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SILVERTREE

Active
Private limited companyfounded 20215 yrs activeNijsstraat 2, 3221 Holsbeek, BelgiumKBO/BCE: BE 0771.476.632
Summary

SILVERTREE has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €425,397 and a net result of €99,516. Equity is growing by ~43.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 371 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
SILVERTREEActiveChecked score 98/100
Risk analysis ReportCompare

Overview

Activity
Temporary employment agencies and other provision of personnel
NACE 78200NACE 78300
#4 company by equity in Holsbeek, Administrative and support services sector1 site
Size
€453,783total assets 2025
Equity
€425,397
Profit
€99,516
Turnover not published (abridged schema)
Financial health
98 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Accounts filed 25 d late0 of 1 deed read
Why 98- Founded in 2021+ Liquidity: current ratio 15.93, cash €248,740+ Equity €425,397 (93.7% of total assets)+ Sector Employment activities (NACE 78)Show the evidence

Checked score

Score 2025
98 / 100
Excellent
Probability in this band: under 0.55%
Better than 82% of its sector peers (NACE 78, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100+3
equity 93.7% of total assets
Liquidity 100+57
short-term debt 6.3% · cash 54.8%
Profitability 96=
return on assets 21.9%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (1,371 companies)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● 0.0% vs 11-2024 01-2025: 0.2%▼ -1.7% vs 12-2024 02-2025: 0.2%● 0.0% vs 01-2025 03-2025: 0.1%▼ -25.1% vs 02-2025 04-2025: 0.1%▼ -1.6% vs 03-2025 05-2025: 0.1%▲ +5.6% vs 04-2025 06-2025: 0.1%▲ +6.0% vs 05-2025 07-2025: 0.1%▼ -0.7% vs 06-2025 08-2025: 0.4%▲ +214% vs 07-2025 09-2025: 0.4%● 0.0% vs 08-2025 10-2025: 0.4%● 0.0% vs 09-2025 11-2025: 0.4%● 0.0% vs 10-2025 12-2025: 0.5%▲ +6.8% vs 11-2025 01-2026: 0.5%▼ -1.5% vs 12-2025 02-2026: 0.5%▲ +0.6% vs 01-2026 03-2026: 0.5%▼ -0.6% vs 02-2026 04-2026: 0.5%▲ +1.5% vs 03-2026 05-2026: 0.5%▲ +2.6% vs 04-2026 06-2026: 0.5%▲ +5.8% vs 05-2026 07-2026: 0.5%▼ -1.0% vs 06-2026 08-2026: 0.8%▲ +50.7% vs 07-2026highest value 09-2026: < 0.1%▼ -94.5% vs 08-2026 10-2026: < 0.1%▼ -2.4% vs 09-2026lowest value
  • Liquidity: current ratio 15.93, cash €248,740 lowers the probability
  • Equity €425,397 (93.7% of total assets) lowers the probability
  • Sector Employment activities (NACE 78) lowers the probability
  • Founded in 2021 raises the probability for this profile
Credit up to €40,000 at 30 days acceptable
Liquidity ample (current ratio 15.93 against 3.55 in 2024; short-term debt: 6.3% and cash: 54.8% of total assets), and 6.3% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 78, micro). Better than this share of them on solvency 89%, liquidity 97%, profitability 71%, growth against the median 71%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Liquidity: current ratio 15.93, cash €248,740
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €425,397 (93.7% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Sector Employment activities (NACE 78)
In the bankruptcy model this factor lowers the probability.
KBO
raises risk · Founded in 2021
In the bankruptcy model this factor raises the probability for this profile.
KBO
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 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.
NBB · 5 filings
Deviation from the deadline
2025
25 d late
2024
30 d early
2023
13 d early
2022
31 d late
2021
30 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 9 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 30% of the sector filed late.

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. Usually files around 25 August (4 of the last 5 filed years within 37 days of that day).
Companies Code · seven months
Position in the running window
05-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Liquidity quadruplescurrent ratio 15.93
  3. Annual accounts filedfiscal year 2024 · abbreviated…

Key points

  • Positive: Among the best 5% on solvencysector median 24.6% · 371 companies 93.7% View
  • Positive: 5 profitable years in a rowprofit 2025: €99,516 5 years View
  • Positive: Equity rose in 2025from €325,881 to €425,397 ▲ 30.5% View

By topic

Financials

Fiscal year
2025
Total assets
€453,783
Profit
€99,516
Solvency
93.7%
Total assets▲ 0.2%
Net result
20212025
Go to Financials

Timeline

Events
9
Since
2022
Next accounts
by 31-07-2027
  1. 25-08-2026Annual accounts filed
  2. 31-12-2025Liquidity quadruples
  3. 01-07-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Temporary employment agencies and other provision of personnelNACE 78200
Founded
16-07-2021
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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