SIFFRIMMO
ActiveSummary
SIFFRIMMO has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €440,479 and a net result of €156,366. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 95% of 32023 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency100▲+18
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35,000 at 30 days acceptable
Liquidity ample (current ratio 11.68 against 0.15 in 2024; short-term debt: 3.3% and cash: 1.7% of total assets), and 3.3% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
96.7%
Return on assets
34.3%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €440,479
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
30 d late
2024
29 d late
2023
26 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
118 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 42 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% 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. Usually files around 30 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€440,479▲ 55.0%
2024 · €284,113
Total assets
€455,347▼ 9.1%
2024 · €500,969
Net result
€156,366
2024 · -€94,076
Working capital
€158,791
2024 · -€180,251
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€39,375▼ 9.5%-€7,333-€91,367▼ 1,146%-€92,917▼ 1.7%€146,103
Net result€24,812within the sector's middle half▼ 27.4%-€10,056below the sector's middle half-€102,420below the sector's middle half▼ 919%-€94,076below the sector's middle half▲ 8.1%€156,366above the sector's middle half
Equity€490,665above the sector's middle half▲ 5.3%€480,609above the sector's middle half▼ 2.0%€378,189above the sector's middle half▼ 21.3%€284,113above the sector's middle half▼ 24.9%€440,479above the sector's middle half▲ 55.0%
Total assets€631,067above the sector's middle half▲ 5.1%€591,427above the sector's middle half▼ 6.3%€531,177above the sector's middle half▼ 10.2%€500,969above the sector's middle half▼ 5.7%€455,347within the sector's middle half▼ 9.1%
Debt€140,401▲ 4.4%€110,818▼ 21.1%€152,988▲ 38.1%€216,856▲ 41.7%€14,868▼ 93.1%
Working capital-€6,629below the sector's middle half-€14,130below the sector's middle half▼ 113%-€101,408below the sector's middle half▼ 618%-€180,251below the sector's middle half▼ 77.7%€158,791above the sector's middle half
Solvency77.8%above the sector's middle half▲ 0.1pp81.3%above the sector's middle half▲ 3.5pp71.2%within the sector's middle half▼ 10.1pp56.7%within the sector's middle half▼ 14.5pp96.7%above the sector's middle half▲ 40.0pp
Current ratio0.92below the sector's middle half▼ 0.430.81below the sector's middle half▼ 0.100.24below the sector's middle half▼ 0.580.15below the sector's middle half▼ 0.0911.68above the sector's middle half▲ 11.53
Return on assets (ROA)3.9%within the sector's middle half▼ 1.8pp-1.7%below the sector's middle half▼ 5.6pp-19.3%below the sector's middle half▼ 17.6pp-18.8%below the sector's middle half▲ 0.5pp34.3%above the sector's middle half▲ 53.1pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €146,103 after a loss of €92,917 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €455,347
Fixed assets
€281,688 ▼ 40.0%
Current assets
€173,659 ▲ 451%
Equity and liabilities €455,347
Equity
€440,479 ▲ 55.0%
Debt
€14,868 ▼ 93.1%
Debt's share of the balance-sheet total falls from 43.3% to 3.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€166,214▲
2024 · -€62,455
Cash flow
€176,477▲
2024 · -€63,614
Debt to equity
0.03▼
2024 · 0.76
ROE
35.5%▲
2024 · -33.1%
Interest coverage
458.37▲
2024 · -124.91
Debt ≤ 1 year
€14,868▼
2024 · €211,749
Income taxes
€345▼
2024 · €929
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,134 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 20,134 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €17,195 | - | - | - | €280,728 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €35,483 | €30,232 | €30,232 | €30,462 | €20,111 | ▼ 34.0% |
| Other operating charges640/8 | €3,318 | €3,198 | €3,181 | €3,170 | €1,250 | ▼ 60.6% |
| Non-recurring operating charges66A | - | - | - | - | €15,275 | - |
| Gross operating margin9900 | €78,176 | €26,097 | -€57,953 | -€59,285 | €182,739 | ▲ 408% |
| Operating profit (loss)9901 | €39,375 | -€7,333 | -€91,367 | -€92,917 | €146,103 | ▲ 257% |
| Financial income75/76B | €7 | €9 | €0 | €270 | €10,971 | ▲ 3,963% |
| Recurring financial income75 | €7 | €9 | €0 | €270 | €10,971 | ▲ 3,963% |
| Financial charges65/66B | €1,452 | €1,015 | €727 | €500 | €363 | ▼ 27.5% |
| Recurring financial charges65 | €1,452 | €1,015 | €727 | €500 | €363 | ▼ 27.5% |
| Profit (loss) for the period before taxes9903 | €37,929 | -€8,339 | -€92,093 | -€93,147 | €156,711 | ▲ 268% |
| Income taxes67/77 | €13,117 | €1,717 | €10,327 | €929 | €345 | ▼ 62.9% |
| Profit (loss) for the period9904 | €24,812 | -€10,056 | -€102,420 | -€94,076 | €156,366 | ▲ 266% |
| Profit (loss) for the period to be appropriated9905 | €24,812 | -€10,056 | -€102,420 | -€94,076 | €156,366 | ▲ 266% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €631,067 | €591,427 | €531,177 | €500,969 | €455,347 | ▼ 9.1% |
| Formation expenses20 | - | - | €0 | - | - | - |
| Fixed assets21/28 | €558,739 | €530,165 | €499,932 | €469,471 | €281,688 | ▼ 40.0% |
| Intangible fixed assets21 | - | - | €0 | - | - | - |
| Tangible fixed assets22/27 | €558,122 | €529,542 | €499,310 | €468,848 | €281,678 | ▼ 39.9% |
| Land and buildings22 | €472,650 | €462,850 | €453,050 | €443,250 | €276,650 | ▼ 37.6% |
| Plant, machinery and equipment23 | - | - | €0 | - | - | - |
| Furniture and vehicles24 | €85,472 | €66,692 | €46,260 | €25,598 | €5,028 | ▼ 80.4% |
| Leasing and similar rights25 | - | - | €0 | - | - | - |
| Other tangible fixed assets26 | - | - | €0 | - | - | - |
| Assets under construction and advance payments27 | - | - | €0 | - | - | - |
| Financial fixed assets28 | €618 | €623 | €623 | €623 | €10 | ▼ 98.4% |
| Current assets29/58 | €72,327 | €61,262 | €31,245 | €31,498 | €173,659 | ▲ 451% |
| Amounts receivable after more than one year29 | - | - | €0 | - | - | - |
| Trade receivables290 | - | - | €0 | - | - | - |
| Other amounts receivable291 | - | - | €0 | - | - | - |
| Stocks and contracts in progress3 | - | - | €0 | - | - | - |
| Stocks30/36 | - | - | €0 | - | - | - |
| Contracts in progress37 | - | - | €0 | - | - | - |
| Amounts receivable within one year40/41 | €42,936 | €60,381 | €29,732 | €30,367 | €165,090 | ▲ 444% |
| Trade receivables40 | €10,890 | €28,686 | €28,686 | €28,686 | - | - |
| Other amounts receivable41 | €32,046 | €31,695 | €1,046 | €1,681 | €165,090 | ▲ 9,721% |
| Current investments50/53 | - | - | €0 | - | - | - |
| Cash at bank and in hand54/58 | €28,361 | €243 | €875 | €493 | €7,931 | ▲ 1,509% |
| Deferred charges and accrued income490/1 | €1,030 | €638 | €638 | €638 | €638 | ▲ 0.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €631,067 | €591,427 | €531,177 | €500,969 | €455,347 | ▼ 9.1% |
| Equity10/15 | €490,665 | €480,609 | €378,189 | €284,113 | €440,479 | ▲ 55.0% |
| Contributions10/11 | €18,600 | €18,600 | €20,460 | €20,460 | €20,460 | = |
| Revaluation surpluses12 | - | - | €0 | - | - | - |
| Reserves13 | €472,065 | €472,065 | €470,205 | €470,205 | €470,205 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €0 | - | - | - |
| Own shares acquired1312 | - | - | €0 | - | - | - |
| Financial assistance1313 | - | - | €0 | - | - | - |
| Other1319 | - | - | €0 | - | - | - |
| Tax-exempt reserves132 | - | - | €0 | - | - | - |
| Distributable reserves133 | €470,205 | €470,205 | €470,205 | €470,205 | €470,205 | = |
| Profit (loss) carried forward14 | - | -€10,056 | -€112,476 | -€206,552 | -€50,186 | ▲ 75.7% |
| Investment grants15 | - | - | €0 | - | - | - |
| Advance to shareholders on the distribution of net assets19 | - | - | €0 | - | - | - |
| Amounts payable17/49 | €140,401 | €110,818 | €152,988 | €216,856 | €14,868 | ▼ 93.1% |
| Amounts payable after more than one year17 | €61,445 | €35,426 | €20,336 | €5,107 | - | - |
| Financial debts170/4 | €61,445 | €35,426 | €20,336 | €5,107 | - | - |
| Amounts payable within one year42/48 | €78,956 | €75,392 | €132,652 | €211,749 | €14,868 | ▼ 93.0% |
| Current portion of amounts payable after more than one year42 | €58,816 | €26,019 | €15,090 | €15,228 | €5,107 | ▼ 66.5% |
| Trade debts44 | €1,489 | €41,719 | €38,670 | €38,057 | €6,727 | ▼ 82.3% |
| Suppliers440/4 | €1,489 | €41,719 | €38,670 | €38,057 | €6,727 | ▼ 82.3% |
| Taxes, remuneration and social security45 | €18,566 | €7,568 | €1,717 | €900 | €3,034 | ▲ 237% |
| Taxes450/3 | €18,566 | €7,568 | €1,717 | €900 | €3,034 | ▲ 237% |
| Other amounts payable47/48 | €85 | €85 | €77,175 | €157,564 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €24,812 | -€10,056 | -€102,420 | -€94,076 | €156,366 | ▲ 266% |
| + Depreciation and write-downs630 | €35,483 | €30,232 | €30,232 | €30,462 | €20,111 | ▼ 34.0% |
| Operating cash flow (approximation) | €60,296 | €20,176 | -€72,188 | -€63,614 | €176,477 | ▲ 377% |
| Investment in fixed assets (approximation) | - | -€1,658 | €0 | -€1 | €167,672 | ▲ 28,909,109% |
| Change in cash | - | -€28,119 | €632 | -€382 | €7,438 | ▲ 2,049% |
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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Back to profitnet €156,366
Net result €156,366 after 3 loss-making years.
31-12
Financial
Liquidity times 79current ratio 11.68
Current ratio from 0.15 to 11.68; short-term debt falls from €211,749 to €14,868.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Weakest financial yearnet -€102,420
Net result drops to -€102,420, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
26-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 118 days late
2019
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Lievegem · 1 establishment unit since 2003
Ground area
1,062 m²
Building footprint
228 m²
Volume, LiDAR
1,885 m³
Parcel 44080D0435/00G000, Flanders · tallest building 13.0 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
SIFFRIMMO BVBA
since 20032.133.132.443
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44080D0435/00G000 | Flanders | 1,062 m² | 1 · 228 m² | 13.0 m · 3 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.
Similar companies · same sector, comparable size
COMPASS CONSULTING
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BE 0414.392.512
Koksijde · Eq €440,408
PRONOTAX
BE 0454.710.957
Dilbeek · Eq €440,335
Kathleen Schurmans
BE 0599.802.864
Tervuren · Eq €440,327
Dr Dirk Stockman
BE 0784.284.689
Kontich · Eq €440,316
Of 82,641 companies in sector 70200 we hold annual accounts for 52,636. 35,678 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
Founded14-07-2003
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
69109Other legal services
Contact
E-mail
marc.dekezel@telenet.beLievegem
Phone
09/370 50 40Lievegem
Fax
09/370 50 41Lievegem
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
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If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.