3%€80k▲ 1.8%
Equity€-47k-€-45k▲ 3.9%€-40k▲ 10.5%€126k€135k▲ 7.4%
Operating result€9k-€5k▼ 43.6%€10k▲ 108%€-6k€10k
Net result€4k-€2k▼ 51.9%€5k▲ 157%€-7k€9k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €10k after a loss of €6k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €317k
Fixed assets
€316k▼ 0.7%
Current assets
€916▲ 50.9%
Equity and liabilities €317k
Equity
€135k▲ 7.4%
Debt
€182k▼ 5.9%
The debt ratio falls from 60.5% to 57.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€13k▲
2024 · €-3k
Cash flow
€12k▲
2024 · €-4k
Solvency
42.7%▲
2024 · 39.5%
Current ratio
0.01▲
2024 · 0.01
Quick ratio
0.01▲
2024 · 0.01
Debt / equity
1.34▼
2024 · 1.53
ROE
6.9%▲
2024 · -5.8%
ROA
2.9%▲
2024 · -2.3%
Interest coverage
15.05▲
2024 · -1.72
Debt
€182k▼
2024 · €193k
Debt ≤ 1 year
€95k▼
2024 · €100k
Debt > 1 year
€86k▼
2024 · €93k
Income taxes
€262
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€319k€317k▼
Fixed assets21/28€318k€316k▼
Tangible fixed assets22/27€318k€316k▼
Land and buildings22€310k€310k=
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€4k€3k▼
Current assets29/58€607€916▲
Cash at bank and in hand54/58€607€916▲
Equity and liabilities
Total equity and liabilities10/49€319k€317k▼
Equity10/15€126k€135k▲
Contributions10/11€50k€50k=
Revaluation surpluses12€173k€173k=
Reserves13€8k€8k=
Distributable reserves133€8k€8k=
Profit (loss) carried forward14€-105k€-96k▲
Amounts payable17/49€193k€182k▼
Amounts payable after more than one year17€93k€86k▼
Financial debts170/4€93k€86k▼
Amounts payable within one year42/48€100k€95k▼
Current portion of amounts payable after more than one year42€15k€7k▼
Trade debts44€15k€14k▼
Suppliers440/4€15k€14k▼
Taxes, remuneration and social security45€526€386▼
Taxes450/3€526€386▼
Other amounts payable47/48€69k€74k▲
Income statement
Code20242025
Turnover70€79k€80k▲
Goods, raw materials, services and sundry goods60/61€80k€66k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€-1k€14k▲
Operating profit (loss)9901€-6k€10k▲
Financial charges65/66B€2k€847▼
Recurring financial charges65€2k€847▼
Profit (loss) for the period before taxes9903€-7k€10k▲
Income taxes67/77-€262
Profit (loss) for the period9904€-7k€9k▲
Profit (loss) for the period to be appropriated9905€-7k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-105k€-96k▲
Profit (loss) brought forward from the previous period14P€-98k€-105k▼
The notes to these accounts (7 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
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 13 days late
2025
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €126k
Equity rises from €-40k to €126k.
20-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 51 days late
2023
20-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 51 days late
26-02
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 210 days late
2021
31-12
Financial
Back to profitnet €4k
Net result €4k after 3 loss-making years.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 68 days late
2019
21-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 82 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 58 days late
2017
09-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 9 days late
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, Gerpinnes · 1 establishment unit since 2018
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.
Rue de la Ferme du Temple(VP) 76280 GerpinnesGround area
1,770 m²
Building footprint
237 m²
Volume, LiDAR
1,035 m³
2 parcels, Wallonia · tallest building 14.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Place d'Armes 19, 5600 Philippeville
since 20182.272.886.875
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52001C0046/00D003 | Wallonia | 1,686 m² | 1 · 158 m² | 14.0 m · 2 fl. |
| 93056D0248/00C000 | Wallonia | 83 m² | 1 · 79 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.
Recognitions · licences · registrations
Food safety, FASFC
1 sitePhilippeville2.272.886.875
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Of 5,700 companies in sector 70100 we hold annual accounts for 3,494. 2,343 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-09-2007
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.