SIG MATERIAUX
ActiveSIG MATERIAUX has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €210k and a net result of €2k. Equity is growing by ~16.8% per year across the filed fiscal years. Its solvency ranks better than 30% of 8002 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37▼-37
Solvency50▼-2
Growth52=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity tight (current ratio 1.3 against 1.33 in 2024; short-term debt: 74.4% and cash: 16.7% of total assets), and 75.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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 →
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
24.7%
Return on assets
0.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-09-2026, 45 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 · 6 filingsDeviation from the deadline
2025
45 d late
2024
59 d late
2023
38 d late
2022
18 d late
2021
31 d late
2020
27 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€529k
EBIT margin
8.6%
Net result
€2k▼ 92.7%
2024 · €29k
2020: €42k
2021: €47k
2022: €50k
2023: €10k
2024: €29k
2020 → 2025
Working capital
€188k▲ 3.4%
2024 · €182k
2020: €56k
2021: €74k
2022: €138k
2023: €141k
2024: €182k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€118k-€168k▲ 42.2%€179k▲ 6.2%€208k▲ 16.3%€210k▲ 1.0%
Operating result€71k-€68k▼ 4.8%€18k▼ 73.1%€51k▲ 181%€11k▼ 79.4%
Net result€47k-€50k▲ 7.2%€10k▼ 79.2%€29k▲ 180%€2k▼ 92.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 79% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €849k
Fixed assets
€29k▼ 12.2%
Current assets
€820k▲ 12.5%
Equity and liabilities €849k
Equity
€210k▲ 1.0%
Debt
€640k▲ 15.3%
The debt ratio rises from 72.8% to 75.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€19k▼
2024 · €63k
Cash flow
€10k▼
2024 · €41k
Solvency
24.7%▼
2024 · 27.2%
Current ratio
1.30▼
2024 · 1.33
Quick ratio
0.78▼
2024 · 0.79
Debt / equity
3.05▲
2024 · 2.67
ROE
1.0%▼
2024 · 14.0%
ROA
0.3%▼
2024 · 3.8%
Interest coverage
2.21▼
2024 · 6.02
Debt
€640k▲
2024 · €555k
Debt ≤ 1 year
€632k▲
2024 · €547k
Debt > 1 year
€8k=
2024 · €8k
Income taxes
€123▼
2024 · €13k
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€762k€849k▲
Fixed assets21/28€33k€29k▼
Tangible fixed assets22/27€25k€21k▼
Plant, machinery and equipment23€5k€6k▲
Furniture and vehicles24€2k€764▼
Other tangible fixed assets26€18k€14k▼
Financial fixed assets28€8k€8k=
Current assets29/58€729k€820k▲
Stocks and contracts in progress3€297k€328k▲
Stocks30/36€297k€328k▲
Amounts receivable within one year40/41€307k€351k▲
Trade receivables40€298k€342k▲
Other amounts receivable41€9k€9k=
Cash at bank and in hand54/58€125k€142k▲
Deferred charges and accrued income490/1€62€62=
Equity and liabilities
Total equity and liabilities10/49€762k€849k▲
Equity10/15€208k€210k▲
Contributions10/11€30k€30k=
Profit (loss) carried forward14€178k€180k▲
Amounts payable17/49€555k€640k▲
Amounts payable after more than one year17€8k€8k=
Financial debts170/4€8k€8k=
Amounts payable within one year42/48€547k€632k▲
Current portion of amounts payable after more than one year42€131-
Financial debts43€121k€75k▼
Credit institutions430/8€121k€75k▼
Trade debts44€275k€374k▲
Suppliers440/4€275k€374k▲
Advances received on contracts in progress46-€23k
Taxes, remuneration and social security45€59k€58k▼
Taxes450/3€59k€58k▼
Other amounts payable47/48€92k€102k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€8k▼
Other operating charges640/8€1k€842▼
Gross operating margin9900€64k€19k▼
Operating profit (loss)9901€51k€11k▼
Financial income75/76B€1k€109▼
Recurring financial income75€1k€109▼
Financial charges65/66B€10k€8k▼
Recurring financial charges65€10k€8k▼
Profit (loss) for the period before taxes9903€42k€2k▼
Income taxes67/77€13k€123▼
Profit (loss) for the period9904€29k€2k▼
Profit (loss) for the period to be appropriated9905€29k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€178k€180k▲
Profit (loss) brought forward from the previous period14P€149k€178k▲
The notes to these accounts (8 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
14-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 45 days late
2025
31-12
Financial
Weakest financial yearnet €2k ▼92.7%
Net result drops to €2k, the lowest in the series.
28-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 59 days late
2024
31-12
Financial
Equity above €200kEq €208k ▲16.3%
5 profitable years in a row build equity to €208k.
07-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 38 days late
2023
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
31-12
Financial
Highest result since 2020net €50k ▲7.2%
Net result €50k, the highest in the series.
31-12
Financial
Equity above €150kEq €168k ▲42.2%
3 profitable years in a row build equity to €168k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €100kEq €118k ▲64.8%
2 profitable years in a row build equity to €118k.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Charleroi · 1 establishment unit since 2019
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.
Avenue de Philippeville 1616001 CharleroiGround area
1.2 ha
Building footprint
3,068 m²
Volume, LiDAR
17,455 m³
Parcel 52045A0547/00C002, Wallonia · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SIGMAT
since 20192.291.876.507
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52045A0547/00C002indicative | Wallonia | 1.2 ha | 1 · 3,068 m² | 10.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 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
Torexport
BE 0406.091.389
Pecq · Eq €211k
JE-HOUSE
BE 0767.395.803
Bree · Eq €209k
RAIL SERVICES & PRODUCTS
BE 0823.774.973
Antwerpen · Eq €211k
DEMATT
BE 0424.214.949
Brussel · Eq €212k
VANESCO
BE 0465.774.994
Antwerpen · Eq €213k
Of 1,803 companies in sector 46831 we hold annual accounts for 1,397. 953 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-07-2019
Fiscal year end31-12
Abbreviation FR
SIGMAT
Trade name FR
SIGMAT
Activities, NACEBEL
46831Wholesale of construction materials, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:sigmateriaux@gmail.com