SAUBEO
ActiveSAUBEO has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €-2k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 59% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability29▼-62
Solvency93▲+27
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.72 against 1.58 in 2024; short-term debt: 30.7% and cash: 23.9% of total assets), and 31.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
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 2025Solvency, return and age of the figures
Solvency
68.2%
Return on assets
-3.3%
Age of the figures
9 mo
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 06-07-2026, 25 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
25 d early
2024
21 d early
2023
21 d early
2022
20 d early
2021
18 d early
2020
25 d early
2019
3 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€34k▼ 4.6%
2024 · €35k
2019: €22k
2020: €38k
2021: €49k
2022: €50k
2023: €50k
2024: €35k
2019 → 2025
Total assets
€49k▼ 41.9%
2024 · €85k
2019: €80k
2020: €89k
2021: €85k
2022: €95k
2023: €77k
2024: €85k
2019 → 2025
Net result
€-2k
2024 · €15k
2019: €17k
2020: €17k
2021: €11k
2022: €7k
2023: €16k
2024: €15k
2019 → 2025
Working capital
€26k▼ 8.2%
2024 · €28k
2019: €20k
2020: €27k
2021: €37k
2022: €40k
2023: €44k
2024: €28k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€49k-€50k▲ 3.6%€50k=€35k▼ 30.1%€34k▼ 4.6%
Operating result€16k-€11k▼ 33.1%€22k▲ 108%€21k▼ 6.5%€760▼ 96.3%
Net result€11k-€7k▼ 40.5%€16k▲ 133%€15k▼ 5.0%€-2k
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; 2025 is 96% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €49k
Fixed assets
€8k▲ 10.2%
Current assets
€41k▼ 46.9%
Equity and liabilities €49k
Equity
€34k▼ 4.6%
Debt
€16k▼ 68.4%
The debt ratio falls from 58.5% to 31.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€3k▼
2024 · €23k
Cash flow
€1k▼
2024 · €18k
Solvency
68.2%▲
2024 · 41.5%
Current ratio
2.72▲
2024 · 1.58
Quick ratio
2.72▲
2024 · 1.58
Debt / equity
0.47▼
2024 · 1.41
ROE
-4.8%▼
2024 · 42.8%
ROA
-3.3%▼
2024 · 17.8%
Interest coverage
1.67▼
2024 · 14.02
Debt
€16k▼
2024 · €50k
Debt ≤ 1 year
€15k▼
2024 · €49k
Income taxes
€310▼
2024 · €4k
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€85k€49k▼
Fixed assets21/28€7k€8k▲
Intangible fixed assets21€520€3k▲
Tangible fixed assets22/27€6k€5k▼
Other tangible fixed assets26€6k€5k▼
Financial fixed assets28€730€730=
Current assets29/58€78k€41k▼
Amounts receivable within one year40/41€19k€26k▲
Trade receivables40€18k€23k▲
Other amounts receivable41€945€3k▲
Cash at bank and in hand54/58€51k€12k▼
Deferred charges and accrued income490/1€7k€4k▼
Equity and liabilities
Total equity and liabilities10/49€85k€49k▼
Equity10/15€35k€34k▼
Contributions10/11€19k€19k=
Reserves13€17k€17k=
Distributable reserves133€17k€17k=
Profit (loss) carried forward14-€-2k
Amounts payable17/49€50k€16k▼
Amounts payable within one year42/48€49k€15k▼
Financial debts43€839€855▲
Credit institutions430/8€839€855▲
Trade debts44€7k€2k▼
Suppliers440/4€7k€2k▼
Taxes, remuneration and social security45€12k€9k▼
Taxes450/3€12k€9k▼
Other amounts payable47/48€30k€3k▼
Accrued charges and deferred income492/3€529€570▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€601€365▼
Gross operating margin9900€24k€4k▼
Operating profit (loss)9901€21k€760▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€19k€-1k▼
Income taxes67/77€4k€310▼
Profit (loss) for the period9904€15k€-2k▼
Profit (loss) for the period to be appropriated9905€15k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€-2k▼
Transfer from equity791/2€15k-
Profit to be distributed694/7€30k-
Return on contributions (dividend)694€30k-
The notes to these accounts (9 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-2k ▼111%
Net result drops to €-2k, the lowest in the series.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Soumagne · 1 establishment unit since 2018
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 Rafhay 1984630 SoumagneGround area
715 m²
Building footprint
109 m²
Volume, LiDAR
761 m³
Parcel 62099D0163/00L000, Wallonia · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SAUBEO
since 20182.279.602.047
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62099D0163/00L000 | Wallonia | 715 m² | 1 · 109 m² | 9.0 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
MSM SOLUTIONS
BE 0792.563.442
Sint-Pieters-Leeuw · Eq €34k
AD WEB DEVELOPMENT
BE 1017.220.093
Watermaal-Bosvoorde · Eq €34k
VEEBLEFETZER
BE 0782.560.267
Antwerpen · Eq €34k
AMODAMO
BE 0797.635.552
Antwerpen · Eq €34k
SO MATCH
BE 0779.672.835
Ottignies-Louvain-la-Neuve · Eq €34k
Of 16,869 companies in sector 62100 we hold annual accounts for 8,779. 6,473 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-09-2018
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
47400Retail sale of information and communication equipment
47410Retail trade
58290Other software publishing
62020IT consultancy
62030Computer programming, consultancy and related activities
62200Computer consultancy and computer facilities management
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.