SACO IMMO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €128k and a net result of €45k. Equity is growing by ~38.9% per year across the filed fiscal years. Its solvency ranks better than 84% of 8018 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
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 30-03-2026, 123 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
123 d early
2024
38 d early
2023
33 d early
2022
25 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€128k▲ 38.1%
2024 · €93k
2022: €35k
2023: €63k
2024: €93k
2022 → 2025
Net result
€45k▲ 52.8%
2024 · €30k
2022: €30k
2023: €28k
2024: €30k
2022 → 2025
Total assets
€148k▲ 34.4%
2024 · €110k
2022: €48k
2023: €75k
2024: €110k
2022 → 2025
Solvency
86.4%▲ 2.3pp
2024 · 84.2%
2022: 72.4%
2023: 84.4%
2024: 84.2%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€35k-€63k▲ 80.3%€93k▲ 47.0%€128k▲ 38.1%
Operating result€38k-€36k▼ 6.0%€37k▲ 5.6%€56k▲ 49.2%
Net result€30k-€28k▼ 6.3%€30k▲ 5.5%€45k▲ 52.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 49% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €148k
Equity
€128k▲ 38.1%
Debt
€20k▲ 15.2%
The debt ratio falls from 15.8% to 13.6%. Equity and debt are higher.
Key figures and ratios
Solvency
86.4%▲
2024 · 84.2%
ROE
35.4%▲
2024 · 32.0%
ROA
30.6%▲
2024 · 26.9%
Debt
€20k▲
2024 · €17k
Debt ≤ 1 year
€20k▲
2024 · €17k
Income taxes
€11k▲
2024 · €7k
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€110k€148k▲
Current assets29/58€110k€148k▲
Amounts receivable within one year40/41€399€31k▲
Trade receivables40€0€31k▲
Other amounts receivable41€399€312▼
Current investments50/53€80k€0▼
Cash at bank and in hand54/58€30k€117k▲
Equity and liabilities
Total equity and liabilities10/49€110k€148k▲
Equity10/15€93k€128k▲
Contributions10/11€5k€5k=
Reserves13€88k€123k▲
Distributable reserves133€88k€123k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€17k€20k▲
Amounts payable within one year42/48€17k€20k▲
Trade debts44€206€0▼
Suppliers440/4€206€0▼
Taxes, remuneration and social security45€8k€9k▲
Taxes450/3€8k€9k▲
Other amounts payable47/48€10k€11k▲
Income statement
Code20242025
Other operating charges640/8€672€693▲
Gross operating margin9900€38k€57k▲
Operating profit (loss)9901€37k€56k▲
Financial income75/76B-€1k
Recurring financial income75-€1k
Financial charges65/66B€490€473▼
Recurring financial charges65€490€473▼
Profit (loss) for the period before taxes9903€37k€57k▲
Income taxes67/77€7k€11k▲
Profit (loss) for the period9904€30k€45k▲
Profit (loss) for the period to be appropriated9905€30k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€30k€45k▲
Transfer to equity691/2€30k€35k▲
To other reserves6921€30k€35k▲
Profit to be distributed694/7-€10k
Return on contributions (dividend)694-€10k
The notes to these accounts (1 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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €45k ▲52.8%
Operating result €56k, net result €45k, both a record.
31-12
Financial
Equity above €100kEq €128k ▲38.1%
4 profitable years in a row build equity to €128k.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €28k ▼6.3%
Net result drops to €28k, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Koksijde · 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.
Westendestraat(Kok) 128670 KoksijdeGround area
654 m²
Building footprint
286 m²
Volume, LiDAR
2,821 m³
Parcel 38342G0514/00P002, Flanders · tallest building 13.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
SACO IMMO
since 20222.328.970.691
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38342G0514/00P002 | Flanders | 654 m² | 1 · 286 m² | 13.6 m · 4 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 12,934 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-02-2022
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.