Silver Lining Estate
ActiveSilver Lining Estate has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.74M and a net result of €31k. Equity is shrinking by ~10.3% per year across the filed fiscal years. Its solvency ranks better than 58% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability39=
Solvency65▼-5
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €150k at 30 days acceptable
Liquidity short (current ratio 0.54 against 0.34 in 2024; short-term debt: 47.1% and cash: 0% of total assets), and 60.3% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
39.7%
Return on assets
0.5%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 10-12-2025, 52 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
52 d early
2024
50 d early
2023
1 d early
2022
6 d early
2021
45 d early
2020
19 d early
2019
8 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2.74M▲ 1.2%
2024 · €2.71M
2019: €4.68M
2020: €4.71M
2021: €3.44M
2022: €2.52M
2023: €2.68M
2024: €2.71M
2019 → 2025
Total assets
€6.91M▲ 15.8%
2024 · €5.97M
2019: €6.45M
2020: €6.63M
2021: €5.18M
2022: €5.15M
2023: €5.16M
2024: €5.97M
2019 → 2025
Net result
€31k▼ 0.9%
2024 · €32k
2019: €-69k
2020: €34k
2021: €35k
2022: €49k
2023: €378k
2024: €32k
2019 → 2025
Working capital
€-1.50M▲ 2.3%
2024 · €-1.54M
2019: €-151k
2020: €-993k
2021: €-1.04M
2022: €-1.24M
2023: €-1.56M
2024: €-1.54M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.44M-€2.52M▼ 26.8%€2.68M▲ 6.5%€2.71M▲ 1.2%€2.74M▲ 1.2%
Operating result€52k-€55k▲ 6.8%€526k▲ 849%€54k▼ 89.7%€55k▲ 0.9%
Net result€35k-€49k▲ 39.7%€378k▲ 666%€32k▼ 91.7%€31k▼ 0.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.91M
Fixed assets
€5.16M=
Current assets
€1.75M▲ 117%
Equity and liabilities €6.91M
Equity
€2.74M▲ 1.2%
Debt
€4.16M▲ 28.0%
The debt ratio rises from 54.5% to 60.3%. Equity and debt are higher.
Key figures and ratios
Solvency
39.7%▼
2024 · 45.5%
Current ratio
0.54▲
2024 · 0.34
Quick ratio
0.54▲
2024 · 0.34
Debt / equity
1.52▲
2024 · 1.20
ROE
1.1%▼
2024 · 1.2%
ROA
0.5%▼
2024 · 0.5%
Debt
€4.16M▲
2024 · €3.25M
Debt ≤ 1 year
€3.26M▲
2024 · €2.35M
Debt > 1 year
€750k=
2024 · €750k
Income taxes
€16k▲
2024 · €16k
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€5.97M€6.91M▲
Fixed assets21/28€5.16M€5.16M=
Financial fixed assets28€5.16M€5.16M=
Current assets29/58€809k€1.75M▲
Amounts receivable within one year40/41€800k€1.75M▲
Other amounts receivable41€800k€1.75M▲
Cash at bank and in hand54/58€8k€1k▼
Deferred charges and accrued income490/1€258-
Equity and liabilities
Total equity and liabilities10/49€5.97M€6.91M▲
Equity10/15€2.71M€2.74M▲
Contributions10/11€2.40M€2.40M=
Reserves13€314k€345k▲
Distributable reserves133€314k€345k▲
Amounts payable17/49€3.25M€4.16M▲
Amounts payable after more than one year17€750k€750k=
Financial debts170/4€750k€750k=
Amounts payable within one year42/48€2.35M€3.26M▲
Trade debts44-€1k
Suppliers440/4-€1k
Taxes, remuneration and social security45€16k€16k▲
Taxes450/3€16k€16k▲
Other amounts payable47/48€2.33M€3.24M▲
Accrued charges and deferred income492/3€152k€157k▲
Income statement
Code20242025
Other operating charges640/8€1k€1k▲
Gross operating margin9900€55k€56k▲
Operating profit (loss)9901€54k€55k▲
Financial charges65/66B€7k€8k▲
Recurring financial charges65€7k€8k▲
Profit (loss) for the period before taxes9903€47k€47k▼
Income taxes67/77€16k€16k▲
Profit (loss) for the period9904€32k€31k▼
Profit (loss) for the period to be appropriated9905€32k€31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€32k€31k▼
Transfer to equity691/2€32k€31k▼
To other reserves6921€32k€31k▼
The notes to these accounts (3 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
2025
10-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
12-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2019net €378k ▲666%
Operating result €526k, net result €378k, both a record.
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
17-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
12-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Back to profitnet €34k
Net result €34k after one loss-making year.
23-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
18-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
23-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Sint-Martens-Latem · 1 establishment unit since 2016
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.
Hoge Heirweg 479830 Sint-Martens-LatemGround area
1,554 m²
Building footprint
206 m²
Volume, LiDAR
817 m³
Parcel 44064B0318/00N003, Flanders · tallest building 13.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Silver Lining Estate
since 20162.254.243.970
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44064B0318/00N003 | Flanders | 1,554 m² | 1 · 206 m² | 13.3 m · 1 fl. |
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 7,321 companies in sector 68110 we hold annual accounts for 5,382. 2,371 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-05-2016
Fiscal year end30-06
Activities, NACEBEL
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.