Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 26 % of short-term debt in 2024; threshold 65 %.
Financials
Financial year 2024
SGI from Ath, company number BE0546938557, closed financial year 2024 with a result of € 18,108 after tax. For that financial year SGI recorded a gross margin of € 513,045 and equity of € 498,285. Compared with financial year 2023, the result moved from € 52,940 to € 18,108. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on January 20, 2026.
€ 498,285
▲ 4% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 18,108
▼ 66% vs 2023
Profit after tax over the fiscal year.
Stays in the company
No dividend for 2024. Retained profit grew to € 483,805.
People and assets in 2024
€ 323,403
▲ 12% vs 2023
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 7,970
▼ 54% vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
€ 443,005
▼ 14% vs 2023
€ 96,221 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 224,765
Supplier invoices still open on the last day of the fiscal year.
€ 81,728
▼ 1% vs 2023
Taxes, VAT and social contributions still to pay.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 331,153 | € 397,099 | € 521,755 | € 513,045 | ▼ 2% |
| Profit after taxes | € 51,112 | € 35,166 | € 52,940 | € 18,108 | ▼ 66% |
| Equity | € 392,071 | € 427,237 | € 480,177 | € 498,285 | ▲ 4% |
| Total debts | € 938,263 | € 1,245,928 | € 1,084,181 | € 946,478 | ▼ 13% |
| Cash | € 553,438 | € 24,207 | € 377 | - | |
| Retained profit | € 377,591 | € 412,757 | € 465,697 | € 483,805 | ▲ 4% |
| Bank debt | € 262,178 | € 612,789 | € 512,637 | € 443,005 | ▼ 14% |
| Balance sheet total | € 1,330,334 | € 1,673,164 | € 1,564,358 | € 1,444,763 | ▼ 8% |
Key figures of SGI, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to SGI?
What happened at SGI in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: profit of € 18,108 (▼ 66% vs 2023). filed late Source: NBB ↗
- New establishment in Charleroi. KBO
- New establishment in Saint-Ghislain. KBO
- New establishment in Charleroi. KBO
- Start of the company according to the CBE. KBO
In short
From € 51,112 profit in 2021 to € 18,108 profit in 2024.
Paid € 97,849 in corporate taxes since 2021.
Best year ever: 2023, with € 52,940 profit.
A new publication or filing at SGI? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Directors
According to the 2024 annual accounts
ALAIN SPITERI
Director
Establishments
Establishment units
Physical locations of this company
Rue Foucaumont(VSA) 83
7812 Ath
Rue Vandervelde 84
6041 Charleroi
Active since 27 February 2014
Rue de l'Abattoir(SG) 51
7330 Saint-Ghislain
Active since 1 March 2019
Rue Masses Diarbois 91
6043 Charleroi
Active since 12 October 2021
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0546.938.557
- VAT number
- BE 0546.938.557
- Registered office
- Rue Foucaumont(VSA) 83, 7812 Ath
- Names & denominations
- SGI
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 27 February 2014
- Peppol
- Active · Active since 16 Feb 2026
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars