SIMON D
ActiveSummary
SIMON D has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €258k and a net result of €45k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 39% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+21
Solvency62▲+11
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity tight (current ratio 1.27 against 1.17 in 2024; short-term debt: 39.6% and cash: 6.8% of total assets), and 63% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
37%
Return on assets
6.5%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
71 d late
2023
30 d late
2022
30 d late
2021
29 d late
2020
26 d early
2019
32 d early
← 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, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€45k
2024 · €-11k
2018: €4k
2019: €115k
2020: €17k
2021: €11k
2022: €10k
2023: €15k
2024: €-11k
2018 → 2025
Working capital
€75k▲ 24.0%
2024 · €61k
2018: €-41k
2019: €26k
2020: €-11k
2021: €-15k
2022: €-35k
2023: €61k
2024: €61k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€199k-€209k▲ 5.1%€224k▲ 7.0%€213k▼ 4.9%€258k▲ 21.2%
Operating result€20k-€19k▼ 2.6%€40k▲ 110%€9k▼ 77.3%€80k▲ 778%
Net result€11k-€10k▼ 8.4%€15k▲ 44.8%€-11k€45k
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 778% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €698k
Fixed assets
€347k ▼ 14.6%
Current assets
€351k ▼ 13.9%
Equity and liabilities €698k
Equity
€258k ▲ 21.2%
Debt
€440k ▼ 26.8%
Debt's share of the balance-sheet total falls from 73.9% to 63.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€165k▲
2024 · €131k
Cash flow
€130k▲
2024 · €111k
Current ratio
1.27▲
2024 · 1.17
Debt to equity
1.71▼
2024 · 2.83
ROE
17.5%▲
2024 · -5.1%
ROA
6.5%▲
2024 · -1.3%
Interest coverage
7.39▲
2024 · 4.65
Debt ≤ 1 year
€276k▼
2024 · €347k
Debt > 1 year
€160k▼
2024 · €244k
Income taxes
€21k▲
2024 · €271
Staff costs
€180k▼
2024 · €199k
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€814k€698k▼
Fixed assets21/28€406k€347k▼
Tangible fixed assets22/27€406k€347k▼
Plant, machinery and equipment23€20k€27k▲
Furniture and vehicles24€96k€65k▼
Leasing and similar rights25€290k€254k▼
Other tangible fixed assets26-€1k
Current assets29/58€408k€351k▼
Amounts receivable after more than one year29€20k€20k=
Other amounts receivable291€20k€20k=
Amounts receivable within one year40/41€355k€274k▼
Trade receivables40€181k€115k▼
Other amounts receivable41€174k€159k▼
Cash at bank and in hand54/58€19k€48k▲
Deferred charges and accrued income490/1€14k€11k▼
Equity and liabilities
Total equity and liabilities10/49€814k€698k▼
Equity10/15€213k€258k▲
Contributions10/11€20k€20k=
Reserves13€55k€100k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€53k€98k▲
Profit (loss) carried forward14€138k€138k=
Amounts payable17/49€601k€440k▼
Amounts payable after more than one year17€244k€160k▼
Financial debts170/4€244k€160k▼
Amounts payable within one year42/48€347k€276k▼
Current portion of amounts payable after more than one year42€117k€84k▼
Financial debts43€105k€105k=
Credit institutions430/8€105k€105k=
Trade debts44€112k€41k▼
Suppliers440/4€112k€41k▼
Taxes, remuneration and social security45€14k€46k▲
Taxes450/3€2k€29k▲
Remuneration and social security454/9€12k€17k▲
Accrued charges and deferred income492/3€10k€4k▼
Income statement
Code20242025
Non-recurring operating income76A€66€1k▲
Remuneration, social security and pensions62€199k€180k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€122k€84k▼
Other operating charges640/8€4k€4k▲
Non-recurring operating charges66A€3k€5k▲
Gross operating margin9900€337k€354k▲
Operating profit (loss)9901€9k€80k▲
Financial income75/76B€8k€8k▼
Recurring financial income75€8k€8k▼
Financial charges65/66B€28k€22k▼
Recurring financial charges65€28k€22k▼
Profit (loss) for the period before taxes9903€-11k€66k▲
Income taxes67/77€271€21k▲
Profit (loss) for the period9904€-11k€45k▲
Profit (loss) for the period to be appropriated9905€-11k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€138k€183k▲
Profit (loss) brought forward from the previous period14P€148k€138k▼
Transfer to equity691/2€0€45k▲
To other reserves6921€0€45k▲
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Back to profitnet €45k
Net result €45k after one loss-making year.
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 71 days late
2024
31-12
Financial
Weakest financial yearnet €-11k ▼174%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Equity above €200kEq €209k ▲5.1%
5 profitable years in a row build equity to €209k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Highest result since 2018net €115k ▲2852%
Operating result €165k, net result €115k, both a record.
31-12
Financial
Equity above €150kEq €170k ▲207%
2 profitable years in a row build equity to €170k.
Show earlier events
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 13 days late
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Jodoigne · 1 establishment unit since 2011
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.
Hameau de Hussompont(Jod.) 611370 JodoigneGround area
4,343 m²
Building footprint
238 m²
Volume, LiDAR
1,809 m³
2 parcels, Wallonia · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SIMON D
since 20112.203.969.860
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25048F0396/00L000 | Wallonia | 3,969 m² | 1 · 83 m² | 7.0 m · 2 fl. |
| 25085D0227/00S000 | Wallonia | 374 m² | 1 · 154 m² | 10.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
WILTAE
BE 0479.532.960
Deinze · Eq €257,869
Evere CB Construct
BE 0745.621.083
Antwerpen · Eq €257,857
De Woonwaaier
BE 0560.789.563
Hooglede · Eq €258,075
H.N.R.
BE 0432.651.771
Stavelot · Eq €258,091
D.Y.V
BE 0895.169.646
Wavre · Eq €257,694
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,590 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 (pre-2019)
Founded07-11-2011
Fiscal year end31-12
Activities, NACEBEL 2025
43120Site preparation
43990Other specialised construction activities
47521Retail sale of hardware, building materials, paint and glass (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.