SIMON
ActiveSummary
The annual accounts of SIMON for fiscal year 2025 show a net loss of 55% of the equity at the start of that year. The 2025 annual accounts show equity of €6k and a net result of €-7k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 22% of 2053 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▼-18
Solvency32▼-7
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.4 against 0.69 in 2024; short-term debt: 58.4% and cash: 14.5% of total assets), and 92.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Sector 85
lower
← 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
7.4%
Return on assets
-9%
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 22% of 2053 sector peers (2025).
NBB · sector comparisonPosition among 2053 sector peers
Solvency
better than 22%
← weakest
strongest →
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
2 d late
2023
28 d late
2022
31 d late
2021
26 d late
2020
31 d early
2019
21 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€6k▼ 54.6%
2024 · €12k
2018: €26k
2019: €27k
2020: €5k
2021: €6k
2022: €8k
2023: €7k
2024: €12k
2018 → 2025
Total assets
€75k▼ 12.8%
2024 · €86k
2018: €62k
2019: €50k
2020: €23k
2021: €17k
2022: €35k
2023: €86k
2024: €86k
2018 → 2025
Net result
€-7k
2024 · €5k
2018: €8k
2019: €942
2020: €-22k
2021: €853
2022: €2k
2023: €-425
2024: €5k
2018 → 2025
Working capital
€-26k▼ 133%
2024 · €-11k
2018: €5k
2019: €9k
2020: €-7k
2021: €-6k
2022: €-1k
2023: €-67k
2024: €-11k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6k-€8k▲ 30.4%€7k▼ 5.6%€12k▲ 72.7%€6k▼ 54.6%
Operating result€1k-€3k▲ 91.0%€2k▼ 5.0%€13k▲ 425%€-4k
Net result€853-€2k▲ 106%€-425€5k€-7k
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 €4k after €13k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €75k
Fixed assets
€58k ▼ 5.4%
Current assets
€17k ▼ 30.8%
Equity and liabilities €75k
Equity
€6k ▼ 54.6%
Debt
€69k ▼ 5.8%
Debt's share of the balance-sheet total rises from 85.7% to 92.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€13k▼
2024 · €28k
Cash flow
€10k▼
2024 · €21k
Current ratio
0.40▼
2024 · 0.69
Debt to equity
12.43▲
2024 · 5.99
ROE
-120.3%▼
2024 · 42.1%
ROA
-9.0%▼
2024 · 6.0%
Interest coverage
7.48▼
2024 · 13.25
Debt ≤ 1 year
€44k▲
2024 · €36k
Debt > 1 year
€26k▼
2024 · €37k
Income taxes
€1k▼
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€86k€75k▼
Fixed assets21/28€61k€58k▼
Tangible fixed assets22/27€61k€58k▼
Land and buildings22€986€882▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€54k€41k▼
Other tangible fixed assets26€2k€14k▲
Current assets29/58€25k€17k▼
Amounts receivable within one year40/41€7k€5k▼
Trade receivables40€5k€4k▼
Other amounts receivable41€2k€540▼
Cash at bank and in hand54/58€17k€11k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€86k€75k▼
Equity10/15€12k€6k▼
Contributions10/11€6k€6k=
Reserves13€20k€20k=
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Distributable reserves133€19k€19k=
Profit (loss) carried forward14€-14k€-20k▼
Amounts payable17/49€73k€69k▼
Amounts payable after more than one year17€37k€26k▼
Financial debts170/4€37k€26k▼
Amounts payable within one year42/48€36k€44k▲
Current portion of amounts payable after more than one year42€11k€12k▲
Trade debts44€420€5k▲
Suppliers440/4€420€5k▲
Taxes, remuneration and social security45€12k€10k▼
Taxes450/3€12k€10k▼
Other amounts payable47/48€13k€17k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€8k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€16k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€29k€14k▼
Operating profit (loss)9901€13k€-4k▼
Financial income75/76B€1€6▲
Recurring financial income75€1€6▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€11k€-5k▼
Income taxes67/77€5k€1k▼
Profit (loss) for the period9904€5k€-7k▼
Profit (loss) for the period to be appropriated9905€5k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€-20k▼
Profit (loss) brought forward from the previous period14P€-19k€-14k▲
The notes to these accounts (6 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 2 days late
2024
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Back to profitnet €853
Net result €853 after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-22k
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2017
28-07
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.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Puurs-Sint-Amands · 1 establishment unit since 2003
Ground area
7,973 m²
Building footprint
167 m²
Volume, LiDAR
1,157 m³
Parcel 12030B0003/00P002, Flanders · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Simon
since 20032.133.983.469
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12030B0003/00P002 | Flanders | 7,973 m² | 1 · 167 m² | 10.9 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 11,670 companies in sector 85599 we hold annual accounts for 1,330. 595 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
Founded21-10-2003
Fiscal year end31-12
Activities, NACEBEL 2025
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.