SYLMA MANAGEMENT
ActiveSummary
SYLMA MANAGEMENT has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €6k. Equity is shrinking by ~17.2% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 20% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▲+2
Solvency43▲+5
Growth32=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.22 against 1.13 in 2024; short-term debt: 81.8% and cash: 34.1% of total assets), and 81.8% 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 27786 sector peers (2025).
NBB · sector comparisonPosition among 27786 sector peers
Solvency
better than 20%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €22k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
on the day
2022
on the day
2021
2 d early
2020
2 d early
2019
38 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€22k▲ 34.2%
2024 · €17k
2019: €118k
2020: €132k
2021: €164k
2022: €148k
2023: €19k
2024: €17k
2019 → 2025
Total assets
€123k▼ 3.0%
2024 · €127k
2019: €175k
2020: €176k
2021: €205k
2022: €201k
2023: €150k
2024: €127k
2019 → 2025
Net result
€6k
2024 · €-2k
2019: €30k
2020: €14k
2021: €32k
2022: €-16k
2023: €-4k
2024: €-2k
2019 → 2025
Working capital
€22k▲ 62.6%
2024 · €14k
2019: €117k
2020: €132k
2021: €162k
2022: €143k
2023: €15k
2024: €14k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€164k-€148k▼ 9.6%€19k▼ 87.2%€17k▼ 11.8%€22k▲ 34.2%
Operating result€44k-€-15k€-4k▲ 76.3%€-2k▲ 53.9%€7k
Net result€32k-€-16k€-4k▲ 73.4%€-2k▲ 46.7%€6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €7k after a loss of €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €123k
Equity
€22k ▲ 34.2%
Debt
€101k ▼ 8.7%
Debt's share of the balance-sheet total falls from 86.8% to 81.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€10k▲
2024 · €3k
Cash flow
€9k▲
2024 · €2k
Current ratio
1.22▲
2024 · 1.13
Quick ratio
0.96▲
2024 · 0.87
Debt to equity
4.49▼
2024 · 6.59
ROE
25.5%▲
2024 · -13.4%
ROA
4.6%▲
2024 · -1.8%
Interest coverage
5.39▼
2024 · 10.66
Debt ≤ 1 year
€101k▼
2024 · €110k
Income taxes
€300▲
2024 · €294
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 · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€127k€123k▼
Fixed assets21/28€3k-
Tangible fixed assets22/27€3k-
Furniture and vehicles24€3k-
Current assets29/58€124k€123k▼
Stocks and contracts in progress3€28k€26k▼
Stocks30/36€28k€26k▼
Amounts receivable within one year40/41€51k€54k▲
Trade receivables40€51k€54k▲
Other amounts receivable41-€733
Cash at bank and in hand54/58€44k€42k▼
Deferred charges and accrued income490/1€913€893▼
Equity and liabilities
Total equity and liabilities10/49€127k€123k▼
Equity10/15€17k€22k▲
Contributions10/11€19k€19k=
Reserves13€5k€4k▼
Distributable reserves133€5k€4k▼
Profit (loss) carried forward14€-6k-
Amounts payable17/49€110k€101k▼
Amounts payable within one year42/48€110k€101k▼
Current portion of amounts payable after more than one year42€3k-
Trade debts44€153€815▲
Suppliers440/4€153€815▲
Taxes, remuneration and social security45€3k€3k▼
Taxes450/3€3k€3k▼
Other amounts payable47/48€103k€97k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€3k▼
Other operating charges640/8€985€923▼
Gross operating margin9900€4k€11k▲
Operating profit (loss)9901€-2k€7k▲
Financial income75/76B-€511
Recurring financial income75-€511
Financial charges65/66B€283€2k▲
Recurring financial charges65€283€2k▲
Profit (loss) for the period before taxes9903€-2k€6k▲
Income taxes67/77€294€300▲
Profit (loss) for the period9904€-2k€6k▲
Profit (loss) for the period to be appropriated9905€-2k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€-717▲
Profit (loss) brought forward from the previous period14P€-4k€-6k▼
Transfer from equity791/2-€717
The notes to these accounts (4 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €6k
Net result €6k after 3 loss-making years.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €-16k ▼149%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
29-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Highest result since 2019net €32k ▲135%
Operating result €44k, net result €32k, both a record.
30-06
Financial
Equity above €150kEq €164k ▲24.2%
3 profitable years in a row build equity to €164k.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
24-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
01-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Flémalle · 1 establishment unit since 2015
Ground area
397 m²
Building footprint
241 m²
Volume, LiDAR
1,871 m³
Parcel 62037A0548/00N000, Wallonia · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SYLMA MANAGEMENT
since 20152.239.869.956
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62037A0548/00N000 | Wallonia | 396 m² | 1 · 241 m² | 10.7 m · 3 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.
Similar companies · same sector, comparable size
TALRENOVE
BE 0826.684.676
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BAKU CITY
BE 0705.928.188
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QUALITY CONCEPTS
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Beringen · Eq €22,408
Solares
BE 0800.192.590
Deinze · Eq €22,396
MODUL-TRANS
BE 0541.573.962
Villers-le-Bouillet · Eq €22,352
Of 4,097 companies in sector 43240 we hold annual accounts for 1,632. 1,155 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
Founded19-02-2015
Fiscal year end30-06
Activities, NACEBEL 2025
43240Other construction installation
46150Agents in the wholesale of furniture, household goods and hardware
46842Wholesale trade
47120Other non-specialised retail sale
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.