Summary
SL & K is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €213,885 and a net result of €195,285. Equity is growing by ~3% per year across the filed fiscal years. Its solvency ranks better than 41% of 8094 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
27 d late
2023
29 d late
2022
60 d late
2021
31 d late
2020
31 d late
2019
21 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 20 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 30 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€213,885▲ 26.4%
2024 · €169,260
Net result
€195,285▲ 30.3%
2024 · €149,838
Total assets
€539,873▲ 44.5%
2024 · €373,634
Solvency
39.6%▼ 5.7pp
2024 · 45.3%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€66,844▲ 6.8%€84,009▲ 25.7%€79,160▼ 5.8%€201,872▲ 155%€193,558▼ 4.1%
Net result€48,908within the sector's middle half▼ 2.6%€63,756within the sector's middle half▲ 30.4%€58,952within the sector's middle half▼ 7.5%€149,838above the sector's middle half▲ 154%€195,285above the sector's middle half▲ 30.3%
Equity€194,714within the sector's middle half▼ 17.3%€158,470within the sector's middle half▼ 18.6%€217,422within the sector's middle half▲ 37.2%€169,260within the sector's middle half▼ 22.2%€213,885within the sector's middle half▲ 26.4%
Total assets€213,746within the sector's middle half▼ 20.6%€276,524within the sector's middle half▲ 29.4%€257,361within the sector's middle half▼ 6.9%€373,634within the sector's middle half▲ 45.2%€539,873within the sector's middle half▲ 44.5%
Debt€19,032▼ 43.8%€118,054▲ 520%€39,939▼ 66.2%€204,374▲ 412%€325,988▲ 59.5%
Working capital€188,714above the sector's middle half▼ 16.1%€131,225within the sector's middle half▼ 30.5%€195,171above the sector's middle half▲ 48.7%€140,258within the sector's middle half▼ 28.1%€175,689above the sector's middle half▲ 25.3%
Solvency91.1%above the sector's middle half▲ 3.7pp57.3%within the sector's middle half▼ 33.8pp84.5%above the sector's middle half▲ 27.2pp45.3%within the sector's middle half▼ 39.2pp39.6%within the sector's middle half▼ 5.7pp
Current ratio10.92above the sector's middle half▲ 3.272.11within the sector's middle half▼ 8.805.89above the sector's middle half▲ 3.781.69within the sector's middle half▼ 4.201.54within the sector's middle half▼ 0.15
Return on assets (ROA)22.9%within the sector's middle half▲ 4.2pp23.1%within the sector's middle half▲ 0.2pp22.9%within the sector's middle half▼ 0.1pp40.1%above the sector's middle half▲ 17.2pp36.2%above the sector's middle half▼ 3.9pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €539,873
Fixed assets
€38,197 ▲ 31.7%
Current assets
€501,677 ▲ 45.6%
Equity and liabilities €539,873
Equity
€213,885 ▲ 26.4%
Debt
€325,988 ▲ 59.5%
Debt's share of the balance-sheet total rises from 54.7% to 60.4%. Equity and debt are higher.
Key figures and ratios
ROE
91.3%▲
2024 · 88.5%
Debt ≤ 1 year
€325,988▲
2024 · €204,374
Income taxes
€71,769▲
2024 · €54,033
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,239 | €3,573 | €4,994 | €3,341 | €4,515 | ▲ 35.1% |
| Other operating charges640/8 | €753 | €805 | €1,170 | €317 | €789 | ▲ 149% |
| Gross operating margin9900 | €75,835 | €88,387 | €85,325 | €205,531 | €198,863 | ▼ 3.2% |
| Operating profit (loss)9901 | €66,844 | €84,009 | €79,160 | €201,872 | €193,558 | ▼ 4.1% |
| Financial income75/76B | €1,570 | €3,236 | €2,939 | €2,277 | €73,745 | ▲ 3,138% |
| Recurring financial income75 | €1,570 | €3,236 | €2,939 | €2,277 | €73,745 | ▲ 3,138% |
| Financial charges65/66B | €275 | €231 | €496 | €278 | €249 | ▼ 10.5% |
| Recurring financial charges65 | €275 | €231 | €496 | €278 | €249 | ▼ 10.5% |
| Profit (loss) for the period before taxes9903 | €68,138 | €87,013 | €81,603 | €203,871 | €267,054 | ▲ 31.0% |
| Income taxes67/77 | €19,230 | €23,257 | €22,651 | €54,033 | €71,769 | ▲ 32.8% |
| Profit (loss) for the period9904 | €48,908 | €63,756 | €58,952 | €149,838 | €195,285 | ▲ 30.3% |
| Profit (loss) for the period to be appropriated9905 | €48,908 | €63,756 | €58,952 | €149,838 | €195,285 | ▲ 30.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €213,746 | €276,524 | €257,361 | €373,634 | €539,873 | ▲ 44.5% |
| Fixed assets21/28 | €5,999 | €27,245 | €22,251 | €29,002 | €38,197 | ▲ 31.7% |
| Tangible fixed assets22/27 | €5,999 | €27,245 | €22,251 | €29,002 | €38,197 | ▲ 31.7% |
| Plant, machinery and equipment23 | - | - | - | - | €980 | - |
| Furniture and vehicles24 | €5,999 | €27,245 | €22,251 | €18,909 | €27,124 | ▲ 43.4% |
| Other tangible fixed assets26 | - | - | - | €10,093 | €10,093 | = |
| Current assets29/58 | €207,747 | €249,279 | €235,110 | €344,632 | €501,677 | ▲ 45.6% |
| Amounts receivable within one year40/41 | €45,251 | €71,541 | €25,509 | €92,270 | €70,785 | ▼ 23.3% |
| Trade receivables40 | €37,384 | €22,083 | €23,081 | €89,843 | €70,785 | ▼ 21.2% |
| Other amounts receivable41 | €7,867 | €49,459 | €2,428 | €2,428 | €0 | ▼ 100% |
| Current investments50/53 | €73,165 | €85,875 | €148,214 | €165,718 | €257,224 | ▲ 55.2% |
| Cash at bank and in hand54/58 | €88,704 | €91,237 | €60,721 | €85,952 | €172,937 | ▲ 101% |
| Deferred charges and accrued income490/1 | €627 | €626 | €666 | €692 | €731 | ▲ 5.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €213,746 | €276,524 | €257,361 | €373,634 | €539,873 | ▲ 44.5% |
| Equity10/15 | €194,714 | €158,470 | €217,422 | €169,260 | €213,885 | ▲ 26.4% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €176,114 | €139,870 | €198,822 | €150,660 | €195,285 | ▲ 29.6% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €0 | - | - | - |
| Distributable reserves133 | €174,254 | €138,010 | €198,822 | €150,660 | €195,285 | ▲ 29.6% |
| Profit (loss) carried forward14 | - | - | €0 | €0 | €0 | - |
| Amounts payable17/49 | €19,032 | €118,054 | €39,939 | €204,374 | €325,988 | ▲ 59.5% |
| Amounts payable within one year42/48 | €19,032 | €118,054 | €39,939 | €204,374 | €325,988 | ▲ 59.5% |
| Trade debts44 | €1,979 | €241 | €2,484 | €1,318 | €325 | ▼ 75.3% |
| Suppliers440/4 | €1,979 | €241 | €2,484 | €1,318 | €325 | ▼ 75.3% |
| Taxes, remuneration and social security45 | €17,053 | €17,813 | €11,373 | €26,962 | €44,408 | ▲ 64.7% |
| Taxes450/3 | €17,053 | €17,813 | €11,373 | €26,962 | €44,408 | ▲ 64.7% |
| Other amounts payable47/48 | - | €100,000 | €26,082 | €176,094 | €281,254 | ▲ 59.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €48,908 | €63,756 | €58,952 | €149,838 | €195,285 | ▲ 30.3% |
| + Depreciation and write-downs630 | €8,239 | €3,573 | €4,994 | €3,341 | €4,515 | ▲ 35.1% |
| Operating cash flow (approximation) | €57,147 | €67,329 | €63,946 | €153,180 | €199,801 | ▲ 30.4% |
| Investment in fixed assets (approximation) | - | -€24,819 | €0 | -€10,093 | -€13,710 | ▼ 35.8% |
| Change in cash | - | €2,532 | -€30,516 | €25,231 | €86,985 | ▲ 245% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €195,285 ▲30.3%
Net result €195,285, the highest in the series.
31-12
Financial
Equity above €200,000Eq €213,885 ▲26.4%
8 profitable years in a row build equity to €213,885.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 5.89
Current ratio from 2.11 to 5.89; short-term debt falls from €118,054 to €39,939.
31-12
Financial
Equity above €200,000Eq €217,422 ▲37.2%
6 profitable years in a row build equity to €217,422.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Equity above €200,000Eq €235,306 ▲27.1%
3 profitable years in a row build equity to €235,306.
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
Show earlier events
2019
31-12
Financial
Equity above €150,000Eq €185,084 ▲42.4%
2 profitable years in a row build equity to €185,084.
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 6 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Lummen · 1 establishment unit since 2014
Ground area
1,714 m²
Building footprint
255 m²
Volume, LiDAR
1,114 m³
Parcel 71038B0655/00E000, Flanders · tallest building 6.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SL & K
since 20142.226.792.772
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71038B0655/00E000 | Flanders | 1,714 m² | 1 · 255 m² | 6.5 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 13,551 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded18-12-2013
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0543760818
Also
9925:BE0543760818
Registered
18-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.