SUFI
ActiveSummary
SUFI has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €156k and a net result of €13k. Equity is growing by ~41.2% per year across the filed fiscal years. Its solvency ranks better than 69% of 1854 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability73▼-6
Solvency69▲+5
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity short (current ratio 0.79 against 0.79 in 2023; short-term debt: 36.1% and cash: 21.2% of total assets), and 55.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+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 55
Relative position
BE, all sectors
reference
Sector 55
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 9 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
113 d late
2022
60 d late
2021
60 d late
2020
74 d late
2019
115 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€156k▲ 8.8%
2023 · €144k
2018: €25k
2019: €28k
2020: €46k
2021: €65k
2022: €114k
2023: €144k
2018 → 2024
Total assets
€352k▼ 4.3%
2023 · €368k
2018: €65k
2019: €58k
2020: €159k
2021: €205k
2022: €292k
2023: €368k
2018 → 2024
Net result
€13k▼ 58.2%
2023 · €30k
2018: €21k
2019: €3k
2020: €18k
2021: €18k
2022: €49k
2023: €30k
2018 → 2024
Working capital
€-26k▲ 19.0%
2023 · €-33k
2018: €-6k
2019: €-10k
2020: €-14k
2021: €-45k
2022: €-44k
2023: €-33k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€46k-€65k▲ 39.9%€114k▲ 75.8%€144k▲ 26.6%€156k▲ 8.8%
Operating result€19k-€20k▲ 6.9%€59k▲ 193%€52k▼ 11.7%€23k▼ 55.4%
Net result€18k-€18k▲ 0.7%€49k▲ 166%€30k▼ 38.3%€13k▼ 58.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 55% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €352k
Fixed assets
€252k ▲ 3.6%
Current assets
€101k ▼ 19.5%
Equity and liabilities €352k
Equity
€156k ▲ 8.8%
Debt
€196k ▼ 12.6%
Debt's share of the balance-sheet total falls from 61.0% to 55.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€71k▼
2023 · €91k
Cash flow
€60k▼
2023 · €68k
Current ratio
0.79▼
2023 · 0.79
Quick ratio
0.74▼
2023 · 0.76
Debt to equity
1.25▼
2023 · 1.56
ROE
8.1%▼
2023 · 21.0%
ROA
3.6%▼
2023 · 8.2%
Interest coverage
10.35▲
2023 · 8.12
Debt ≤ 1 year
€127k▼
2023 · €158k
Debt > 1 year
€53k▲
2023 · €48k
Income taxes
€4k▼
2023 · €11k
Staff costs
€33k▲
2023 · €28k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 51 lines
Balance sheet
Code20232024
Assets
Total assets20/58€368k€352k▼
Fixed assets21/28€243k€252k▲
Tangible fixed assets22/27€243k€252k▲
Land and buildings22€172k€137k▼
Plant, machinery and equipment23€34k€35k▲
Furniture and vehicles24€38k€81k▲
Current assets29/58€125k€101k▼
Stocks and contracts in progress3€5k€6k▲
Stocks30/36€5k€6k▲
Amounts receivable within one year40/41€28k€7k▼
Trade receivables40€26k€4k▼
Other amounts receivable41€2k€3k▲
Cash at bank and in hand54/58€82k€75k▼
Deferred charges and accrued income490/1€10k€12k▲
Equity and liabilities
Total equity and liabilities10/49€368k€352k▼
Equity10/15€144k€156k▲
Contributions10/11€6k€6k=
Reserves13€138k€150k▲
Distributable reserves133€138k€150k▲
Amounts payable17/49€224k€196k▼
Amounts payable after more than one year17€48k€53k▲
Financial debts170/4€48k€53k▲
Amounts payable within one year42/48€158k€127k▼
Current portion of amounts payable after more than one year42€6k€9k▲
Financial debts43€24k-
Credit institutions430/8€24k-
Trade debts44€10k€19k▲
Suppliers440/4€10k€19k▲
Taxes, remuneration and social security45€30k€28k▼
Taxes450/3€28k€22k▼
Remuneration and social security454/9€2k€6k▲
Other amounts payable47/48€88k€70k▼
Accrued charges and deferred income492/3€19k€17k▼
Income statement
Code20232024
Non-recurring operating income76A-€222
Remuneration, social security and pensions62€28k€33k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€48k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€4k-
Other operating charges640/8€16k€16k▼
Gross operating margin9900€139k€120k▼
Operating profit (loss)9901€52k€23k▼
Financial income75/76B€47€144▲
Recurring financial income75€47€144▲
Financial charges65/66B€11k€7k▼
Recurring financial charges65€11k€7k▼
Profit (loss) for the period before taxes9903€41k€17k▼
Income taxes67/77€11k€4k▼
Profit (loss) for the period9904€30k€13k▼
Profit (loss) for the period to be appropriated9905€30k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€30k€13k▼
Transfer to equity691/2€30k€13k▼
To other reserves6921€30k€13k▼
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
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Equity above €150kEq €156k ▲8.8%
7 profitable years in a row build equity to €156k.
21-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 113 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Highest result since 2018net €49k ▲166%
Operating result €59k, net result €49k, both a record.
31-12
Financial
Equity above €100kEq €114k ▲75.8%
5 profitable years in a row build equity to €114k.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
13-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 74 days late
2020
23-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 115 days late
2019
31-12
Financial
Weakest financial yearnet €3k ▼85.6%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 17 days late
2017
03-07
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.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Vorselaar · 1 establishment unit since 2015
Ground area
696 m²
Building footprint
244 m²
Volume, LiDAR
1,091 m³
Parcel 13044G0800/00Z000, Flanders · tallest building 9.1 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
SUFI
since 20152.242.716.511
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13044G0800/00Z000 | Flanders | 696 m² | 1 · 244 m² | 9.1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteVorselaar2.242.716.511
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Of 440 companies in sector 55300 we hold annual accounts for 292. 229 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-05-2015
Fiscal year end31-12
Activities, NACEBEL 2025
55300Accommodation
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.