SA
ActiveSummary
SA has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €13k and a net result of €2k. Equity is growing by ~30.2% per year across the filed fiscal years. Its solvency ranks better than 71% of 9518 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability86▼-12
Solvency97▲+8
Growth52=
Track record94
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 3.41 against 2.52 in 2023; short-term debt: 27.6% and cash: 44.7% of total assets), and 27.6% of the assets are financed with debt.
Credit advice 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
72.4%
Return on assets
13.6%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
28 d late
2023
85 d late
2022
72 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€38k
EBIT margin
20.7%
Net result
€2k▼ 37.6%
2023 · €4k
2022: €6k
2023: €4k
2022 → 2024
Working capital
€12k▲ 31.7%
2023 · €9k
2022: €4k
2023: €9k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Turnover€38k-
Equity€6k-€10k▲ 59.3%€13k▲ 23.2%
Operating result€8k-€5k▼ 32.9%€4k▼ 28.2%
Net result€6k-€4k▼ 35.6%€2k▼ 37.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 28% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €17k
Fixed assets
€1k ▼ 29.0%
Current assets
€16k ▲ 12.4%
Equity and liabilities €17k
Equity
€13k ▲ 23.2%
Debt
€5k ▼ 16.9%
Debt's share of the balance-sheet total falls from 36.1% to 27.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€4k▼
2023 · €6k
Cash flow
€3k▼
2023 · €4k
Current ratio
3.41▲
2023 · 2.52
Debt to equity
0.38▼
2023 · 0.57
ROE
18.8%▼
2023 · 37.2%
ROA
13.6%▼
2023 · 23.8%
Interest coverage
23.94▼
2023 · 36856.13
Debt ≤ 1 year
€5k▼
2023 · €6k
Income taxes
€1k▼
2023 · €2k
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 · 2024 against 2023 · 31 lines
Balance sheet
Code20232024
Assets
Total assets20/58€16k€17k▲
Formation expenses20€0-
Fixed assets21/28€1k€1k▼
Tangible fixed assets22/27€1k€1k▼
Plant, machinery and equipment23€1k€1k▼
Current assets29/58€14k€16k▲
Amounts receivable within one year40/41€4k€9k▲
Trade receivables40€4k€7k▲
Other amounts receivable41-€1k
Cash at bank and in hand54/58€10k€8k▼
Equity and liabilities
Total equity and liabilities10/49€16k€17k▲
Equity10/15€10k€13k▲
Contributions10/11€500€500=
Profit (loss) carried forward14€10k€12k▲
Amounts payable17/49€6k€5k▼
Amounts payable within one year42/48€6k€5k▼
Taxes, remuneration and social security45€6k€5k▼
Taxes450/3€6k€5k▼
Other amounts payable47/48€0-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€553€413▼
Other operating charges640/8€819€2k▲
Gross operating margin9900€7k€6k▼
Operating profit (loss)9901€5k€4k▼
Financial charges65/66B€0€178▲
Recurring financial charges65€0€178▲
Profit (loss) for the period before taxes9903€5k€4k▼
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€4k€2k▼
Profit (loss) for the period to be appropriated9905€4k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€12k▲
Profit (loss) brought forward from the previous period14P€6k€10k▲
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €2k ▼37.6%
Net result drops to €2k, the lowest in the series.
24-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 85 days late
2023
11-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 72 days late
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, Chiny · 1 establishment unit since 2022
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 Suxy,Les Bulles 16811 ChinyGround area
194 m²
Building footprint
149 m²
Volume, LiDAR
982 m³
Parcel 85023A1531/00A002, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Suxy,Les Bulles 1, 6811 Chiny
since 20222.328.357.712
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 85023A1531/00A002 | Wallonia | 194 m² | 1 · 149 m² | 8.4 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.
Similar companies · same sector, comparable size
HanClusive
BE 1017.249.490
Zandhoven · Eq €12,512
SCRIBAPRO
BE 0791.352.922
Mettet · Eq €12,546
ICI SOLUTIONS
BE 0464.082.048
Welkenraedt · Eq €12,573
VIPERE
BE 0798.418.579
Sint-Gillis (bij-Brussel) · Eq €12,616
Bureau Conseil JMV
BE 0833.456.959
Les Bons Villers · Eq €12,414
Of 11,222 companies in sector 82100 we hold annual accounts for 3,510. 1,958 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
Founded11-02-2022
Fiscal year end31-12
Activities, NACEBEL 2025
82100Office administrative and support services
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:christian.thiry@belgacom.net
Phone:0496995191