Financials
- Fiscal year
- 2025
- Total assets
- €625
- Loss
- -€15,001
- Solvency
- -4495.7%
CHEZ SARA
ActiveSummary
The computed 12-month bankruptcy probability of CHEZ SARA is 6.3% (elevated). The 2025 annual accounts show negative equity (-€28,115) and a net result of -€15,001. Its solvency ranks better than 5% of 4567 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Cafés and bars
NACE 56301
1 site
Size
€625total assets 2025
- Equity
- -€28,115
- Loss
- -€15,001
Turnover not published (abridged schema)
Structure
Accounts filed 63 d late0 of 4 deeds read
Why 33- Sector Food and beverage service activities (NACE 56)- Latest accounts 63 days late; 2 of the last 3 late- 1 change of registered office in 24 months+ Legal form General partnershipShow the evidence
Checked score
Score 2025
33
/ 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 9% of its sector peers (NACE 56, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2023
Weak
Solvency
0=
equity -4495.7% of total assets
Liquidity
10-40
short-term debt 4595.7% · cash 7.8%
Profitability
0=
return on assets -2398.7%
Bankruptcy probability, 12 months
6.3%
Elevated
0%0.5%1.5%4%10%≥ 25%
About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 9.9%
12-2024: 10.4%▲ +5.4% vs 11-2024
01-2025: 10.5%▲ +1.1% vs 12-2024
02-2025: 10.5%● 0.0% vs 01-2025
03-2025: 10.5%● 0.0% vs 02-2025
04-2025: 10.5%● 0.0% vs 03-2025
05-2025: 10.5%● 0.0% vs 04-2025
06-2025: 10.5%● 0.0% vs 05-2025
07-2025: 10.5%● 0.0% vs 06-2025
08-2025: 10.6%▲ +0.5% vs 07-2025
09-2025: 10.6%▼ -0.2% vs 08-2025
10-2025: 10.6%● 0.0% vs 09-2025
11-2025: 16.1%▲ +52.3% vs 10-2025highest value
12-2025: 10.2%▼ -36.5% vs 11-2025
01-2026: 10.2%● 0.0% vs 12-2025
02-2026: 10.2%● 0.0% vs 01-2026
03-2026: 10.2%▲ +0.2% vs 02-2026
04-2026: 10.3%▲ +0.6% vs 03-2026
05-2026: 10.3%● 0.0% vs 04-2026
06-2026: 6.6%▼ -35.8% vs 05-2026
07-2026: 6.6%● 0.0% vs 06-2026
08-2026: 6.6%● 0.0% vs 07-2026
09-2026: 6.2%▼ -6.4% vs 08-2026lowest value
10-2026: 6.3%▲ +2.0% vs 09-2026
- Sector Food and beverage service activities (NACE 56) raises the probability
- Latest accounts 63 days late; 2 of the last 3 late raises the probability
- Legal form General partnership lowers the probability
- 1 change of registered office in 24 months raises the probability
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 56, micro). Better than this share of them on solvency 9%, liquidity 9%, profitability 8%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2325
2023 to 2025 · latest year -€28,115
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-10-2026, 63 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 · 2 filingsDeviation from the deadline
2025
63 d late
2023
793 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 428 days after the deadline; the sector median for financial year 2023 is 14 days after the deadline, and 55% of the sector filed late.
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
06-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Annual accounts filedfiscal year 2023 · abbreviated…
Key points
By topic
Timeline
- Events
- 2
- Since
- 2026
- Next accounts
- by 31-07-2027
- 02-10-2026Annual accounts filed
- 02-10-2026Annual accounts filed
Company details
- Sites
- 1
- Legal form
- General partnership
- Activity
- Cafés and barsNACE 56301
- Founded
- 17-01-2023
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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