SILO CONSULT
ActiveSummary
SILO CONSULT has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €62k and a net result of €-2k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 83% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability38▼-45
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 4.42 against 4.06 in 2024; short-term debt: 22.1% and cash: 19.3% of total assets), and 22.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
77.9%
Return on assets
-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 29-08-2026, 29 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
29 d late
2024
31 d late
2023
42 d early
2022
2 d late
2021
15 d late
2020
43 d late
2019
81 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€62k▼ 7.4%
2024 · €66k
2018: €59k
2019: €63k
2020: €55k
2021: €56k
2022: €60k
2023: €61k
2024: €66k
2018 → 2025
Total assets
€79k▼ 9.1%
2024 · €87k
2018: €93k
2019: €96k
2020: €95k
2021: €86k
2022: €82k
2023: €75k
2024: €87k
2018 → 2025
Net result
€-2k
2024 · €10k
2018: €4k
2019: €4k
2020: €-8k
2021: €2k
2022: €5k
2023: €1k
2024: €10k
2018 → 2025
Working capital
€60k▼ 4.4%
2024 · €62k
2018: €59k
2019: €63k
2020: €57k
2021: €53k
2022: €53k
2023: €58k
2024: €62k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€56k-€60k▲ 7.7%€61k▲ 2.0%€66k▲ 8.8%€62k▼ 7.4%
Operating result€3k-€7k▲ 139%€3k▼ 47.6%€12k▲ 234%€-2k
Net result€2k-€5k▲ 194%€1k▼ 77.1%€10k▲ 772%€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €2k after €12k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €79k
Fixed assets
€2k ▼ 52.9%
Current assets
€77k ▼ 6.9%
Equity and liabilities €79k
Equity
€62k ▼ 7.4%
Debt
€17k ▼ 14.6%
Debt's share of the balance-sheet total falls from 23.5% to 22.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€541▼
2024 · €13k
Cash flow
€-229▼
2024 · €12k
Current ratio
4.42▲
2024 · 4.06
Debt to equity
0.28▼
2024 · 0.31
ROE
-3.9%▼
2024 · 15.4%
ROA
-3.0%▼
2024 · 11.8%
Interest coverage
2.75▼
2024 · 139.46
Debt ≤ 1 year
€17k▼
2024 · €20k
Income taxes
€623▼
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€87k€79k▼
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€1k€292▼
Financial fixed assets28€57€57=
Current assets29/58€83k€77k▼
Amounts receivable within one year40/41€73k€62k▼
Trade receivables40€13k€2k▼
Other amounts receivable41€60k€60k▼
Cash at bank and in hand54/58€10k€15k▲
Equity and liabilities
Total equity and liabilities10/49€87k€79k▼
Equity10/15€66k€62k▼
Contributions10/11€12k€12k=
Reserves13€16k€16k=
Distributable reserves133€16k€16k=
Profit (loss) carried forward14€38k€33k▼
Amounts payable17/49€20k€17k▼
Amounts payable within one year42/48€20k€17k▼
Trade debts44€7k€7k▼
Suppliers440/4€7k€7k▼
Taxes, remuneration and social security45€9k€8k▼
Taxes450/3€7k€6k▼
Remuneration and social security454/9€1k€2k▲
Other amounts payable47/48€5k€2k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€647€1k▲
Gross operating margin9900€14k€2k▼
Operating profit (loss)9901€12k€-2k▼
Financial income75/76B€4k€50▼
Recurring financial income75€4k€50▼
Financial charges65/66B€96€196▲
Recurring financial charges65€96€196▲
Profit (loss) for the period before taxes9903€15k€-2k▼
Income taxes67/77€5k€623▼
Profit (loss) for the period9904€10k€-2k▼
Profit (loss) for the period to be appropriated9905€10k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€48k€35k▼
Profit (loss) brought forward from the previous period14P€38k€38k=
Transfer from equity791/2€4k-
Transfer to equity691/2€9k-
To other reserves6921€9k-
Profit to be distributed694/7€5k€2k▼
Return on contributions (dividend)694€5k€2k▼
The notes to these accounts (5 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Highest result since 2018net €10k ▲772%
Operating result €12k, net result €10k, both a record.
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
02-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
15-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 15 days late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
12-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 43 days late
2020
31-12
Financial
Weakest financial yearnet €-8k ▼322%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
20-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 81 days late
2019
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Jurbise · 1 establishment unit since 2004
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 Baudour(H) 97050 JurbiseGround area
686 m²
Building footprint
256 m²
Volume, LiDAR
1,370 m³
2 parcels, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ENTREPRISE SILO
since 20042.144.309.120
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53040C0279/00X000 | Wallonia | 525 m² | 1 · 209 m² | 8.3 m · 2 fl. |
| 55036B0028/00L007 | Wallonia | 161 m² | 1 · 47 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
MC
BE 0755.532.109
Oud-Turnhout · Eq €61,552
MARNIK SNOECK
BE 0874.249.815
Hamme (Vl.) · Eq €61,596
IRMAOS SILVA
BE 0750.740.210
Sint-Gillis (bij-Brussel) · Eq €61,617
ETS INTERART
BE 0562.929.206
Watermaal-Bosvoorde · Eq €61,618
RICOUR Christophe
BE 0599.846.416
Ath · Eq €61,501
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 6,186 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-12-2004
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
43230Insulation installation
43240Other construction installation
43331Floor and wall tiling
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0497/048472