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SBN

Active
Private limited company·Overige zakelijke dienstverlening, neg· 2 yrs active
Al Cassette 13 ·5340 Gesves, Belgium
KBO/BCE: BE 1002.893.193
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Age2 yrs
Real estate1 parcel · 792 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of SBN is 1.1% (low). The 2024 annual accounts show equity of €21k and a net result of €19k. Its solvency ranks better than 25% of 3178 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Signals

1 signal · with evidence
Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 3178 sector peers (2024).
View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-08-2025, 25 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.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 25-08-2025 25 d late 2025-00399277

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
1.1% Low
0%0,5%1,5%4%10%≥25%
Young company +Lower-failure-rate sector −Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€19k
Working capital€6k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 25-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 82 · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 20.8% 53.8%
better than 25% of 3178 sector peers
Net result €19k €18k
better than 51% of 3177 sector peers
Equity €21k €40k
better than 34% of 3180 sector peers
Gross operating margin €31k €36k
better than 45% of 3177 sector peers
Total assets €101k €94k
better than 53% of 3183 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€30k
Net profit€19k
Cash flow€21k
Staff costs-
Income taxes€7k
Dividends-
Total assets€101k
Equity€21k
Debt€80k
of which ≤ 1y€46k
of which > 1y€34k
Working capital€6k
Employees (FTE)-
Ratios (computed)
2024
Current ratio1.14
Quick ratio1.14
Working capital ratio6.3%
Solvency20.8%
Debt / equity3.81
Long-term debt ratio1.63
Interest coverage15.01
Gross margin-
Net margin-
ROA18.8%
ROE90.5%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€101k
Fixed assets 21/28€49k
Tangible fixed assets 22/27€49k
Financial fixed assets 28€56
Current assets 29/58€52k
Amounts receivable within one year 40/41€21k
Cash & bank 54/58€269
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€101k
Equity 10/15€21k
Contributions / capital 10/11€2k
Reserves 13€19k
Amounts payable 17/49€80k
Amounts payable after one year 17€34k
Amounts payable within one year 42/48€46k
Trade debts payable within one year 44€5k
Income statement
Gross operating margin 9900€31k
Operating result 9901€28k
Financial income 75€0
Financial charges 65€2k
Result before taxes 9903€26k
Income taxes 67/77€7k
Net result for the period 9904€19k
Result to be appropriated 9905€19k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
68 / 100 Healthy
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap

Establishment units

1 location
SBN
Al Cassette 13, 5340 GesvesVerhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen
since 20232.353.536.437
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area792 m²
Buildings1
Building footprint166 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
92060A0273/00G000 Wallonia 792 m² 1 · 166 m² -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts
All acts · 1 updated 2 years ago
2023
05-12-2023 Publication in the Belgian Official Gazette, Minor change Minor change·Florence VAN AELST
Summary: Other address changeNotary: Florence VAN AELST · Ohey

Analysis

Financial profile

4 of 5 axes measured
Health68Profitability100Solvency30Growth-Stability67
66 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 68
Profitability 100
Solvency 30
Growth -
Stability 67

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 2,996 of the 24,493 companies in this sector. 2,330 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Overige zakelijke dienstverlening, neg82990Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen68203
Primary activity highlighted.
Names & trade names
Legal nameFR SBN
Registered office
Al Cassette 13
5340 Gesves, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.