Sibz
ActiveThe computed 12-month bankruptcy probability of Sibz is 5.1% (elevated). The 2025 annual accounts show negative equity (€-6k) and a net result of €787. Equity is growing by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 15% of 13009 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
3
/ 100
Critical▼ -13 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency33=
Growth78=
Stability94
Bankruptcy probability, 12 months
5.1%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.25 against 0.19 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-46.4%
Return on assets
6.3%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 13009 sector peers (2025).
NBB · sector comparisonPosition among 13009 sector peers
Solvency
better than 15%
← 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 02-07-2026, 29 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
29 d early
2024
13 d late
2023
16 d late
2022
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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-6k▲ 11.9%
2024 · €-7k
2022: €-7k
2023: €-8k
2024: €-7k
2022 → 2025
Total assets
€13k▼ 12.8%
2024 · €14k
2022: €26k
2023: €19k
2024: €14k
2022 → 2025
Net result
€787▼ 50.3%
2024 · €2k
2022: €-22k
2023: €-1k
2024: €2k
2022 → 2025
Working capital
€-14k▲ 5.3%
2024 · €-14k
2022: €-12k
2023: €-14k
2024: €-14k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-7k-€-8k▼ 14.6%€-7k▲ 19.3%€-6k▲ 11.9%
Operating result€-20k-€801€3k▲ 286%€3k▲ 2.5%
Net result€-22k-€-1k▲ 95.3%€2k€787▼ 50.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 2% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €13k
Fixed assets
€8k▼ 28.0%
Current assets
€5k▲ 35.6%
Key figures and ratios
EBITDA
€6k▼
2024 · €7k
Cash flow
€4k▼
2024 · €5k
Solvency
-46.4%▼
2024 · -45.9%
Current ratio
0.25▲
2024 · 0.19
Quick ratio
0.20▲
2024 · 0.14
Debt / equity
-3.16▲
2024 · -3.18
ROE
-13.5%▲
2024 · -24.0%
ROA
6.3%▼
2024 · 11.0%
Interest coverage
2.60▼
2024 · 4.50
Debt
€18k▼
2024 · €21k
Debt ≤ 1 year
€18k▲
2024 · €18k
Staff costs
€14k▲
2024 · €12k
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€14k€13k▼
Fixed assets21/28€11k€8k▼
Tangible fixed assets22/27€6k€3k▼
Plant, machinery and equipment23€3k€919▼
Furniture and vehicles24€948€701▼
Other tangible fixed assets26€2k€1k▼
Financial fixed assets28€5k€5k=
Current assets29/58€3k€5k▲
Stocks and contracts in progress3€912€912=
Stocks30/36€912€912=
Amounts receivable within one year40/41€1k€1k▲
Trade receivables40€1k€1k▲
Cash at bank and in hand54/58€304€2k▲
Deferred charges and accrued income490/1€855€845▼
Equity and liabilities
Total equity and liabilities10/49€14k€13k▼
Equity10/15€-7k€-6k▲
Contributions10/11€15k€15k=
Profit (loss) carried forward14€-22k€-21k▲
Amounts payable17/49€21k€18k▼
Amounts payable after more than one year17€3k-
Financial debts170/4€3k-
Amounts payable within one year42/48€18k€18k▲
Current portion of amounts payable after more than one year42€5k€3k▼
Financial debts43-€2k
Credit institutions430/8-€2k
Trade debts44€4k€5k▲
Suppliers440/4€4k€5k▲
Taxes, remuneration and social security45€8k€9k▲
Taxes450/3€2k€3k▲
Remuneration and social security454/9€5k€6k▲
Other amounts payable47/48€1k€607▼
Income statement
Code20242025
Remuneration, social security and pensions62€12k€14k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€20k€22k▲
Operating profit (loss)9901€3k€3k▲
Financial income75/76B€6€14▲
Recurring financial income75€6€14▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€2k€787▼
Profit (loss) for the period9904€2k€787▼
Profit (loss) for the period to be appropriated9905€2k€787▼
Appropriation of the result
Profit (loss) to be appropriated9906€-22k€-21k▲
Profit (loss) brought forward from the previous period14P€-23k€-22k▲
The notes to these accounts (5 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
13-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 13 days late
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
16-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 16 days late
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Leuven · 1 establishment unit since 2021
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.
Jan Stasstraat 103000 LeuvenGround area
88 m²
Building footprint
71 m²
Volume, LiDAR
688 m³
Parcel 24502B0244/00Y002, Flanders · tallest building 13.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Jan Stasstraat 10, 3000 Leuven
since 20212.317.922.292
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24502B0244/00Y002 | Flanders | 88 m² | 1 · 71 m² | 13.6 m · 4 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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We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 20,234 companies in sector 56111 we hold annual accounts for 11,308.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-05-2021
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56210Event catering
56220Contract catering and other food service activities
56290Food and beverage service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.