SIMAGUI
ActiveSIMAGUI has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €54k and a net result of €21k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 24% of 13936 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40▼-6
Solvency28▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity short (current ratio 0.29 against 0.37 in 2024; short-term debt: 25.1% and cash: 0.5% of total assets), and 97.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 · 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
2.6%
Return on assets
1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 13936 sector peers (2025).
NBB · sector comparisonPosition among 13936 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filingsDeviation from the deadline
2025
28 d late
2024
21 d early
2023
7 d early
2022
13 d early
2021
44 d early
2020
43 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€227k
EBIT margin
-11.5%
Net result
€21k
2024 · €-99k
2020: €21k
2021: €28k
2022: €94k
2023: €-14k
2024: €-99k
2020 → 2025
Working capital
€-362k▼ 15.6%
2024 · €-313k
2020: €-180k
2021: €-104k
2022: €-87k
2023: €-102k
2024: €-313k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€227k
Equity€52k-€146k▲ 180%€132k▼ 9.5%€33k▼ 75.1%€54k▲ 63.4%
Operating result€53k-€133k▲ 150%€10k▼ 92.7%€-26k€82k
Net result€28k-€94k▲ 237%€-14k€-99k▼ 611%€21k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €82k after a loss of €26k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.04M
Fixed assets
€1.89M▲ 1.3%
Current assets
€150k▼ 17.0%
Equity and liabilities €2.04M
Equity
€54k▲ 63.4%
Debt
€1.98M▼ 1.3%
The debt ratio falls from 98.4% to 97.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€143k▲
2024 · €54k
Cash flow
€82k▲
2024 · €-19k
Solvency
2.6%▲
2024 · 1.6%
Current ratio
0.29▼
2024 · 0.37
Quick ratio
0.29▼
2024 · 0.37
Debt / equity
36.89▼
2024 · 61.08
ROE
38.8%▲
2024 · -300.9%
ROA
1.0%▲
2024 · -4.8%
Interest coverage
2.36▲
2024 · 0.75
Debt
€1.98M▼
2024 · €2.01M
Debt ≤ 1 year
€512k▲
2024 · €493k
Debt > 1 year
€1.46M▼
2024 · €1.51M
Income taxes
€500▼
2024 · €516
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€2.04M€2.04M▼
Fixed assets21/28€1.86M€1.89M▲
Tangible fixed assets22/27€1.86M€1.89M▲
Land and buildings22€1.47M€1.43M▼
Plant, machinery and equipment23€381k€445k▲
Furniture and vehicles24€7k€8k▲
Other tangible fixed assets26€1k€1k▼
Current assets29/58€180k€150k▼
Amounts receivable within one year40/41€168k€126k▼
Trade receivables40€13k€4k▼
Other amounts receivable41€155k€122k▼
Cash at bank and in hand54/58€7k€10k▲
Deferred charges and accrued income490/1€5k€14k▲
Equity and liabilities
Total equity and liabilities10/49€2.04M€2.04M▼
Equity10/15€33k€54k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€30k€51k▲
Amounts payable17/49€2.01M€1.98M▼
Amounts payable after more than one year17€1.51M€1.46M▼
Financial debts170/4€1.51M€1.46M▼
Amounts payable within one year42/48€493k€512k▲
Current portion of amounts payable after more than one year42€26k€58k▲
Trade debts44€19k€6k▼
Suppliers440/4€19k€6k▼
Taxes, remuneration and social security45€7k€1k▼
Taxes450/3€7k€1k▼
Other amounts payable47/48€442k€446k▲
Accrued charges and deferred income492/3€4k€17k▲
Income statement
Code20242025
Turnover70€227k-
Goods, raw materials, services and sundry goods60/61€167k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€80k€61k▼
Other operating charges640/8€11k€11k▼
Non-recurring operating charges66A€609€544▼
Gross operating margin9900€66k€155k▲
Operating profit (loss)9901€-26k€82k▲
Financial charges65/66B€72k€61k▼
Recurring financial charges65€72k€61k▼
Profit (loss) for the period before taxes9903€-99k€21k▲
Income taxes67/77€516€500▼
Profit (loss) for the period9904€-99k€21k▲
Profit (loss) for the period to be appropriated9905€-99k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€30k€51k▲
Profit (loss) brought forward from the previous period14P€129k€30k▼
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Back to profitnet €21k
Net result €21k after 2 loss-making years.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-99k
Net result drops to €-99k, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €94k ▲237%
Operating result €133k, net result €94k, both a record.
31-12
Financial
Equity above €100kEq €146k ▲180%
3 profitable years in a row build equity to €146k.
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Namur · 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.
Rue du Bord du Bois(DV) 295100 NamurGround area
144 m²
Building footprint
113 m²
Volume, LiDAR
1,144 m³
Parcel 92032B0083/00L000, Wallonia · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SIMAGUI
since 20192.288.946.315
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92032B0083/00L000 | Wallonia | 144 m² | 1 · 113 m² | 12.0 m · 3 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 5,380. 3,323 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-05-2019
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.
Contact details
2 entriesE-mail:jph.timmermans@gmail.com
Phone:+32495374274