Financials
- Fiscal year
- 2025
- Total assets
- €88,347
- Loss
- -€10,774
- Solvency
- 16.3%
Total assets▲ 24.3%
Net result
20222025
SAAY&CO
ActiveSummary
SAAY&CO has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14,415 and a net result of -€10,774. Equity is shrinking by ~50.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 21% of 34931 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Activity
Business and other management consultancy
NACE 70200Business consulting NACE 70220
1 site
Size
€88,347total assets 2025
- Equity
- €14,415
- Loss
- -€10,774
Turnover not published (abridged schema)
Structure
Accounts 29 d early0 of 1 deed read
Why 88- Loss of €10,774 (FY 2025)+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Size: total assets €88,347+ Liquidity: current ratio 1.17, cash €23,975Show the evidence
Checked score
Score 2025
88
/ 100
Excellent
Probability in this band: under 0.55%
Better than 16% of its sector peers (NACE 70, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
41-19
equity 16.3% of total assets
Liquidity
38+17
short-term debt 83.7% · cash 27.1%
Profitability
10-83
return on assets -12.2%
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 15 months
08-2025: 0.2%
09-2025: 0.2%▲ +1.7% vs 08-2025
10-2025: 0.2%▲ +15.2% vs 09-2025
11-2025: 0.2%▲ +5.7% vs 10-2025
12-2025: 0.2%▲ +2.7% vs 11-2025
01-2026: 0.2%▲ +5.2% vs 12-2025highest value
02-2026: 0.1%▼ -62.4% vs 01-2026
03-2026: 0.1%▼ -1.1% vs 02-2026lowest value
04-2026: 0.1%● 0.0% vs 03-2026lowest value
05-2026: 0.1%● 0.0% vs 04-2026lowest value
06-2026: 0.1%▲ +3.3% vs 05-2026
07-2026: 0.1%▲ +5.4% vs 06-2026
08-2026: 0.1%● 0.0% vs 07-2026
09-2026: 0.1%▲ +2.0% vs 08-2026
10-2026: 0.1%▲ +14.0% vs 09-2026
- Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
- Size: total assets €88,347 lowers the probability for this profile
- Liquidity: current ratio 1.17, cash €23,975 lowers the probability
- Loss of €10,774 (FY 2025) raises the probability
Credit up to €1,000 at 30 days acceptable
Liquidity tight (current ratio 1.17 against 1.52 in 2024; short-term debt: 83.7% and cash: 27.1% of total assets), and 83.7% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 70, micro). Better than this share of them on solvency 21%, liquidity 18%, profitability 11%, growth against the median 14%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 34931 sector peers (2025).
NBB · sector comparisonPosition among 34931 sector peers
Solvency
better than 21%
← weakest
strongest →
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 02-01-2026, 29 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
29 d early
2024
on the day
2023
16 d early
2022
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 11 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 23 January (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close02-10-2026 today31-01-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Back to profitnet €13,993
Key points
By topic
Timeline
- Events
- 6
- Since
- 2023
- Next accounts
- by 31-01-2027
- 02-01-2026Annual accounts filed
- 31-01-2025Annual accounts filed
- 30-06-2024Back to profit
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Business and other management consultancyNACE 70200
- Founded
- 23-11-2020
- Year ends
- 30-06
- Peppol
- Reachable for e-invoices
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