SILVERTEC
ActiveSummary
SILVERTEC has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €186k and a net result of €59k. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 83% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 3.62 against 3.92 in 2024; short-term debt: 21.7% and cash: 33.9% of total assets), and 21.7% of the assets are financed with debt.
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Signals
Four 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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
78.3%
Return on assets
24.9%
Age of the figures
12 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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 28-04-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
2 d early
2023
on the day
2022
8 d late
2021
30 d early
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Hiring this company for building work? Recognition, activities and what to check first.Contractor check Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Financials · fiscal year 2025, micro schema
Equity
€186k▲ 19.4%
2024 · €156k
Total assets
€238k▲ 25.0%
2024 · €190k
Net result
€59k▲ 20.7%
2024 · €49k
Working capital
€135k▲ 35.2%
2024 · €100k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€48k▲ 21.3%€2k▼ 95.4%€46k▲ 1,990%€71k▲ 54.5%€85k▲ 20.0%
Net result€31k▲ 32.6%€24▼ 99.9%€9k▲ 36,046%€49k▲ 457%€59k▲ 20.7%
Equity€200k▲ 2.8%€166k▼ 17.0%€175k▲ 5.3%€156k▼ 10.7%€186k▲ 19.4%
Total assets€231k▼ 3.2%€211k▼ 8.7%€202k▼ 4.0%€190k▼ 6.1%€238k▲ 25.0%
Debt€31k▼ 29.3%€45k▲ 43.4%€28k▼ 38.1%€34k▲ 22.8%€51k▲ 50.6%
Working capital€185k▲ 6.2%€154k▼ 16.7%€158k▲ 2.3%€100k▼ 36.8%€135k▲ 35.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 20% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €238k
Fixed assets
€51k ▼ 8.5%
Current assets
€186k ▲ 39.1%
Equity and liabilities €238k
Equity
€186k ▲ 19.4%
Debt
€51k ▲ 50.6%
Debt's share of the balance-sheet total rises from 18.0% to 21.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€92k▲
2024 · €79k
Cash flow
€66k▲
2024 · €58k
Current ratio
3.62▼
2024 · 3.92
Debt to equity
0.28▲
2024 · 0.22
ROE
31.7%▲
2024 · 31.4%
ROA
24.9%▼
2024 · 25.8%
Interest coverage
149.40▲
2024 · 52.29
Debt ≤ 1 year
€51k▲
2024 · €34k
Income taxes
€25k▲
2024 · €20k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8k | €10k | €9k | €9k | €7k | ▼ 19.6% |
| Other operating charges640/8 | - | €21 | €348 | €384 | €597 | ▲ 55.3% |
| Gross operating margin9900 | €56k | €12k | €55k | €80k | €92k | ▲ 15.8% |
| Operating profit (loss)9901 | €48k | €2k | €46k | €71k | €85k | ▲ 20.0% |
| Financial income75/76B | - | €74 | €112 | €9 | €24 | ▲ 156% |
| Recurring financial income75 | €73 | €74 | €112 | €9 | €24 | ▲ 156% |
| Financial charges65/66B | - | €1k | €31k | €2k | €614 | ▼ 59.5% |
| Recurring financial charges65 | €2k | €1k | €694 | €2k | €614 | ▼ 59.5% |
| Non-recurring financial charges66B | - | - | €30k | - | - | - |
| Profit (loss) for the period before taxes9903 | €46k | €980 | €15k | €69k | €84k | ▲ 21.7% |
| Income taxes67/77 | €15k | €956 | €6k | €20k | €25k | ▲ 24.3% |
| Profit (loss) for the period9904 | €31k | €24 | €9k | €49k | €59k | ▲ 20.7% |
| Profit (loss) for the period to be appropriated9905 | €31k | €24 | €9k | €49k | €59k | ▲ 20.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €231k | €211k | €202k | €190k | €238k | ▲ 25.0% |
| Fixed assets21/28 | €15k | €12k | €17k | €56k | €51k | ▼ 8.5% |
| Tangible fixed assets22/27 | €15k | €12k | €17k | €56k | €51k | ▼ 8.5% |
| Plant, machinery and equipment23 | - | €2k | €1k | €2k | €1k | ▼ 43.4% |
| Furniture and vehicles24 | - | €10k | €16k | €54k | €50k | ▼ 7.0% |
| Current assets29/58 | €216k | €199k | €186k | €134k | €186k | ▲ 39.1% |
| Stocks and contracts in progress3 | €32k | - | - | - | - | - |
| Amounts receivable within one year40/41 | €157k | €178k | €136k | €101k | €100k | ▼ 0.5% |
| Trade receivables40 | - | €27k | €19k | €41k | €40k | ▼ 1.2% |
| Other amounts receivable41 | - | €152k | €117k | €60k | €60k | = |
| Cash at bank and in hand54/58 | €25k | €19k | €47k | €28k | €81k | ▲ 184% |
| Deferred charges and accrued income490/1 | - | €2k | €3k | €5k | €5k | ▲ 15.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €231k | €211k | €202k | €190k | €238k | ▲ 25.0% |
| Equity10/15 | €200k | €166k | €175k | €156k | €186k | ▲ 19.4% |
| Contributions10/11 | - | €6k | €6k | €6k | €6k | = |
| Reserves13 | €193k | €160k | €168k | €150k | €180k | ▲ 20.2% |
| Non-distributable reserves130/1 | - | €2k | - | - | - | - |
| Reserves not available under the articles1311 | - | €2k | - | - | - | - |
| Distributable reserves133 | - | €158k | €168k | €150k | €180k | ▲ 20.2% |
| Profit (loss) carried forward14 | - | €24 | - | - | - | - |
| Amounts payable17/49 | €31k | €45k | €28k | €34k | €51k | ▲ 50.6% |
| Amounts payable within one year42/48 | €31k | €45k | €28k | €34k | €51k | ▲ 50.6% |
| Trade debts44 | €2k | €6k | €881 | €4k | €1k | ▼ 65.4% |
| Suppliers440/4 | - | €6k | €881 | €4k | €1k | ▼ 65.4% |
| Taxes, remuneration and social security45 | - | €9k | €10k | €14k | €24k | ▲ 74.0% |
| Taxes450/3 | - | €9k | €10k | €14k | €24k | ▲ 74.0% |
| Other amounts payable47/48 | - | €31k | €17k | €16k | €26k | ▲ 61.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €31k | €24 | €9k | €49k | €59k | ▲ 20.7% |
| + Depreciation and write-downs630 | €8k | €10k | €9k | €9k | €7k | ▼ 19.6% |
| Operating cash flow (approximation) | €38k | €10k | €18k | €58k | €66k | ▲ 14.6% |
| Investment in fixed assets (approximation) | - | €-6k | €-14k | €-48k | €-2k | ▲ 95.4% |
| Change in cash | - | €-6k | €28k | €-18k | €52k | ▲ 382% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €59k ▲20.7%
Operating result €85k, net result €59k, both a record.
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
30-09
Financial
Weakest financial yearnet €24 ▼99.9%
Net result drops to €24, the lowest in the series; recovery starts the following year.
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Equity above €150kEq €171k ▲20.2%
2 profitable years in a row build equity to €171k.
28-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Dendermonde · 1 establishment unit since 2008
Ground area
514 m²
Building footprint
235 m²
Parcel 42002C0151/00W002, Flanders. Linked by address, not a title deed.
1 establishment unit
Silvertec
since 20082.174.619.640
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42002C0151/00W002 | Flanders | 513 m² | 1 · 235 m² | - |
Linked by address, not proof of ownership
Good to know
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
875500EYRWSJ5535X820
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Of 22,832 companies in sector 43211 we hold annual accounts for 10,328. 8,360 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded31-10-2008
Fiscal year end30-09
Activities, NACEBEL 2025
43211General electrical installation work
Scores and ratios are computed by Checked and are not a credit decision.