SAPPHIRE OOSTENDE
ActiveSAPPHIRE OOSTENDE has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28k and a net result of €472. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 94% of 4610 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (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
Profitability71
Solvency100=
Growth75▲+20
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 3.63 against 4.83 in 2024; short-term debt: 11.5% and cash: 2.9% of total assets), and 11.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
on the day
2024
2 d early
2023
1 d early
2022
3 d late
2021
2 d early
2017
49 d late
2016
9 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close21-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€28k▲ 1.7%
2024 · €27k
2021: €27k
2022: €27k
2023: €27k
2024: €27k
2021 → 2025
Total assets
€31k▲ 6.1%
2024 · €30k
2021: €30k
2022: €30k
2023: €30k
2024: €30k
2021 → 2025
Net result
€472
Working capital
€9k▲ 8.7%
2024 · €9k
2021: €9k
2022: €9k
2023: €9k
2024: €9k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€27k=€27k=€27k=€28k▲ 1.7%
Operating result€483
Net result€472
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
2025 is the only fiscal year with figures: the operating result is €483.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €31k
Fixed assets
€18k▼ 1.5%
Current assets
€13k▲ 19.0%
Equity and liabilities €31k
Equity
€28k▲ 1.7%
Debt
€4k▲ 58.5%
The debt ratio rises from 7.7% to 11.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€767
Cash flow
€756
Solvency
88.5%▼
2024 · 92.3%
Current ratio
3.63▼
2024 · 4.83
Quick ratio
3.63▼
2024 · 4.83
Debt / equity
0.13▲
2024 · 0.08
ROE
1.7%
ROA
1.5%
Interest coverage
68.19
Debt
€4k▲
2024 · €2k
Debt ≤ 1 year
€4k▲
2024 · €2k
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€30k€31k▲
Fixed assets21/28€19k€18k▼
Tangible fixed assets22/27€19k€18k▼
Land and buildings22€1k€875▼
Plant, machinery and equipment23€18k€18k=
Current assets29/58€11k€13k▲
Amounts receivable within one year40/41€11k€12k▲
Trade receivables40€11k€12k▲
Cash at bank and in hand54/58-€906
Equity and liabilities
Total equity and liabilities10/49€30k€31k▲
Equity10/15€27k€28k▲
Contributions10/11€30k€30k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-4k€-4k▲
Amounts payable17/49€2k€4k▲
Amounts payable within one year42/48€2k€4k▲
Trade debts44€272€2k▲
Suppliers440/4€272€2k▲
Taxes, remuneration and social security45-€41
Taxes450/3-€41
Other amounts payable47/48€2k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€284
Other operating charges640/8-€387
Gross operating margin9900-€1k
Operating profit (loss)9901-€483
Financial charges65/66B-€11
Recurring financial charges65-€11
Profit (loss) for the period before taxes9903-€472
Profit (loss) for the period9904-€472
Profit (loss) for the period to be appropriated9905-€472
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€-4k▲
Profit (loss) brought forward from the previous period14P€-4k€-4k=
The notes to these accounts (4 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2017
19-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 49 days late
2016
09-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 9 days late
2015
31-10
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
04-02
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema · 96 days late
NBB filing
Directors · office · real estate
Directors
2 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, Oostende · 1 establishment unit since 2024
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.
Spaarzaamheidstraat 338400 OostendeGround area
294 m²
Building footprint
243 m²
Volume, LiDAR
1,331 m³
Parcel 35384A0106/00X014, Flanders · tallest building 10.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Spaarzaamheidstraat 33, 8400 Oostende
since 20242.357.711.692
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35384A0106/00X014 | Flanders | 294 m² | 1 · 243 m² | 10.7 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.
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Of 24,863 companies in sector 96220 we hold annual accounts for 1,443. 1,177 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-04-2012
Fiscal year end31-03
Activities, NACEBEL
96022Beauty treatment
96220Beauty care and other beauty treatments
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.