SIBON
ActiveSIBON has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.68M and a net result of €202k. Equity is growing by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 63% of 1722 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
87
/ 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
Profitability77▼-1
Solvency78▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
Liquidity ample (current ratio 1.76 against 1.6 in 2024; short-term debt: 28% and cash: 37.1% of total assets), and 47% 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 01
Relative position
BE, all sectors
reference
Sector 01
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
53%
Return on assets
6.4%
Age of the figures
9 mo
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
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
15 d early
2023
35 d early
2022
56 d early
2021
55 d early
2020
66 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.68M▲ 9.8%
2024 · €1.53M
2019: €1.10M
2020: €1.21M
2021: €1.25M
2022: €1,000k
2023: €1.37M
2024: €1.53M
2019 → 2025
Total assets
€3.18M▼ 2.1%
2024 · €3.25M
2019: €2.32M
2020: €2.27M
2021: €2.83M
2022: €2.88M
2023: €3.03M
2024: €3.25M
2019 → 2025
Net result
€202k▼ 17.8%
2024 · €246k
2019: €-5k
2020: €106k
2021: €79k
2022: €-254k
2023: €475k
2024: €246k
2019 → 2025
Working capital
€681k▲ 20.4%
2024 · €566k
2019: €446k
2020: €541k
2021: €495k
2022: €29k
2023: €519k
2024: €566k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.25M-€1,000k▼ 20.2%€1.37M▲ 37.3%€1.53M▲ 11.7%€1.68M▲ 9.8%
Operating result€98k-€-226k€544k€354k▼ 34.9%€290k▼ 18.1%
Net result€79k-€-254k€475k€246k▼ 48.2%€202k▼ 17.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.18M
Fixed assets
€1.61M▼ 7.6%
Current assets
€1.57M▲ 4.1%
Equity and liabilities €3.18M
Equity
€1.68M▲ 9.8%
Debt
€1.49M▼ 12.9%
The debt ratio falls from 52.8% to 47.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€514k▼
2024 · €550k
Cash flow
€427k▼
2024 · €443k
Solvency
53.0%▲
2024 · 47.2%
Current ratio
1.76▲
2024 · 1.60
Quick ratio
1.76▲
2024 · 1.60
Debt / equity
0.89▼
2024 · 1.12
ROE
12.0%▼
2024 · 16.1%
ROA
6.4%▼
2024 · 7.6%
Interest coverage
33.02▲
2024 · 25.63
Debt
€1.49M▼
2024 · €1.71M
Debt ≤ 1 year
€891k▼
2024 · €943k
Debt > 1 year
€602k▼
2024 · €770k
Income taxes
€84k▼
2024 · €106k
Staff costs
€410k▲
2024 · €380k
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€3.25M€3.18M▼
Fixed assets21/28€1.74M€1.61M▼
Tangible fixed assets22/27€1.74M€1.61M▼
Land and buildings22€615k€574k▼
Plant, machinery and equipment23€915k€841k▼
Furniture and vehicles24€1k€143▼
Other tangible fixed assets26€206k€191k▼
Financial fixed assets28€250€250=
Current assets29/58€1.51M€1.57M▲
Amounts receivable within one year40/41€525k€394k▼
Trade receivables40€515k€369k▼
Other amounts receivable41€10k€25k▲
Cash at bank and in hand54/58€970k€1.18M▲
Deferred charges and accrued income490/1€14k-
Equity and liabilities
Total equity and liabilities10/49€3.25M€3.18M▼
Equity10/15€1.53M€1.68M▲
Contributions10/11€300k€300k=
Reserves13€1.23M€1.33M▲
Distributable reserves133€1.23M€1.33M▲
Investment grants15-€54k
Amounts payable17/49€1.71M€1.49M▼
Amounts payable after more than one year17€770k€602k▼
Financial debts170/4€770k€602k▼
Amounts payable within one year42/48€943k€891k▼
Current portion of amounts payable after more than one year42€167k€168k▲
Trade debts44€616k€511k▼
Suppliers440/4€616k€511k▼
Taxes, remuneration and social security45€60k€92k▲
Taxes450/3€16k€43k▲
Remuneration and social security454/9€44k€49k▲
Other amounts payable47/48€100k€120k▲
Income statement
Code20242025
Remuneration, social security and pensions62€380k€410k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€197k€224k▲
Other operating charges640/8€17k€17k▲
Gross operating margin9900€947k€941k▼
Operating profit (loss)9901€354k€290k▼
Financial income75/76B€20k€12k▼
Recurring financial income75€20k€12k▼
Financial charges65/66B€21k€16k▼
Recurring financial charges65€21k€16k▼
Profit (loss) for the period before taxes9903€352k€286k▼
Income taxes67/77€106k€84k▼
Profit (loss) for the period9904€246k€202k▼
Profit (loss) for the period to be appropriated9905€246k€202k▼
Appropriation of the result
Profit (loss) to be appropriated9906€246k€202k▼
Transfer from equity791/2€85k€106k▲
Transfer to equity691/2€246k€202k▼
To other reserves6921€246k€202k▼
Profit to be distributed694/7€85k€106k▲
Return on contributions (dividend)694€85k€106k▲
Social balance
Average headcount (FTE)908711.911.1▼
The notes to these accounts (16 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
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €475k
Net result €475k after one loss-making year.
31-12
Financial
Equity above €1MEq €1.37M ▲37.3%
Equity rises from €1,000k to €1.37M.
2022
06-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
30-06
Financial
Weakest financial yearnet €-254k ▼422%
Net result drops to €-254k, the lowest in the series; recovery starts the following year.
2021
07-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
26-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
30-06
Financial
Back to profitnet €106k
Net result €106k after one loss-making year.
10-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
22-11
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
05-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
26-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Rumst · 2 establishment units since 2008
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.
Herderstraat 132840 RumstGround area
9,459 m²
Building footprint
627 m²
Volume, LiDAR
2,964 m³
3 parcels, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
SIBON
since 20082.169.766.373
SIBON
since 20082.169.055.503
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12302D0398/00E000 | Flanders | 6,408 m² | 1 · 156 m² | 8.3 m · 2 fl. |
| 11037A0087/00X000 | Flanders | 1,551 m² | 1 · 232 m² | 9.3 m · 1 fl. |
| 11037A0090/00B000 | Flanders | 1,500 m² | 1 · 239 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels 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 · 34,946 EUR awarded · 34,946 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 34,946 EUR | 34,946 EUR |
Schemes
Investeringssteun voor land- en tuinbouwers
Recognitions · licences · registrations
Food safety, FASFC
1 siteDuffel2.169.766.373
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Of 3,625 companies in sector 01130 we hold annual accounts for 789. 536 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-02-2008
Fiscal year end31-12
Activities, NACEBEL
01130Growing of vegetables, melons, roots and tubers
35110Production of electricity from non-renewable sources
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.