Simphony
ActiveSummary
Simphony has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €39k and a net result of €1k. Equity is shrinking by ~20.2% per year across the filed fiscal years. Its solvency ranks better than 50% of 1208 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability23=
Solvency67▲+1
Growth58=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.73 against 1.71 in 2024; short-term debt: 56.9% and cash: 0% of total assets), but 58.1% of the assets are financed with debt.
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Signals
Three 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 81
Relative position
BE, all sectors
reference
Services to buildings and landscape activities (NACE 81)
about 79% 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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 15-09-2025, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 d early
2024
31 d early
2023
32 d early
2022
46 d early
2021
47 d early
2020
29 d early
2019
45 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close26-09-2026 today31-10-2026 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 Can you accept this company as a client under the anti-money-laundering law?AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2025, abbreviated schema
Equity
€39k▲ 4.0%
2024 · €37k
Total assets
€93k▲ 2.8%
2024 · €90k
Net result
€1k▲ 114%
2024 · €692
Working capital
€39k▲ 5.5%
2024 · €37k
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€18k▲ 1,603%€4k▼ 78.2%€2k▼ 35.6%€806▼ 67.5%€1k▲ 24.8%
Net result€13k▲ 1,383%€-97k€2k€692▼ 54.6%€1k▲ 114%
Equity€132k▲ 10.5%€35k▼ 73.4%€37k▲ 4.3%€37k▲ 1.9%€39k▲ 4.0%
Total assets€147k▼ 14.9%€39k▼ 73.7%€37k▼ 4.5%€90k▲ 144%€93k▲ 2.8%
Debt€15k▼ 71.8%€4k▼ 75.9%€360▼ 90.1%€53k▲ 14,559%€54k▲ 1.9%
Working capital€31k▲ 55.9%€33k▲ 4.2%€35k▲ 6.2%€37k▲ 5.7%€39k▲ 5.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 25% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €93k
Fixed assets
€1k ▼ 13.4%
Current assets
€91k ▲ 3.3%
Equity and liabilities €93k
Equity
€39k ▲ 4.0%
Debt
€54k ▲ 1.9%
Debt's share of the balance-sheet total falls from 58.6% to 58.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€1k▲
2024 · €1k
Cash flow
€2k▲
2024 · €1k
Current ratio
1.73▲
2024 · 1.71
Debt to equity
1.39▼
2024 · 1.42
ROE
3.8%▲
2024 · 1.9%
ROA
1.6%▲
2024 · 0.8%
Interest coverage
0.28▼
2024 · 0.38
Debt ≤ 1 year
€53k▲
2024 · €52k
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 | €256 | €361 | €456 | €456 | €456 | = |
| Other operating charges640/8 | - | €622 | €700 | €617 | €694 | ▲ 12.4% |
| Gross operating margin9900 | €19k | €5k | €4k | €2k | €2k | ▲ 14.7% |
| Operating profit (loss)9901 | €18k | €4k | €2k | €806 | €1k | ▲ 24.8% |
| Financial income75/76B | - | €191 | €211 | €3k | €6k | ▲ 77.5% |
| Recurring financial income75 | €1k | €191 | €211 | €3k | €6k | ▲ 77.5% |
| Financial charges65/66B | - | €101k | €1k | €3k | €5k | ▲ 57.1% |
| Recurring financial charges65 | €1k | €992 | €1k | €3k | €5k | ▲ 57.1% |
| Non-recurring financial charges66B | - | €100k | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €17k | €-97k | €2k | €692 | €1k | ▲ 114% |
| Income taxes67/77 | €5k | - | - | - | - | - |
| Profit (loss) for the period9904 | €13k | €-97k | €2k | €692 | €1k | ▲ 114% |
| Profit (loss) for the period to be appropriated9905 | €13k | €-97k | €2k | €692 | €1k | ▲ 114% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €147k | €39k | €37k | €90k | €93k | ▲ 2.8% |
| Formation expenses20 | €1k | €769 | €513 | €256 | - | - |
| Fixed assets21/28 | €100k | €2k | €2k | €1k | €1k | ▼ 13.4% |
| Tangible fixed assets22/27 | - | €2k | €2k | €1k | €1k | ▼ 13.4% |
| Furniture and vehicles24 | - | €2k | €2k | €1k | €1k | ▼ 13.4% |
| Financial fixed assets28 | €100k | - | - | - | - | - |
| Current assets29/58 | €46k | €36k | €35k | €88k | €91k | ▲ 3.3% |
| Amounts receivable within one year40/41 | €29k | €20k | €31k | €87k | €91k | ▲ 5.2% |
| Trade receivables40 | - | €18k | €13k | €11k | €10k | ▼ 4.8% |
| Other amounts receivable41 | - | €3k | €19k | €76k | €81k | ▲ 6.5% |
| Cash at bank and in hand54/58 | €17k | €16k | €4k | €2k | €6 | ▼ 99.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €147k | €39k | €37k | €90k | €93k | ▲ 2.8% |
| Equity10/15 | €132k | €35k | €37k | €37k | €39k | ▲ 4.0% |
| Contributions10/11 | - | €8k | €8k | €8k | €8k | = |
| Reserves13 | €2k | - | - | - | - | - |
| Profit (loss) carried forward14 | €124k | €27k | €29k | €29k | €31k | ▲ 5.1% |
| Amounts payable17/49 | €15k | €4k | €360 | €53k | €54k | ▲ 1.9% |
| Amounts payable within one year42/48 | €15k | €3k | €83 | €52k | €53k | ▲ 1.8% |
| Financial debts43 | - | - | - | €50k | €52k | ▲ 5.0% |
| Credit institutions430/8 | - | - | - | €50k | €52k | ▲ 5.0% |
| Trade debts44 | €4k | €3k | €83 | €2k | €177 | ▼ 89.9% |
| Suppliers440/4 | - | €3k | €83 | €2k | €177 | ▼ 89.9% |
| Taxes, remuneration and social security45 | - | - | - | - | €1 | - |
| Taxes450/3 | - | - | - | - | €1 | - |
| Accrued charges and deferred income492/3 | - | €239 | €277 | €1k | €1k | ▲ 7.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €13k | €-97k | €2k | €692 | €1k | ▲ 114% |
| + Depreciation and write-downs630 | €256 | €361 | €456 | €456 | €456 | = |
| Operating cash flow (approximation) | €13k | €-97k | €2k | €1k | €2k | ▲ 68.8% |
| Investment in fixed assets (approximation) | - | €98k | €-256 | €-256 | €-256 | = |
| Change in cash | - | €-1k | €-12k | €-2k | €-2k | ▲ 22.5% |
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
2025
15-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
31-03
Financial
Liquidity times 39current ratio 418.56
Current ratio from 10.63 to 418.56; short-term debt falls from €3k to €83.
2022
15-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
31-03
Financial
Weakest financial yearnet €-97k
Net result drops to €-97k, the lowest in the series; recovery starts the following year.
31-03
Financial
Liquidity triplescurrent ratio 10.63
Current ratio from 3.13 to 10.63; short-term debt falls from €15k to €3k.
2021
14-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Highest result since 2019net €13k ▲1,383%
Operating result €18k, net result €13k, both a record.
31-03
Financial
Liquidity doublescurrent ratio 3.13
Current ratio from 1.38 to 3.13; short-term debt falls from €53k to €15k.
2020
02-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Show earlier events
2019
16-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
30-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2016
06-10
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 4 acts read
About the unread acts
We know of 4 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
4 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, Schelle · 1 establishment unit since 2007
Ground area
1,171 m²
Building footprint
989 m²
Volume, LiDAR
7,053 m³
Parcel 11038C0332/00V000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Valerimmo
since 20072.164.998.527
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11038C0332/00V000 | Flanders | 1,171 m² | 1 · 989 m² | 8.0 m · 2 fl. |
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.
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Of 1,280 companies in sector 81100 we hold annual accounts for 678. 347 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
Founded02-08-2007
Fiscal year end31-03
Activities, NACEBEL 2025
81100Combined facilities support activities
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.