Sirat
ActiveSirat has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €94k and a net result of €16k. Equity is growing by ~12.7% per year across the filed fiscal years. Its solvency ranks better than 60% of 18173 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+1
Solvency71▼-4
Growth52=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.82 against 3.05 in 2024; short-term debt: 28.3% and cash: 6.9% of total assets), but 54.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · 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
45.9%
Return on assets
8.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
17 d late
2024
22 d late
2023
30 d late
2022
31 d late
2021
29 d late
2020
26 d late
2019
31 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Name match with a sanctions list
1 entryАсоциация за граждански права и борба с лъжитеalias Асоциация за образование, култура и за изграждане на общество - Sirat
A name match is not a finding that this company itself is on the list; check the entry at the source.
Financials · fiscal year 2025, micro schema
Equity
€94k▼ 12.0%
2024 · €106k
2018: €50k
2019: €52k
2020: €54k
2021: €61k
2022: €82k
2023: €91k
2024: €106k
2018 → 2025
Total assets
€204k▼ 4.0%
2024 · €212k
2018: €93k
2019: €96k
2020: €97k
2021: €89k
2022: €129k
2023: €135k
2024: €212k
2018 → 2025
Net result
€16k▲ 10.0%
2024 · €15k
2018: €30k
2019: €2k
2020: €2k
2021: €7k
2022: €21k
2023: €9k
2024: €15k
2018 → 2025
Working capital
€48k▼ 32.9%
2024 · €71k
2018: €40k
2019: €44k
2020: €42k
2021: €51k
2022: €57k
2023: €77k
2024: €71k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€61k-€82k▲ 34.0%€91k▲ 11.6%€106k▲ 16.4%€94k▼ 12.0%
Operating result€10k-€30k▲ 184%€17k▼ 44.3%€26k▲ 53.8%€35k▲ 36.9%
Net result€7k-€21k▲ 194%€9k▼ 54.3%€15k▲ 58.0%€16k▲ 10.0%
Turnover and EBIT margin not published: the 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 37% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €204k
Fixed assets
€99k▼ 7.7%
Current assets
€105k▼ 0.2%
Equity and liabilities €204k
Equity
€94k▼ 12.0%
Debt
€110k▲ 4.0%
The debt ratio rises from 50.0% to 54.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€56k▲
2024 · €37k
Cash flow
€37k▲
2024 · €27k
Solvency
45.9%▼
2024 · 50.0%
Current ratio
1.82▼
2024 · 3.05
Quick ratio
0.56▼
2024 · 1.48
Debt / equity
1.18▲
2024 · 1.00
ROE
17.6%▲
2024 · 14.1%
ROA
8.1%▲
2024 · 7.0%
Interest coverage
6.77▼
2024 · 7.21
Debt
€110k▲
2024 · €106k
Debt ≤ 1 year
€58k▲
2024 · €35k
Debt > 1 year
€49k▼
2024 · €68k
Income taxes
€11k▲
2024 · €6k
Staff costs
€14▼
2024 · €13k
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€212k€204k▼
Fixed assets21/28€107k€99k▼
Intangible fixed assets21-€5k
Tangible fixed assets22/27€105k€92k▼
Land and buildings22-€1k
Plant, machinery and equipment23€1k€7k▲
Furniture and vehicles24€104k€84k▼
Financial fixed assets28€1k€1k=
Current assets29/58€106k€105k▼
Stocks and contracts in progress3€54k€73k▲
Stocks30/36€54k€73k▲
Amounts receivable within one year40/41€20k€16k▼
Trade receivables40€289€649▲
Other amounts receivable41€20k€16k▼
Cash at bank and in hand54/58€27k€14k▼
Deferred charges and accrued income490/1€5k€2k▼
Equity and liabilities
Total equity and liabilities10/49€212k€204k▼
Equity10/15€106k€94k▼
Contributions10/11€19k€19k=
Reserves13€56k€43k▼
Distributable reserves133€56k€43k▼
Profit (loss) carried forward14€32k€32k=
Amounts payable17/49€106k€110k▲
Amounts payable after more than one year17€68k€49k▼
Financial debts170/4€68k€49k▼
Amounts payable within one year42/48€35k€58k▲
Current portion of amounts payable after more than one year42€13k€14k▲
Trade debts44€7k€20k▲
Suppliers440/4€7k€20k▲
Taxes, remuneration and social security45€15k€24k▲
Taxes450/3€11k€22k▲
Remuneration and social security454/9€4k€2k▼
Accrued charges and deferred income492/3€3k€4k▲
Income statement
Code20242025
Non-recurring operating income76A€4k€2k▼
Remuneration, social security and pensions62€13k€14▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€21k▲
Other operating charges640/8€3k€8k▲
Gross operating margin9900€53k€63k▲
Operating profit (loss)9901€26k€35k▲
Financial income75/76B€1k€487▼
Recurring financial income75€1k€487▼
Financial charges65/66B€5k€8k▲
Recurring financial charges65€5k€8k▲
Profit (loss) for the period before taxes9903€21k€27k▲
Income taxes67/77€6k€11k▲
Profit (loss) for the period9904€15k€16k▲
Profit (loss) for the period to be appropriated9905€15k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€47k€49k▲
Profit (loss) brought forward from the previous period14P€32k€32k=
Transfer from equity791/2-€29k
Transfer to equity691/2€15k€16k▲
To other reserves6921€15k€16k▲
Profit to be distributed694/7-€29k
Return on contributions (dividend)694-€29k
The notes to these accounts (11 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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
31-12
Financial
Equity above €100kEq €106k ▲16.4%
7 profitable years in a row build equity to €106k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €2k ▼94.3%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
13-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 105 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Diest · 2 establishment units 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.
Halensebaan 813290 DiestGround area
487 m²
Building footprint
253 m²
Volume, LiDAR
1,627 m³
2 parcels, Flanders · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Halensebaan 81, 3290 Diest
since 20172.262.893.402
Winkel Statiestraat - Diest
since 20252.377.101.497
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24120B0078/00G002 | Flanders | 307 m² | 1 · 108 m² | 10.9 m · 3 fl. |
| 24020A1309/00X000 | Flanders | 180 m² | 1 · 146 m² | 10.7 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.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesDiest2.262.893.402
Diest2.377.101.497
Similar companies · same sector, comparable size
Mazzel Investments
BE 0715.650.756
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EURO ONE SERVICE
BE 0454.858.932
Antwerpen · Eq €94k
ORDIS
BE 0707.790.687
Ath · Eq €94k
T.F.P.W.
BE 0688.921.219
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SHANLY
BE 0450.923.801
Antwerpen · Eq €93k
Of 10,527 companies in sector 47110 we hold annual accounts for 5,862. 4,664 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-05-2016
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
95316Washing and cleaning of motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.