SA&AR
ActiveSummary
The computed 12-month bankruptcy probability of SA&AR is 2.4% (moderate). The 2024 annual accounts show equity of €84,939 and a net result of €31,132. Its solvency ranks better than 59% of 15862 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
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Signals
This company filed its last 2 accounts on average 27 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
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Peer companies
Historical observationOf the 39,275 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 39,275 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Remuneration, social security and pensions62 | €171 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €911 | €1,131 | ▲ 24.1% |
| Other operating charges640/8 | €1,170 | €389 | ▼ 66.7% |
| Gross operating margin9900 | €105,908 | €39,384 | ▼ 62.8% |
| Operating profit (loss)9901 | €103,656 | €37,863 | ▼ 63.5% |
| Financial income75/76B | €0 | €10 | ▲ 4,662% |
| Recurring financial income75 | €0 | €10 | ▲ 4,662% |
| Financial charges65/66B | €150 | €240 | ▲ 59.4% |
| Recurring financial charges65 | €150 | €240 | ▲ 59.4% |
| Profit (loss) for the period before taxes9903 | €103,506 | €37,634 | ▼ 63.6% |
| Income taxes67/77 | €15,700 | €6,501 | ▼ 58.6% |
| Profit (loss) for the period9904 | €87,806 | €31,132 | ▼ 64.5% |
| Profit (loss) for the period to be appropriated9905 | €87,806 | €31,132 | ▼ 64.5% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €181,167 | €167,501 | ▼ 7.5% |
| Formation expenses20 | €691 | €459 | ▼ 33.5% |
| Fixed assets21/28 | €2,255 | €1,355 | ▼ 39.9% |
| Tangible fixed assets22/27 | €2,255 | €1,355 | ▼ 39.9% |
| Furniture and vehicles24 | €2,255 | €1,355 | ▼ 39.9% |
| Current assets29/58 | €178,222 | €165,688 | ▼ 7.0% |
| Stocks and contracts in progress3 | €35,680 | €31,120 | ▼ 12.8% |
| Stocks30/36 | €35,680 | €31,120 | ▼ 12.8% |
| Amounts receivable within one year40/41 | €11,613 | €29,007 | ▲ 150% |
| Trade receivables40 | - | €10,855 | - |
| Other amounts receivable41 | €11,613 | €18,152 | ▲ 56.3% |
| Cash at bank and in hand54/58 | €130,872 | €105,264 | ▼ 19.6% |
| Deferred charges and accrued income490/1 | €57 | €297 | ▲ 422% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €181,167 | €167,501 | ▼ 7.5% |
| Equity10/15 | €67,806 | €84,939 | ▲ 25.3% |
| Contributions10/11 | €5,000 | €5,000 | = |
| Outside capital11 | €5,000 | - | - |
| Other1109/19 | €5,000 | - | - |
| Reserves13 | €500 | €500 | = |
| Non-distributable reserves130/1 | €500 | €500 | = |
| Reserves not available under the articles1311 | €500 | €500 | = |
| Profit (loss) carried forward14 | €62,306 | €79,439 | ▲ 27.5% |
| Amounts payable17/49 | €113,361 | €82,563 | ▼ 27.2% |
| Amounts payable within one year42/48 | €113,361 | €82,563 | ▼ 27.2% |
| Trade debts44 | €54,695 | €20,203 | ▼ 63.1% |
| Suppliers440/4 | €54,695 | €20,203 | ▼ 63.1% |
| Taxes, remuneration and social security45 | €16,387 | €62,360 | ▲ 281% |
| Taxes450/3 | €15,837 | €62,360 | ▲ 294% |
| Remuneration and social security454/9 | €550 | - | - |
| Other amounts payable47/48 | €42,280 | - | - |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €87,806 | €31,132 | ▼ 64.5% |
| + Depreciation and write-downs630 | €911 | €1,131 | ▲ 24.1% |
| Operating cash flow (approximation) | €88,717 | €32,264 | ▼ 63.6% |
| Investment in fixed assets (approximation) | - | -€231 | - |
| Change in cash | - | -€25,609 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Directors · office · real estate
2 establishment units
2 parcels
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31808K0689/00K002 | Flanders | 379 m² | 1 · 415 m² | 14.0 m · 1 fl. |
| 31813R0237/00D010 | Flanders | 149 m² | 1 · 84 m² | 20.0 m · 4 fl. |
Linked by address, not proof of ownership
Recognitions · licences · registrations
Food safety, FASFC
1 siteSimilar companies · same sector, comparable size
Identification & contact
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.