Sym Development
ActiveSummary
Sym Development is less than twelve months old; there is no public track record yet to compute a bankruptcy probability from. The 2025 annual accounts show negative equity (-€9,933) and a net result of -€12,933. Its solvency ranks better than 5% of 9,288 sector peers (NACE 41, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
General construction of residential buildings
NACE 41001
1 site
Size
€20,347total assets 2025
- Equity
- -€9,933
- Loss
- -€12,933
Turnover not published (micro format)
Structure
- Cools YvesDirector
- Cools, StigDirector
- STM ProjectsDirector · permanent representative Stymans, Michael Augustinus Theresia
Accounts on time
Signalsraises riskNegative equityYoung companyneutralLatest accounts filed on timeShow the evidence
Checked score
Score 2025
16
/ 100
Critical
Without a bankruptcy probability: score from the figures alone
Financial strength
Weak
Solvency
0
equity -48.8% of total assets
Liquidity
47
short-term debt 148.8% · cash 38.0%
Profitability
0
return on assets -63.6%
Bankruptcy probability, 12 months
This company is younger than 12 months. There is no public track record yet to base a reliable estimate on, so we'd rather not show a number.
No credit on open account
Liquidity insufficient (current ratio 0.67, below 1; short-term debt: 148.8% and cash: 38% of total assets), and equity is negative.
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Three signals.
raises riskneutral
raises risk · Young company
Founded in 2025, less than a year ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
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 31-07-2026, 0 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
on the day
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
- IncorporationAppointments: STM Projects, Cools, Yves…
Financials · financial year 2025, micro format
Equity
-€9,933
Total assets
€20,347
Net result
-€12,933
Working capital
-€9,933
Turnover and EBIT margin not published: the micro format does not require them.
Key figures and ratios
Solvency
-48.8%
Current ratio
0.67
ROA
-63.6%
Debt
€30,281
Debt ≤ 1 year
€30,281
No debt to equity: equity is negative, so debt divided by equity means nothing.
Annual accounts
| Line | 2025 |
|---|---|
| Gross operating margin9900 | -€12,932 |
| Operating profit (loss)9901 | -€12,932 |
| Financial charges65/66B | €1 |
| Recurring financial charges65 | €1 |
| Profit (loss) for the period before taxes9903 | -€12,933 |
| Profit (loss) for the period9904 | -€12,933 |
| Profit (loss) for the period to be appropriated9905 | -€12,933 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €20,347 | |
| Current assets29/58 | €20,347 | |
| Amounts receivable within one year40/41 | €12,623 | |
| Trade receivables40 | €10,000 | |
| Other amounts receivable41 | €2,623 | |
| Cash at bank and in hand54/58 | €7,724 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €20,347 | |
| Equity10/15 | -€9,933 | |
| Contributions10/11 | €3,000 | |
| Profit (loss) carried forward14 | -€12,933 | |
| Amounts payable17/49 | €30,281 | |
| Amounts payable within one year42/48 | €30,281 | |
| Trade debts44 | €281 | |
| Suppliers440/4 | €281 | |
| Other amounts payable47/48 | €30,000 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | -€12,933 |
| Operating cash flow (approximation) | -€12,933 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 31-07-2026 | 2026-00366260 |
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of the 29,213 active companies whose main activity is general construction of residential buildings (NACE 41001), figures are known for 16,159. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
under verification, no change since 2025
This board is reconstructed from a single act (25369113). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Board 3
Cools Yves
CurrentDirector (not named in the articles) · since 06-11-2025
Cools, Stig
CurrentDirector (not named in the articles) · since 06-11-2025
STM Projects
CurrentDirector (not named in the articles) · since 06-11-2025 · Private limited company · permanent representative: Stymans, Michael Augustinus Theresia
Permanent representatives 1
Stymans, Michael Augustinus Theresia
CurrentPermanent representative · since 06-11-2025 · for STM Projects
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ.
See the directors and other office holders in the KBO →
Mandate history
3 people since 2025, 3 in office
- Board
| Name | Functions and periods |
|---|---|
| Cools Yves |
|
| Cools, Stig |
|
| STM Projects |
|
Owners and capital
Capital and shareholders
Shareholders according to the deeds
At incorporation
act of 12-11-2025 ↗
- Stymans, Michael Augustinus Theresia founder
- Cools, Yves founder
- Cools, Stig founder
- Sym Development €3,000 in cash
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
Group and network
Connections & network
3 connected companiesThis company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Linked via shared directors
BEDRIJVENCENTRUM REGIO OOSTENDE
via Cools Yves · Director
former→
former→
Lavu
Shared corporate director
→
History
Acts, filings and financial milestones
2026
31-07
NBB filing
Annual accounts filed
financial year 2025 · micro format
2025
12-11
Gazette deed
IncorporationAppointments: STM Projects, Cools, Yves and Cools, Stig · Permanent representative: Stymans, Michael Augustinus Theresia · Founder14 facts ▸
Gazette deed
Incorporation
Appointments: STM Projects, Cools, Yves and Cools, Stig · Permanent representative: Stymans, Michael Augustinus Theresia · Founder14 facts ▸
- Incorporation, 06-11-2025
- Founder, Stymans, Michael Augustinus Theresia
- Founder, Cools, Yves
- Founder, Cools, Stig
- Capital contribution, €3,000
- Registered office clause, “2275 Gierle, Kloosterstraat 100 B2” (deed in Dutch)
- Board rule, 3
- Director appointment, STM Projects (director (not named in the articles))
- Permanent representative, Stymans, Michael Augustinus Theresia
- Director appointment, Cools, Yves (director (not named in the articles))
- Director appointment, Cools, Stig (director (not named in the articles))
- Board rule, “director compensation decision, artikel 14.5 van de statuten” (deed in Dutch)
- +2 further facts in this act
Gazette deedNBB filing
1 of 1 deed read
Register details
Identification
Legal formPrivate limited company
Founded07-11-2025
Financial year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43110Demolition
68110Buying and selling of own real estate
68121Development of residential building projects
68201Renting and operating of own or leased residential real estate, excluding social housing
E-invoicing
Reachable via Peppol
Peppol ID
0208:1030160487
Also
9925:BE1030160487
Registered
03-02-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 23 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice, with enterprise number 1030.160.487
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Lille · 1 establishment unit since 2025
Ground area
783 m²
Building footprint
238 m²
Building volume
618 m³
Parcel 13009C0724/00M000, Flanders · tallest building 8.2 m. Linked by address, not a title deed.
1 establishment unit
Sym Development
since 2025unit no. 2.381.273.091
1 parcel
Flanders
1
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 13009C0724/00M000 | Flanders | 783 m² | 1 · 238 m² | 8.2 m · 1 |
How the parcels are linked
Good to know
The parcel matches the address exactly.
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Alle aankopen, verkopen, herstellingen, plaatsingen, afbraakwerken, voorbereidingswerken en alles wat nodig is voor: • Het verlenen van…” (deed in Dutch)
18 activities (deed in Dutch)
- Alle aankopen, verkopen, herstellingen, plaatsingen, afbraakwerken, voorbereidingswerken en alles wat nodig is voor: • Het verlenen van adviezen van financiële, technisch, commerciële of administratieve
- Aard; in de ruimste zin, bijstand en diensten verlenen, rechtstreeks of onrechtstreeks op het vlak van administratie en financiën, verkoop, productie en algemeen bestuur
- De verrichtingen waarvan sprake in de wet van 20 oktober 2016 betreffende het beleggingsdienstenbedrijf en betreffende het statuut van en het toezicht op de vennootschappen voor vermogensbeheer en beleggingsadvies zijn de vennootschap verboden
- • Het verlenen van bijstand, advies, management en andere diensten aan bedrijven, privépersonen en instellingen. De vennootschap kan zelf of als tussenpersoon alle hulpmiddelen verschaffen, bestuurdersfuncties waarnemen en diensten verlenen die direct of indirect verband houden met het voorgaande. De diensten kunnen worden
- Geleverd krachtens contractuele of statutaire benoeming en in hoedanigheid van externe raadgever of orgaan van de cliënt
- • Alle verrichtingen, studies en operaties met betrekking tot onroerende goederen en onroerende zakelijke rechten, zoals de aan- en verkoop, de bouw, de verbouwing, de aanpassing, de binnenhuisinrichting en decoratie, de huur en verhuur, de ruil, de
- Verkaveling
- • Het aanleggen, het oordeelkundig uitbouwen, het beheren en verhandelen van een onroerend vermogen
- • De studie en de uitvoering van alle mogelijke particuliere en openbare bouwwerken, als algemene aannemer of in onder aanneming, het ontwerp en de bouw van alle mogelijke gebouwen en bouwsels, de studie en de uitvoering van binnen- en buitendecoraties
- • Alle mogelijke verrichtingen die rechtstreeks of onrechtstreeks verband houden met het onderhoud, de renovatie, het herstel, de verfraaiing, de vernieuwing en de modernisering van alle soorten kunstwerken en onroerende goederen en, algemeen genomen, alle verrichtingen die rechtstreeks of onrechtstreeks verband houden met openbare en particuliere bouwwerken
- • Al de werkzaamheden met betrekking tot de verdeling van water, gas, elektriciteit, enzovoort
- • De algemene coördinatie van de werkzaamheden op de bouwwerf
- • De aankoop, de verkoop, de huur, de invoer en de uitvoer van alle mogelijke materialen, goederen, toestellen en materieel, noodzakelijk voor de bouw, het onderhoud, het herstel en de vernieuwing van kunstwerken en gebouwen
- • De uitvoering van alle infrastructuur en uitrustingswerken van gronden met het oog op hun verkaveling en hun valorisatie
- • Het doen opbrengen van onroerende goederen, inzonderheid door het oprichten van appartements- of andere gebouwen, met hun binnenhuisinrichting en voltooiing en vervolgens met hun beheer en uitbating
- • De projectontwikkeling inzake onroerend goed
- • Het coördineren van allerhande bouwwerken
- • Overige zakelijke dienstverlening in de brede zin van het woord
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaamse Gewest, door een eenvoudige beslissing van het bestuursorgaan, dat alle machten heeft teneinde op authentieke wijze de eventuele…” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- “Externe vertegenwoordiging. Is er slechts één bestuurder aangesteld, dan vertegenwoordigt hij de vennootschap jegens derden en in rechte als…”
- Board ruleHow the board is made up, meets and takes decisions.
- “Bepaalde of onbepaalde duur, één of meer” (deed in Dutch)“Vaste vertegenwoordiger van rechtspersoon-bestuurder, uitvoering mandaat in naam en voor rekening rechtspersoon” (deed in Dutch)6 more provisions on this in the deed
Capital, shares and profit
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Indien alle aandelen zijn ingeschreven op naam van één aandeelhouder, dan kan deze vrij beslissen over de overdracht van alle of een deel…” (deed in Dutch)“De aandelen van een aandeelhouder kunnen zonder enige goedkeuring worden overgedragen onder levenden of overgaan door overlijden aan een…” (deed in Dutch)“Op straffe van niet-tegenwerpelijkheid, verzoek tot het bestuursorgaan richten bij brief of per e-mail op het e-mailadres van de…” (deed in Dutch)“Wettelijke interest + 2% per jaar, brief of e-mail aan bestuursorgaan” (deed in Dutch)
- Profit allocationHow profit is distributed; a BV may only pay out after a balance-sheet and liquidity test.
- One provision in the deed
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- 15 June at 20:00
- Meeting accessWho may attend the meeting and what is needed to be admitted.
- One provision in the deed