SA SERVICE
ActiveThe computed 12-month bankruptcy probability of SA SERVICE is 2.2% (moderate). The 2025 annual accounts show equity of €20k and a net result of €38k. Equity is growing by ~64.2% per year across the filed fiscal years. Its solvency ranks better than 33% of 7311 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
66
/ 100
Healthy▲ +59 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency40▲+6
Growth78▲+46
Stability94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.94 against 0.52 in 2024), and 72.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
27.2%
Return on assets
51.7%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-12-2025, 31 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
31 d early
2024
51 d early
2023
27 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close14-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€153k
EBIT margin
-3.0%
Net result
€38k
2024 · €-15k
2023: €-5k
2024: €-15k
2023 → 2025
Working capital
€-3k▲ 90.8%
2024 · €-33k
2023: €-16k
2024: €-33k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Turnover€153k-
Equity€-3k-€-18k▼ 476%€20k
Operating result€-5k-€-14k▼ 207%€49k
Net result€-5k-€-15k▼ 221%€38k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €49k after a loss of €14k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €73k
Fixed assets
€23k▲ 50.0%
Current assets
€50k▲ 39.5%
Equity and liabilities €73k
Equity
€20k
Debt
€53k
Debt finances 72.8% of the balance-sheet total.
Key figures and ratios
EBITDA
€55k▲
2024 · €-9k
Cash flow
€43k▲
2024 · €-10k
Solvency
27.2%▲
2024 · -35.0%
Current ratio
0.94▲
2024 · 0.52
Quick ratio
0.94▲
2024 · 0.52
Debt / equity
2.67▲
2024 · -3.86
ROE
190.1%▲
2024 · 82.6%
ROA
51.7%▲
2024 · -28.9%
Interest coverage
791.81▲
2024 · -143.30
Debt
€53k▼
2024 · €69k
Debt ≤ 1 year
€53k▼
2024 · €69k
Income taxes
€11k▲
2024 · €628
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€51k€73k▲
Fixed assets21/28€15k€23k▲
Tangible fixed assets22/27€15k€23k▲
Furniture and vehicles24€15k€23k▲
Current assets29/58€36k€50k▲
Amounts receivable within one year40/41€31k€48k▲
Trade receivables40€30k€47k▲
Other amounts receivable41€1k€138▼
Cash at bank and in hand54/58€4k€3k▼
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€51k€73k▲
Equity10/15€-18k€20k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€-19k€18k▲
Amounts payable17/49€69k€53k▼
Amounts payable within one year42/48€69k€53k▼
Trade debts44€55k€32k▼
Suppliers440/4€55k€32k▼
Taxes, remuneration and social security45€641€15k▲
Taxes450/3€641€15k▲
Other amounts payable47/48€14k€6k▼
Income statement
Code20242025
Non-recurring operating income76A-€413
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€6k▲
Other operating charges640/8€338€326▼
Gross operating margin9900€-9k€55k▲
Operating profit (loss)9901€-14k€49k▲
Financial income75/76B€3-
Recurring financial income75€3-
Financial charges65/66B€62€69▲
Recurring financial charges65€62€69▲
Profit (loss) for the period before taxes9903€-14k€49k▲
Income taxes67/77€628€11k▲
Profit (loss) for the period9904€-15k€38k▲
Profit (loss) for the period to be appropriated9905€-15k€38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-19k€18k▲
Profit (loss) brought forward from the previous period14P€-5k€-19k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
31-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Back to profitnet €38k
Net result €38k after 2 loss-making years.
2024
11-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
27-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Willebroek · 1 establishment unit since 2022
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Antwerpsesteenweg 452830 WillebroekGround area
2.7 ha
Building footprint
2,411 m²
Volume, LiDAR
61,923 m³
2 parcels, Brussels, Flanders · tallest building 46.5 m, ±14 floors. Linked by address, not a title deed.
1 establishment unit
SA SERVICE
since 20222.333.927.490
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21018A0128/00A000 | Brussels | 2.3 ha | 1 · 1,270 m² | 46.5 m · 14 fl. |
| 12040A0072/00C002 | Flanders | 4,191 m² | 1 · 1,140 m² | 9.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Van Nuffel Projects
BE 0786.485.896
Ternat · Eq €20k
Métrica Group Services
BE 1001.614.179
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PARASCA CONFORT
BE 0784.662.395
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TAXON
BE 0755.714.528
Kraainem · Eq €20k
MCJ Management
BE 0783.235.705
Antwerpen · Eq €20k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,868. 11,401 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-06-2022
Fiscal year end30-06
Activities, NACEBEL
41001General construction of residential buildings
43240Other construction installation
43299Specialised construction activities
43990Other specialised construction activities
43995Specialised construction activities
81210General cleaning of buildings
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.