SK EXPRESS
ActiveThe computed 12-month bankruptcy probability of SK EXPRESS is 3.4% (moderate). The 2025 annual accounts show negative equity (€-67k) and a net result of €-53k. Equity is shrinking by ~108.7% per year across the filed fiscal years. Its solvency ranks better than 10% of 18281 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
18
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-67
Solvency0▼-6
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.46 against 0.72 in 2024; short-term debt: 186.7% and cash: 6.1% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-86.7%
Return on assets
-67.6%
Age of the figures
9 mo
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 →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year €-67k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
24 d late
2023
30 d late
2022
31 d late
2021
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-67k▼ 354%
2024 · €-15k
2021: €5k
2022: €-6k
2023: €-24k
2024: €-15k
2021 → 2025
Total assets
€78k▼ 1.0%
2024 · €79k
2021: €64k
2022: €57k
2023: €62k
2024: €79k
2021 → 2025
Net result
€-53k
2024 · €9k
2021: €3k
2022: €-11k
2023: €-21k
2024: €9k
2021 → 2025
Working capital
€-79k▼ 202%
2024 · €-26k
2021: €-7k
2022: €-17k
2023: €-35k
2024: €-26k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€-6k€-24k▼ 290%€-15k▲ 38.4%€-67k▼ 354%
Operating result€826-€-11k€-20k▼ 92.0%€10k€-52k
Net result€3k-€-11k€-21k▼ 91.5%€9k€-53k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €52k after €10k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €78k
Fixed assets
€11k=
Current assets
€66k▼ 1.2%
Key figures and ratios
Solvency
-86.7%▼
2024 · -18.9%
Current ratio
0.46▼
2024 · 0.72
Quick ratio
0.03▼
2024 · 0.06
Debt / equity
-2.15▲
2024 · -6.29
ROA
-67.6%▼
2024 · 11.8%
Debt
€145k▲
2024 · €93k
Debt ≤ 1 year
€145k▲
2024 · €93k
Staff costs
€34k▲
2024 · €34k
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€79k€78k▼
Fixed assets21/28€11k€11k=
Financial fixed assets28€11k€11k=
Current assets29/58€67k€66k▼
Stocks and contracts in progress3€62k€62k=
Stocks30/36€62k€62k=
Cash at bank and in hand54/58€5k€5k▼
Deferred charges and accrued income490/1€162-
Equity and liabilities
Total equity and liabilities10/49€79k€78k▼
Equity10/15€-15k€-67k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€-16k€-69k▼
Amounts payable17/49€93k€145k▲
Amounts payable within one year42/48€93k€145k▲
Trade debts44€30k€51k▲
Suppliers440/4€30k€51k▲
Taxes, remuneration and social security45€14k€10k▼
Taxes450/3€2k€730▼
Remuneration and social security454/9€11k€10k▼
Other amounts payable47/48€50k€84k▲
Income statement
Code20242025
Remuneration, social security and pensions62€34k€34k▲
Other operating charges640/8€282€654▲
Gross operating margin9900€44k€-17k▼
Operating profit (loss)9901€10k€-52k▼
Financial income75/76B€840-
Recurring financial income75€840-
Financial charges65/66B€1k€567▼
Recurring financial charges65€1k€567▼
Profit (loss) for the period before taxes9903€9k€-53k▼
Profit (loss) for the period9904€9k€-53k▼
Profit (loss) for the period to be appropriated9905€9k€-53k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-16k€-69k▼
Profit (loss) brought forward from the previous period14P€-26k€-16k▲
The notes to these accounts (2 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-53k ▼669%
Net result drops to €-53k, the lowest in the series.
24-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 24 days late
2024
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
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
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
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, Liège · 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.
Place du Marché 16-184000 LiègeGround area
146 m²
Building footprint
38 m²
Volume, LiDAR
706 m³
Parcel 62063A0500/00B000, Wallonia · tallest building 20.6 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
KAUSAR LIBRAIRIE MARKET
since 20202.304.904.496
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62063A0500/00B000 ProtectedMonument |
Wallonia | 145 m² | 1 · 38 m² | 20.6 m · 6 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteLiège2.304.904.496
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Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 2,508 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-07-2020
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
47620Retail trade
47621Retail sale of newspapers and periodicals
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.