SYMO
ActiveSYMO has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €695k and a net result of €12k. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 39% of 217 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability46▼-4
Solvency60▼-6
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity tight (current ratio 1.04 against 1.5 in 2024; short-term debt: 64.1% and cash: 1.3% of total assets), and 64.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 32
Relative position
BE, all sectors
reference
Sector 32
lower
← 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
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
35.3%
Return on assets
0.6%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
6 d early
2023
6 d early
2022
4 d early
2021
3 d early
2020
2 d early
2019
15 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€695k▲ 1.7%
2024 · €684k
2018: €577k
2019: €578k
2020: €371k
2021: €579k
2022: €640k
2023: €676k
2024: €684k
2018 → 2025
Total assets
€1.97M▲ 17.0%
2024 · €1.68M
2018: €1.61M
2019: €1.91M
2020: €2.11M
2021: €2.08M
2022: €1.94M
2023: €1.66M
2024: €1.68M
2018 → 2025
Net result
€12k▲ 68.8%
2024 · €7k
2018: €11k
2019: €598
2020: €-207k
2021: €208k
2022: €62k
2023: €36k
2024: €7k
2018 → 2025
Working capital
€47k▼ 90.5%
2024 · €497k
2018: €202k
2019: €205k
2020: €92k
2021: €511k
2022: €346k
2023: €417k
2024: €497k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€579k-€640k▲ 10.6%€676k▲ 5.6%€684k▲ 1.0%€695k▲ 1.7%
Operating result€464k-€210k▼ 54.6%€146k▼ 30.6%€81k▼ 44.4%€97k▲ 19.4%
Net result€208k-€62k▼ 70.3%€36k▼ 41.2%€7k▼ 80.5%€12k▲ 68.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 19% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.97M
Fixed assets
€661k▲ 244%
Current assets
€1.31M▼ 12.2%
Equity and liabilities €1.97M
Equity
€695k▲ 1.7%
Debt
€1.27M▲ 27.5%
The debt ratio rises from 59.4% to 64.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€181k▲
2024 · €178k
Cash flow
€96k▼
2024 · €104k
Solvency
35.3%▼
2024 · 40.6%
Current ratio
1.04▼
2024 · 1.50
Quick ratio
0.33▼
2024 · 0.60
Debt / equity
1.83▲
2024 · 1.46
ROE
1.7%▲
2024 · 1.0%
ROA
0.6%▲
2024 · 0.4%
Interest coverage
3.16▼
2024 · 3.68
Debt
€1.27M▲
2024 · €1,000k
Debt ≤ 1 year
€1.26M▲
2024 · €994k
Income taxes
€14k▼
2024 · €18k
Staff costs
€1.18M▼
2024 · €1.24M
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€1.68M€1.97M▲
Fixed assets21/28€192k€661k▲
Intangible fixed assets21€94k€542k▲
Tangible fixed assets22/27€98k€119k▲
Plant, machinery and equipment23€48k€50k▲
Furniture and vehicles24€19k€42k▲
Other tangible fixed assets26€31k€27k▼
Current assets29/58€1.49M€1.31M▼
Stocks and contracts in progress3€892k€892k=
Stocks30/36€892k€892k=
Amounts receivable within one year40/41€398k€293k▼
Trade receivables40€293k€235k▼
Other amounts receivable41€105k€57k▼
Cash at bank and in hand54/58€89k€26k▼
Deferred charges and accrued income490/1€112k€98k▼
Equity and liabilities
Total equity and liabilities10/49€1.68M€1.97M▲
Equity10/15€684k€695k▲
Contributions10/11€512k€512k=
Capital10€512k€512k=
Issued capital100€512k€512k=
Reserves13€33k€34k▲
Non-distributable reserves130/1€33k€34k▲
Legal reserve130€33k€34k▲
Tax-exempt reserves132€321€321=
Profit (loss) carried forward14€138k€150k▲
Amounts payable17/49€1,000k€1.27M▲
Amounts payable within one year42/48€994k€1.26M▲
Financial debts43€21k€264k▲
Credit institutions430/8€21k€264k▲
Trade debts44€714k€750k▲
Suppliers440/4€714k€750k▲
Advances received on contracts in progress46-€57k
Taxes, remuneration and social security45€258k€191k▼
Taxes450/3€17k€16k▼
Remuneration and social security454/9€241k€175k▼
Other amounts payable47/48€1k-
Accrued charges and deferred income492/3€6k€13k▲
Income statement
Code20242025
Non-recurring operating income76A-€6k
Remuneration, social security and pensions62€1.24M€1.18M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€97k€84k▼
Other operating charges640/8€12k€13k▲
Gross operating margin9900€1.43M€1.38M▼
Operating profit (loss)9901€81k€97k▲
Financial income75/76B€16k€13k▼
Recurring financial income75€16k€13k▼
Financial charges65/66B€73k€84k▲
Recurring financial charges65€48k€57k▲
Non-recurring financial charges66B€25k€26k▲
Profit (loss) for the period before taxes9903€25k€26k▲
Income taxes67/77€18k€14k▼
Profit (loss) for the period9904€7k€12k▲
Profit (loss) for the period to be appropriated9905€7k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€139k€150k▲
Profit (loss) brought forward from the previous period14P€131k€138k▲
Transfer to equity691/2€353€596▲
To the legal reserve6920€353€596▲
Social balance
Average headcount (FTE)908717.716.0▼
The notes to these accounts (17 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
24-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
26-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
27-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Back to profitnet €208k
Net result €208k after one loss-making year.
30-09
Financial
Equity above €500kEq €579k ▲55.9%
Equity rises from €371k to €579k.
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Weakest financial yearnet €-207k ▼34719%
Net result drops to €-207k, the lowest in the series; recovery starts the following year.
15-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
04-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Brugge · 1 establishment unit since 2005
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.
Dirk Martensstraat 138200 BruggeGround area
3,064 m²
Building footprint
1,752 m²
Volume, LiDAR
8,432 m³
Parcel 31424B0618/00N000, Flanders · tallest building 5.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SYMO
since 20052.150.086.360
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31424B0618/00N000 | Flanders | 3,064 m² | 1 · 1,752 m² | 5.7 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 9 entries · 101,888 EUR awarded · 101,711 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 13,767 EUR | 13,976 EUR |
| 2024 | 2 | 3,212 EUR | 3,212 EUR |
| 2023 | 2 | 75,998 EUR | 75,612 EUR |
| 2022 | 3 | 8,911 EUR | 8,911 EUR |
Schemes
Subsidies voor internationaal ondernemen
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
9845007CCF8B2E3E5C46
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Of 915 companies in sector 32990 we hold annual accounts for 163. 99 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded17-11-2005
Fiscal year end30-09
Activities, NACEBEL
32990Other manufacturing not elsewhere classified
33110Repair and maintenance of fabricated metal products
46412Wholesale of household textiles and bedding
46423Wholesale of clothing, excluding workwear and underwear
47512Retail sale of household textiles and bedding
51410
51421
52410
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:050/32.07.95