SINT-ELOOI
ActiveSINT-ELOOI has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €357k and a net result of €-5k. Equity is shrinking by ~3.7% per year across the filed fiscal years. Its solvency ranks better than 91% of 18281 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability52=
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.04 against 0.84 in 2024; short-term debt: 14.9% and cash: 14.7% of total assets), and 14.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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 30-06-2025 was due by 31-01-2026 and was filed on 06-01-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
36 d early
2023
9 d early
2022
42 d early
2021
42 d early
2020
44 d early
2019
50 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€357k▼ 1.2%
2024 · €362k
2019: €466k
2020: €428k
2021: €388k
2022: €378k
2023: €369k
2024: €362k
2019 → 2025
Total assets
€420k▼ 2.9%
2024 · €432k
2019: €613k
2020: €533k
2021: €484k
2022: €464k
2023: €455k
2024: €432k
2019 → 2025
Net result
€-5k▲ 39.1%
2024 · €-7k
2019: €-29k
2020: €-38k
2021: €-39k
2022: €-10k
2023: €-9k
2024: €-7k
2019 → 2025
Working capital
€3k
2024 · €-11k
2019: €-31k
2020: €-40k
2021: €-51k
2022: €-39k
2023: €-24k
2024: €-11k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€388k-€378k▼ 2.6%€369k▼ 2.5%€362k▼ 2.0%€357k▼ 1.2%
Operating result€-34k-€-26k▲ 21.6%€-9k▲ 65.8%€-3k▲ 67.1%€-1k▲ 60.5%
Net result€-39k-€-10k▲ 74.4%€-9k▲ 5.4%€-7k▲ 21.9%€-5k▲ 39.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1k in 2025 against €3k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €420k
Fixed assets
€354k▼ 4.9%
Current assets
€65k▲ 10.2%
Equity and liabilities €420k
Equity
€357k▼ 1.2%
Debt
€62k▼ 11.2%
The debt ratio falls from 16.3% to 14.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€20k▲
2024 · €19k
Cash flow
€16k▲
2024 · €15k
Solvency
85.1%▲
2024 · 83.7%
Current ratio
1.04▲
2024 · 0.84
Quick ratio
1.01▲
2024 · 0.72
Debt / equity
0.18▼
2024 · 0.19
ROE
-1.3%▲
2024 · -2.1%
ROA
-1.1%▲
2024 · -1.7%
Interest coverage
4.20=
2024 · 4.20
Debt
€62k▼
2024 · €70k
Debt ≤ 1 year
€62k▼
2024 · €70k
Income taxes
€401▲
2024 · €42
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€432k€420k▼
Fixed assets21/28€373k€354k▼
Tangible fixed assets22/27€373k€354k▼
Land and buildings22€373k€352k▼
Furniture and vehicles24-€3k
Current assets29/58€59k€65k▲
Stocks and contracts in progress3€9k€2k▼
Stocks30/36€9k€2k▼
Amounts receivable within one year40/41€1k€2k▲
Trade receivables40-€398
Other amounts receivable41€1k€1k▲
Cash at bank and in hand54/58€49k€62k▲
Equity and liabilities
Total equity and liabilities10/49€432k€420k▼
Equity10/15€362k€357k▼
Contributions10/11€673k€673k=
Capital10€673k€673k=
Issued capital100€673k€673k=
Profit (loss) carried forward14€-311k€-316k▼
Amounts payable17/49€70k€62k▼
Amounts payable within one year42/48€70k€62k▼
Trade debts44€11k€7k▼
Suppliers440/4€11k€7k▼
Taxes, remuneration and social security45-€550
Taxes450/3-€550
Other amounts payable47/48€60k€55k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€21k▼
Other operating charges640/8€4k€7k▲
Gross operating margin9900€23k€27k▲
Operating profit (loss)9901€-3k€-1k▲
Financial income75/76B€154€2k▲
Recurring financial income75€154€2k▲
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€-7k€-4k▲
Income taxes67/77€42€401▲
Profit (loss) for the period9904€-7k€-5k▲
Profit (loss) for the period to be appropriated9905€-7k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-311k€-316k▼
Profit (loss) brought forward from the previous period14P€-304k€-311k▼
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
06-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
26-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
22-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
20-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Weakest financial yearnet €-39k
Net result drops to €-39k, the lowest in the series; recovery starts the following year.
2020
18-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
12-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
17-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
11-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
09-12
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.
Directors · office · real estate
Directors
5 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, Ninove · 2 establishment units since 2011
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.
Nederhasseltstraat 3189404 NinoveGround area
1,524 m²
Building footprint
605 m²
Volume, LiDAR
3,128 m³
2 parcels, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
N.V.SINT-ELOOI
since 20112.204.966.485
SINT-ELOOI Ninove
since 20122.246.304.224
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41004A0203/00D000 | Flanders | 911 m² | 1 · 359 m² | 8.3 m · 2 fl. |
| 41362B0156/00K004 | Flanders | 613 m² | 1 · 246 m² | 11.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
MEURANT MERBES AUTO
BE 0840.663.861
Merbes-le-Château · Eq €357k
Mothes Handelsmij
BE 0747.908.701
Antwerpen · Eq €356k
CARDEAL
BE 0769.673.422
Saint-Ghislain · Eq €356k
HDG Group
BE 0680.916.442
Verviers · Eq €356k
GARAGE MORENO & FILS
BE 0452.609.225
La Louvière · Eq €358k
Of 10,672 companies in sector 47811 we hold annual accounts for 5,223. 3,587 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded25-01-2006
Fiscal year end30-06
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50500
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47300Retail sale of automotive fuel
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.