SINTOCK is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €375k and a net result of €319k. Equity is growing by ~29.8% per year across the filed fiscal years. Its solvency ranks better than 84% of 8006 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
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
4 d early
2024
9 d early
2023
8 d early
2022
6 d early
2021
12 d early
2020
3 d early
2019
32 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€375k▲ 26.5%
2024 · €296k
2019: €52k
2020: €183k
2021: €349k
2022: €5k
2023: €223k
2024: €296k
2019 → 2025
Net result
€319k▲ 16.4%
2024 · €274k
2019: €47k
2020: €131k
2021: €166k
2022: €176k
2023: €218k
2024: €274k
2019 → 2025
Total assets
€437k▲ 15.8%
2024 · €377k
2019: €80k
2020: €254k
2021: €459k
2022: €109k
2023: €282k
2024: €377k
2019 → 2025
Solvency
85.9%▲ 7.3pp
2024 · 78.7%
2019: 64.5%
2020: 72.0%
2021: 76.0%
2022: 4.6%
2023: 79.0%
2024: 78.7%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€349k-€5k▼ 98.6%€223k▲ 4,350%€296k▲ 33.2%€375k▲ 26.5%
Operating result€213k-€232k▲ 8.7%€287k▲ 24.0%€365k▲ 26.9%€423k▲ 15.9%
Net result€166k-€176k▲ 6.3%€218k▲ 23.5%€274k▲ 25.9%€319k▲ 16.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 16% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €437k
Fixed assets
€36k▲ 20.1%
Current assets
€400k▲ 15.4%
Equity and liabilities €437k
Equity
€375k▲ 26.5%
Debt
€61k▼ 23.7%
The debt ratio falls from 21.3% to 14.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
85.9%▲
2024 · 78.7%
ROE
85.0%▼
2024 · 92.4%
ROA
73.0%▲
2024 · 72.7%
Debt
€61k▼
2024 · €80k
Debt ≤ 1 year
€61k▼
2024 · €80k
Income taxes
€103k▲
2024 · €90k
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€377k€437k▲
Fixed assets21/28€30k€36k▲
Tangible fixed assets22/27€30k€36k▲
Furniture and vehicles24€30k€36k▲
Current assets29/58€347k€400k▲
Amounts receivable within one year40/41€83k€131k▲
Trade receivables40€83k€131k▲
Cash at bank and in hand54/58€263k€270k▲
Deferred charges and accrued income490/1€957€0▼
Equity and liabilities
Total equity and liabilities10/49€377k€437k▲
Equity10/15€296k€375k▲
Contributions10/11€5k€5k=
Reserves13€291k€370k▲
Distributable reserves133€291k€370k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€80k€61k▼
Amounts payable within one year42/48€80k€61k▼
Trade debts44€7k€2k▼
Suppliers440/4€7k€2k▼
Taxes, remuneration and social security45€71k€56k▼
Taxes450/3€67k€52k▼
Remuneration and social security454/9€4k€4k=
Other amounts payable47/48€3k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€16k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€382k€440k▲
Operating profit (loss)9901€365k€423k▲
Financial income75/76B€1k€0▼
Recurring financial income75€1k€0▼
Financial charges65/66B€2k€860▼
Recurring financial charges65€2k€860▼
Profit (loss) for the period before taxes9903€364k€422k▲
Income taxes67/77€90k€103k▲
Profit (loss) for the period9904€274k€319k▲
Profit (loss) for the period to be appropriated9905€274k€319k▲
Appropriation of the result
Profit (loss) to be appropriated9906€274k€319k▲
Transfer from equity791/2€200k€240k▲
Transfer to equity691/2€274k€319k▲
To the legal reserve6920€274k-
To other reserves6921-€319k
Profit to be distributed694/7€200k€240k▲
Return on contributions (dividend)694€200k€240k▲
The notes to these accounts (6 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €319k ▲16.4%
Operating result €423k, net result €319k, both a record.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 3.99
Current ratio from 1.02 to 3.99; short-term debt falls from €104k to €59k.
31-12
Financial
Equity above €200kEq €223k ▲4350%
5 profitable years in a row build equity to €223k.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €349k ▲90.6%
3 profitable years in a row build equity to €349k.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €183k ▲254%
2 profitable years in a row build equity to €183k.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2019
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.
Molenstraat 929150 Beveren-Kruibeke-ZwijndrechtGround area
253 m²
Building footprint
103 m²
Volume, LiDAR
571 m³
Parcel 46013A0752/00V005, Flanders · tallest building 10.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SINTOCK
since 20192.288.913.156
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46013A0752/00V005 | Flanders | 253 m² | 1 · 102 m² | 10.2 m · 1 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.
Similar companies · same sector, comparable size
VDM CONSULT
BE 0891.942.219
Izegem · Eq €375k
APOLLO FABRICS
BE 0779.416.279
Ieper · Eq €375k
PI One
BE 0835.592.246
Spiere-Helkijn · Eq €375k
DBUILD
BE 0673.723.792
Maasmechelen · Eq €375k
N4&VLAM
BE 0741.701.887
Ieper · Eq €375k
Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 13,768 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-05-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
71121Engineering and related technical consultancy, excluding land surveyors
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.