S.A.I.L.
ActiveS.A.I.L. has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €63k and a net result of €7k. Equity is growing by ~6% per year across the filed fiscal years. Its solvency ranks better than 95% of 16989 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
96
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▼-5
Solvency100=
Growth66▼-4
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 21.41 against 14.04 in 2024; short-term debt: 4.7% and cash: 89.7% of total assets), and 4.7% 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 →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
95.3%
Return on assets
10.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
28 d late
2023
24 d late
2022
28 d late
2021
30 d late
2020
25 d late
2019
31 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€46k▼ 15.3%
2024 · €54k
2018: €37k
2019: €40k
2020: €37k
2021: €39k
2022: €33k
2023: €41k
2024: €54k
2018 → 2025
EBIT margin
19.2%▼ 9.0pp
2024 · 28.2%
2018: 1.5%
2019: 4.8%
2020: 16.6%
2021: 3.9%
2022: -15.9%
2023: 11.1%
2024: 28.2%
2018 → 2025
Net result
€7k▼ 34.2%
2024 · €10k
2018: €432
2019: €1k
2020: €4k
2021: €1k
2022: €-5k
2023: €5k
2024: €10k
2018 → 2025
Working capital
€63k▲ 12.5%
2024 · €56k
2018: €40k
2019: €41k
2020: €45k
2021: €45k
2022: €40k
2023: €45k
2024: €56k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€39k-€33k▼ 15.4%€41k▲ 25.8%€54k▲ 32.1%€46k▼ 15.3%
Equity€46k-€41k▼ 11.3%€45k▲ 11.2%€56k▲ 22.8%€63k▲ 12.2%
Operating result€2k-€-5k€5k€15k▲ 236%€9k▼ 42.2%
Net result€1k-€-5k€5k€10k▲ 125%€7k▼ 34.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 42% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €66k
Equity
€63k▲ 12.2%
Debt
€3k▼ 30.5%
The debt ratio falls from 7.3% to 4.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€9k▼
2024 · €16k
Cash flow
€7k▼
2024 · €11k
Solvency
95.3%▲
2024 · 92.7%
Current ratio
21.41▲
2024 · 14.04
Quick ratio
21.41▲
2024 · 14.04
Debt / equity
0.05▼
2024 · 0.08
ROE
10.9%▼
2024 · 18.5%
ROA
10.4%▼
2024 · 17.2%
Interest coverage
700.94▲
2024 · 144.08
Debt
€3k▼
2024 · €4k
Debt ≤ 1 year
€3k▼
2024 · €4k
Income taxes
€3k▼
2024 · €5k
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€60k€66k▲
Fixed assets21/28€288€0▼
Tangible fixed assets22/27€288€0▼
Plant, machinery and equipment23€288€0▼
Current assets29/58€60k€66k▲
Amounts receivable within one year40/41€2k€6k▲
Trade receivables40€2k€175▼
Other amounts receivable41€0€6k▲
Cash at bank and in hand54/58€58k€59k▲
Deferred charges and accrued income490/1-€679
Equity and liabilities
Total equity and liabilities10/49€60k€66k▲
Equity10/15€56k€63k▲
Contributions10/11€19k€19k=
Reserves13€37k€44k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€37k€44k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€4k€3k▼
Amounts payable within one year42/48€4k€3k▼
Trade debts44€0€0=
Suppliers440/4€0€0=
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€4k€3k▼
Remuneration and social security454/9€0€0=
Other amounts payable47/48€127€0▼
Accrued charges and deferred income492/3€148€0▼
Income statement
Code20242025
Turnover70€54k€46k▼
Goods, raw materials, services and sundry goods60/61€38k€36k▼
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€346€288▼
Other operating charges640/8€536€465▼
Gross operating margin9900€16k€10k▼
Operating profit (loss)9901€15k€9k▼
Financial income75/76B€0€574▲
Recurring financial income75€0€574▲
Financial charges65/66B€108€13▼
Recurring financial charges65€108€13▼
Profit (loss) for the period before taxes9903€15k€9k▼
Income taxes67/77€5k€3k▼
Profit (loss) for the period9904€10k€7k▼
Profit (loss) for the period to be appropriated9905€10k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€7k▼
Profit (loss) brought forward from the previous period14P€-639-
Transfer to equity691/2€10k€7k▼
To other reserves6921€10k€7k▼
The notes to these accounts (5 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Highest result since 2018net €10k ▲125%
Operating result €15k, net result €10k, both a record.
24-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 24 days late
2023
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Weakest financial yearnet €-5k ▼595%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Bastogne · 1 establishment unit since 1995
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.
Neffe 536600 BastogneGround area
2,043 m²
Building footprint
135 m²
Parcel 82034B0357/00F000, Wallonia. Linked by address, not a title deed.
1 establishment unit
S.A.I.L.
since 19952.074.224.541
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82034B0357/00F000 | Wallonia | 2,043 m² | 1 · 135 m² | - |
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 16,886 companies in sector 62100 we hold annual accounts for 8,776. 6,904 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-11-1995
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
72220
Sources
Crossroads Bank for EnterprisesNational Bank · 30 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.