Sirma
ActiveThe computed 12-month bankruptcy probability of Sirma is 1.7% (moderate). The 2025 annual accounts show equity of €74k and a net result of €16k. Equity is growing by ~33.2% per year across the filed fiscal years. Its solvency ranks better than 80% of 1522 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
91
/ 100
Excellent▲ +22 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+77
Solvency100▲+15
Growth78=
Stability100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.18 against 1.82 in 2024), and 33.1% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Sector 10
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
66.9%
Return on assets
14.1%
Age of the figures
8 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 31-07-2026, 0 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
on the day
2024
12 d early
2023
15 d early
2022
30 d late
2021
16 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€407k
EBIT margin
0.4%
Net result
€16k▲ 468%
2024 · €3k
2021: €2k
2022: €6k
2023: €49k
2024: €3k
2021 → 2025
Working capital
€43k▲ 15.5%
2024 · €37k
2021: €-35k
2022: €-21k
2023: €65k
2024: €37k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€407k-
Equity€2k-€7k▲ 355%€56k▲ 651%€59k▲ 4.9%€74k▲ 26.6%
Operating result€2k-€6k▲ 288%€50k▲ 689%€17k▼ 66.3%€20k▲ 17.1%
Net result€2k-€6k▲ 256%€49k▲ 735%€3k▼ 94.3%€16k▲ 468%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 17% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €111k
Fixed assets
€31k▼ 36.0%
Current assets
€80k▼ 4.0%
Equity and liabilities €111k
Equity
€74k▲ 26.6%
Debt
€37k▼ 49.8%
The debt ratio falls from 55.5% to 33.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€37k▲
2024 · €37k
Cash flow
€33k▲
2024 · €23k
Solvency
66.9%▲
2024 · 44.5%
Current ratio
2.18▲
2024 · 1.82
Quick ratio
0.46▲
2024 · 0.38
Debt / equity
0.49▼
2024 · 1.25
ROE
21.0%▲
2024 · 4.7%
ROA
14.1%▲
2024 · 2.1%
Interest coverage
23.58▲
2024 · 17.55
Debt
€37k▼
2024 · €73k
Debt ≤ 1 year
€37k▼
2024 · €46k
Income taxes
€3k▼
2024 · €12k
Staff costs
€177k▲
2024 · €175k
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€132k€111k▼
Fixed assets21/28€49k€31k▼
Tangible fixed assets22/27€49k€31k▼
Plant, machinery and equipment23€6k€677▼
Furniture and vehicles24€43k€30k▼
Current assets29/58€83k€80k▼
Stocks and contracts in progress3€66k€63k▼
Stocks30/36€66k€63k▼
Amounts receivable within one year40/41€330€2k▲
Other amounts receivable41€330€2k▲
Cash at bank and in hand54/58€13k€11k▼
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€132k€111k▼
Equity10/15€59k€74k▲
Contributions10/11€1€1=
Profit (loss) carried forward14€59k€74k▲
Amounts payable17/49€73k€37k▼
Amounts payable after more than one year17€27k-
Financial debts170/4€27k-
Amounts payable within one year42/48€46k€37k▼
Current portion of amounts payable after more than one year42-€14k
Trade debts44€24k€9k▼
Suppliers440/4€24k€9k▼
Advances received on contracts in progress46€193€193=
Taxes, remuneration and social security45€20k€12k▼
Taxes450/3€2k€3k▲
Remuneration and social security454/9€18k€9k▼
Other amounts payable47/48€2k€2k=
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€499k-
Remuneration, social security and pensions62€175k€177k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€17k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€213k€216k▲
Operating profit (loss)9901€17k€20k▲
Financial income75/76B€356€649▲
Recurring financial income75€356€649▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€15k€19k▲
Income taxes67/77€12k€3k▼
Profit (loss) for the period9904€3k€16k▲
Profit (loss) for the period to be appropriated9905€3k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€59k€74k▲
Profit (loss) brought forward from the previous period14P€56k€59k▲
The notes to these accounts (4 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2021net €49k ▲735%
Operating result €50k, net result €49k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 2.63
Current ratio from 0.63 to 2.63; short-term debt falls from €58k to €40k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro 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, Antwerpen · 1 establishment unit since 2020
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.
Herentalsebaan 832150 AntwerpenGround area
546 m²
Building footprint
283 m²
Volume, LiDAR
2,063 m³
Parcel 11007A0033/00X007, Flanders · tallest building 9.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Sirma
since 20202.305.805.905
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11007A0033/00X007 | Flanders | 546 m² | 1 · 283 m² | 9.7 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.305.805.905
Similar companies · same sector, comparable size
PAINCHART
BE 0791.272.649
Sint-Gillis (bij-Brussel) · Eq €74k
Edams
BE 0773.736.633
Antwerpen · Eq €74k
BAKKERIJ LISETTE
BE 0458.982.917
Grimbergen · Eq €74k
BANKETBAKKERIJ VAN VOOREN
BE 0597.688.462
Sint-Laureins · Eq €75k
OBM BROOD EN BANKET
BE 0877.688.761
Oostkamp · Eq €74k
Of 4,201 companies in sector 10712 we hold annual accounts for 1,851. 1,577 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-07-2020
Fiscal year end31-12
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
10720Manufacture of food products
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.