SILVERGEST
ActiveThe computed 12-month bankruptcy probability of SILVERGEST is 1.7% (moderate). The 2025 annual accounts show equity of €414k and a net result of €159k. Equity is growing by ~29.9% per year across the filed fiscal years. Its solvency ranks better than 51% of 6965 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
98
/ 100
Excellent▼ -2 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+5
Solvency97▼-3
Growth78=
Stability100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 2.26 against 16.01 in 2024), and 44.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
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
55.9%
Return on assets
21.5%
Age of the figures
8 mo
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 28-07-2026, 3 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
3 d early
2024
17 d early
2023
27 d early
2022
3 d early
2021
38 d early
2020
179 d late
2019
25 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€414k▼ 43.0%
2024 · €726k
2019: €93k
2020: €201k
2021: €301k
2022: €476k
2023: €589k
2024: €726k
2019 → 2025
Total assets
€740k▼ 8.3%
2024 · €808k
2019: €149k
2020: €281k
2021: €386k
2022: €570k
2023: €672k
2024: €808k
2019 → 2025
Net result
€159k▲ 15.6%
2024 · €137k
2019: €81k
2020: €107k
2021: €100k
2022: €173k
2023: €113k
2024: €137k
2019 → 2025
Working capital
€242k▼ 48.9%
2024 · €474k
2019: €93k
2020: €179k
2021: €158k
2022: €328k
2023: €332k
2024: €474k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€301k-€476k▲ 58.3%€589k▲ 23.7%€726k▲ 23.4%€414k▼ 43.0%
Operating result€141k-€287k▲ 104%€216k▼ 25.0%€234k▲ 8.4%€265k▲ 13.3%
Net result€100k-€173k▲ 73.5%€113k▼ 34.8%€137k▲ 21.8%€159k▲ 15.6%
Turnover and EBIT margin not published: the 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 13% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €740k
Fixed assets
€307k▲ 1.6%
Current assets
€433k▼ 14.2%
Equity and liabilities €740k
Equity
€414k▼ 43.0%
Debt
€326k▲ 300%
The debt ratio rises from 10.1% to 44.1%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€271k▲
2024 · €238k
Cash flow
€165k▲
2024 · €142k
Solvency
55.9%▼
2024 · 89.9%
Current ratio
2.26▼
2024 · 16.01
Quick ratio
2.26▼
2024 · 16.01
Debt / equity
0.79▲
2024 · 0.11
ROE
38.4%▲
2024 · 18.9%
ROA
21.5%▲
2024 · 17.0%
Interest coverage
4.76▲
2024 · 3.91
Debt
€326k▲
2024 · €82k
Debt ≤ 1 year
€191k▲
2024 · €32k
Debt > 1 year
€135k▲
2024 · €50k
Income taxes
€49k▲
2024 · €42k
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€808k€740k▼
Fixed assets21/28€302k€307k▲
Tangible fixed assets22/27€98k€103k▲
Land and buildings22€98k€94k▼
Furniture and vehicles24-€9k
Financial fixed assets28€204k€204k=
Current assets29/58€505k€433k▼
Amounts receivable within one year40/41€78k€8k▼
Trade receivables40€32k€63▼
Other amounts receivable41€45k€8k▼
Cash at bank and in hand54/58€425k€398k▼
Deferred charges and accrued income490/1€3k€27k▲
Equity and liabilities
Total equity and liabilities10/49€808k€740k▼
Equity10/15€726k€414k▼
Contributions10/11€19k€19k=
Reserves13€385k€385k=
Distributable reserves133€385k€385k=
Profit (loss) carried forward14€322k€10k▼
Amounts payable17/49€82k€326k▲
Amounts payable after more than one year17€50k€135k▲
Financial debts170/4€50k€135k▲
Amounts payable within one year42/48€32k€191k▲
Trade debts44€79€2k▲
Suppliers440/4€79€2k▲
Taxes, remuneration and social security45€23k€60k▲
Taxes450/3€23k€57k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€8k€129k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€6k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€239k€272k▲
Operating profit (loss)9901€234k€265k▲
Financial income75/76B€7k-
Recurring financial income75€7k-
Financial charges65/66B€61k€57k▼
Recurring financial charges65€61k€57k▼
Profit (loss) for the period before taxes9903€180k€208k▲
Income taxes67/77€42k€49k▲
Profit (loss) for the period9904€137k€159k▲
Profit (loss) for the period to be appropriated9905€137k€159k▲
Appropriation of the result
Profit (loss) to be appropriated9906€322k€481k▲
Profit (loss) brought forward from the previous period14P€185k€322k▲
Profit to be distributed694/7-€471k
Return on contributions (dividend)694-€471k
The notes to these accounts (7 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 10.85
Current ratio from 4.49 to 10.85; short-term debt falls from €94k to €34k.
31-12
Financial
Equity above €500kEq €589k ▲23.7%
5 profitable years in a row build equity to €589k.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2019net €173k ▲73.5%
Operating result €287k, net result €173k, both a record.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
26-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 179 days late
2020
31-12
Financial
Equity above €200kEq €201k ▲115%
2 profitable years in a row build equity to €201k.
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
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, Sint-Jans-Molenbeek · 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.
Edmond Machtenslaan 1251080 Sint-Jans-MolenbeekGround area
2,041 m²
Building footprint
621 m²
Volume, LiDAR
15,358 m³
Parcel 21524C0240/00D003, Brussels · tallest building 27.2 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
SILVERGEST
since 20192.285.646.929
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21524C0240/00D003 | Brussels | 2,041 m² | 1 · 621 m² | 27.2 m · 8 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900OA4379UTSLX077
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Of 13,391 companies in sector 73300 we hold annual accounts for 6,881. 4,417 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-01-2019
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:bruce@silvergest.be