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Generated 13-08-2026
Active BE 1004.193.389Private limited company

S.A.W. Group

Weg naar Opoeteren 40 ·3660 Oudsbergen, Belgium· 2 yrs active
Sector: Groothandel in bloemen en planten (46220)
Conclusion Checked

The computed 12-month bankruptcy probability of S.A.W. Group is 1.8% (moderate). The 2024 annual accounts show equity of €49k and a net result of €34k. Its solvency ranks better than 41% of 3354 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €49k
Net result €34k
Staff (FTE) 4.6
Better than sector 41%
Snowflake analysis 4 of 5 axes measured · computed by Checked
Health58Profitability100Solvency24Growth-Stability67
62 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 58
Profitability 100
Solvency 24
Growth -
Stability 67
Bankruptcy probability (12 mo) Checked model v1 · free
1.8% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2024 · computed
58 / 100 Fair
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 27-09-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 46, Wholesale trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 15.8% 25.2%
better than 41% of 3354 sector peers
Net result €34k €4k
better than 81% of 3341 sector peers
Equity €49k €23k
better than 65% of 3361 sector peers
Gross operating margin €135k €19k
better than 90% of 3327 sector peers
Staff costs €81k €27k
higher than 82% of 938 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€53k
Net profit€34k
Cash flow€41k
Staff costs€81k
Income taxes€11k
Dividends-
Total assets€307k
Equity€49k
Debt€258k
of which ≤ 1y€258k
of which > 1y-
Working capital€21k
Employees (FTE)4.6
Ratios (computed)
2024
Current ratio1.08
Quick ratio0.29
Working capital ratio6.9%
Solvency15.8%
Debt / equity5.32
Long-term debt ratio-
Interest coverage22.96
Gross margin-
Net margin-
ROA10.9%
ROE69.1%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€307k
Fixed assets 21/28€27k
Formation expenses 20€889
Tangible fixed assets 22/27€27k
Current assets 29/58€280k
Stocks & contracts in progress 3€204k
Amounts receivable within one year 40/41€38k
Cash & bank 54/58€38k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€307k
Equity 10/15€49k
Contributions / capital 10/11€15k
Reserves 13€34k
Amounts payable 17/49€258k
Amounts payable within one year 42/48€258k
Trade debts payable within one year 44€231k
Income statement
Gross operating margin 9900€135k
Operating result 9901€45k
Financial income 75€2k
Financial charges 65€2k
Result before taxes 9903€45k
Income taxes 67/77€11k
Net result for the period 9904€34k
Result to be appropriated 9905€34k
Ratios computed by Checked.
Legal Structure
NACE primary Groothandel in bloemen en planten(46220)
Legal form Private limited company(610)
Incorporation03-01-2024
StatusActive
Postal code3660
Establishment units 1 location
De Mulder
Weg naar Opoeteren 40, 3660 OudsbergenGroothandel in bloemen en planten
since 20242.355.086.853
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

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.
71047A1008/00M003 Flanders 2,742 m² 1 · 1,907 m² 12.5 m · 2 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 1 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
27-09-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Groothandel in bloemen en planten46220Groothandel in bloemen en planten46220Handelsbemiddeling in landbouwproducten, levende dieren en textielgrondstoffen en halffabrikaten46110Handelsbemiddeling in de groothandel in landbouwgrondstoffen, levende dieren en textielgrondstoffen en halffabricaten46110Groothandel in levende dieren, m.u.v. levend vee46232Groothandel in levende dieren, muv levend vee46232Groothandel in andere voedingsmiddelen, n.e.g.46389Groothandel in andere voedingsmiddelen, neg46389Groothandel in huismeubilair46471Groothandel in huismeubilair46471Detailhandel in bloemen, planten, zaden en kunstmeststoffen in gespecialiseerde winkels47761Detailhandel in bloemen, planten, zaden en kunstmeststoffen47761Detailhandel in huisdieren, voedsel voor huisdieren en benodigdheden daarvoor in gespecialiseerde winkels47762Detailhandel in huisdieren, voer voor huisdieren en benodigdheden daarvoor47762
Primary activity highlighted.
Names & trade names
Legal nameNL S.A.W. Group
Registered office
Weg naar Opoeteren 40
3660 Oudsbergen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative