SACHEM & Co
ActiveSACHEM & Co has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €99k and a net result of €4k. Equity is growing by ~21.6% per year across the filed fiscal years. Its solvency ranks better than 10% of 7673 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability18▼-20
Solvency6▲+2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days only on tighter terms
Liquidity short (current ratio 0.59 against 0.5 in 2024), and 93.9% 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+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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 · 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
6.1%
Return on assets
0.2%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 7673 sector peers (2025).
NBB · sector comparisonPosition among 7673 sector peers
Solvency
better than 10%
← weakest
strongest →
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
28 d early
2023
70 d early
2022
75 d early
2021
26 d early
2020
45 d early
2019
53 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€99k▲ 3.8%
2024 · €95k
2018: €25k
2019: €25k
2020: €26k
2021: €49k
2022: €67k
2023: €88k
2024: €95k
2018 → 2025
Total assets
€1.62M▲ 0.9%
2024 · €1.61M
2018: €26k
2019: €27k
2020: €27k
2021: €104k
2022: €132k
2023: €140k
2024: €1.61M
2018 → 2025
Net result
€4k▼ 49.9%
2024 · €7k
2018: €179
2019: €146
2020: €931
2021: €22k
2022: €18k
2023: €21k
2024: €7k
2018 → 2025
Working capital
€-308k▲ 4.7%
2024 · €-323k
2019: €26k
2021: €49k
2022: €60k
2023: €80k
2024: €-323k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€49k-€67k▲ 37.6%€88k▲ 31.0%€95k▲ 8.2%€99k▲ 3.8%
Operating result€34k-€24k▼ 28.8%€31k▲ 30.7%€41k▲ 32.3%€45k▲ 9.4%
Net result€22k-€18k▼ 18.3%€21k▲ 13.2%€7k▼ 65.1%€4k▼ 49.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 9% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.62M
Fixed assets
€1.18M▼ 8.5%
Current assets
€448k▲ 38.0%
Equity and liabilities €1.62M
Equity
€99k▲ 3.8%
Debt
€1.52M▲ 0.7%
The debt ratio falls from 94.1% to 93.9%: equity grows faster than debt.
Key figures and ratios
EBITDA
€197k▲
2024 · €152k
Cash flow
€155k▲
2024 · €118k
Solvency
6.1%▲
2024 · 5.9%
Current ratio
0.59▲
2024 · 0.50
Quick ratio
0.59▲
2024 · 0.50
Debt / equity
15.44▼
2024 · 15.92
ROE
3.7%▼
2024 · 7.6%
ROA
0.2%▼
2024 · 0.5%
Interest coverage
5.03▼
2024 · 5.04
Debt
€1.52M▲
2024 · €1.51M
Debt ≤ 1 year
€755k▲
2024 · €647k
Debt > 1 year
€766k▼
2024 · €863k
Income taxes
€3k▼
2024 · €5k
Staff costs
€129k▼
2024 · €156k
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€1.61M€1.62M▲
Fixed assets21/28€1.28M€1.18M▼
Tangible fixed assets22/27€1.28M€1.18M▼
Plant, machinery and equipment23€1.22M€1.13M▼
Furniture and vehicles24€61k€48k▼
Financial fixed assets28€100€100=
Current assets29/58€324k€448k▲
Amounts receivable within one year40/41€124k€342k▲
Trade receivables40€122k€340k▲
Other amounts receivable41€1k€2k▲
Cash at bank and in hand54/58€185k€86k▼
Deferred charges and accrued income490/1€16k€19k▲
Equity and liabilities
Total equity and liabilities10/49€1.61M€1.62M▲
Equity10/15€95k€99k▲
Contributions10/11€21k€21k=
Reserves13€74k€78k▲
Distributable reserves133€74k€78k▲
Amounts payable17/49€1.51M€1.52M▲
Amounts payable after more than one year17€863k€766k▼
Financial debts170/4€863k€766k▼
Amounts payable within one year42/48€647k€755k▲
Current portion of amounts payable after more than one year42€100k€104k▲
Financial debts43-€125k
Credit institutions430/8-€125k
Trade debts44€185k€176k▼
Suppliers440/4€185k€176k▼
Taxes, remuneration and social security45€23k€17k▼
Taxes450/3€6k€7k▲
Remuneration and social security454/9€17k€10k▼
Other amounts payable47/48€339k€333k▼
Accrued charges and deferred income492/3€3k€3k▼
Income statement
Code20242025
Remuneration, social security and pensions62€156k€129k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€110k€152k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€10k
Other operating charges640/8€10k€6k▼
Gross operating margin9900€318k€342k▲
Operating profit (loss)9901€41k€45k▲
Financial income75/76B€1k€700▼
Recurring financial income75€1k€700▼
Financial charges65/66B€30k€39k▲
Recurring financial charges65€30k€39k▲
Profit (loss) for the period before taxes9903€12k€7k▼
Income taxes67/77€5k€3k▼
Profit (loss) for the period9904€7k€4k▼
Profit (loss) for the period to be appropriated9905€7k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€4k▼
Transfer to equity691/2€7k€4k▼
To other reserves6921€7k€4k▼
Social balance
Average headcount (FTE)90872.52.1▼
The notes to these accounts (14 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
22-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €22k ▲2312%
Net result €22k, the highest in the series.
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €146 ▼18.7%
Net result drops to €146, the lowest in the series; recovery starts the following year.
06-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2023
COSIJNS Manika
CurrentNon-statutory director · since 28-11-2023
28-11-2023
COSIJNS Manika: Appointed as Non-statutory director
28-11-2023
SACHEM Sebastien: Resigned as Statutair bestuurder
28-11-2023
SACHEM Sebastien: Resigned as Non-statutory director
Location & real-estate footprint
Registered office, Gavere · 1 establishment unit since 1996
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.
Boomstraat 289890 GavereGround area
2,263 m²
Building footprint
346 m²
Volume, LiDAR
1,719 m³
Parcel 44016A0922/00C000, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Boomstraat 28, 9890 Gavere
since 19962.075.329.351
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44016A0922/00C000 | Flanders | 2,263 m² | 1 · 346 m² | 7.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
GERARD EDDY
BE 0862.484.111
Ath · Eq €98k
SOTRAPAC
BE 0820.082.540
Pont-à-Celles · Eq €99k
MARASLI EDE
BE 1014.367.404
Antwerpen · Eq €99k
KFM Service
BE 0840.632.979
Lokeren · Eq €99k
SANROBE
BE 0862.009.009
Riemst · Eq €98k
Of 8,397 companies in sector 43120 we hold annual accounts for 3,204. 2,619 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-02-1996
Fiscal year end31-12
Activities, NACEBEL
43120Site preparation
46832Wholesale of timber
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.