SINT JAMES
ActiveSINT JAMES has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €129k and a net result of €8k. Equity is growing by ~9.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 2935 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
88
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability76▲+1
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 9.72 against 9.87 in 2023; short-term debt: 9.6% and cash: 86.4% of total assets), and 9.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 56
Relative position
BE, all sectors
reference
Sector 56
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 31-12-2024 was due by 31-07-2025 and was filed on 15-06-2025, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
46 d early
2023
24 d early
2022
28 d early
2021
2 d early
2020
31 d early
2019
32 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€129k▲ 6.5%
2023 · €121k
2018: €71k
2019: €69k
2020: €86k
2021: €117k
2022: €114k
2023: €121k
2018 → 2024
Total assets
€142k▲ 7.1%
2023 · €133k
2018: €80k
2019: €73k
2020: €94k
2021: €126k
2022: €125k
2023: €133k
2018 → 2024
Net result
€8k▲ 11.8%
2023 · €7k
2018: €10k
2019: €-2k
2020: €17k
2021: €30k
2022: €-3k
2023: €7k
2018 → 2024
Working capital
€120k▲ 10.7%
2023 · €108k
2018: €62k
2019: €64k
2020: €84k
2021: €111k
2022: €98k
2023: €108k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€86k-€117k▲ 35.2%€114k▼ 2.7%€121k▲ 6.2%€129k▲ 6.5%
Operating result€20k-€42k▲ 110%€-3k€8k€11k▲ 39.4%
Net result€17k-€30k▲ 75.7%€-3k€7k€8k▲ 11.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 39% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €142k
Fixed assets
€9k▼ 29.5%
Current assets
€134k▲ 10.9%
Equity and liabilities €142k
Equity
€129k▲ 6.5%
Debt
€14k▲ 12.7%
The debt ratio rises from 9.2% to 9.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€14k▲
2023 · €11k
Cash flow
€12k▲
2023 · €11k
Solvency
90.4%▼
2023 · 90.8%
Current ratio
9.72▼
2023 · 9.87
Quick ratio
9.29▲
2023 · 9.25
Debt / equity
0.11▲
2023 · 0.10
ROE
6.1%▲
2023 · 5.8%
ROA
5.5%▲
2023 · 5.3%
Interest coverage
96.55▼
2023 · 224.56
Debt
€14k▲
2023 · €12k
Debt ≤ 1 year
€14k▲
2023 · €12k
Income taxes
€3k▲
2023 · €887
Staff costs
€57k▼
2023 · €68k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€133k€142k▲
Fixed assets21/28€13k€9k▼
Tangible fixed assets22/27€12k€8k▼
Plant, machinery and equipment23€11k€8k▼
Furniture and vehicles24€1k€670▼
Financial fixed assets28€558€558=
Current assets29/58€120k€134k▲
Stocks and contracts in progress3€8k€6k▼
Stocks30/36€8k€6k▼
Amounts receivable within one year40/41€7k€1k▼
Trade receivables40€563€1k▲
Other amounts receivable41€6k-
Cash at bank and in hand54/58€104k€123k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€133k€142k▲
Equity10/15€121k€129k▲
Contributions10/11€55k€55k=
Reserves13€55k€62k▲
Distributable reserves133€55k€62k▲
Profit (loss) carried forward14€11k€12k▲
Amounts payable17/49€12k€14k▲
Amounts payable within one year42/48€12k€14k▲
Financial debts43€8-
Credit institutions430/8€8-
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Advances received on contracts in progress46€100-
Taxes, remuneration and social security45€7k€9k▲
Taxes450/3€3k€5k▲
Remuneration and social security454/9€4k€4k▲
Other amounts payable47/48€2k€3k▲
Income statement
Code20232024
Remuneration, social security and pensions62€68k€57k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€81k€73k▼
Operating profit (loss)9901€8k€11k▲
Financial income75/76B€300€414▲
Recurring financial income75€300€414▲
Financial charges65/66B€51€150▲
Recurring financial charges65€51€150▲
Profit (loss) for the period before taxes9903€8k€11k▲
Income taxes67/77€887€3k▲
Profit (loss) for the period9904€7k€8k▲
Profit (loss) for the period to be appropriated9905€7k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€19k▲
Profit (loss) brought forward from the previous period14P€11k€11k▲
Transfer to equity691/2€7k€8k▲
To other reserves6921€7k€8k▲
Social balance
Average headcount (FTE)90871.71.2▼
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
2025
15-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
07-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-3k ▼110%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €30k ▲75.7%
Operating result €42k, net result €30k, both a record.
31-12
Financial
Equity above €100kEq €117k ▲35.2%
2 profitable years in a row build equity to €117k.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Liquidity doublescurrent ratio 17.62
Current ratio from 7.95 to 17.62; short-term debt falls from €9k to €4k.
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
27-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Middelkerke · 1 establishment unit since 1983
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.
Koning Ridderdijk 318434 MiddelkerkeGround area
308 m²
Building footprint
308 m²
Volume, LiDAR
5,183 m³
Parcel 35022A0001/00W059, Flanders · tallest building 32.1 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Koning Ridderdijk 31, 8434 Middelkerke
since 19832.021.811.481
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35022A0001/00W059 | Flanders | 308 m² | 1 · 308 m² | 32.1 m · 8 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 2,408 EUR awarded · 2,408 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 408 EUR | 408 EUR |
| 2022 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Energiesteun 2 (stopgezet)
Recognitions · licences · registrations
Food safety, FASFC
1 siteMiddelkerke2.021.811.481
Similar companies · same sector, comparable size
ERINCK
BE 0895.380.670
Dilbeek · Eq €129k
P. BEURSKENS
BE 0787.217.356
Bilzen-Hoeselt · Eq €129k
MAGNIFIC
BE 0662.800.703
Lanaken · Eq €129k
ZILITO
BE 0473.690.392
Heist-op-den-Berg · Eq €129k
DIAMANT GARDEN
BE 0860.886.876
Nijlen · Eq €129k
Of 20,495 companies in sector 56111 we hold annual accounts for 11,455. 9,275 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-02-1983
Fiscal year end31-12
Activities, NACEBEL
55301
56101Full-service restaurants
56111Full-service restaurants
55401
55522
56210Event catering
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.