Financials
- Fiscal year
- 2025
- Total assets
- €2.9m
- Profit
- €62,804
- Solvency
- 14.1%
Total assets▲ 94.8%
Net result
20192025
SYBO
ActiveSummary
SYBO has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €405,280 and a net result of €62,804. Equity is growing by ~15.1% per year across the filed fiscal years. Its solvency ranks better than 15% of 8593 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Overview
Activity
Other building finishing work
NACE 43350General construction of residential buildings NACE 41001General construction of buildings NACE 41201
1 site
Size
€2.9mtotal assets 2025
- Staff
- 5.9 FTE
- Equity
- €405,280
- Profit
- €62,804
Turnover not published (abridged schema)
Structure
Accounts filed 31 d late0 of 3 deeds read
Why 63- Latest accounts 31 days late; 2 of the last 3 late- Equity €405,280 (14.1% of total assets)+ Figures for FY 2025 (filed 31-08-2026)+ Liquidity: current ratio 1.16, cash €394,426Show the evidence
Checked score
Score 2025
63
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 34% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
39-9
equity 14.1% of total assets
Liquidity
20-9
short-term debt 85.9% · cash 13.7%
Profitability
71-3
return on assets 2.2%
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 8 months
03-2026: 1.1%lowest value
04-2026: 1.1%▲ +0.8% vs 03-2026
05-2026: 1.1%▼ -0.4% vs 04-2026
06-2026: 1.1%▲ +6.3% vs 05-2026
07-2026: 1.5%▲ +27.8% vs 06-2026
08-2026: 2.0%▲ +39.8% vs 07-2026highest value
09-2026: 1.5%▼ -28.4% vs 08-2026
10-2026: 1.5%● 0.0% vs 09-2026
- Figures for FY 2025 (filed 31-08-2026) lowers the probability
- Latest accounts 31 days late; 2 of the last 3 late raises the probability
- Equity €405,280 (14.1% of total assets) raises the probability
- Liquidity: current ratio 1.16, cash €394,426 lowers the probability
Credit up to €25,000 at 30 days acceptable
Liquidity tight (current ratio 1.16 against 1.3 in 2024; short-term debt: 85.9% and cash: 13.7% of total assets), and 85.9% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 17%, liquidity 11%, profitability 41%, growth against the median 66%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 8593 sector peers (2025).
NBB · sector comparisonPosition among 8593 sector peers
Solvency
better than 15%
← weakest
strongest →
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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
40 d late
2023
22 d late
2022
31 d late
2021
30 d late
2020
12 d late
2019
39 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 29 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 31 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Annual accounts filedfiscal year 2024 · abbreviated…
- Annual accounts filedfiscal year 2023 · abbreviated…
Key points
By topic
Timeline
- Events
- 9
- Since
- 2020
- Next accounts
- by 31-07-2027
- 31-08-2026Annual accounts filed
- 09-09-2025Annual accounts filed
- 22-08-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Other building finishing workNACE 43350
- Founded
- 13-06-2018
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
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