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SA TRADING

Active
Private limited companyfounded 20242 yrs activeCalloystraat 10, 1790 Affligem, BelgiumKBO/BCE: BE 1005.273.653
Summary

The computed 12-month bankruptcy probability of SA TRADING is 3.0% (moderate). The 2025 annual accounts show equity of €121 and a net result of -€871. Its solvency ranks better than 25% of 18716 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability0
Solvency30
Growth-
Track record67
Bankruptcy probability, 12 months
3.0% Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
balance sheet total too small for a liquidity verdict.
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Signals

Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Age of the figures
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filing
Deviation from the deadline
2025
31 d late
← before the deadline after the deadline →
Checked, nothing found (1)
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

History

On 26 January 2024, SA TRADING was incorporated.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€121
Total assets
€2,486
Net result
-€871
Working capital
€121

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Equity and liabilities €2,486
Equity €121
Debt €2,366
Debt finances 95.2% of the balance-sheet total.
Key figures and ratios
2025 value
Debt ≤ 1 year
€2,366
Ratios withheld: a balance sheet total of €2,486 is too small for a meaningful ratio.

Peer companies

Historical observation

Of the 757 companies that looked in July 2024 the way this one looks now, 7.9% went bankrupt within 24 months and 87% are still going.

  • Micro
  • 2 to 5 years old
  • solvency under 10%
  • a loss of 10% of the balance sheet or more
7.9% went bankrupt
4.8% stopped otherwise
87% still going

A further 0.7% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 3.0% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

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 757 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.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 21 lines
Balance sheet Code2025
Assets
Total assets20/58€2,486
Current assets29/58€2,486
Stocks and contracts in progress3€343
Stocks30/36€343
Cash at bank and in hand54/58€2,143
Equity and liabilities
Total equity and liabilities10/49€2,486
Equity10/15€121
Contributions10/11€3,000
Profit (loss) carried forward14-€2,879
Amounts payable17/49€2,366
Amounts payable within one year42/48€2,366
Other amounts payable47/48€2,366
Income statement Code2025
Gross operating margin9900-€792
Operating profit (loss)9901-€792
Financial charges65/66B€79
Recurring financial charges65€79
Profit (loss) for the period before taxes9903-€871
Profit (loss) for the period9904-€871
Profit (loss) for the period to be appropriated9905-€871
Appropriation of the result
Profit (loss) to be appropriated9906-€2,879
Profit (loss) brought forward from the previous period14P-€2,009

The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Gross operating margin9900-€792
Operating profit (loss)9901-€792
Financial charges65/66B€79
Recurring financial charges65€79
Profit (loss) for the period before taxes9903-€871
Profit (loss) for the period9904-€871
Profit (loss) for the period to be appropriated9905-€871
Line2025
Assets
Total assets20/58€2,486
Current assets29/58€2,486
Stocks and contracts in progress3€343
Stocks30/36€343
Cash at bank and in hand54/58€2,143
Equity and liabilities
Total equity and liabilities10/49€2,486
Equity10/15€121
Contributions10/11€3,000
Profit (loss) carried forward14-€2,879
Amounts payable17/49€2,366
Amounts payable within one year42/48€2,366
Other amounts payable47/48€2,366
Line2025
Profit (loss) for the period9904-€871
Operating cash flow (approximation)-€871

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
31-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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, Affligem · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
305 m²
Building footprint
125 m²
Volume, LiDAR
680 m³
Parcel 23085A0145/00P000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SA TRADING
Calloystraat 10, 1790 AffligemRetail trade
since 20242.358.905.287
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23085A0145/00P000 Flanders 305 m² 1 · 125 m² 9.7 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Recognitions · licences · registrations

Food safety, FASFC

1 site
Affligem2.358.905.287
1 permission
Toelating · Detailhandel met verwerking · since 24-06-2026

Similar companies · same sector, comparable size

Of 12,951 companies in sector 47120 we hold annual accounts for 2,192. 77 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded26-01-2024
Fiscal year end31-12
Activities, NACEBEL 2025
47120Other non-specialised retail sale
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

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If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.