SIGNALI
ActiveSIGNALI has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.01M and a net result of €26k. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 69% of 10242 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability13▼-56
Solvency98▲+3
Growth52=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity ample (current ratio 3.59 against 2.87 in 2024), and 43.3% 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
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
56.7%
Return on assets
1.5%
Age of the figures
8 mo
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
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 →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
31 d late
2023
29 d late
2022
31 d late
2021
24 d late
2020
80 d early
2019
32 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€26k▼ 80.1%
2024 · €130k
2018: €160k
2019: €70k
2020: €76k
2021: €108k
2022: €415k
2023: €178k
2024: €130k
2018 → 2025
Working capital
€806k▼ 1.6%
2024 · €819k
2018: €477k
2019: €562k
2020: €557k
2021: €522k
2022: €854k
2023: €752k
2024: €819k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€517k-€832k▲ 60.9%€809k▼ 2.7%€939k▲ 16.0%€1.01M▲ 7.2%
Operating result€106k-€511k▲ 384%€242k▼ 52.6%€184k▼ 24.1%€39k▼ 79.0%
Net result€108k-€415k▲ 284%€178k▼ 57.1%€130k▼ 27.1%€26k▼ 80.1%
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 79% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.77M
Fixed assets
€656k▲ 0.8%
Current assets
€1.12M▼ 11.1%
Equity and liabilities €1.77M
Equity
€1.01M▲ 7.2%
Provisions
€71k▼ 4.5%
Debt
€696k▼ 22.2%
The debt ratio falls from 46.9% to 39.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€67k▼
2024 · €210k
Cash flow
€54k▼
2024 · €155k
Solvency
56.7%▲
2024 · 49.2%
Current ratio
3.59▲
2024 · 2.87
Quick ratio
1.90▲
2024 · 1.64
Debt / equity
0.69▼
2024 · 0.95
ROE
2.6%▼
2024 · 13.8%
ROA
1.5%▼
2024 · 6.8%
Interest coverage
9.43▼
2024 · 23.48
Debt
€696k▼
2024 · €895k
Debt ≤ 1 year
€311k▼
2024 · €438k
Debt > 1 year
€385k▼
2024 · €457k
Income taxes
€23k▼
2024 · €52k
Staff costs
€286k▼
2024 · €302k
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€1.91M€1.77M▼
Fixed assets21/28€651k€656k▲
Intangible fixed assets21€849€252▼
Tangible fixed assets22/27€649k€655k▲
Land and buildings22€625k€637k▲
Plant, machinery and equipment23€23k€17k▼
Furniture and vehicles24€2k€1k▼
Financial fixed assets28€649€637▼
Current assets29/58€1.26M€1.12M▼
Stocks and contracts in progress3€541k€525k▼
Stocks30/36€541k€525k▼
Amounts receivable within one year40/41€472k€307k▼
Trade receivables40€468k€286k▼
Other amounts receivable41€5k€21k▲
Cash at bank and in hand54/58€240k€273k▲
Deferred charges and accrued income490/1€5k€12k▲
Equity and liabilities
Total equity and liabilities10/49€1.91M€1.77M▼
Equity10/15€939k€1.01M▲
Contributions10/11€75k€75k=
Reserves13€338k€328k▼
Non-distributable reserves130/1€15k€15k=
Reserves not available under the articles1311€15k€15k=
Tax-exempt reserves132€224k€214k▼
Distributable reserves133€100k€100k=
Profit (loss) carried forward14€526k€562k▲
Investment grants15-€41k
Provisions and deferred taxes16€75k€71k▼
Deferred taxes168€75k€71k▼
Amounts payable17/49€895k€696k▼
Amounts payable after more than one year17€457k€385k▼
Financial debts170/4€457k€385k▼
Amounts payable within one year42/48€438k€311k▼
Current portion of amounts payable after more than one year42€71k€72k▲
Trade debts44€264k€174k▼
Suppliers440/4€264k€174k▼
Taxes, remuneration and social security45€103k€65k▼
Taxes450/3€53k€7k▼
Remuneration and social security454/9€51k€58k▲
Income statement
Code20242025
Remuneration, social security and pensions62€302k€286k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€29k▲
Other operating charges640/8€5k€9k▲
Gross operating margin9900€516k€362k▼
Operating profit (loss)9901€184k€39k▼
Financial income75/76B€3k€14k▲
Recurring financial income75€3k€14k▲
Financial charges65/66B€9k€7k▼
Recurring financial charges65€9k€7k▼
Profit (loss) for the period before taxes9903€178k€45k▼
Transfer from deferred taxes780€3k€3k=
Income taxes67/77€52k€23k▼
Profit (loss) for the period9904€130k€26k▼
Transfer from tax-exempt reserves789€10k€10k=
Profit (loss) for the period to be appropriated9905€140k€36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€526k€562k▲
Profit (loss) brought forward from the previous period14P€386k€526k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Social balance
Average headcount (FTE)90875.55.0▼
The notes to these accounts (22 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €26k ▼80.1%
Net result drops to €26k, the lowest in the series.
31-12
Financial
Equity above €1MEq €1.01M ▲7.2%
8 profitable years in a row build equity to €1.01M.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 31 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 29 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €415k ▲284%
Operating result €511k, net result €415k, both a record.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
12-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
25-03
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2024
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.
03-12-2024
EFFIGIA: Resigned as Director
03-12-2024
Pierre Knaepen: Resigned as Director
11-06-2021
SNACKERS Robin: Resigned as Director
02-04-2019
Danielle WYGERS: Resigned as Managing director
02-04-2019
Patrick NIEUS: Resigned as Managing director
Location & real-estate footprint
Registered office, Visé · 1 establishment unit since 2007
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.
Rue de Maestricht(VIS) 714600 ViséGround area
4,787 m²
Building footprint
634 m²
Parcel 62108B0219/00C000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue de Maestricht(VIS) 71, 4600 Visé
since 20072.159.912.361
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62108B0219/00C000 | Wallonia | 4,787 m² | 1 · 634 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.
Similar companies · same sector, comparable size
BORU FRANCE BENELUX
BE 0475.520.328
Oosterzele · Eq €1,000k
MAPECO VILVOORDE
BE 0843.928.704
Vilvoorde · Eq €998k
FIXATIONS EN TOUT GENRE
BE 0458.940.949
Couvin · Eq €989k
ANTWERP TOOLS SERVICES
BE 0472.385.941
Sint-Lievens-Houtem · Eq €1.02M
DUVIMEX BELGIUM
BE 0447.557.703
Herentals · Eq €987k
Of 499 companies in sector 46841 we hold annual accounts for 362. 287 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-02-2007
Fiscal year end31-12
Activities, NACEBEL
31621
46841Wholesale trade
47521Retail sale of hardware, building materials, paint and glass (general range)
26300Manufacture of computer, electronic and optical products
27900Manufacture of electrical equipment
31622
46630Wholesale trade
47522Retail trade
47525Retail trade
51820
74103Other professional, scientific and technical activities
74120Graphic design and visual communication
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.