SVDB
ActiveSVDB has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €217k and a net result of €-9k. Equity is growing by ~33.4% per year across the filed fiscal years. Its solvency ranks better than 58% of 27386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
22
/ 100
Critical▼ -34 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-23
Solvency63▼-6
Growth52=
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.48 against 0.73 in 2024), and 45.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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 08-06-2026, 53 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
53 d early
2024
9 d early
2023
71 d early
2022
147 d early
2021
54 d early
2020
45 d early
2019
28 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€217k▼ 4.1%
2024 · €227k
2018: €41k
2019: €53k
2020: €76k
2021: €102k
2022: €166k
2023: €216k
2024: €227k
2018 → 2025
Total assets
€402k▲ 0.5%
2024 · €400k
2018: €74k
2019: €88k
2020: €130k
2021: €171k
2022: €280k
2023: €399k
2024: €400k
2018 → 2025
Net result
€-9k
2024 · €11k
2018: €22k
2019: €22k
2020: €23k
2021: €26k
2022: €64k
2023: €50k
2024: €11k
2018 → 2025
Working capital
€-91k▼ 106%
2024 · €-44k
2018: €38k
2019: €53k
2020: €75k
2021: €96k
2022: €163k
2023: €80k
2024: €-44k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€102k-€166k▲ 62.7%€216k▲ 30.0%€227k▲ 4.9%€217k▼ 4.1%
Operating result€38k-€97k▲ 157%€79k▼ 18.3%€27k▼ 66.5%€2k▼ 91.1%
Net result€26k-€64k▲ 148%€50k▼ 22.3%€11k▼ 78.8%€-9k
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 three years in a row; 2025 is 91% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €402k
Fixed assets
€319k▲ 12.8%
Current assets
€82k▼ 29.6%
Equity and liabilities €402k
Equity
€217k▼ 4.1%
Debt
€184k▲ 6.4%
The debt ratio rises from 43.3% to 45.8%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€5k▼
2024 · €29k
Cash flow
€-6k▼
2024 · €13k
Solvency
54.2%▼
2024 · 56.7%
Current ratio
0.48▼
2024 · 0.73
Quick ratio
0.48▼
2024 · 0.73
Debt / equity
0.85▲
2024 · 0.76
ROE
-4.2%▼
2024 · 4.7%
ROA
-2.3%▼
2024 · 2.6%
Interest coverage
0.44▼
2024 · 2.31
Debt
€184k▲
2024 · €173k
Debt ≤ 1 year
€173k▲
2024 · €161k
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€400k€402k▲
Fixed assets21/28€283k€319k▲
Tangible fixed assets22/27€283k€319k▲
Land and buildings22€140k€140k=
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€3k€7k▲
Assets under construction and advance payments27€136k€169k▲
Current assets29/58€117k€82k▼
Amounts receivable within one year40/41€13k€14k▲
Trade receivables40€7k€4k▼
Other amounts receivable41€5k€10k▲
Cash at bank and in hand54/58€98k€68k▼
Deferred charges and accrued income490/1€6k€716▼
Equity and liabilities
Total equity and liabilities10/49€400k€402k▲
Equity10/15€227k€217k▼
Contributions10/11€19k€19k=
Reserves13€208k€208k=
Distributable reserves133€208k€208k=
Profit (loss) carried forward14-€-9k
Amounts payable17/49€173k€184k▲
Amounts payable within one year42/48€161k€173k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€31-
Taxes450/3€31-
Other amounts payable47/48€158k€168k▲
Accrued charges and deferred income492/3€12k€11k▼
Income statement
Code20242025
Non-recurring operating income76A-€661
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€17k€2k▼
Non-recurring operating charges66A-€545
Gross operating margin9900€46k€8k▼
Operating profit (loss)9901€27k€2k▼
Financial income75/76B€670€353▼
Recurring financial income75€670€353▼
Financial charges65/66B€13k€12k▼
Recurring financial charges65€13k€12k▼
Profit (loss) for the period before taxes9903€15k€-9k▼
Income taxes67/77€4k-
Profit (loss) for the period9904€11k€-9k▼
Profit (loss) for the period to be appropriated9905€11k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€-9k▼
Transfer to equity691/2€11k-
To other reserves6921€11k-
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
2026
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-9k ▼187%
Net result drops to €-9k, the lowest in the series.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €216k ▲30%
6 profitable years in a row build equity to €216k.
06-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €64k ▲148%
Operating result €97k, net result €64k, both a record.
31-12
Financial
Equity above €150kEq €166k ▲62.7%
5 profitable years in a row build equity to €166k.
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €102k ▲33.8%
4 profitable years in a row build equity to €102k.
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
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, Zoersel · 1 establishment unit since 2017
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 252980 ZoerselGround area
165 m²
Building footprint
158 m²
Volume, LiDAR
693 m³
Parcel 11055C0070/00L000, Flanders · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SVDB
since 20172.262.033.763
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11055C0070/00L000 | Flanders | 165 m² | 1 · 158 m² | 6.8 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 62 EUR awarded · 103 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 62 EUR |
| 2023 | 1 | 62 EUR | 41 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 3,934 companies in sector 43331 we hold annual accounts for 1,776. 1,389 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-03-2017
Fiscal year end31-12
Activities, NACEBEL
43331Floor and wall tiling
43110Demolition
43120Site preparation
43230Insulation installation
43291Specialised construction activities
43910Bricklaying and masonry work
43990Other specialised construction activities
43994Specialised construction activities
43995Specialised construction activities
47521Retail sale of hardware, building materials, paint and glass (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.