SINGH & SONS
ActiveSINGH & SONS has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €211k and a net result of €29k. Equity is growing by ~12.7% per year across the filed fiscal years. Its solvency ranks better than 57% of 9900 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+15
Solvency89▲+2
Growth72▲+16
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 2.93 against 3.47 in 2024), but 55.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
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
44.5%
Return on assets
6.1%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 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
6 d late
2024
45 d early
2023
9 d late
2022
13 d early
2021
31 d late
2020
23 d late
2019
24 d early
← before the deadline
after the deadline →
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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€343k▲ 8.3%
2024 · €316k
2023: €291k
2024: €316k
2023 → 2025
EBIT margin
11.6%▲ 3.2pp
2024 · 8.4%
2023: 8.8%
2024: 8.4%
2023 → 2025
Net result
€29k▲ 58.6%
2024 · €18k
2021: €21k
2022: €17k
2023: €17k
2024: €18k
2021 → 2025
Working capital
€157k▲ 25.1%
2024 · €125k
2021: €37k
2022: €50k
2023: €75k
2024: €125k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€291k€316k▲ 8.5%€343k▲ 8.3%
Equity€130k-€146k▲ 13.0%€164k▲ 11.7%€182k▲ 11.2%€211k▲ 16.0%
Operating result€29k-€27k▼ 6.5%€26k▼ 5.5%€27k▲ 3.7%€40k▲ 49.2%
Net result€21k-€17k▼ 17.6%€17k▲ 1.6%€18k▲ 6.7%€29k▲ 58.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 49% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €474k
Fixed assets
€236k▼ 7.1%
Current assets
€238k▲ 35.3%
Equity and liabilities €474k
Equity
€211k▲ 16.0%
Debt
€263k▲ 6.1%
The debt ratio falls from 57.7% to 55.5%: equity grows faster than debt.
Key figures and ratios
EBITDA
€58k▲
2024 · €44k
Cash flow
€47k▲
2024 · €36k
Solvency
44.5%▲
2024 · 42.3%
Current ratio
2.93▼
2024 · 3.47
Quick ratio
2.89▼
2024 · 3.40
Debt / equity
1.25▼
2024 · 1.36
ROE
13.8%▲
2024 · 10.1%
ROA
6.1%▲
2024 · 4.3%
Interest coverage
14.49▼
2024 · 17.05
Debt
€263k▲
2024 · €248k
Debt ≤ 1 year
€81k▲
2024 · €51k
Debt > 1 year
€182k▼
2024 · €197k
Income taxes
€7k▲
2024 · €6k
Staff costs
€108k▲
2024 · €88k
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
Total assets
20/58€430k€474k▲
Fixed assets
21/28€254k€236k▼
Tangible fixed assets
22/27€254k€236k▼
Current assets
29/58€176k€238k▲
Stocks & contracts in progress
3€4k€3k▼
Amounts receivable within one year
40/41-€31k
Cash & bank
54/58€172k€203k▲
Total equity & liabilities
10/49€430k€474k▲
Equity
10/15€182k€211k▲
Contributions / capital
10/11€19k€19k=
Reserves
13€41k€41k=
Accumulated profits (losses)
14€122k€151k▲
Amounts payable
17/49€248k€263k▲
Amounts payable after one year
17€197k€182k▼
Amounts payable within one year
42/48€51k€81k▲
Trade debts payable within one year
44€11k€9k▼
Income statement
Code20242025
Turnover
70€316k€343k▲
Gross operating margin
9900€136k€171k▲
Operating result
9901€27k€40k▲
Financial income
75€464€739▲
Financial charges
65€3k€4k▲
Result before taxes
9903€24k€36k▲
Income taxes
67/77€6k€7k▲
Net result for the period
9904€18k€29k▲
Result to be appropriated
9905€18k€29k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 6 days late
2025
31-12
Financial
Highest result since 2021net €29k ▲58.6%
Operating result €40k, net result €29k, both a record.
31-12
Financial
Equity above €200kEq €211k ▲16%
5 profitable years in a row build equity to €211k.
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 9 days late
2023
31-12
Financial
Equity above €150kEq €164k ▲11.7%
3 profitable years in a row build equity to €164k.
28-11
State Gazette act
Director changes
Jean VAN den WOUWER
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €17k ▼17.6%
Net result drops to €17k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
2016
07-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 7 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 8 acts read
About the unread acts
Of the 8 Belgian State Gazette acts we know for this company, 1 has been read. The other 7 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
1 director, last change in 2023
SINGH Tarsem
CurrentDirector · since 22-11-2023
22-11-2023
Resigned as Director
22-11-2023
Appointed as Director
Not every act has been read: a resignation may be missing here
7 of this company's 8 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Knokke-Heist · 1 establishment unit since 2017
Ground area
143 m²
Building footprint
143 m²
Volume, LiDAR
1,071 m³
Parcel 31008I0224/00_000, Flanders · tallest building 28.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Royal Punjab
since 20172.264.359.882
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31008I0224/00_000 | Flanders | 143 m² | 1 · 143 m² | 28.1 m · 2 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.
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
BCA Consulting
BE 0556.747.237
Hannut · Eq €211k
Shopping 2000
BE 0431.397.701
Pajottegem · Eq €211k
Miami 777
BE 0804.727.143
Knokke-Heist · Eq €211k
SUPERMARKT HEIKANT
BE 0437.934.907
Essen · Eq €210k
KDB & Co
BE 0825.649.746
Mouscron · Eq €212k
Of 10,403 companies in sector 47110 we hold annual accounts for 5,524. 4,008 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-06-2005
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
52112
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 15-08-2026. Scores and ratios are computed by Checked and are not a credit decision.