SRAF Invest
ActiveSummary
SRAF Invest has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-3k) and a net result of €-3k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its net result ranks better than 32% of 14080 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
No current score
Insufficient figures
A score requires measurable solvency, liquidity and profitability. Missing figures are not a judgement about the company.
Axes · tick = 2024
Profitability-
Solvency-
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-3k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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 · 10 filingsDeviation from the deadline
2025
21 d late
2024
on the day
2023
6 d late
2022
7 d late
2021
1 d late
2020
24 d late
2019
42 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-3k
2024 · €0
2018: €13k
2019: €23k
2020: €9k
2021: €1k
2022: €1k
2023: €8k
2024: €0
2018 → 2025
Total assets
€15k▼ 6.5%
2022 · €16k
2018: €103k
2019: €93k
2020: €35k
2021: €22k
2022: €16k
2018 → 2023
Net result
€-3k▲ 77.4%
2024 · €-13k
2018: €3k
2019: €10k
2020: €-14k
2021: €-8k
2022: €11
2023: €7k
2024: €-13k
2018 → 2025
Working capital
€-4k▲ 61.5%
2022 · €-12k
2018: €-13k
2019: €3k
2020: €-6k
2021: €-8k
2022: €-12k
2018 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1k-€1k▲ 1.0%€8k▲ 694%€0▼ 100%€-3k
Operating result€-5k-€368€8k▲ 2,009%€-13k€-3k▲ 77.2%
Net result€-8k-€11€7k▲ 67,588%€-13k€-3k▲ 77.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €13k in 2024; the loss shrinks.
Key figures and ratios
Debt to equity
-1.00
Debt
€3k
Debt ≤ 1 year
€3k
Filed annual accounts As filed with the NBB · 2025 against 2024 · 20 lines
Balance sheet
Code20242025
Equity and liabilities
Total equity and liabilities10/49€0€0=
Equity10/15€0€-3k▼
Contributions10/11€30k€30k=
Reserves13€3k€3k=
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€-33k€-36k▼
Amounts payable17/49-€3k
Amounts payable within one year42/48-€3k
Other amounts payable47/48-€3k
Income statement
Code20242025
Non-recurring operating charges66A€13k-
Gross operating margin9900-€-3k
Operating profit (loss)9901€-13k€-3k▲
Financial charges65/66B€101-
Recurring financial charges65€101-
Profit (loss) for the period before taxes9903€-13k€-3k▲
Profit (loss) for the period9904€-13k€-3k▲
Profit (loss) for the period to be appropriated9905€-13k€-3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-38k€-36k▲
Profit (loss) brought forward from the previous period14P€-25k€-33k▼
Shareholders' contribution to the loss794€5k-
The notes to these accounts (3 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
2022
31-12
Financial
Back to profitnet €11
Net result €11 after 2 loss-making years.
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Weakest financial yearnet €-14k ▼236%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
11-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 42 days late
2019
31-12
Financial
Highest result since 2018net €10k ▲238%
Operating result €13k, net result €10k, both a record.
08-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 8 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
04-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Charleroi · 1 establishment unit since 2008
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 du Coucou 1516010 CharleroiGround area
635 m²
Building footprint
152 m²
Volume, LiDAR
1,268 m³
2 parcels, Wallonia · tallest building 13.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
PRB DRESSAGE
since 20082.170.259.885
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25101B0500/00V002 | Wallonia | 380 m² | 1 · 85 m² | 7.7 m · 2 fl. |
| 52014B0115/00A004 | Wallonia | 255 m² | 1 · 67 m² | 13.0 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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CHALAU
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Solid Team
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Of 9,140 companies in sector 68201 we hold annual accounts for 6,769. 1,404 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
Founded27-02-2008
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:pierrebeaupere@hotmail.com
Phone:+33764069694