Summary
Siebelec is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €38,529 and a net result of €9,207. Equity is shrinking by ~9.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 1495 sector peers (fiscal year 2025). The company has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
23 d early
2023
20 d early
2022
1 d late
2021
3 d early
2020
14 d late
2019
25 d late
← 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 1 day before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#1 oldest company in Lier, Finance and insurance sector
Equity
€38,529▼ 21.9%
2024 · €49,322
Net result
€9,207▼ 26.7%
2024 · €12,553
Total assets
€41,087▼ 21.6%
2024 · €52,434
Solvency
93.8%▼ 0.3pp
2024 · 94.1%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€68,853▲ 2.0%€51,220▼ 25.6%€31,589▼ 38.3%€47,771▲ 51.2%€42,791▼ 10.4%
Operating result€5,657€6,020▲ 6.4%€4,692▼ 22.1%€15,769▲ 236%€11,942▼ 24.3%
Net result€1,831▼ 52.3%€5,536▲ 202%€4,389▼ 20.7%€12,553▲ 186%€9,207▼ 26.7%
Equity€46,844▼ 28.4%€52,380▲ 11.8%€46,769▼ 10.7%€49,322▲ 5.5%€38,529▼ 21.9%
Total assets€73,094▼ 41.9%€61,007▼ 16.5%€58,884▼ 3.5%€52,434▼ 11.0%€41,087▼ 21.6%
Debt€26,250▼ 56.5%€8,627▼ 67.1%€12,115▲ 40.4%€3,112▼ 74.3%€2,558▼ 17.8%
Working capital€21,451€27,645▲ 28.9%€34,712▲ 25.6%€32,456▼ 6.5%€25,880▼ 20.3%
Solvency64.1%▲ 12.0pp85.9%▲ 21.8pp79.4%▼ 6.4pp94.1%▲ 14.6pp93.8%▼ 0.3pp
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €41,087
Fixed assets
€12,649 ▼ 25.0%
Current assets
€28,438 ▼ 20.0%
Equity and liabilities €41,087
Equity
€38,529 ▼ 21.9%
Debt
€2,558 ▼ 17.8%
Debt's share of the balance-sheet total rises from 5.9% to 6.2%. Equity and debt are lower.
Key figures and ratios
ROE
23.9%▼
2024 · 25.5%
ROA
22.4%▼
2024 · 23.9%
Debt ≤ 1 year
€2,558▼
2024 · €3,112
Income taxes
€2,500▼
2024 · €3,000
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €68,853 | €51,220 | €31,589 | €47,771 | €42,791 | ▼ 10.4% |
| Goods, raw materials, services and sundry goods60/61 | €31,278 | €23,313 | €16,632 | €23,239 | €25,344 | ▲ 9.1% |
| Remuneration, social security and pensions62 | €6,464 | - | - | €320 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €21,661 | €13,016 | €5,178 | €7,231 | €4,216 | ▼ 41.7% |
| Other operating charges640/8 | €3,793 | €8,871 | €5,087 | €1,212 | €1,288 | ▲ 6.3% |
| Gross operating margin9900 | €37,575 | €27,907 | €14,957 | €24,532 | €17,446 | ▼ 28.9% |
| Operating profit (loss)9901 | €5,657 | €6,020 | €4,692 | €15,769 | €11,942 | ▼ 24.3% |
| Financial charges65/66B | €826 | €484 | €303 | €216 | €235 | ▲ 8.8% |
| Recurring financial charges65 | €826 | €484 | €303 | €216 | €235 | ▲ 8.8% |
| Profit (loss) for the period before taxes9903 | €4,831 | €5,536 | €4,389 | €15,553 | €11,707 | ▼ 24.7% |
| Income taxes67/77 | €3,000 | - | - | €3,000 | €2,500 | ▼ 16.7% |
| Profit (loss) for the period9904 | €1,831 | €5,536 | €4,389 | €12,553 | €9,207 | ▼ 26.7% |
| Transfer from tax-exempt reserves789 | €14,579 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €16,410 | €5,536 | €4,389 | €12,553 | €9,207 | ▼ 26.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €73,094 | €61,007 | €58,884 | €52,434 | €41,087 | ▼ 21.6% |
| Fixed assets21/28 | €37,751 | €24,735 | €12,057 | €16,866 | €12,649 | ▼ 25.0% |
| Intangible fixed assets21 | €0 | - | - | - | - | - |
| Tangible fixed assets22/27 | €37,751 | €24,735 | €12,057 | €16,866 | €12,649 | ▼ 25.0% |
| Land and buildings22 | €8,886 | €681 | - | - | - | - |
| Furniture and vehicles24 | €28,865 | €24,054 | €12,057 | - | - | - |
| Other tangible fixed assets26 | - | - | - | €16,866 | €12,649 | ▼ 25.0% |
| Current assets29/58 | €35,343 | €36,272 | €46,827 | €35,568 | €28,438 | ▼ 20.0% |
| Amounts receivable after more than one year29 | - | - | - | €14,456 | - | - |
| Trade receivables290 | - | - | - | €594 | - | - |
| Other amounts receivable291 | - | - | - | €13,862 | - | - |
| Amounts receivable within one year40/41 | €5,000 | €6,197 | €12,150 | - | €8,362 | - |
| Trade receivables40 | €5,000 | €6,197 | - | - | - | - |
| Other amounts receivable41 | - | - | €12,150 | - | €8,362 | - |
| Cash at bank and in hand54/58 | €11,801 | €6,531 | €11,087 | €20,549 | €16,600 | ▼ 19.2% |
| Deferred charges and accrued income490/1 | €18,542 | €23,544 | €23,590 | €563 | €3,476 | ▲ 517% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €73,094 | €61,007 | €58,884 | €52,434 | €41,087 | ▼ 21.6% |
| Equity10/15 | €46,844 | €52,380 | €46,769 | €49,322 | €38,529 | ▼ 21.9% |
| Reserves13 | €46,844 | €52,380 | €46,769 | €36,769 | €21,769 | ▼ 40.8% |
| Distributable reserves133 | €46,844 | €52,380 | €46,769 | €36,769 | €21,769 | ▼ 40.8% |
| Profit (loss) carried forward14 | - | - | - | €12,553 | €16,760 | ▲ 33.5% |
| Amounts payable17/49 | €26,250 | €8,627 | €12,115 | €3,112 | €2,558 | ▼ 17.8% |
| Amounts payable after more than one year17 | €12,358 | - | - | - | - | - |
| Financial debts170/4 | €12,358 | - | - | - | - | - |
| Amounts payable within one year42/48 | €13,892 | €8,627 | €12,115 | €3,112 | €2,558 | ▼ 17.8% |
| Current portion of amounts payable after more than one year42 | €6,489 | €4,888 | - | - | - | - |
| Trade debts44 | €1,996 | - | €1,101 | €516 | €1,844 | ▲ 257% |
| Suppliers440/4 | €1,996 | - | €1,101 | €516 | €1,844 | ▲ 257% |
| Advances received on contracts in progress46 | €3,450 | €1,860 | - | - | - | - |
| Taxes, remuneration and social security45 | €1,957 | €1,879 | €4,014 | €2,596 | €714 | ▼ 72.5% |
| Taxes450/3 | €1,957 | €1,879 | €4,014 | €2,596 | €714 | ▼ 72.5% |
| Other amounts payable47/48 | - | - | €7,000 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,831 | €5,536 | €4,389 | €12,553 | €9,207 | ▼ 26.7% |
| + Depreciation and write-downs630 | €21,661 | €13,016 | €5,178 | €7,231 | €4,216 | ▼ 41.7% |
| Operating cash flow (approximation) | €23,492 | €18,552 | €9,567 | €19,784 | €13,423 | ▼ 32.2% |
| Investment in fixed assets (approximation) | - | €0 | €7,500 | -€12,040 | €1 | ▲ 100% |
| Change in cash | - | -€5,270 | €4,556 | €9,462 | -€3,949 | ▼ 142% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €12,553 ▲186%
Operating result €15,769, net result €12,553, both a record.
31-12
Financial
Liquidity triplescurrent ratio 11.43
Current ratio from 3.87 to 11.43; short-term debt falls from €12,115 to €3,112.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 1 day late
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €1,831 ▼52.3%
Net result drops to €1,831, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 2.54
Current ratio from 0.80 to 2.54; short-term debt falls from €36,472 to €13,892.
14-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 14 days late
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 25 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
06-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 6 days late
2017
04-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Lier · 1 establishment unit since 1983
Ground area
293 m²
Building footprint
126 m²
Volume, LiDAR
700 m³
Parcel 12021I0380/00E002, Flanders · tallest building 11.1 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
SIEBELEC BVBA
since 19832.021.609.464
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12021I0380/00E002 | Flanders | 293 m² | 1 · 126 m² | 11.1 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Similar companies · same sector, comparable size
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Of 853 companies in sector 66210 we hold annual accounts for 511. 380 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded25-01-1982
Fiscal year end31-12
Activities, NACEBEL 2025
66210Risk and damage evaluation
Contact
E-mail
siebelecbv@telenet.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0422531505
Also
9925:BE0422531505
Registered
15-05-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.