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Active
BE 0790.461.413Private limited companyOpen bankruptcy
S.A.F. 82
Groenstraat 2 ·9041 Gent, Belgium· 3 yrs active
Sector: General cleaning of buildings
(81210)
Conclusion
A bankruptcy procedure is open for S.A.F. 82 according to publications in the Belgian State Gazette. The 2023 annual accounts show equity of €23k and a net result of €23k.
Based on the State Gazette, CBE and 1 annual account.
Key figures
| Equity | €23k |
| Net result | €23k |
| Staff (FTE) | 224126.9 |
| Better than sector | 32% |
Snowflake analysis
30
/ 100
Fragile profile — watch health in particular.
Health
0
Profitability
76
Solvency
24
Growth
50
Stability
0
Bankruptcy probability (12 mo)
Bankruptcy opened
A bankruptcy procedure is already open — a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.
Risk Assessment
50 / 100
High riskComponents
· Open bankruptcy (+50)
Trust signals
Open bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.
Administrative Flags
No administrative flags
Health barometer
0
/ 100
Critical
Unlock the full score breakdown, per-year score history and the indicative credit limit from Starter.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative — not credit advice.
Financial overview
Annual accounts filed on 06-06-2024 with the NBB · fiscal year 2023 · volledig
Sector comparison
Fiscal year 2023 · NACE 81 — Cleaning & landscape services · compared across all schema types (micro, abbreviated and full combined)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 15.4% | 27.9% | |
| Net result | €23k | €9k | |
| Equity | €23k | €17k | |
| Staff costs | €224k | €20k | |
| Total assets | €153k | €66k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2023 |
|---|---|
| Revenue | €429k |
| EBITDA | — |
| Net profit | €23k |
| Cash flow | — |
| Staff costs | €224k |
| Income taxes | — |
| Dividends | — |
| Total assets | €153k |
| Equity | €23k |
| Debt | €129k |
| of which ≤ 1y | €129k |
| of which > 1y | — |
| Working capital | €17k |
| Employees (FTE) | 224126.9 |
Ratios (computed)
| 2023 | |
|---|---|
| Current ratio | 1.14 |
| Quick ratio | 1.14 |
| Working capital ratio | 11.4% |
| Solvency | 15.4% |
| Debt / equity | 5.51 |
| Long-term debt ratio | — |
| Interest coverage | — |
| Gross margin | 73.8% |
| Net margin | 5.5% |
| ROA | 15.4% |
| ROE | 100.0% |
| EBITDA margin | — |
| Days sales outstanding | 73d |
| Days payable outstanding | 406d |
| Inventory turnover | — |
| Days inventory (DSI) | — |
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet — Assets | ||
| TOTAL ASSETS | 20/58 | €153k |
| Fixed assets | 21/28 | €992 |
| Formation expenses | 20 | €5k |
| Tangible fixed assets | 22/27 | €992 |
| Current assets | 29/58 | €147k |
| Amounts receivable within one year | 40/41 | €110k |
| Cash & bank | 54/58 | €37k |
| Balance sheet — Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €153k |
| Equity | 10/15 | €23k |
| Accumulated profits (losses) | 14 | €23k |
| Amounts payable | 17/49 | €129k |
| Amounts payable within one year | 42/48 | €129k |
| Trade debts payable within one year | 44 | €125k |
| Income statement | ||
| Turnover | 70 | €429k |
| Operating result | 9901 | €23k |
| Result before taxes | 9903 | €23k |
| Net result for the period | 9904 | €23k |
| Result to be appropriated | 9905 | €23k |
Ratios computed by Checked.
Directors & mandates
| Role | Name | Tenure | Source |
|---|---|---|---|
| Curator | BOB CAMMAERT TONDELIERLAAN 15 BUS 701,
9000 GENT |
27-12-2024 → present | Belgian State Gazette |
Legal Structure
| NACE primary | General cleaning of buildings(81210) |
| Legal form | Private limited company(610) |
| Incorporation | 05-09-2022 |
| Status | Active |
| Postal code | 9041 |
| First BS signal | 08-01-2025 |
| Latest BS signal | 08-01-2025 |
Company structure — linked entities
Mandates
↔
1
of these mandate-holders are active on other cases — click any red card to open that KBO.
Establishment units
DE KOEBEL
since 20222.334.926.392
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates — not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44051B1655/02G000 | Flanders | 2,023 m² | 1 · 660 m² | 7.8 m · 1 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data — this is not proof of ownership.
Updates
A single timeline of everything that happened to this company — publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
2025
08-01-2025
Bankruptcy
Opening
2024
06-06-2024
NBB filing
Annual accounts filed
Lifecycle & Insolvency Signals
08-01-2025
Bankruptcy
Opening
Time machine — BS events + macro context
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023–2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Credit advice
AI due-diligence brief
Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
Coming soon
AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE)
Activities
Algemene reiniging van gebouwen81210Algemene reiniging van gebouwen81210Catering56210Catering van evenementen56210
Primary activity highlighted.
Names & trade names
| Legal nameFR | S.A.F. 82 |
| Legal nameNL | S.A.F. 82 |
Registered office
Groenstraat 2
9041 Gent, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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