Losses
-€14,960 in two years
The 2024 and 2025 financial years closed with a loss. 2025 was the heaviest.
Sa.Phi
Lifetime
8 annual accounts with figures on one time axispeak €64,558 (2023)
€51,650▼ 1.5%
lowest -€8,520 (2025)
-€8,520▼ €2,080
peak €33,968 (2023)
€19,008▼ 31.0%
€1.1m▲ 5.1%
Board1 name since 2017
1 director
Documentsfilings and deeds
04-07-202627 days before the deadline
2025micro format
Loss of €8,520Equity from €27,528 to €19,008Cash from €2,992 to €10,175
Key points
from the 2025 annual accountsChecked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 819 companies had the same profile as Sa.Phi has now. Each dot stands for 3 companies, two years later.
94.7%
were still trading
3.2%
stopped another way
1.8%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,331 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 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
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 819 companies, not a prediction for Sa.Phi. 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
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Signals
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0682649673
Change of role: , from manager to director
“De vennootschap mag zich ook voor derden borg stellen of aval verlenen,voorschotten en krediet…” (deed in Dutch) · Legal-form conversion: from private limited company (pre-2019) to private limited company · General meeting of 24-03-2021 · Gazette deed
Incorporation
Founding capital of €18,550, 100 shares, €12,400 paid up · Founder: · Appointment: (manager) · published on 10-10-2017 · Gazette deed
First establishment
Tervuursesteenweg 14, Bertem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Sa.Phi Bertem | €1.1m | €51,650 | 1.7% | - |
| TEMPES Diest | €1.3m | €42,399 | 10.6% | - |
| SOPHIL INVEST Poperinge | €1.2m | €49,738 | 4.8% | - |
| Grand Cru Vastgoed Antwerp | €1.1m | €56,844 | -15.4% | - |
| W.M.L. Invest Mons | €1.2m | €55,346 | 1.8% | - |
| IMMO STEVOORT Hasselt | €1.0m | €55,052 | 54.7% | - |
| Emla Oud-Turnhout | €1.1m | €57,013 | -3.7% | - |
These companies have the same main activity as Sa.Phi: renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €1m and €1.3m, founded between 2017 and 2018.
Official details
Source: KBO- Status
- Active since 06-10-2017Normal situation
- Activity
- Renting and operating of own or leased residential real estate, excluding social housingNACE 68201and 1 other
- Establishment unit
- 2.269.368.8443060 Bertem, since 06-10-2017
- Financial year end
- 31 December
- Peppol
- Reachable since 28-07-2024
Annual accounts 2025
- ≈ €67,000estimated
- €1.1m▲ 4.2%
- Filing
- Filed on 04-07-2026, 27 days before the end of the filing period
Insights on Sa.Phi
Sa.Phi files the micro format. That format states no turnover. The gross margin rose from €7,843 in 2018 to €51,650 in 2025.
The balance sheet grew most in 2022 through fixed assets, financed with long-term debt.
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 Sa.Phi
- What is the company number of Sa.Phi?
- The company number of Sa.Phi is 0682.649.673. The VAT number is the same number with BE in front: BE 0682.649.673.
- Where is Sa.Phi based?
- The registered office is at Tervuursesteenweg 14, 3060 Bertem.Company details
- What does Sa.Phi do?
- According to the KBO register, the main activity is renting and operating of own or leased residential real estate, excluding social housing (NACE 68201).
- What is the legal form of Sa.Phi?
- Sa.Phi is a private limited company (BV).
- When was Sa.Phi founded?
- Sa.Phi was founded on 06-10-2017.
- Is Sa.Phi still active?
- Yes, Sa.Phi is an active enterprise in the KBO register.
- What is the turnover of Sa.Phi?
- The turnover in financial year 2025 is ≈ €67,000. This figure is estimated from the gross margin of €51,650 and 45 comparable companies (NACE 682). It probably lies between €58,000 and €85,000.Financials
- Is Sa.Phi profitable?
- In financial year 2025, Sa.Phi made a loss of €8,520.
- Where can I find the annual accounts of Sa.Phi?
- Sa.Phi filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Sa.Phi due?
- Sa.Phi must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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