SR RETAIL 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 €908k and a net result of €80k. Equity is growing by ~20.5% per year across the filed fiscal years. Its solvency ranks better than 88% of 7980 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. 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 26-04-2026, 96 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
96 d early
2024
23 d late
2023
20 d late
2022
24 d late
2021
24 d late
2020
26 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€908k▲ 9.4%
2024 · €830k
2020: €131k
2021: €291k
2022: €724k
2023: €790k
2024: €830k
2020 → 2025
Net result
€80k▲ 94.2%
2024 · €41k
2020: €127k
2021: €162k
2022: €435k
2023: €68k
2024: €41k
2020 → 2025
Total assets
€1.01M▲ 8.9%
2024 · €929k
2020: €179k
2021: €374k
2022: €874k
2023: €916k
2024: €929k
2020 → 2025
Solvency
89.8%▲ 0.5pp
2024 · 89.3%
2020: 73.0%
2021: 77.9%
2022: 82.9%
2023: 86.3%
2024: 89.3%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€291k-€724k▲ 149%€790k▲ 9.1%€830k▲ 5.0%€908k▲ 9.4%
Operating result€211k-€582k▲ 175%€100k▼ 82.9%€64k▼ 35.4%€124k▲ 92.3%
Net result€162k-€435k▲ 168%€68k▼ 84.5%€41k▼ 38.9%€80k▲ 94.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 92% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.01M
Fixed assets
€803k▲ 0.5%
Current assets
€209k▲ 60.0%
Equity and liabilities €1.01M
Equity
€908k▲ 9.4%
Debt
€103k▲ 4.2%
The debt ratio falls from 10.7% to 10.2%. Equity and debt are higher.
Key figures and ratios
Solvency
89.8%▲
2024 · 89.3%
ROE
8.8%▲
2024 · 5.0%
ROA
7.9%▲
2024 · 4.4%
Debt
€103k▲
2024 · €99k
Debt ≤ 1 year
€62k▲
2024 · €24k
Debt > 1 year
€40k▼
2024 · €75k
Income taxes
€38k▲
2024 · €17k
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€929k€1.01M▲
Fixed assets21/28€799k€803k▲
Tangible fixed assets22/27€6k€11k▲
Furniture and vehicles24€6k€11k▲
Financial fixed assets28€793k€793k=
Current assets29/58€130k€209k▲
Amounts receivable within one year40/41€14k€21k▲
Trade receivables40€14k€21k▲
Cash at bank and in hand54/58€115k€188k▲
Deferred charges and accrued income490/1€914€243▼
Equity and liabilities
Total equity and liabilities10/49€929k€1.01M▲
Equity10/15€830k€908k▲
Contributions10/11€5k€5k=
Reserves13€825k€903k▲
Distributable reserves133€825k€903k▲
Amounts payable17/49€99k€103k▲
Amounts payable after more than one year17€75k€40k▼
Financial debts170/4€75k€40k▼
Amounts payable within one year42/48€24k€62k▲
Trade debts44€4k€6k▲
Suppliers440/4€4k€6k▲
Taxes, remuneration and social security45€14k€51k▲
Taxes450/3€12k€49k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€7k€6k▼
Accrued charges and deferred income492/3€105€998▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€5k€3k▼
Gross operating margin9900€72k€131k▲
Operating profit (loss)9901€64k€124k▲
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€58k€118k▲
Income taxes67/77€17k€38k▲
Profit (loss) for the period9904€41k€80k▲
Profit (loss) for the period to be appropriated9905€41k€80k▲
Appropriation of the result
Profit (loss) to be appropriated9906€41k€80k▲
Transfer to equity691/2€40k€78k▲
To other reserves6921€40k€78k▲
Profit to be distributed694/7€2k€2k=
Return on contributions (dividend)694€2k€2k=
The notes to these accounts (9 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
26-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 23 days late
2024
31-12
Financial
Weakest financial yearnet €41k ▼38.9%
Net result drops to €41k, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Highest result since 2020net €435k ▲168%
Operating result €582k, net result €435k, both a record.
31-12
Financial
Equity above €500kEq €724k ▲149%
3 profitable years in a row build equity to €724k.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Equity above €200kEq €291k ▲123%
2 profitable years in a row build equity to €291k.
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2019
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.
Rik Woutersstraat 62020 AntwerpenGround area
133 m²
Building footprint
73 m²
Volume, LiDAR
425 m³
Parcel 11809I2481/00H000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SR RETAIL
since 20192.294.964.966
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11809I2481/00H000 | Flanders | 133 m² | 1 · 73 m² | 7.8 m · 2 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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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 12,904 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-10-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:stijn@koelbvba.be