Liquidity
21.41 was 14.04 in 2024
Short-term debts fell from €4,270 to €3,069.
S.A.I.L.
Lifetime
20 annual accounts with figures on one time axis, 30 filings since 1996peak €385,680 (2007)
€45,867▼ 15.3%
lowest -€70,397 (2008)
€6,808▼ 34.2%
peak €62,650 (2025)
€62,650▲ 12.2%
€3,069▼ 30.5%
peak 1.9 FTE (2006)
-not published
Board2 names since 1995
2 directorsKAISER Alain and 1 other
Documentsfilings and deeds
27-08-202627 days late
2025micro format
Turnover from €54,141 to €45,867Gross margin from €16,144 to €9,578Result from €10,351 to €6,808Equity from €55,842 to €62,650Debts from €4,418 to €3,069
Key points
from the 2025 annual accountsFilings
30 annual accounts since 1996
Ten of the last ten came late. The 2019 accounts came latest: 31 days after the end of the period.
Position in the sector
95.3%
Higher solvency than 95% of companies in computer programming and consultancy. Sector median 60.0% · 21,208 companies.
Checked score
96
Excellent
Financially stronger than 68% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025highest value
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025lowest value
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Size: turnover €45,867, total assets €65,719
lowers risk
Liquidity: current ratio 21.41, cash €58,957
Equity €62,650 (95.3% of total assets)
Sector: Computer programming, consultancy and related activities (NACE 62)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 85% of them on solvency, 96% on liquidity, 51% on profitability and 42% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 31,368 companies had the same profile as S.A.I.L. has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of S.A.I.L. itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 31,368 companies, not a prediction for S.A.I.L.. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €4,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 21.41 (14.04 in 2024), above the usual 1.5. Short-term debt is 4.7% and cash 89.7% of total assets. 4.7% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 27 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
27 days late
2024
28 days late
2023
24 days late
2022
28 days late
2021
30 days late
2020
25 days late
2019
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 28 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0456468835
Change of role: KAISER Alain, from manager to director
Registered office clause: Walloon Region · General meeting of 14-09-2022 · Gazette deed
First establishment
Neffe 53, Bastogne
Incorporation
published on 20-12-1995 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| S.A.I.L. Bastogne | €45,867 | 19.2% | 95.3% | - |
| JVA KONSULENT BEDRIJFSAUTOMATISERING Houffalize | - | - | 93.3% | - |
| 2Collect Hulshout | - | - | 84.2% | - |
| SOPTIC Sint-Gillis (bij-Brussel) | €12,000 | 82.9% | 90.3% | - |
| SUN POWER ENERGY Tervuren | - | - | -72.4% | - |
| MB A.G. Bièvre | - | - | -14.2% | - |
| Special Time Services Hasselt | - | - | 10.6% | - |
Grey: the largest companies of the sector (computer programming and consultancy (NACE 62)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as S.A.I.L.: computer programming (NACE 62100). They are comparable in size and age: total assets between €53,900 and €81,200, founded between 1992 and 1996.
Official details
Source: KBO- Status
- Active since 28-11-1995Normal situation
- Activity
- Computer programmingNACE 62100
- Establishment unit
- 2.074.224.5416600 Bastogne, since 11-12-1995
- Financial year end
- 31 December
- Peppol
- Reachable since 02-06-2025
Insights on S.A.I.L.
S.A.I.L. has existed since 1995. Turnover fell from €385,680 in 2007 to €109,802 in 2009 and staff from 1.9 to 0.5 full-time equivalents.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about S.A.I.L.
- What is the company number of S.A.I.L.?
- The company number of S.A.I.L. is 0456.468.835. The VAT number is the same number with BE in front: BE 0456.468.835.
- Where is S.A.I.L. based?
- The registered office is at Neffe 53, 6600 Bastogne.Company details
- What does S.A.I.L. do?
- According to the KBO register, the main activity is computer programming (NACE 62100).
- What is the legal form of S.A.I.L.?
- S.A.I.L. is a private limited company (BV).
- When was S.A.I.L. founded?
- S.A.I.L. was founded on 28-11-1995.
- Is S.A.I.L. still active?
- Yes, S.A.I.L. is an active enterprise in the KBO register.
- What is the turnover of S.A.I.L.?
- The turnover of S.A.I.L. was €45,867 in financial year 2025, according to the filed annual accounts.Financials
- Is S.A.I.L. profitable?
- In financial year 2025, S.A.I.L. made a profit of €6,808.
- Where can I find the annual accounts of S.A.I.L.?
- S.A.I.L. filed 30 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of S.A.I.L. due?
- S.A.I.L. must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.