Result
€28,992 €28,992
Back in profit in 2025, after a loss of €455,428 in 2024.
SL PROJECT&INVEST
Lifetime
16 annual accounts with figures on one time axispeak €1.1m (2018)
€447,535▲ €468,544
lowest -€455,428 (2024)
€28,992▲ €484,419
peak €3.8m (2023)
€3.3m▲ 0.9%
€6.1m▲ 3.7%
peak 1 FTE (2020)
-not published
Board2 names since 2021
1 directorLAUWERS Bert
Owners2 names in the annual accounts
58.5%SKAAL
Documentsfilings and deeds
30-07-20261 day before the deadline
2025abbreviated format
Gross margin from -€21,009 to €447,535Back to profit: €28,992
Key points
from the 2025 annual accountsLiquidity
4.73 was 2.95 in 2024
Short-term debts fell from €808,770 to €627,156.
Position in the sector
€3.3m
More equity than 90% of companies in real estate. Sector median €300,024 · 11,302 companies.
Checked score
94
Excellent
Financially stronger than 54% of small companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 6,995 companies (NACE 68, small).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%lowest value
01-2025: 0.1%● unchanged vs 12-2024lowest value
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.2%▲ +0.1 percentage points vs 06-2026highest value
08-2026: 0.1%▼ -0.1 percentage points vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Liquidity: current ratio 4.73, cash €83,114
lowers risk
Size: total assets €9.4m
Figures for financial year 2025 (filed on 30-07-2026)
Founded in 2010
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, small). It does better than 55% of them on solvency, 65% on liquidity, 48% on profitability and 48% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 544 companies had the same profile as SL PROJECT&INVEST has now. Each dot stands for 2 companies, two years later.
93.6%
were still trading
5.9%
stopped another way
0.2%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of SL PROJECT&INVEST itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 544 companies, not a prediction for SL PROJECT&INVEST. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €310,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.73 (2.95 in 2024), above the usual 1.5. Short-term debt is 6.7% and cash 0.9% of total assets. However, 64.5% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 day early
2024
1 day early
2023
13 days early
2022
7 days early
2021
2 days early
2020
5 days early
2019
69 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 6 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0822803092
New director
Bert Lauwers appointed, BV STILAM resigned · Permanent representative: Bert Lauwers · Director discharge: BV STILAM · General meeting of 07-12-2023 · Gazette deed
Capital increase of €13,459.25 to €1,137,059.25
Capital from €1,123,600 to €1,137,059.25, 5,907 new shares · Permanent representative: LAUWERS Bert · General meeting of 31-03-2023 · Gazette deed
Permanent representatives: Stijn Lauwers and Bert Lauwers
Director discharge: Stijn Lauwers · General meeting of 12-07-2022 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SL PROJECT&INVEST Hamont-Achel | €9.4m | €447,535 | 35.5% | - |
| DIMMO PROJECTS Lommel | €8.5m | €368,685 | 13.3% | - |
| JOWARD Keerbergen | €8.9m | €387,839 | 20.2% | - |
| SAPI Aalter | €10.3m | €471,839 | 21.2% | 5 |
| VAUBAN Brussels | €10.5m | €533,067 | 73.2% | - |
| DE WIJNGAARD INVEST Pittem | €10.1m | €626,708 | 43.5% | - |
| Pacific Investments Ghent | €7.7m | €364,070 | 1.0% | 5 |
These companies have the same main activity as SL PROJECT&INVEST: buying and selling of own real estate (NACE 68110). They are comparable in size and age: total assets between €7.7m and €11m, founded between 2009 and 2011.
Official details
Source: KBO- Status
- Active since 26-01-2010Normal situation
- Activity
- Buying and selling of own real estateNACE 68110
- Establishment units
- 2.187.171.5393930 Hamont-Achel, since 26-01-2010
- 2.315.410.3883930 Hamont-Achel, since 02-09-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 20-08-2025
Annual accounts 2025
- ≈ €790,000estimated
- €9.4m▲ 2.7%
- Filing
- Filed on 30-07-2026, 1 day before the end of the filing period
Insights on SL PROJECT&INVEST
SL PROJECT&INVEST files the abbreviated format. That format states no turnover. The gross margin rose from €1,914 in 2010 to €447,535 in 2025.
SKAAL holds 58.5% of the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SL PROJECT&INVEST
- What is the company number of SL PROJECT&INVEST?
- The company number of SL PROJECT&INVEST is 0822.803.092. The VAT number is the same number with BE in front: BE 0822.803.092.
- Where is SL PROJECT&INVEST based?
- The registered office is at Sommisstraat 27, 3930 Hamont-Achel.Company details
- What does SL PROJECT&INVEST do?
- According to the KBO register, the main activity is buying and selling of own real estate (NACE 68110).
- What is the legal form of SL PROJECT&INVEST?
- SL PROJECT&INVEST is a private limited company (pre-2019) (BVBA).
- When was SL PROJECT&INVEST founded?
- SL PROJECT&INVEST was founded on 26-01-2010.
- Is SL PROJECT&INVEST still active?
- Yes, SL PROJECT&INVEST is an active enterprise in the KBO register.
- How many employees does SL PROJECT&INVEST have?
- SL PROJECT&INVEST had an average of 0.6 full-time equivalents in financial year 2022, according to the filed annual accounts.Financials
- What is the turnover of SL PROJECT&INVEST?
- The turnover in financial year 2025 is ≈ €790,000. This figure is estimated from the gross margin of €447,535 and 40 comparable companies (NACE 681). It probably lies between €600,000 and €1.3m.
- Is SL PROJECT&INVEST profitable?
- In financial year 2025, SL PROJECT&INVEST made a profit of €28,992.
- Where can I find the annual accounts of SL PROJECT&INVEST?
- SL PROJECT&INVEST filed 16 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SL PROJECT&INVEST due?
- SL PROJECT&INVEST must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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