Age2 yrs
Real estate1 parcel · 95 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of SIRMANO is 4.4% (elevated). The 2024 annual accounts show equity of €21k and a net result of €-3k. Its solvency ranks better than 93% of 2245 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone4.4%
Elevated
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceStrong solvency vs sector
Solvency is in the sector's strongest quartile: better than 93% of 2245 peers (2024). A comfortable equity buffer.
View the sector comparison Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Trust signals
3 signalsYoung company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags
0 events
No administrative flags
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-3k
Working capital€20k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 28-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 49, Land transport · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 82.2% | 27.4% | |
| Net result | €-3k | €6k | |
| Equity | €21k | €17k | |
| Gross operating margin | €-2k | €28k | |
| Total assets | €26k | €65k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Revenue | - |
| EBITDA | €-2k |
| Net profit | €-3k |
| Cash flow | €-2k |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €26k |
| Equity | €21k |
| Debt | €5k |
| of which ≤ 1y | €5k |
| of which > 1y | - |
| Working capital | €20k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 5.36 |
| Quick ratio | 4.44 |
| Working capital ratio | 77.7% |
| Solvency | 82.2% |
| Debt / equity | 0.22 |
| Long-term debt ratio | - |
| Interest coverage | -9.34 |
| Gross margin | - |
| Net margin | - |
| ROA | -10.5% |
| ROE | -12.8% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €26k |
| Fixed assets | 21/28 | €1k |
| Tangible fixed assets | 22/27 | €1k |
| Current assets | 29/58 | €25k |
| Stocks & contracts in progress | 3 | €4k |
| Amounts receivable within one year | 40/41 | €19k |
| Cash & bank | 54/58 | €2k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €26k |
| Equity | 10/15 | €21k |
| Contributions / capital | 10/11 | €24k |
| Accumulated profits (losses) | 14 | €-3k |
| Amounts payable | 17/49 | €5k |
| Amounts payable within one year | 42/48 | €5k |
| Trade debts payable within one year | 44 | €2k |
| Income statement | ||
| Gross operating margin | 9900 | €-2k |
| Operating result | 9901 | €-2k |
| Financial charges | 65 | €238 |
| Result before taxes | 9903 | €-3k |
| Net result for the period | 9904 | €-3k |
| Result to be appropriated | 9905 | €-3k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed55
/ 100
Fair
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Structure & network
Locations & real estate
Establishment units
1 locationOverwinningsstraat 43, 2830 Willebroek
since 20242.357.318.843
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area95 m²
Buildings1
Building footprint95 m²
Volume (LiDAR)791 m³
Tallest building9.9 m · ±3 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12342C0288/00D003 | Flanders | 95 m² | 1 · 95 m² | 9.8 m · 3 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Analysis
Snowflake analysis
financial profile on 5 axes54
/ 100
Mixed profile: strong on solvency, weaker on profitability.
Health
55
Profitability
0
Solvency
100
Growth
50
Stability
67
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Credit advice
verdict per customer and amountSimilar
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Company registry (CBE)
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Primary activity highlighted.
Names & trade names
| Legal nameNL | SIRMANO |
Registered office
Overwinningsstraat 43
2830 Willebroek, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.