SYLOU
ActiveThe computed 12-month bankruptcy probability of SYLOU is 1.8% (moderate). The 2025 annual accounts show equity of €87k and a net result of €38k. Equity is growing by ~61.9% per year across the filed fiscal years. Its solvency ranks better than 44% of 18173 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
68
/ 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
Profitability83▲+5
Solvency52▲+11
Growth78=
Track record94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.65 against 0.94 in 2024; short-term debt: 19.6% and cash: 21.3% of total assets), but 73.4% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
26.6%
Return on assets
11.7%
Age of the figures
9 mo
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 08-05-2026, 84 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
84 d early
2024
132 d early
2023
364 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, micro schema
Equity
€87k▲ 78.4%
2024 · €49k
2023: €27k
2024: €49k
2023 → 2025
Total assets
€328k▲ 5.3%
2024 · €311k
2023: €259k
2024: €311k
2023 → 2025
Net result
€38k▲ 72.8%
2024 · €22k
2023: €-33k
2024: €22k
2023 → 2025
Working capital
€42k
2024 · €-5k
2023: €-25k
2024: €-5k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€27k-€49k▲ 83.1%€87k▲ 78.4%
Operating result€-25k-€28k€55k▲ 97.9%
Net result€-33k-€22k€38k▲ 72.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 98% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €328k
Fixed assets
€222k▼ 7.6%
Current assets
€106k▲ 48.4%
Equity and liabilities €328k
Equity
€87k▲ 78.4%
Debt
€240k▼ 8.4%
The debt ratio falls from 84.3% to 73.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€75k▲
2024 · €47k
Cash flow
€58k▲
2024 · €41k
Solvency
26.6%▲
2024 · 15.7%
Current ratio
1.65▲
2024 · 0.94
Quick ratio
1.16▲
2024 · 0.50
Debt / equity
2.75▼
2024 · 5.36
ROE
44.0%▼
2024 · 45.4%
ROA
11.7%▲
2024 · 7.1%
Interest coverage
8.30▲
2024 · 7.42
Debt
€240k▼
2024 · €262k
Debt ≤ 1 year
€64k▼
2024 · €76k
Debt > 1 year
€176k▼
2024 · €186k
Income taxes
€9k▲
2024 · €166
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€311k€328k▲
Fixed assets21/28€240k€222k▼
Tangible fixed assets22/27€240k€221k▼
Land and buildings22€193k€181k▼
Plant, machinery and equipment23€15k€13k▼
Furniture and vehicles24€33k€28k▼
Financial fixed assets28€95€95=
Current assets29/58€72k€106k▲
Stocks and contracts in progress3€34k€32k▼
Stocks30/36€34k€32k▼
Amounts receivable within one year40/41€2k€2k▼
Trade receivables40€2k€749▼
Other amounts receivable41€0€780▲
Cash at bank and in hand54/58€33k€70k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€311k€328k▲
Equity10/15€49k€87k▲
Contributions10/11€60k€60k=
Profit (loss) carried forward14€-11k€27k▲
Amounts payable17/49€262k€240k▼
Amounts payable after more than one year17€186k€176k▼
Financial debts170/4€186k€176k▼
Amounts payable within one year42/48€76k€64k▼
Current portion of amounts payable after more than one year42€10k€10k▲
Trade debts44€0€374▲
Suppliers440/4€0€374▲
Taxes, remuneration and social security45€10k€10k▲
Taxes450/3€10k€10k▲
Other amounts payable47/48€56k€43k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€19k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€48k€76k▲
Operating profit (loss)9901€28k€55k▲
Financial income75/76B€733€1k▲
Recurring financial income75€733€1k▲
Financial charges65/66B€6k€9k▲
Recurring financial charges65€6k€9k▲
Profit (loss) for the period before taxes9903€22k€48k▲
Income taxes67/77€166€9k▲
Profit (loss) for the period9904€22k€38k▲
Profit (loss) for the period to be appropriated9905€22k€38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€27k▲
Profit (loss) brought forward from the previous period14P€-33k€-11k▲
The notes to these accounts (12 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
08-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €38k ▲72.8%
Operating result €55k, net result €38k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 364 days late
21-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Gavere · 1 establishment unit since 2024
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.
Markt 109890 GavereGround area
752 m²
Building footprint
137 m²
Volume, LiDAR
942 m³
Parcel 44020A0215/00K000, Flanders · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Sylou bv
since 20242.337.245.385
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44020A0215/00K000indicative | Flanders | 752 m² | 1 · 137 m² | 10.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 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
CLOTHES COMPANY
BE 0440.344.267
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LUCID COLLECTIVE
BE 1011.105.729
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TRADI
BE 0803.505.537
Halle · Eq €87k
RADICAL AVENUE
BE 0882.347.731
Liège · Eq €88k
VICTEX
BE 0800.106.775
Oud-Turnhout · Eq €88k
Of 6,501 companies in sector 47716 we hold annual accounts for 2,438. 1,909 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-08-2022
Fiscal year end31-12
Activities, NACEBEL
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:sylougavere@gmail.com
Phone:0473663558