Sylvabel
ActiveSylvabel has been active since 1969 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €978k and a net result of €49k. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 272 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▲+8
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80k at 30 days acceptable
Liquidity ample (current ratio 22.21 against 85.71 in 2024; short-term debt: 2.9% and cash: 30.8% of total assets), and 2.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
97.1%
Return on assets
4.8%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 16
Relative position
BE, all sectors
reference
Sector 16
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 05-07-2026, 26 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
26 d early
2024
13 d early
2023
9 d late
2022
1 d early
2021
11 d late
2020
9 d early
2019
9 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€978k▲ 4.1%
2024 · €939k
2018: €796k
2019: €794k
2020: €836k
2021: €843k
2022: €882k
2023: €925k
2024: €939k
2018 → 2025
Total assets
€1.01M▲ 6.4%
2024 · €946k
2018: €802k
2019: €798k
2020: €863k
2021: €880k
2022: €918k
2023: €959k
2024: €946k
2018 → 2025
Net result
€49k▲ 163%
2024 · €19k
2018: €3k
2019: €-2k
2020: €52k
2021: €32k
2022: €63k
2023: €62k
2024: €19k
2018 → 2025
Working capital
€615k▲ 6.7%
2024 · €576k
2018: €432k
2019: €430k
2020: €472k
2021: €480k
2022: €519k
2023: €562k
2024: €576k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€843k-€882k▲ 4.6%€925k▲ 4.9%€939k▲ 1.5%€978k▲ 4.1%
Operating result€41k-€89k▲ 118%€79k▼ 11.6%€19k▼ 75.7%€64k▲ 233%
Net result€32k-€63k▲ 97.9%€62k▼ 1.3%€19k▼ 70.1%€49k▲ 163%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 233% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.01M
Fixed assets
€363k=
Current assets
€644k▲ 10.4%
Equity and liabilities €1.01M
Equity
€978k▲ 4.1%
Debt
€29k▲ 326%
The debt ratio rises from 0.7% to 2.9%. Equity and debt are higher.
Key figures and ratios
Solvency
97.1%▼
2024 · 99.3%
Current ratio
22.21▼
2024 · 85.71
Quick ratio
22.21▼
2024 · 85.71
Debt / equity
0.03▲
2024 · 0.01
ROE
5.0%▲
2024 · 2.0%
ROA
4.8%▲
2024 · 2.0%
Debt
€29k▲
2024 · €7k
Debt ≤ 1 year
€29k▲
2024 · €7k
Income taxes
€18k▲
2024 · €6k
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€946k€1.01M▲
Fixed assets21/28€363k€363k=
Tangible fixed assets22/27€363k€363k=
Land and buildings22€363k€363k=
Current assets29/58€583k€644k▲
Amounts receivable within one year40/41€252k€252k▲
Trade receivables40-€10k
Other amounts receivable41€252k€242k▼
Current investments50/53€86k€81k▼
Cash at bank and in hand54/58€245k€310k▲
Equity and liabilities
Total equity and liabilities10/49€946k€1.01M▲
Equity10/15€939k€978k▲
Contributions10/11€595k€595k=
Capital10€595k€595k=
Issued capital100€595k€595k=
Reserves13€79k€79k=
Non-distributable reserves130/1€59k€59k=
Legal reserve130€59k€59k=
Distributable reserves133€20k€20k=
Profit (loss) carried forward14€265k€303k▲
Amounts payable17/49€7k€29k▲
Amounts payable within one year42/48€7k€29k▲
Taxes, remuneration and social security45-€16k
Taxes450/3-€16k
Other amounts payable47/48€7k€13k▲
Income statement
Code20242025
Other operating charges640/8€5k€7k▲
Gross operating margin9900€24k€71k▲
Operating profit (loss)9901€19k€64k▲
Financial income75/76B€6k€5k▼
Recurring financial income75€6k€5k▼
Financial charges65/66B€249€3k▲
Recurring financial charges65€249€3k▲
Profit (loss) for the period before taxes9903€25k€66k▲
Income taxes67/77€6k€18k▲
Profit (loss) for the period9904€19k€49k▲
Profit (loss) for the period to be appropriated9905€19k€49k▲
Appropriation of the result
Profit (loss) to be appropriated9906€269k€313k▲
Profit (loss) brought forward from the previous period14P€251k€265k▲
Profit to be distributed694/7€4k€10k▲
Return on contributions (dividend)694€4k€10k▲
The notes to these accounts (2 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
05-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 5current ratio 85.71
Current ratio from 17.55 to 85.71; short-term debt falls from €34k to €7k.
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 9 days late
2023
30-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €63k ▲97.9%
Operating result €89k, net result €63k, both a record.
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 11 days late
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €52k
Net result €52k after one loss-making year.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-2k ▼157%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Courcelles · 1 establishment unit since 1969
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.
Place Albert Ier(TR) 326183 CourcellesGround area
1.8 ha
Building footprint
409 m²
Volume, LiDAR
3,032 m³
2 parcels, Wallonia · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SYLVABEL
since 19692.002.496.407
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52066B0915/00M002 | Wallonia | 1.8 ha | 1 · 321 m² | 9.0 m · 3 fl. |
| 52066B0716/00M000indicative | Wallonia | 180 m² | 1 · 88 m² | 11.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels 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
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BE 0444.140.432
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REMI RYCKEBOER
BE 0417.741.386
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EDE Consulting
BE 0881.137.013
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DALTECNIC
BE 0474.642.279
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VANEECKHOUTE
BE 0436.327.576
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Of 664 companies in sector 16110 we hold annual accounts for 320. 209 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded17-04-1969
Fiscal year end31-12
Activities, NACEBEL
16110Sawmilling and planing of wood
Sources
Crossroads Bank for EnterprisesNational Bank · 49 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.