SINIO
ActiveSummary
SINIO has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €441k and a net result of €532k. Equity is growing by ~3.7% per year across the filed fiscal years. Its solvency ranks better than 40% of 1004 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency47=
Growth71=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.25 against 1.24 in 2024; short-term debt: 78.2% and cash: 33.6% of total assets), and 78.3% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
21.7%
Return on assets
26.1%
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 02-04-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
36 d early
2023
40 d early
2022
74 d early
2021
17 d early
2020
22 d early
2019
58 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€2.35M▲ 5.1%
2019 · €2.23M
2018: €2.03M
2019: €2.23M
2018 → 2020
EBIT margin
27.3%▼ 2.5pp
2019 · 29.8%
2018: 25.3%
2019: 29.8%
2018 → 2020
Net result
€532k▼ 5.2%
2024 · €562k
2018: €498k
2019: €653k
2020: €629k
2021: €849k
2022: €556k
2023: €537k
2024: €562k
2018 → 2025
Working capital
€398k▲ 3.9%
2024 · €383k
2018: €284k
2019: €304k
2020: €321k
2021: €363k
2022: €407k
2023: €409k
2024: €383k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€407k-€434k▲ 6.7%€431k▼ 0.8%€443k▲ 2.9%€441k▼ 0.4%
Operating result€864k-€596k▼ 31.1%€561k▼ 5.9%€574k▲ 2.4%€546k▼ 4.9%
Net result€849k-€556k▼ 34.6%€537k▼ 3.4%€562k▲ 4.6%€532k▼ 5.2%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 5% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.04M
Fixed assets
€47k ▼ 27.3%
Current assets
€1.99M ▼ 0.2%
Equity and liabilities €2.04M
Equity
€441k ▼ 0.4%
Provisions
€3k ▼ 22.8%
Debt
€1.59M ▼ 1.2%
Debt's share of the balance-sheet total falls from 78.3% to 78.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€565k▼
2024 · €594k
Cash flow
€551k▼
2024 · €582k
Current ratio
1.25▲
2024 · 1.24
Debt to equity
3.61▼
2024 · 3.64
ROE
120.6%▼
2024 · 126.7%
ROA
26.1%▼
2024 · 27.3%
Interest coverage
56.70▲
2024 · -73.60
Debt ≤ 1 year
€1.59M▼
2024 · €1.61M
Income taxes
€37k▲
2024 · €37k
Staff costs
€956k▼
2024 · €986k
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 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.06M€2.04M▼
Fixed assets21/28€64k€47k▼
Tangible fixed assets22/27€61k€44k▼
Furniture and vehicles24€61k€44k▼
Financial fixed assets28€3k€3k=
Current assets29/58€1.99M€1.99M▼
Amounts receivable within one year40/41€825k€930k▲
Trade receivables40€778k€875k▲
Other amounts receivable41€47k€56k▲
Current investments50/53€871k€375k▼
Cash at bank and in hand54/58€295k€684k▲
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€2.06M€2.04M▼
Equity10/15€443k€441k▼
Contributions10/11€212k€212k=
Reserves13€166k€163k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€20k€17k▼
Distributable reserves133€146k€146k=
Profit (loss) carried forward14€66k€66k▲
Provisions and deferred taxes16€4k€3k▼
Deferred taxes168€4k€3k▼
Amounts payable17/49€1.61M€1.59M▼
Amounts payable within one year42/48€1.61M€1.59M▼
Trade debts44€847k€884k▲
Suppliers440/4€847k€884k▲
Advances received on contracts in progress46€2k€2k=
Taxes, remuneration and social security45€213k€171k▼
Taxes450/3€64k€26k▼
Remuneration and social security454/9€149k€145k▼
Other amounts payable47/48€551k€536k▼
Income statement
Code20242025
Remuneration, social security and pensions62€986k€956k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€19k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€50k€49k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€1.63M€1.57M▼
Operating profit (loss)9901€574k€546k▼
Financial income75/76B€21k€33k▲
Recurring financial income75€21k€33k▲
Financial charges65/66B€-8k€10k▲
Recurring financial charges65€-8k€10k▲
Profit (loss) for the period before taxes9903€603k€569k▼
Transfer from deferred taxes780€553€905▲
Transfer to deferred taxes680€5k€0▼
Income taxes67/77€37k€37k▲
Profit (loss) for the period9904€562k€532k▼
Transfer from tax-exempt reserves789€2k€3k▲
Transfer to tax-exempt reserves689€14k€0▼
Profit (loss) for the period to be appropriated9905€550k€535k▼
Appropriation of the result
Profit (loss) to be appropriated9906€615k€601k▼
Profit (loss) brought forward from the previous period14P€65k€66k▲
Profit to be distributed694/7€549k€534k▼
Directors or managers695€461k€446k▼
Employees696€88k€88k=
Social balance
Average headcount (FTE)908715.814.7▼
The notes to these accounts (20 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
24-09
State Gazette act
Registered office clause · General meeting
Auditor reappointment · Other statement
15-09
State Gazette act
General meeting · Auditor appointment
Permanent representative
14-09
State Gazette act
General meeting · Other statement
Name change · Permanent representative
08-09
State Gazette act
General meeting · Auditor reappointment
08-09
State Gazette act
General meeting · Demerger
Accounting effect · Real estate
18-08
State Gazette act
General meeting · Director resignation
Auditor appointment · Permanent representative
24-07
State Gazette act
Board meeting · Director appointment
Director resignation · General meeting
19-06
State Gazette act
Merger · Accounting effect
Net-asset statement · Real estate
19-06
State Gazette act
Demerger · Accounting effect
Net-asset statement · Real estate
19-06
State Gazette act
Demerger · Accounting effect
Net-asset statement · Real estate
08-06
State Gazette act
General meeting · Director resignation
Director reappointment · Director appointment
02-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
Show earlier events
30-01
State Gazette act
General meeting · Merger
Dissolution · Share issue
21-01
State Gazette act
General meeting · Merger
Dissolution · Capital increase
2025
25-03
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
24-06
State Gazette act
Board meeting · Director resignation
General meeting · Director appointment
21-06
State Gazette act
Board meeting · Director resignation
Power of attorney · General meeting
26-03
State Gazette act
General meeting · Auditor reappointment
Permanent representative · Power of attorney
21-03
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
04-07
State Gazette act
General meeting · Auditor reappointment
Permanent representative
05-05
State Gazette act
General meeting · Auditor reappointment
Permanent representative
15-02
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
06-09
State Gazette act
General meeting · Auditor appointment
13-04
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-09
Financial
Highest result since 2018net €849k ▲35.1%
Operating result €864k, net result €849k, both a record.
25-06
State Gazette act
Board meeting · General meeting
Statutes amendment · Auditor reappointment
11-06
State Gazette act
Board meeting · General meeting
Auditor reappointment · Permanent representative
04-05
State Gazette act
General meeting · Director reappointment
Auditor reappointment
08-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
22-12
State Gazette act
General meeting · Auditor resignation
Auditor appointment · Permanent representative
15-07
State Gazette act
General meeting · Director reappointment
Permanent representative · Mandate compensation
03-03
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
22-03
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
22-06
State Gazette act
General meeting · Director reappointment
Mandate compensation · Auditor reappointment
13-06
State Gazette act
General meeting · Director resignation
Auditor appointment · Permanent representative
26-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
01-06
State Gazette act
General meeting · Director appointment
Director resignation · Auditor appointment
13-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
08-03
State Gazette act
General meeting · Director appointment
Board meeting · Board composition
2015
13-07
State Gazette act
General meeting · Director appointment
Director resignation · Mandate compensation
09-06
State Gazette act
General meeting · Director reappointment
Auditor reappointment
2012
21-09
State Gazette act
General meeting · Director reappointment
Mandate compensation · Auditor reappointment
29-08
State Gazette act
General meeting · Director reappointment
Mandate compensation · Auditor term end
2011
30-05
State Gazette act
Board meeting · Auditor appointment
Permanent representative
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Namur · 1 establishment unit since 1991
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.
Rue de Jausse(NN) 495100 NamurGround area
2,328 m²
Building footprint
183 m²
Volume, LiDAR
1,856 m³
Parcel 92095B0211/00X006, Wallonia · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Jausse(NN) 49, 5100 Namur
since 19912.236.053.403
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92095B0211/00X006 | Wallonia | 2,328 m² | 1 · 183 m² | 12.3 m · 3 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.
Recognitions · licences · registrations
Legal Entity Identifier
549300E2T5VYMNWRR739
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VAN BRUSSEL & CO
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EMMANUEL COLLIN
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Of 944 companies in sector 69203 we hold annual accounts for 659. 515 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
Founded23-12-1991
Fiscal year end30-09
Activities, NACEBEL 2025
69203Activities of company auditors
69209Other tax advisory services
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.