SIGAMA 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 €264k and a net result of €33. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 26% of 5527 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. 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 30-07-2026, 1 day ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
1 d early
2024
24 d early
2023
16 d late
2022
22 d late
2021
17 d late
2020
30 d late
2019
55 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
Equity
€264k=
2024 · €264k
2019: €226k
2020: €243k
2021: €262k
2022: €273k
2023: €268k
2024: €264k
2019 → 2025
Net result
€33
2024 · €-4k
2019: €24k
2020: €17k
2021: €19k
2022: €12k
2023: €-6k
2024: €-4k
2019 → 2025
Total assets
€1.08M▼ 0.1%
2024 · €1.08M
2019: €1.09M
2020: €1.08M
2021: €1.07M
2022: €1.08M
2023: €1.08M
2024: €1.08M
2019 → 2025
Solvency
24.5%=
2024 · 24.5%
2019: 20.8%
2020: 22.6%
2021: 24.4%
2022: 25.3%
2023: 24.9%
2024: 24.5%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€262k-€273k▲ 4.4%€268k▼ 2.0%€264k▼ 1.4%€264k=
Operating result€25k-€16k▼ 37.8%€5k▼ 65.7%€7k▲ 34.1%€11k▲ 56.7%
Net result€19k-€12k▼ 39.1%€-6k€-4k▲ 30.1%€33
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 57% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.08M
Fixed assets
€1.07M=
Current assets
€2k▼ 22.7%
Equity and liabilities €1.08M
Equity
€264k=
Provisions
€45k=
Debt
€767k▼ 0.1%
The debt ratio stays at 71.3%.
Key figures and ratios
Solvency
24.5%▲
2024 · 24.5%
ROE
0.0%▲
2024 · -1.5%
ROA
0.0%▲
2024 · -0.4%
Debt
€767k▼
2024 · €768k
Debt ≤ 1 year
€767k▼
2024 · €768k
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€1.08M€1.08M▼
Fixed assets21/28€1.07M€1.07M=
Tangible fixed assets22/27€792€786▼
Land and buildings22€792€786▼
Financial fixed assets28€1.07M€1.07M=
Current assets29/58€3k€2k▼
Amounts receivable within one year40/41€65-
Trade receivables40€61-
Other amounts receivable41€4-
Cash at bank and in hand54/58€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.08M€1.08M▼
Equity10/15€264k€264k=
Contributions10/11€19k€19k=
Reserves13€245k€245k=
Distributable reserves133€245k€245k=
Provisions and deferred taxes16€45k€45k=
Provisions for liabilities and charges160/5€45k€45k=
Pensions and similar obligations160€45k€45k=
Amounts payable17/49€768k€767k▼
Amounts payable within one year42/48€768k€767k▼
Trade debts44€361€214▼
Suppliers440/4€361€214▼
Taxes, remuneration and social security45€3k€5k▲
Taxes450/3€3k€4k▲
Remuneration and social security454/9-€1k
Other amounts payable47/48€764k€762k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6€6=
Other operating charges640/8€1k€1k▲
Gross operating margin9900€8k€13k▲
Operating profit (loss)9901€7k€11k▲
Financial charges65/66B€11k€11k▲
Recurring financial charges65€11k€11k▲
Profit (loss) for the period before taxes9903€-4k€33▲
Profit (loss) for the period9904€-4k€33▲
Profit (loss) for the period to be appropriated9905€-4k€33▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€33▲
Transfer from equity791/2€4k-
Transfer to equity691/2-€33
To other reserves6921-€33
The notes to these accounts (6 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €33
Net result €33 after 2 loss-making years.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
16-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 16 days late
2023
31-12
Financial
Weakest financial yearnet €-6k ▼148%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 22 days late
2022
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 17 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 55 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, Deinze · 1 establishment unit since 2018
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.
Leernsesteenweg 1769800 DeinzeGround area
801 m²
Building footprint
269 m²
Parcel 44006A0016/00C000, Flanders. Linked by address, not a title deed.
1 establishment unit
SIMONE HOORNAERT
since 20182.285.398.390
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44006A0016/00C000 | Flanders | 801 m² | 1 · 269 m² | - |
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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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 13,689 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-12-2018
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.