SBL INVEST
ActiveSummary
SBL INVEST has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €106k and a net result of €36k. Equity is growing by ~46.1% per year across the filed fiscal years. Its solvency ranks better than 21% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+4
Solvency44▲+7
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.08 against 0.07 in 2024; short-term debt: 60.4% and cash: 3.9% of total assets), and 81.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
18.6%
Return on assets
6.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 8663 sector peers (2025).
NBB · sector comparisonPosition among 8663 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
24 d late
2024
5 d late
2023
30 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€106k▲ 51.8%
2024 · €70k
2023: €42k
2024: €70k
2023 → 2025
Total assets
€570k▼ 0.9%
2024 · €575k
2023: €518k
2024: €575k
2023 → 2025
Net result
€36k▲ 28.3%
2024 · €28k
2023: €32k
2024: €28k
2023 → 2025
Working capital
€-318k▲ 2.6%
2024 · €-326k
2023: €-290k
2024: €-326k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€42k-€70k▲ 67.7%€106k▲ 51.8%
Operating result€54k-€50k▼ 6.7%€63k▲ 24.2%
Net result€32k-€28k▼ 10.8%€36k▲ 28.3%
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 24% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €570k
Fixed assets
€544k ▼ 1.5%
Current assets
€26k ▲ 13.5%
Equity and liabilities €570k
Equity
€106k ▲ 51.8%
Debt
€464k ▼ 8.2%
Debt's share of the balance-sheet total falls from 87.9% to 81.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€71k▲
2024 · €51k
Cash flow
€44k▲
2024 · €28k
Current ratio
0.08▲
2024 · 0.07
Debt to equity
4.39▼
2024 · 7.25
ROE
34.1%▼
2024 · 40.4%
ROA
6.3%▲
2024 · 4.9%
Interest coverage
8.11▲
2024 · 5.83
Debt ≤ 1 year
€344k▼
2024 · €350k
Debt > 1 year
€120k▼
2024 · €156k
Income taxes
€18k▲
2024 · €14k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€575k€570k▼
Fixed assets21/28€552k€544k▼
Tangible fixed assets22/27€33k€25k▼
Leasing and similar rights25€33k€25k▼
Financial fixed assets28€519k€519k=
Current assets29/58€23k€26k▲
Amounts receivable within one year40/41€12k€2k▼
Trade receivables40€12k€2k▼
Cash at bank and in hand54/58€12k€22k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€575k€570k▼
Equity10/15€70k€106k▲
Contributions10/11€10k€10k=
Reserves13€60k€96k▲
Distributable reserves133€60k€96k▲
Amounts payable17/49€506k€464k▼
Amounts payable after more than one year17€156k€120k▼
Financial debts170/4€156k€120k▼
Amounts payable within one year42/48€350k€344k▼
Current portion of amounts payable after more than one year42€34k€36k▲
Trade debts44€1k€4k▲
Suppliers440/4€1k€4k▲
Taxes, remuneration and social security45€8k€13k▲
Taxes450/3€7k€11k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€306k€292k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€318€8k▲
Other operating charges640/8€251€953▲
Gross operating margin9900€51k€72k▲
Operating profit (loss)9901€50k€63k▲
Financial income75/76B€45-
Recurring financial income75€45-
Financial charges65/66B€9k€9k▲
Recurring financial charges65€9k€9k▲
Profit (loss) for the period before taxes9903€42k€54k▲
Income taxes67/77€14k€18k▲
Profit (loss) for the period9904€28k€36k▲
Profit (loss) for the period to be appropriated9905€28k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€28k€36k▲
Transfer to equity691/2€28k€36k▲
To other reserves6921€28k€36k▲
The notes to these accounts (7 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 24 days late
2025
31-12
Financial
Highest result since 2023net €36k ▲28.3%
Operating result €63k, net result €36k, both a record.
31-12
Financial
Equity above €100kEq €106k ▲51.8%
3 profitable years in a row build equity to €106k.
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 5 days late
2024
31-12
Financial
Weakest financial yearnet €28k ▼10.8%
Net result drops to €28k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Sint-Truiden · 1 establishment unit since 2023
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.
Hasseltsesteenweg 613800 Sint-TruidenGround area
1,793 m²
Building footprint
310 m²
Volume, LiDAR
2,730 m³
Parcel 71352D0195/00P006, Flanders · tallest building 13.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SBL INVEST
since 20232.340.710.661
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71352D0195/00P006 | Flanders | 1,793 m² | 1 · 310 m² | 13.5 m · 3 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.
Similar companies · same sector, comparable size
ELBUSA
BE 1026.924.548
Herent · Eq €105,834
PE Consulting
BE 0778.923.361
Houthalen-Helchteren · Eq €105,828
M2WM
BE 0824.675.588
Anderlecht · Eq €105,865
Arvi
BE 0805.689.126
Antwerpen · Eq €105,875
Tom Melotte
BE 0802.611.751
As · Eq €105,807
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,681 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-01-2023
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
68321Property management for co-owned buildings (syndics)
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.