SR&M's
ActiveSR&M's has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €97k and a net result of €51k. Equity is growing by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 52% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+21
Solvency74▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.93 against 1.88 in 2024; short-term debt: 51.4% and cash: 69.5% of total assets), but 51.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 20-10-2025, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
2 d early
2023
4 d early
2022
6 d early
2021
5 d early
2020
30 d late
2019
38 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close22-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€97k▲ 14.9%
2024 · €84k
2019: €57k
2020: €95k
2021: €80k
2022: €85k
2023: €105k
2024: €84k
2019 → 2025
Total assets
€199k▲ 12.2%
2024 · €177k
2019: €111k
2020: €152k
2021: €123k
2022: €138k
2023: €157k
2024: €177k
2019 → 2025
Net result
€51k▲ 233%
2024 · €15k
2019: €2k
2020: €38k
2021: €-16k
2022: €5k
2023: €21k
2024: €15k
2019 → 2025
Working capital
€96k▲ 16.1%
2024 · €82k
2019: €54k
2020: €95k
2021: €80k
2022: €82k
2023: €103k
2024: €82k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€80k-€85k▲ 6.2%€105k▲ 24.4%€84k▼ 20.1%€97k▲ 14.9%
Operating result€-15k-€5k€26k▲ 462%€28k▲ 6.0%€79k▲ 182%
Net result€-16k-€5k€21k▲ 317%€15k▼ 26.0%€51k▲ 233%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 182% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €199k
Fixed assets
€1k▼ 38.9%
Current assets
€198k▲ 12.7%
Equity and liabilities €199k
Equity
€97k▲ 14.9%
Debt
€102k▲ 9.8%
The debt ratio falls from 52.6% to 51.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€79k▲
2024 · €29k
Cash flow
€51k▲
2024 · €16k
Solvency
48.6%▲
2024 · 47.4%
Current ratio
1.93▲
2024 · 1.88
Quick ratio
1.93▲
2024 · 1.88
Debt / equity
1.06▼
2024 · 1.11
ROE
52.5%▲
2024 · 18.1%
ROA
25.5%▲
2024 · 8.6%
Interest coverage
55.58▲
2024 · 35.08
Debt
€102k▲
2024 · €93k
Debt ≤ 1 year
€102k▲
2024 · €93k
Income taxes
€27k▲
2024 · €12k
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€177k€199k▲
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Plant, machinery and equipment23€2k€1k▼
Financial fixed assets28€25€25=
Current assets29/58€176k€198k▲
Amounts receivable within one year40/41€42k€58k▲
Trade receivables40€40k€45k▲
Other amounts receivable41€2k€13k▲
Cash at bank and in hand54/58€132k€138k▲
Deferred charges and accrued income490/1€861€1k▲
Equity and liabilities
Total equity and liabilities10/49€177k€199k▲
Equity10/15€84k€97k▲
Contributions10/11€6k€6k=
Reserves13€78k€90k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€78k€90k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€93k€102k▲
Amounts payable within one year42/48€93k€102k▲
Trade debts44€52k€35k▼
Suppliers440/4€52k€35k▼
Taxes, remuneration and social security45€5k€31k▲
Taxes450/3€5k€29k▲
Remuneration and social security454/9€0€2k▲
Other amounts payable47/48€36k€36k▼
Accrued charges and deferred income492/3-€30
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€674€674=
Other operating charges640/8€917€883▼
Gross operating margin9900€30k€80k▲
Operating profit (loss)9901€28k€79k▲
Financial income75/76B€76€341▲
Recurring financial income75€76€341▲
Financial charges65/66B€815€1k▲
Recurring financial charges65€815€1k▲
Profit (loss) for the period before taxes9903€27k€78k▲
Income taxes67/77€12k€27k▲
Profit (loss) for the period9904€15k€51k▲
Profit (loss) for the period to be appropriated9905€15k€51k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€51k▲
Transfer from equity791/2€36k€38k▲
Transfer to equity691/2€15k€51k▲
To other reserves6921€15k€51k▲
Profit to be distributed694/7€36k€38k▲
Return on contributions (dividend)694€36k€38k▲
The notes to these accounts (7 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
2025
20-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €51k ▲233%
Operating result €79k, net result €51k, both a record.
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Equity above €100kEq €105k ▲24.4%
2 profitable years in a row build equity to €105k.
2022
25-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Weakest financial yearnet €-16k ▼141%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2019
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
25-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
21-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
20-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Lanaken · 1 establishment unit since 2013
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.
Molenstraat 113620 LanakenGround area
811 m²
Building footprint
115 m²
Volume, LiDAR
534 m³
Parcel 73042D0056/00R002, Flanders · tallest building 8.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SR&M's
since 20132.217.599.053
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73042D0056/00R002 | Flanders | 810 m² | 1 · 115 m² | 8.6 m · 1 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.
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DAKWERKEN STEVE
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Of 8,563 companies in sector 43410 we hold annual accounts for 4,355. 3,800 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-02-2013
Fiscal year end31-03
Activities, NACEBEL
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.srms-bvba.be
E-mail:srms.bvba@hotmail.com