Sio
ActiveSio has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €115k and a net result of €46k. Equity is growing by ~48.5% per year across the filed fiscal years. Its solvency ranks better than 74% of 12685 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+11
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 4.42 against 5.27 in 2024; short-term debt: 19.1% and cash: 30.2% of total assets), and 22.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
77.3%
Return on assets
30.9%
Age of the figures
9 mo
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 12-05-2026, 80 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
80 d early
2024
158 d early
2023
58 d early
2022
77 d early
2021
63 d early
2020
30 d late
2019
31 d late
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€115k▲ 29.8%
2024 · €89k
2018: €9k
2019: €14k
2020: €15k
2021: €20k
2022: €34k
2023: €80k
2024: €89k
2018 → 2025
Total assets
€149k▲ 30.9%
2024 · €114k
2018: €12k
2019: €27k
2020: €25k
2021: €30k
2022: €45k
2023: €108k
2024: €114k
2018 → 2025
Net result
€46k▲ 145%
2024 · €19k
2018: €3k
2019: €5k
2020: €805
2021: €5k
2022: €13k
2023: €63k
2024: €19k
2018 → 2025
Working capital
€97k▲ 36.0%
2024 · €72k
2018: €7k
2019: €12k
2020: €12k
2021: €19k
2022: €21k
2023: €69k
2024: €72k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€34k▲ 65.9%€80k▲ 137%€89k▲ 11.2%€115k▲ 29.8%
Operating result€10k-€21k▲ 110%€18k▼ 15.9%€28k▲ 57.3%€40k▲ 43.1%
Net result€5k-€13k▲ 144%€63k▲ 375%€19k▼ 70.3%€46k▲ 145%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 43% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €149k
Fixed assets
€23k▼ 9.5%
Current assets
€126k▲ 42.4%
Equity and liabilities €149k
Equity
€115k▲ 29.8%
Debt
€34k▲ 34.7%
The debt ratio rises from 22.0% to 22.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€44k▲
2024 · €31k
Cash flow
€50k▲
2024 · €22k
Solvency
77.3%▼
2024 · 78.0%
Current ratio
4.42▼
2024 · 5.27
Quick ratio
4.42▼
2024 · 5.27
Debt / equity
0.29▲
2024 · 0.28
ROE
40.0%▲
2024 · 21.2%
ROA
30.9%▲
2024 · 16.6%
Interest coverage
19.98▲
2024 · 13.20
Debt
€34k▲
2024 · €25k
Debt ≤ 1 year
€28k▲
2024 · €17k
Debt > 1 year
€5k▼
2024 · €8k
Income taxes
€13k▲
2024 · €8k
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€114k€149k▲
Fixed assets21/28€25k€23k▼
Tangible fixed assets22/27€19k€16k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€4k€3k▼
Other tangible fixed assets26€12k€11k▼
Financial fixed assets28€7k€7k=
Current assets29/58€88k€126k▲
Amounts receivable after more than one year29€36k€36k=
Other amounts receivable291€36k€36k=
Amounts receivable within one year40/41€10k€12k▲
Trade receivables40€644€0▼
Other amounts receivable41€9k€12k▲
Current investments50/53-€24k
Cash at bank and in hand54/58€36k€45k▲
Deferred charges and accrued income490/1€6k€9k▲
Equity and liabilities
Total equity and liabilities10/49€114k€149k▲
Equity10/15€89k€115k▲
Contributions10/11€1k€1k=
Reserves13€88k€114k▲
Distributable reserves133€88k€114k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€25k€34k▲
Amounts payable after more than one year17€8k€5k▼
Financial debts170/4€8k€5k▼
Amounts payable within one year42/48€17k€28k▲
Current portion of amounts payable after more than one year42€4k€3k▼
Financial debts43€129€1k▲
Credit institutions430/8€129€1k▲
Other loans439€0-
Trade debts44€2k€998▼
Suppliers440/4€2k€998▼
Taxes, remuneration and social security45€6k€10k▲
Taxes450/3€6k€10k▲
Other amounts payable47/48€5k€13k▲
Accrued charges and deferred income492/3€450€600▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€558€580▲
Non-recurring operating charges66A-€132
Gross operating margin9900€31k€44k▲
Operating profit (loss)9901€28k€40k▲
Financial income75/76B€1k€21k▲
Recurring financial income75€1k€21k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€27k€59k▲
Income taxes67/77€8k€13k▲
Profit (loss) for the period9904€19k€46k▲
Profit (loss) for the period to be appropriated9905€19k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€19k€46k▲
Transfer from equity791/2€5k€20k▲
Transfer to equity691/2€19k€46k▲
To other reserves6921€19k€46k▲
Profit to be distributed694/7€5k€20k▲
Return on contributions (dividend)694€5k€20k▲
The notes to these accounts (12 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
12-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €115k ▲29.8%
8 profitable years in a row build equity to €115k.
23-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €63k ▲375%
Net result €63k, the highest in the series.
15-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €805 ▼83.9%
Net result drops to €805, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Heist-op-den-Berg · 1 establishment unit since 2017
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.
Kleine steenweg 1762221 Heist-op-den-BergGround area
796 m²
Building footprint
170 m²
Parcel 12006D0310/00R003, Flanders. Linked by address, not a title deed.
1 establishment unit
SIO
since 20172.265.112.722
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12006D0310/00R003 | Flanders | 796 m² | 1 · 170 m² | 0.0 m |
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 2025 · 4 entries · 2,702 EUR awarded · 2,405 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 297 EUR | 0 EUR |
| 2024 | 1 | 144 EUR | 144 EUR |
| 2023 | 1 | 0 EUR | 906 EUR |
| 2022 | 1 | 2,261 EUR | 1,355 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
699400NXN9GLZQSPB708
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,638. 6,517 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-06-2017
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.