Sander Bombeke
ActiveThe computed 12-month bankruptcy probability of Sander Bombeke is 1.6% (moderate). The 2025 annual accounts show equity of €497k and a net result of €196k. Equity is growing by ~33.5% per year across the filed fiscal years. Its solvency ranks better than 63% of 27450 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▲+5
Solvency83▼-17
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 1.72 against 12.25 in 2024; short-term debt: 30.4% and cash: 29.9% of total assets), and 41.5% 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 43
Relative position
BE, all sectors
reference
Sector 43
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
58.5%
Return on assets
23.1%
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 24-04-2026, 98 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
98 d early
2024
34 d early
2023
13 d early
2022
31 d late
2021
27 d late
2020
30 d late
2019
35 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€497k▼ 50.1%
2024 · €996k
2019: €91k
2020: €197k
2021: €349k
2022: €565k
2023: €758k
2024: €996k
2019 → 2025
Total assets
€850k▼ 30.7%
2024 · €1.23M
2019: €153k
2020: €252k
2021: €505k
2022: €810k
2023: €968k
2024: €1.23M
2019 → 2025
Net result
€196k▼ 18.0%
2024 · €239k
2019: €85k
2020: €105k
2021: €153k
2022: €217k
2023: €202k
2024: €239k
2019 → 2025
Working capital
€186k▼ 78.1%
2024 · €850k
2019: €38k
2020: €147k
2021: €206k
2022: €389k
2023: €575k
2024: €850k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€349k-€565k▲ 62.0%€758k▲ 34.3%€996k▲ 31.3%€497k▼ 50.1%
Operating result€206k-€276k▲ 34.0%€259k▼ 6.1%€314k▲ 21.0%€226k▼ 27.9%
Net result€153k-€217k▲ 41.8%€202k▼ 6.9%€239k▲ 18.5%€196k▼ 18.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 28% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €850k
Fixed assets
€406k▲ 35.0%
Current assets
€444k▼ 52.0%
Equity and liabilities €850k
Equity
€497k▼ 50.1%
Provisions
€2k▼ 94.2%
Debt
€351k▲ 73.3%
The debt ratio rises from 16.5% to 41.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€277k▼
2024 · €345k
Cash flow
€248k▼
2024 · €271k
Solvency
58.5%▼
2024 · 81.2%
Current ratio
1.72▼
2024 · 12.25
Quick ratio
1.72▼
2024 · 12.25
Debt / equity
0.71▲
2024 · 0.20
ROE
39.5%▲
2024 · 24.0%
ROA
23.1%▲
2024 · 19.5%
Interest coverage
72.88▲
2024 · 68.42
Debt
€351k▲
2024 · €203k
Debt ≤ 1 year
€258k▲
2024 · €76k
Debt > 1 year
€93k▼
2024 · €127k
Income taxes
€81k▲
2024 · €44k
Staff costs
€21k▲
2024 · €14k
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€1.23M€850k▼
Fixed assets21/28€301k€406k▲
Tangible fixed assets22/27€301k€406k▲
Land and buildings22€78k€254k▲
Plant, machinery and equipment23€79k€67k▼
Furniture and vehicles24€102k€81k▼
Assets under construction and advance payments27€42k€5k▼
Current assets29/58€926k€444k▼
Amounts receivable after more than one year29€45k€0▼
Other amounts receivable291€45k€0▼
Amounts receivable within one year40/41€30k€10k▼
Trade receivables40€0€4k▲
Other amounts receivable41€30k€5k▼
Current investments50/53€574k€177k▼
Cash at bank and in hand54/58€275k€254k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€1.23M€850k▼
Equity10/15€996k€497k▼
Contributions10/11€1€1=
Reserves13€996k€497k▼
Tax-exempt reserves132€378k€390k▲
Distributable reserves133€618k€107k▼
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€28k€2k▼
Deferred taxes168€28k€2k▼
Amounts payable17/49€203k€351k▲
Amounts payable after more than one year17€127k€93k▼
Financial debts170/4€127k€93k▼
Amounts payable within one year42/48€76k€258k▲
Current portion of amounts payable after more than one year42€34k€34k▲
Financial debts43€9k€8k▼
Other loans439€9k€8k▼
Trade debts44€32k€6k▼
Suppliers440/4€32k€6k▼
Taxes, remuneration and social security45€0€26k▲
Taxes450/3€0€23k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€2k€184k▲
Accrued charges and deferred income492/3€49€133▲
Income statement
Code20242025
Remuneration, social security and pensions62€14k€21k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€51k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€361k€301k▼
Operating profit (loss)9901€314k€226k▼
Financial income75/76B€2k€29k▲
Recurring financial income75€2k€29k▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€311k€251k▼
Transfer from deferred taxes780€537€26k▲
Transfer to deferred taxes680€28k€0▼
Income taxes67/77€44k€81k▲
Profit (loss) for the period9904€239k€196k▼
Transfer from tax-exempt reserves789€2k€84k▲
Transfer to tax-exempt reserves689€182k€97k▼
Profit (loss) for the period to be appropriated9905€59k€184k▲
Appropriation of the result
Profit (loss) to be appropriated9906€59k€184k▲
Transfer from equity791/2-€511k
Transfer to equity691/2€57k€0▼
To other reserves6921€57k€0▼
Profit to be distributed694/7€2k€695k▲
Return on contributions (dividend)694€2k€695k▲
The notes to these accounts (10 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
24-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €239k ▲18.5%
Operating result €314k, net result €239k, both a record.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Liquidity quadruplescurrent ratio 8.69
Current ratio from 2.32 to 8.69; short-term debt falls from €156k to €51k.
31-12
Financial
Equity above €500kEq €565k ▲62%
4 profitable years in a row build equity to €565k.
27-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 27 days late
2021
31-12
Financial
Equity above €200kEq €349k ▲77.3%
3 profitable years in a row build equity to €349k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 3.71
Current ratio from 1.70 to 3.71.
31-12
Financial
Equity above €150kEq €197k ▲115%
2 profitable years in a row build equity to €197k.
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 35 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Laarne · 1 establishment unit since 2018
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.
Zomerstraat 439270 LaarneGround area
3,157 m²
Building footprint
107 m²
Volume, LiDAR
234 m³
Parcel 42009E0230/00D000, Flanders · tallest building 12.4 m. Linked by address, not a title deed.
1 establishment unit
Sander Bombeke
since 20182.282.464.636
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42009E0230/00D000 | Flanders | 3,157 m² | 1 · 107 m² | 12.4 m |
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
2023 to 2025 · 3 entries · 216 EUR awarded · 216 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 66 EUR | 66 EUR |
| 2024 | 1 | 66 EUR | 66 EUR |
| 2023 | 1 | 84 EUR | 84 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
254900TFXC5LGY21AM38
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Of 8,560 companies in sector 43410 we hold annual accounts for 4,351. 2,873 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-12-2018
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.