SUBLIM INTERIEUR
ActiveSUBLIM INTERIEUR has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €886k and a net result of €220k. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 62% of 238 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+8
Solvency76▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 2.06 against 2.04 in 2024; short-term debt: 43.6% and cash: 23.3% of total assets), and 49.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 31
Relative position
BE, all sectors
reference
Sector 31
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
50.9%
Return on assets
12.6%
Age of the figures
9 mo
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 · 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
30 d late
2022
31 d late
2021
30 d late
2020
30 d late
2019
49 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€886k▲ 16.1%
2024 · €763k
2018: €479k
2019: €505k
2020: €561k
2021: €646k
2022: €688k
2023: €730k
2024: €763k
2018 → 2025
Total assets
€1.74M▲ 11.1%
2024 · €1.57M
2018: €949k
2019: €1.26M
2020: €1.48M
2021: €1.54M
2022: €1.49M
2023: €1.56M
2024: €1.57M
2018 → 2025
Net result
€220k▲ 104%
2024 · €108k
2018: €33k
2019: €76k
2020: €97k
2021: €127k
2022: €42k
2023: €60k
2024: €108k
2018 → 2025
Working capital
€807k▲ 12.1%
2024 · €720k
2018: €464k
2019: €457k
2020: €481k
2021: €562k
2022: €645k
2023: €693k
2024: €720k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€646k-€688k▲ 6.6%€730k▲ 6.1%€763k▲ 4.4%€886k▲ 16.1%
Operating result€194k-€73k▼ 62.5%€98k▲ 34.1%€171k▲ 75.2%€333k▲ 94.9%
Net result€127k-€42k▼ 66.6%€60k▲ 42.3%€108k▲ 79.5%€220k▲ 104%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 95% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.74M
Fixed assets
€175k▲ 14.2%
Current assets
€1.57M▲ 10.8%
Equity and liabilities €1.74M
Equity
€886k▲ 16.1%
Debt
€855k▲ 6.4%
The debt ratio falls from 51.3% to 49.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€369k▲
2024 · €211k
Cash flow
€256k▲
2024 · €148k
Solvency
50.9%▲
2024 · 48.7%
Current ratio
2.06▲
2024 · 2.04
Quick ratio
1.11▲
2024 · 1.03
Debt / equity
0.97▼
2024 · 1.05
ROE
24.9%▲
2024 · 14.2%
ROA
12.6%▲
2024 · 6.9%
Interest coverage
11.77▲
2024 · 6.60
Debt
€855k▲
2024 · €804k
Debt ≤ 1 year
€758k▲
2024 · €693k
Debt > 1 year
€57k▼
2024 · €78k
Income taxes
€102k▲
2024 · €49k
Staff costs
€206k▼
2024 · €209k
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€1.57M€1.74M▲
Fixed assets21/28€154k€175k▲
Tangible fixed assets22/27€154k€175k▲
Land and buildings22€40k€37k▼
Plant, machinery and equipment23€86k€107k▲
Furniture and vehicles24€27k€31k▲
Current assets29/58€1.41M€1.57M▲
Stocks and contracts in progress3€702k€726k▲
Stocks30/36€702k€726k▲
Amounts receivable within one year40/41€177k€147k▼
Trade receivables40€169k€146k▼
Other amounts receivable41€7k€990▼
Current investments50/53€277k€283k▲
Cash at bank and in hand54/58€220k€406k▲
Deferred charges and accrued income490/1€37k€4k▼
Equity and liabilities
Total equity and liabilities10/49€1.57M€1.74M▲
Equity10/15€763k€886k▲
Contributions10/11€20k€20k=
Reserves13€743k€866k▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Tax-exempt reserves132€93€93=
Distributable reserves133€741k€866k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€804k€855k▲
Amounts payable after more than one year17€78k€57k▼
Financial debts170/4€78k€57k▼
Amounts payable within one year42/48€693k€758k▲
Current portion of amounts payable after more than one year42€25k€21k▼
Trade debts44€98k€145k▲
Suppliers440/4€98k€145k▲
Advances received on contracts in progress46€173k€70k▼
Taxes, remuneration and social security45€87k€158k▲
Taxes450/3€14k€85k▲
Remuneration and social security454/9€73k€72k▼
Other amounts payable47/48€310k€365k▲
Accrued charges and deferred income492/3€32k€40k▲
Income statement
Code20242025
Remuneration, social security and pensions62€209k€206k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€36k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€297€1k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€422k€578k▲
Operating profit (loss)9901€171k€333k▲
Financial income75/76B€18k€20k▲
Recurring financial income75€18k€20k▲
Financial charges65/66B€32k€31k▼
Recurring financial charges65€32k€31k▼
Profit (loss) for the period before taxes9903€157k€322k▲
Income taxes67/77€49k€102k▲
Profit (loss) for the period9904€108k€220k▲
Profit (loss) for the period to be appropriated9905€108k€220k▲
Appropriation of the result
Profit (loss) to be appropriated9906€108k€220k▲
Transfer from equity791/2€76k€97k▲
Transfer to equity691/2€108k€220k▲
To other reserves6921€108k€220k▲
Profit to be distributed694/7€76k€97k▲
Return on contributions (dividend)694€76k€97k▲
Social balance
Average headcount (FTE)90873.23.1▼
The notes to these accounts (17 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 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €220k ▲104%
Operating result €333k, net result €220k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 49 days late
2019
31-12
Financial
Equity above €500kEq €505k ▲5.5%
2 profitable years in a row build equity to €505k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 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, Lokeren · 1 establishment unit since 2006
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.
Kerkstraat 279160 LokerenGround area
514 m²
Building footprint
518 m²
Volume, LiDAR
3,771 m³
Parcel 46384E0529/00M000, Flanders · tallest building 12.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Sublim Interieur
since 20062.158.485.174
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46384E0529/00M000 | Flanders | 514 m² | 1 · 518 m² | 12.0 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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STARK
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INTERIEURSPUITERIJ M. JANSEN
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LOBELLE DESIGN
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Of 1,499 companies in sector 31004 we hold annual accounts for 620. 382 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-12-2006
Fiscal year end31-12
Activities, NACEBEL
31004Manufacture of dining room, living room, bedroom and bathroom furniture
36111
47551Retail sale of household furniture
47591Retail trade
52441
36141
47552Retail sale of lighting equipment
47592Retail trade
52442
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.