Financials
- Fiscal year
- 2025
- Total assets
- €1.3m
- Loss
- -€86,233
- Solvency
- 15.9%
Total assets▼ 4.1%
Net result
20192025
Sicoma
ActiveSummary
Sicoma has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €212,782 and a net result of -€86,233. Equity is shrinking by ~16.7% per year across the filed fiscal years. Its solvency ranks better than 38% of 16707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Overview
Activity
Real estate agency activities
NACE 68310Renting and operating of own or leased residential real estate, excluding social housing NACE 68201NACE 68311
1 site
Size
€1.3mtotal assets 2025
- Equity
- €212,782
- Loss
- -€86,233
Turnover not published (abridged schema)
Structure
Accounts 15 d early0 of 6 deeds read
Why 66- Liquidity: current ratio 0.06, cash €90, halved- Figures for FY 2025 (filed 16-10-2025)- Equity €212,782 (15.9% of total assets)+ Size: total assets €1.3mShow the evidence
Checked score
Score 2025
66
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 21% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
41-5
equity 15.9% of total assets
Liquidity
21-2
short-term debt 57.1% · cash 0.0%
Profitability
11-17
return on assets -6.4%
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.4%lowest value
12-2024: 0.4%● 0.0% vs 11-2024lowest value
01-2025: 0.4%● 0.0% vs 12-2024lowest value
02-2025: 0.4%● 0.0% vs 01-2025lowest value
03-2025: 0.4%● 0.0% vs 02-2025lowest value
04-2025: 0.4%● 0.0% vs 03-2025lowest value
05-2025: 0.4%● 0.0% vs 04-2025lowest value
06-2025: 0.4%● 0.0% vs 05-2025lowest value
07-2025: 0.4%▲ +6.2% vs 06-2025
08-2025: 0.4%▲ +0.2% vs 07-2025
09-2025: 0.4%▲ +1.9% vs 08-2025
10-2025: 0.6%▲ +28.0% vs 09-2025
11-2025: 0.6%▲ +1.6% vs 10-2025
12-2025: 0.6%● 0.0% vs 11-2025
01-2026: 0.6%● 0.0% vs 12-2025
02-2026: 0.6%● 0.0% vs 01-2026
03-2026: 0.6%● 0.0% vs 02-2026
04-2026: 0.6%● 0.0% vs 03-2026
05-2026: 0.6%▲ +1.9% vs 04-2026
06-2026: 0.6%● 0.0% vs 05-2026
07-2026: 0.6%● 0.0% vs 06-2026
08-2026: 0.6%▲ +0.2% vs 07-2026
09-2026: 0.6%▲ +1.9% vs 08-2026
10-2026: 0.8%▲ +36.7% vs 09-2026highest value
- Liquidity: current ratio 0.06, cash €90, halved raises the probability
- Size: total assets €1.3m lowers the probability for this profile
- Figures for FY 2025 (filed 16-10-2025) raises the probability
- Equity €212,782 (15.9% of total assets) raises the probability
Credit up to €14,000 at 30 days acceptable
Liquidity short (current ratio 0.06 against 0.06 in 2024; short-term debt: 57.1% and cash: 0% of total assets), and 84.1% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, micro). Better than this share of them on solvency 36%, liquidity 16%, profitability 13%, growth against the median 17%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€86,233
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 16-10-2025, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
3 d early
2023
5 d early
2022
3 d early
2021
2 d early
2020
30 d early
2019
2 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 9 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 28 October (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close04-10-2026 today31-10-2026 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Annual accounts filedfiscal year 2023 · micro…
Key points
- Risk: 7 loss-making years in a rowloss fiscal year 2025 -€86,233 View
- Caution: Among the weakest 5% on net resultsector median €5,961 · 16,701 companies -€86,233 View
- Positive: Always filed on timeaccounts within the deadline every year 8 years View
- Caution: Equity fell in 2025from €299,014 to €212,782 ▼ 28.8% View
- Active since 1968founded 01-01-1968 58 years View
By topic
Timeline
- Events
- 11
- Since
- 2016
- Next accounts
- by 31-10-2026
- 16-10-2025Annual accounts filed
- 28-10-2024Annual accounts filed
- 26-10-2023Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Public limited company
- Activity
- Real estate agency activitiesNACE 68310
- Founded
- 01-01-1968
- Year ends
- 31-03
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.