SAAI BEHEER
ActiveSAAI BEHEER has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.12M and a net result of €1.94M. Equity is shrinking by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 8601 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▲+6
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €250k at 30 days acceptable
short-term debt: 0.1% and cash: 6.5% of total assets, and 0.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
99.7%
Return on assets
62%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €3.12M
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
66 d early
2023
70 d early
2022
75 d early
2021
48 d early
2020
72 d early
2019
15 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.12M▲ 38.6%
2024 · €2.25M
2018: €4.10M
2019: €4.57M
2020: €4.58M
2021: €5.43M
2022: €3.75M
2023: €1.81M
2024: €2.25M
2018 → 2025
Total assets
€3.13M▲ 37.8%
2024 · €2.27M
2018: €4.21M
2019: €4.57M
2020: €4.59M
2021: €5.44M
2022: €3.76M
2023: €3.60M
2024: €2.27M
2018 → 2025
Net result
€1.94M▲ 339%
2024 · €443k
2018: €-320k
2019: €464k
2020: €11k
2021: €854k
2022: €53k
2023: €548k
2024: €443k
2018 → 2025
Working capital
€1.53M▼ 2.8%
2024 · €1.58M
2018: €3.88M
2020: €4.35M
2022: €3.18M
2023: €862k
2024: €1.58M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5.43M-€3.75M▼ 31.0%€1.81M▼ 51.7%€2.25M▲ 24.4%€3.12M▲ 38.6%
Operating result€8k-€-3k€21k€-21k€-33k▼ 52.0%
Net result€854k-€53k▼ 93.8%€548k▲ 933%€443k▼ 19.3%€1.94M▲ 339%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €33k in 2025 against €21k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.13M
Fixed assets
€1.59M▲ 134%
Current assets
€1.54M▼ 3.5%
Equity and liabilities €3.13M
Equity
€3.12M▲ 38.6%
Debt
€10k▼ 52.4%
The debt ratio falls from 0.9% to 0.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€-5k▼
2024 · €7k
Cash flow
€1.97M▲
2024 · €471k
Solvency
99.7%▲
2024 · 99.1%
Debt / equity
0.00▼
2024 · 0.01
ROE
62.2%▲
2024 · 19.6%
ROA
62.0%▲
2024 · 19.5%
Interest coverage
-0.07▼
2024 · 0.07
Debt
€10k▼
2024 · €21k
Debt ≤ 1 year
€4k▼
2024 · €15k
Income taxes
€527▼
2024 · €730
A ratio outside any meaningful range has been withheld (balance sheet total €3.13M, equity €3.12M).
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€2.27M€3.13M▲
Fixed assets21/28€680k€1.59M▲
Tangible fixed assets22/27€112k€84k▼
Furniture and vehicles24€112k€84k▼
Financial fixed assets28€568k€1.51M▲
Current assets29/58€1.59M€1.54M▼
Amounts receivable after more than one year29€52k€4k▼
Other amounts receivable291€52k€4k▼
Amounts receivable within one year40/41€163k€133k▼
Trade receivables40€19k€25k▲
Other amounts receivable41€144k€108k▼
Current investments50/53€1.29M€1.19M▼
Cash at bank and in hand54/58€83k€205k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€2.27M€3.13M▲
Equity10/15€2.25M€3.12M▲
Contributions10/11€20k€20k=
Reserves13€2.23M€3.10M▲
Distributable reserves133€2.23M€3.10M▲
Amounts payable17/49€21k€10k▼
Amounts payable within one year42/48€15k€4k▼
Trade debts44-€782
Suppliers440/4-€782
Taxes, remuneration and social security45€3k€3k=
Taxes450/3€1k€1k=
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€12k€365▼
Accrued charges and deferred income492/3€6k€6k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€28k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€9k€-3k▼
Operating profit (loss)9901€-21k€-33k▼
Financial income75/76B€557k€2.04M▲
Recurring financial income75€557k€2.04M▲
Financial charges65/66B€92k€67k▼
Recurring financial charges65€92k€67k▼
Profit (loss) for the period before taxes9903€443k€1.94M▲
Income taxes67/77€730€527▼
Profit (loss) for the period9904€443k€1.94M▲
Profit (loss) for the period to be appropriated9905€443k€1.94M▲
Appropriation of the result
Profit (loss) to be appropriated9906€443k€1.94M▲
Transfer from equity791/2-€1.07M
Transfer to equity691/2€443k€1.94M▲
To other reserves6921€443k€1.94M▲
Profit to be distributed694/7-€1.07M
Return on contributions (dividend)694-€1.07M
The notes to these accounts (6 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
2026
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €1.94M ▲339%
Net result €1.94M, the highest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 371.11
Current ratio from 105.22 to 371.11; short-term debt falls from €15k to €4k.
26-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity times 71current ratio 105.22
Current ratio from 1.48 to 105.22; short-term debt falls from €1.78M to €15k.
31-12
Financial
Equity above €2MEq €2.25M ▲24.4%
6 profitable years in a row build equity to €2.25M.
22-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
17-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €5MEq €5.43M ▲18.7%
3 profitable years in a row build equity to €5.43M.
20-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €464k
Net result €464k after one loss-making year.
22-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Lanaken · 1 establishment unit since 2010
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.
Zonnelaan 5A3621 LanakenGround area
6,165 m²
Building footprint
655 m²
Volume, LiDAR
2,512 m³
2 parcels, Flanders · tallest building 26.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Saai Beheer B.V.
since 20102.194.888.977
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73064A0548/00R008 | Flanders | 3,130 m² | 1 · 285 m² | 26.0 m |
| 73064A0548/00E004 | Flanders | 3,035 m² | 1 · 370 m² | 10.1 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.
Recognitions · licences · registrations
Legal Entity Identifier
724500MZTURLEE4BH375
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 15,437 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-11-2010
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0031/433581833