Sico
ActiveSico has been active since 1973 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €79k and a net result of €44k. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 69% of 11210 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency91▲+2
Growth62▼-1
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.92 against 3.0 in 2024; short-term debt: 34% and cash: 86.5% of total assets), and 34% 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+raises risk○neutral
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
66%
Return on assets
36.6%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 16-06-2026, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
45 d early
2024
34 d early
2023
56 d early
2022
38 d early
2021
40 d early
2020
5 d early
2019
31 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
Turnover
€108k▼ 7.2%
2024 · €117k
2018: €116k
2019: €120k
2020: €95k
2021: €99k
2022: €98k
2023: €127k
2024: €117k
2018 → 2025
EBIT margin
51.2%▲ 23.4pp
2024 · 27.8%
2018: 3.0%
2019: 1.7%
2020: 0.5%
2021: 1.2%
2022: 42.0%
2023: 37.5%
2024: 27.8%
2018 → 2025
Net result
€44k▼ 2.0%
2024 · €44k
2018: €479
2019: €469
2020: €-99
2021: €66
2022: €39k
2023: €37k
2024: €44k
2018 → 2025
Working capital
€78k▲ 0.5%
2024 · €77k
2019: €68k
2020: €69k
2021: €65k
2022: €96k
2023: €76k
2024: €77k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€99k-€98k▼ 0.8%€127k▲ 28.9%€117k▼ 7.8%€108k▼ 7.2%
Equity€69k-€79k▲ 13.7%€79k=€79k=€79k=
Operating result€1k-€41k▲ 3,268%€47k▲ 15.0%€33k▼ 31.5%€56k▲ 70.9%
Net result€66-€39k▲ 59,717%€37k▼ 5.0%€44k▲ 18.5%€44k▼ 2.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 71% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €119k
Fixed assets
€998▼ 84.7%
Current assets
€118k▲ 1.9%
Equity and liabilities €119k
Equity
€79k=
Debt
€40k▼ 7.6%
The debt ratio falls from 35.8% to 34.0%. Debt is lower.
Key figures and ratios
EBITDA
€62k▲
2024 · €47k
Cash flow
€50k▼
2024 · €59k
Solvency
66.0%▲
2024 · 64.2%
Current ratio
2.92▼
2024 · 3.00
Quick ratio
2.86▼
2024 · 2.94
Debt / equity
0.51▼
2024 · 0.56
ROE
55.5%▼
2024 · 56.6%
ROA
36.6%▲
2024 · 36.3%
Interest coverage
2577.42▲
2024 · 502.20
Debt
€40k▼
2024 · €44k
Debt ≤ 1 year
€40k▲
2024 · €39k
Income taxes
€12k▲
2024 · €-12k
Staff costs
€1k▼
2024 · €1k
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€122k€119k▼
Fixed assets21/28€7k€998▼
Tangible fixed assets22/27€7k€998▼
Furniture and vehicles24€6k€998▼
Other tangible fixed assets26€43-
Current assets29/58€116k€118k▲
Stocks and contracts in progress3€2k€2k=
Stocks30/36€2k€2k=
Amounts receivable within one year40/41€11k€13k▲
Trade receivables40€11k€13k▲
Cash at bank and in hand54/58€103k€103k▲
Equity and liabilities
Total equity and liabilities10/49€122k€119k▼
Equity10/15€79k€79k=
Contributions10/11€37k€37k=
Outside capital11€37k€37k=
Other1109/19€37k€37k=
Reserves13€41k€41k=
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€38k€38k=
Amounts payable17/49€44k€40k▼
Amounts payable after more than one year17€5k-
Financial debts170/4€5k-
Amounts payable within one year42/48€39k€40k▲
Trade debts44€411€631▲
Suppliers440/4€411€631▲
Taxes, remuneration and social security45€7k€9k▲
Taxes450/3€7k€9k▲
Other amounts payable47/48€31k€30k▼
Income statement
Code20242025
Turnover70€117k€108k▼
Goods, raw materials, services and sundry goods60/61€45k€45k▲
Remuneration, social security and pensions62€1k€1k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€6k▼
Other operating charges640/8€62€62=
Gross operating margin9900€48k€63k▲
Operating profit (loss)9901€33k€56k▲
Financial charges65/66B€94€24▼
Recurring financial charges65€94€24▼
Profit (loss) for the period before taxes9903€32k€56k▲
Income taxes67/77€-12k€12k▲
Profit (loss) for the period9904€44k€44k▼
Profit (loss) for the period to be appropriated9905€44k€44k▼
Appropriation of the result
Profit (loss) to be appropriated9906€44k€44k▼
Profit to be distributed694/7€44k€44k▼
Return on contributions (dividend)694€44k€44k▼
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
16-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €44k ▲18.5%
Net result €44k, the highest in the series.
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity quadruplescurrent ratio 42.15
Current ratio from 10.62 to 42.15; short-term debt falls from €7k to €2k.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €66
Net result €66 after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-99 ▼121%
Net result drops to €-99, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-06
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
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, Bilzen-Hoeselt · 1 establishment unit since 1973
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.
Riemsterweg 9B3740 Bilzen-HoeseltGround area
1,491 m²
Building footprint
319 m²
Volume, LiDAR
2,318 m³
Parcel 73006I0023/00H003, Flanders · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Riemsterweg 9B, 3740 Bilzen-Hoeselt
since 19732.008.151.507
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73006I0023/00H003 | Flanders | 1,491 m² | 1 · 319 m² | 11.6 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.
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Interhal Select Belux
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Baarle-Hertog · Eq €79k
TOP LIVING
BE 0455.304.142
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PATH
BE 0465.548.233
Sint-Niklaas · Eq €77k
Tradix
BE 0400.447.672
Elsene · Eq €77k
Of 679 companies in sector 46494 we hold annual accounts for 530. 345 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-03-1973
Fiscal year end31-12
Activities, NACEBEL
46494Wholesale of non-electrical household articles
51471
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.sicocado.be
E-mail:info@sicocado.be