SILO TECH
ActiveThe computed 12-month bankruptcy probability of SILO TECH is 1.6% (moderate). The 2025 annual accounts show equity of €263k and a net result of €53k. Equity is growing by ~31.8% per year across the filed fiscal years. Its solvency ranks better than 89% of 7330 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
100
/ 100
Excellent▲ +14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+67
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 4.07 against 2.6 in 2024), and 17.7% 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+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 41
Relative position
BE, all sectors
reference
Sector 41
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
82.3%
Return on assets
16.5%
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 24-03-2026, 37 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
37 d early
2024
57 d early
2023
on the day
2022
39 d early
2021
32 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
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€53k▲ 275%
2024 · €14k
2021: €59k
2022: €30k
2023: €77k
2024: €14k
2021 → 2025
Working capital
€174k▲ 41.3%
2024 · €123k
2021: €84k
2022: €82k
2023: €135k
2024: €123k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€90k-€119k▲ 32.9%€196k▲ 64.7%€210k▲ 7.1%€263k▲ 25.0%
Operating result€59k-€38k▼ 34.8%€79k▲ 106%€21k▼ 73.5%€64k▲ 207%
Net result€59k-€30k▼ 49.7%€77k▲ 161%€14k▼ 81.8%€53k▲ 275%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 207% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €319k
Fixed assets
€89k▲ 1.9%
Current assets
€231k▲ 15.4%
Equity and liabilities €319k
Equity
€263k▲ 25.0%
Debt
€57k▼ 26.1%
The debt ratio falls from 26.7% to 17.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€92k▲
2024 · €51k
Cash flow
€80k▲
2024 · €44k
Solvency
82.3%▲
2024 · 73.3%
Current ratio
4.07▲
2024 · 2.60
Quick ratio
4.07▲
2024 · 2.60
Debt / equity
0.22▼
2024 · 0.37
ROE
20.0%▲
2024 · 6.7%
ROA
16.5%▲
2024 · 4.9%
Interest coverage
132.03▼
2024 · 172.05
Debt
€57k▼
2024 · €77k
Debt ≤ 1 year
€57k▼
2024 · €77k
Income taxes
€11k▲
2024 · €7k
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€287k€319k▲
Fixed assets21/28€87k€89k▲
Tangible fixed assets22/27€87k€89k▲
Furniture and vehicles24€87k€89k▲
Current assets29/58€200k€231k▲
Amounts receivable within one year40/41€169k€199k▲
Trade receivables40€343€30k▲
Other amounts receivable41€169k€169k▼
Cash at bank and in hand54/58€30k€31k▲
Equity and liabilities
Total equity and liabilities10/49€287k€319k▲
Equity10/15€210k€263k▲
Contributions10/11€100€100=
Capital10€100€100=
Issued capital100€100€100=
Profit (loss) carried forward14€210k€263k▲
Amounts payable17/49€77k€57k▼
Amounts payable within one year42/48€77k€57k▼
Trade debts44€77k€57k▼
Suppliers440/4€77k€57k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€28k▼
Other operating charges640/8€384-
Non-recurring operating charges66A€2k€-155▼
Gross operating margin9900€53k€92k▲
Operating profit (loss)9901€21k€64k▲
Financial income75/76B€1€1▼
Recurring financial income75€1€1▼
Financial charges65/66B€295€698▲
Recurring financial charges65€295€698▲
Profit (loss) for the period before taxes9903€21k€64k▲
Income taxes67/77€7k€11k▲
Profit (loss) for the period9904€14k€53k▲
Profit (loss) for the period to be appropriated9905€14k€53k▲
Appropriation of the result
Profit (loss) to be appropriated9906€210k€263k▲
Profit (loss) brought forward from the previous period14P€196k€210k▲
The notes to these accounts (4 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
24-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €14k ▼81.8%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
30-09
Financial
Equity above €200kEq €210k ▲7.1%
4 profitable years in a row build equity to €210k.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2021net €77k ▲161%
Operating result €79k, net result €77k, both a record.
30-09
Financial
Equity above €150kEq €196k ▲64.7%
3 profitable years in a row build equity to €196k.
22-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Equity above €100kEq €119k ▲32.9%
2 profitable years in a row build equity to €119k.
29-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
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, Gembloux
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.
Place de l' Hôtel-de-Ville 25030 GemblouxGround area
111 m²
Building footprint
173 m²
Parcel 92053D0543/00E000, Wallonia. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92053D0543/00E000 | Wallonia | 111 m² | 1 · 173 m² | - |
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.
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Of 29,551 companies in sector 41001 we hold annual accounts for 15,877. 11,250 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded17-04-2019
Fiscal year end30-09
Activities, NACEBEL
41001General construction of residential buildings
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.