SIMPERL
ActiveSummary
SIMPERL has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €32,564 and a net result of -€6,253. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 12% of 28254 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability28▼-14
Solvency32▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity tight (current ratio 1.07 against 0.48 in 2024; short-term debt: 7.3% and cash: 1.2% of total assets), and 93.3% of the assets are financed with debt.
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Signals
Five 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 · 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
6.7%
Return on assets
-1.3%
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 12% of 28254 sector peers (2025).
NBB · sector comparisonPosition among 28254 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
126 d early
2023
2 d early
2022
55 d early
2021
92 d late
2020
296 d late
2019
137 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 53 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
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. Usually files around 30 July (4 of the last 5 filed years within 93 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€32,564▼ 16.1%
2024 · €38,818
Total assets
€488,667▼ 3.8%
2024 · €507,987
Net result
-€6,253
2024 · €7,158
Working capital
€2,659
2024 · -€46,662
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€14,594€32,066€21,594▼ 32.7%€22,521▲ 4.3%€13,351▼ 40.7%
Net result-€30,241below the sector's middle half▼ 541%€15,540within the sector's middle half€882within the sector's middle half▼ 94.3%€7,158within the sector's middle half▲ 711%-€6,253below the sector's middle half
Equity-€2,701below the sector's middle half€11,238below the sector's middle half€12,121below the sector's middle half▲ 7.9%€38,818within the sector's middle half▲ 220%€32,564within the sector's middle half▼ 16.1%
Total assets€568,769above the sector's middle half▼ 11.4%€543,904above the sector's middle half▼ 4.4%€529,988above the sector's middle half▼ 2.6%€507,987above the sector's middle half▼ 4.2%€488,667above the sector's middle half▼ 3.8%
Debt€571,470▼ 7.0%€532,666▼ 6.8%€517,867▼ 2.8%€469,169▼ 9.4%€456,102▼ 2.8%
Working capital€18,297within the sector's middle half▼ 72.5%-€2,645below the sector's middle half-€30,926below the sector's middle half▼ 1,069%-€46,662below the sector's middle half▼ 50.9%€2,659below the sector's middle half
Solvency-0.5%below the sector's middle half▼ 4.8pp2.1%below the sector's middle half▲ 2.5pp2.3%below the sector's middle half▲ 0.2pp7.6%below the sector's middle half▲ 5.4pp6.7%below the sector's middle half▼ 1.0pp
Current ratio1.25within the sector's middle half▼ 0.540.97below the sector's middle half▼ 0.280.70below the sector's middle half▼ 0.270.48below the sector's middle half▼ 0.211.07below the sector's middle half▲ 0.59
Return on assets (ROA)-5.3%below the sector's middle half▼ 4.6pp2.9%within the sector's middle half▲ 8.2pp0.2%below the sector's middle half▼ 2.7pp1.4%within the sector's middle half▲ 1.2pp-1.3%below the sector's middle half▼ 2.7pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 41% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €488,667
Fixed assets
€450,469 ▼ 2.9%
Current assets
€38,197 ▼ 12.9%
Equity and liabilities €488,667
Equity
€32,564 ▼ 16.1%
Debt
€456,102 ▼ 2.8%
Debt's share of the balance-sheet total rises from 92.4% to 93.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€27,022▼
2024 · €36,192
Cash flow
€7,418▼
2024 · €20,829
Quick ratio
0.28▲
2024 · 0.08
Debt to equity
14.01▲
2024 · 12.09
ROE
-19.2%▼
2024 · 18.4%
Interest coverage
1.33▼
2024 · 2.54
Debt ≤ 1 year
€35,538▼
2024 · €90,508
Debt > 1 year
€420,522▲
2024 · €378,661
Income taxes
€141▼
2024 · €3,528
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 913 companies that looked in July 2024 the way this one looks now, 2.0% went bankrupt within 24 months and 95% are still going.
- Small
- 10 to 20 years old
- solvency under 10%
- a small loss
2.0%
went bankrupt
2.1%
stopped otherwise
95%
still going
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 913 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €15,250 | €15,575 | €13,097 | €13,671 | €13,671 | = |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €1,301 | €820 | €0 | ▼ 100% |
| Other operating charges640/8 | €7,382 | €4,097 | €764 | €6,375 | €4,809 | ▼ 24.6% |
| Gross operating margin9900 | €8,038 | €51,738 | €36,756 | €43,388 | €31,831 | ▼ 26.6% |
| Operating profit (loss)9901 | -€14,594 | €32,066 | €21,594 | €22,521 | €13,351 | ▼ 40.7% |
| Financial income75/76B | €517 | €572 | €571 | €2,404 | €838 | ▼ 65.2% |
| Recurring financial income75 | €517 | €572 | €571 | €2,404 | €838 | ▼ 65.2% |
| Financial charges65/66B | €15,355 | €15,111 | €20,497 | €14,239 | €20,301 | ▲ 42.6% |
| Recurring financial charges65 | €15,355 | €15,111 | €20,497 | €14,239 | €20,301 | ▲ 42.6% |
| Profit (loss) for the period before taxes9903 | -€29,432 | €17,527 | €1,668 | €10,686 | -€6,112 | ▼ 157% |
| Income taxes67/77 | €809 | €1,988 | €786 | €3,528 | €141 | ▼ 96.0% |
| Profit (loss) for the period9904 | -€30,241 | €15,540 | €882 | €7,158 | -€6,253 | ▼ 187% |
| Profit (loss) for the period to be appropriated9905 | -€30,241 | €15,540 | €882 | €7,158 | -€6,253 | ▼ 187% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €568,769 | €543,904 | €529,988 | €507,987 | €488,667 | ▼ 3.8% |
| Fixed assets21/28 | €475,851 | €465,456 | €458,272 | €464,140 | €450,469 | ▼ 2.9% |
| Tangible fixed assets22/27 | €475,588 | €465,193 | €457,809 | €463,678 | €450,007 | ▼ 2.9% |
| Land and buildings22 | €475,588 | €455,322 | €444,247 | €452,710 | €441,635 | ▼ 2.4% |
| Plant, machinery and equipment23 | €0 | €9,871 | €8,503 | €7,135 | €5,767 | ▼ 19.2% |
| Furniture and vehicles24 | €0 | - | €5,060 | €3,832 | €2,605 | ▼ 32.0% |
| Financial fixed assets28 | €263 | €263 | €463 | €463 | €463 | = |
| Current assets29/58 | €92,919 | €78,448 | €71,716 | €43,847 | €38,197 | ▼ 12.9% |
| Amounts receivable after more than one year29 | €15,000 | €24,000 | €24,000 | €0 | - | - |
| Trade receivables290 | - | - | €24,000 | €0 | - | - |
| Other amounts receivable291 | €15,000 | €24,000 | - | - | - | - |
| Stocks and contracts in progress3 | €3,797 | €18,772 | €31,547 | €36,300 | €28,374 | ▼ 21.8% |
| Stocks30/36 | €3,797 | €18,772 | €31,547 | €36,300 | €28,374 | ▼ 21.8% |
| Amounts receivable within one year40/41 | €30,249 | €34,144 | €15,956 | €7,546 | €4,059 | ▼ 46.2% |
| Trade receivables40 | €30,227 | €33,155 | €15,919 | €3,513 | €4,059 | ▲ 15.5% |
| Other amounts receivable41 | €23 | €989 | €37 | €4,033 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €42,048 | €451 | €213 | €0 | €5,764 | - |
| Deferred charges and accrued income490/1 | €1,824 | €1,080 | €0 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €568,769 | €543,904 | €529,988 | €507,987 | €488,667 | ▼ 3.8% |
| Equity10/15 | -€2,701 | €11,238 | €12,121 | €38,818 | €32,564 | ▼ 16.1% |
| Contributions10/11 | €1 | €1 | €1 | €1 | €1 | = |
| Revaluation surpluses12 | - | - | - | €19,539 | €19,539 | = |
| Reserves13 | €10,000 | €11,237 | €12,120 | €19,277 | €13,024 | ▼ 32.4% |
| Non-distributable reserves130/1 | €10,000 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Reserves not available under the articles1311 | €10,000 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Distributable reserves133 | - | €1,237 | €2,120 | €9,277 | €3,024 | ▼ 67.4% |
| Profit (loss) carried forward14 | -€12,702 | €0 | €0 | - | - | - |
| Amounts payable17/49 | €571,470 | €532,666 | €517,867 | €469,169 | €456,102 | ▼ 2.8% |
| Amounts payable after more than one year17 | €496,849 | €451,572 | €415,113 | €378,661 | €420,522 | ▲ 11.1% |
| Financial debts170/4 | €496,849 | €451,572 | €404,112 | €355,186 | €388,346 | ▲ 9.3% |
| Other amounts payable178/9 | - | - | €11,001 | €23,475 | €32,175 | ▲ 37.1% |
| Amounts payable within one year42/48 | €74,621 | €81,093 | €102,642 | €90,508 | €35,538 | ▼ 60.7% |
| Current portion of amounts payable after more than one year42 | €45,872 | €44,996 | €51,326 | €52,744 | €21,311 | ▼ 59.6% |
| Financial debts43 | - | €7,558 | €11,866 | €13,713 | €0 | ▼ 100% |
| Credit institutions430/8 | - | €7,558 | €11,866 | €13,713 | €0 | ▼ 100% |
| Trade debts44 | €21,538 | €19,183 | €18,850 | €5,894 | €3,912 | ▼ 33.6% |
| Suppliers440/4 | €21,538 | €19,183 | €18,850 | €5,894 | €3,912 | ▼ 33.6% |
| Advances received on contracts in progress46 | - | - | €8,387 | €0 | - | - |
| Taxes, remuneration and social security45 | €5,608 | €6,956 | €12,213 | €18,158 | €10,315 | ▼ 43.2% |
| Taxes450/3 | €5,608 | €6,956 | €7,213 | €16,908 | €10,315 | ▼ 39.0% |
| Remuneration and social security454/9 | - | - | €5,000 | €1,250 | €0 | ▼ 100% |
| Other amounts payable47/48 | €1,603 | €2,400 | €0 | - | - | - |
| Accrued charges and deferred income492/3 | €0 | - | €112 | €0 | €42 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€30,241 | €15,540 | €882 | €7,158 | -€6,253 | ▼ 187% |
| + Depreciation and write-downs630 | €15,250 | €15,575 | €13,097 | €13,671 | €13,671 | = |
| Operating cash flow (approximation) | -€14,991 | €31,114 | €13,979 | €20,829 | €7,418 | ▼ 64.4% |
| Investment in fixed assets (approximation) | - | -€5,180 | -€5,913 | -€19,539 | €0 | ▲ 100% |
| Change in cash | - | -€41,597 | -€239 | -€213 | €5,764 | ▲ 2,809% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 1.07
Current ratio from 0.48 to 1.07; short-term debt falls from €90,508 to €35,538.
27-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €15,540
Net result €15,540 after 2 loss-making years.
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 92 days late
23-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 296 days late
2021
31-12
Financial
Weakest financial yearnet -€30,241
Net result drops to -€30,241, the lowest in the series; recovery starts the following year.
2020
15-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 137 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 1.98
Current ratio from 0.60 to 1.98; short-term debt falls from €255,876 to €70,780.
28-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 89 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 92 days late
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, Bredene · 1 establishment unit since 2013
Ground area
1,200 m²
Building footprint
451 m²
Volume, LiDAR
3,455 m³
2 parcels, Flanders · tallest building 15.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Simperl
since 20132.219.766.806
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35002B0313/00E002 | Flanders | 816 m² | 1 · 283 m² | 8.1 m · 1 fl. |
| 35002B0314/00F002 | Flanders | 384 m² | 1 · 168 m² | 14.9 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 11,141 companies in sector 43910 we hold annual accounts for 5,493. 4,432 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 (pre-2019)
Founded21-05-2013
Fiscal year end31-12
Activities, NACEBEL 2025
43910Bricklaying and masonry work
43230Insulation installation
43320Joinery installation
43331Floor and wall tiling
47690Retail sale of other cultural and recreation goods
47784Retail sale of souvenirs and religious articles
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0534601048
Registered
06-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.