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S.A.W.

Active
Public limited companyfounded 200719 yrs activeHoekje 127, 9950 Lievegem, BelgiumKBO/BCE: BE 0889.917.590
Summary

S.A.W. has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €982,108 and a net result of €41,804. Equity is growing by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 92% of 16076 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
S.A.W.ActiveChecked score 96/100
Risk analysis ReportCompare

Overview

Activity
Real estate activities
NACE 68204
1 site
Size
€1.1mtotal assets 2025
Equity
€982,108
Profit
€41,804
Turnover not published (abridged schema)
Financial health
96 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Accounts 1 d early0 of 4 deeds read
Why 96- Figures for FY 2025 (filed 07-11-2025)+ Size: total assets €1.1m+ Equity €982,108 (90.5% of total assets)+ Legal form Public limited companyShow the evidence

Checked score

Score 2025
96 / 100
Excellent
Probability in this band: under 0.55%
Better than 71% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 90.5% of total assets
Liquidity 59+4
short-term debt 7.0% · cash 7.4%
Profitability 74+2
return on assets 3.9%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (26,362 companies)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● 0.0% vs 11-2024 01-2025: < 0.1%● 0.0% vs 12-2024 02-2025: < 0.1%● 0.0% vs 01-2025 03-2025: < 0.1%● 0.0% vs 02-2025 04-2025: < 0.1%▼ -2.5% vs 03-2025lowest value 05-2025: < 0.1%▲ +2.6% vs 04-2025 06-2025: < 0.1%▲ +2.5% vs 05-2025 07-2025: < 0.1%▲ +2.4% vs 06-2025 08-2025: < 0.1%● 0.0% vs 07-2025 09-2025: < 0.1%▲ +11.9% vs 08-2025 10-2025: 0.1%▲ +72.3% vs 09-2025 11-2025: 0.2%▲ +85.2% vs 10-2025highest value 12-2025: < 0.1%▼ -73.3% vs 11-2025 01-2026: < 0.1%● 0.0% vs 12-2025 02-2026: < 0.1%● 0.0% vs 01-2026 03-2026: < 0.1%● 0.0% vs 02-2026 04-2026: < 0.1%● 0.0% vs 03-2026 05-2026: < 0.1%▲ +2.5% vs 04-2026 06-2026: < 0.1%● 0.0% vs 05-2026 07-2026: < 0.1%▲ +4.9% vs 06-2026 08-2026: < 0.1%● 0.0% vs 07-2026 09-2026: < 0.1%▲ +11.6% vs 08-2026 10-2026: 0.1%▲ +91.7% vs 09-2026
  • Size: total assets €1.1m lowers the probability for this profile
  • Figures for FY 2025 (filed 07-11-2025) raises the probability
  • Equity €982,108 (90.5% of total assets) lowers the probability
  • Legal form Public limited company lowers the probability
Credit up to €90,000 at 30 days acceptable
Liquidity tight (current ratio 1.23 against 0.6 in 2024; short-term debt: 7% and cash: 7.4% of total assets), and 9.5% of the assets are financed with debt.
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 68, micro). Better than this share of them on solvency 91%, liquidity 71%, profitability 67%, growth against the median 58%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. 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.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €1.1m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Figures for FY 2025 (filed 07-11-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Equity €982,108 (90.5% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Legal form Public limited company
In the bankruptcy model this factor lowers the probability.
KBO
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
1 d early
2024
2 d early
2023
1 d early
2022
3 d early
2021
16 d late
2020
39 d late
2019
on the day
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 7 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 30 October (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
31-03-2026 close03-10-2026 today31-10-2026 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Liquidity doublescurrent ratio 1.23
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Positive: Among the best 9% on equitysector median €74,243 · 16,092 companies €982,108 View
  • Positive: 5 profitable years in a rowprofit 2025: €41,804 5 years View
  • Positive: Always filed on timeaccounts within the deadline every year 4 years View

By topic

Financials

Fiscal year
2025
Total assets
€1.1m
Profit
€41,804
Solvency
90.5%
Total assets▼ 4.2%
Net result
20192025
Go to Financials

Timeline

Events
13
Since
2016
Next accounts
by 31-10-2026
  1. 30-10-2025Annual accounts filed
  2. 31-03-2025Liquidity doubles
  3. 29-10-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Real estate activitiesNACE 68204
Founded
07-06-2007
Year ends
31-03
Peppol
Reachable for e-invoices
Go to Company details

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