Summary
SACOFI is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €1.4m and a net result of €39,336. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 23% of 2817 sector peers (fiscal year 2024). The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-08-2025, 26 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
26 d late
2023
30 d late
2022
26 d early
2021
18 d early
2020
2 d early
2019
38 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 5 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check Which other companies belong to the same group?SACOFI · 11 companies What changed in the latest annual accounts?What changed
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Financials · fiscal year 2024, full schema
In the rankings
#6 employer in the province of Namur, Financial services sector
Equity
€1.4m▲ 2.8%
2023 · €1.4m
Net result
€39,336
2023 · -€13,880
Total assets
€5.8m=
2023 · €5.8m
Solvency
24.7%▲ 0.7pp
2023 · 24.0%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€47,978▼ 10.8%€21,993▼ 54.2%€31,199▲ 41.9%€67,994▲ 118%€105,886▲ 55.7%
Net result-€6,885below the sector's middle half▼ 45.2%-€35,814below the sector's middle half▼ 420%-€27,796below the sector's middle half▲ 22.4%-€13,880below the sector's middle half▲ 50.1%€39,336within the sector's middle half
Equity€1.5mwithin the sector's middle half▼ 0.5%€1.4mwithin the sector's middle half▼ 2.4%€1.4mwithin the sector's middle half▼ 1.9%€1.4mwithin the sector's middle half▼ 1.0%€1.4mwithin the sector's middle half▲ 2.8%
Total assets€5.6mwithin the sector's middle half▼ 2.7%€5.6mwithin the sector's middle half▲ 1.3%€5.7mwithin the sector's middle half▲ 0.3%€5.8mwithin the sector's middle half▲ 2.4%€5.8mwithin the sector's middle half=
Debt€4.1m▼ 3.5%€4.2m▲ 2.6%€4.3m▲ 1.0%€4.4m▲ 3.6%€4.4m▼ 0.9%
Working capital-€10,170within the sector's middle half▲ 94.6%-€11,027within the sector's middle half▼ 8.4%-€19,517within the sector's middle half▼ 77.0%-€65,709within the sector's middle half▼ 237%€96,071within the sector's middle half
Solvency26.4%within the sector's middle half▲ 0.6pp25.4%below the sector's middle half▼ 1.0pp24.8%below the sector's middle half▼ 0.6pp24.0%below the sector's middle half▼ 0.8pp24.7%below the sector's middle half▲ 0.7pp
Current ratio0.90within the sector's middle half▲ 0.590.90within the sector's middle half▲ 0.010.86within the sector's middle half▼ 0.040.80within the sector's middle half▼ 0.061.58within the sector's middle half▲ 0.79
Return on assets (ROA)-0.1%below the sector's middle half=-0.6%below the sector's middle half▼ 0.5pp-0.5%below the sector's middle half▲ 0.1pp-0.2%below the sector's middle half▲ 0.3pp0.7%within the sector's middle half▲ 0.9pp
Staff (FTE)4.4within the sector's middle half▼ 17.0%4.5within the sector's middle half▲ 2.3%6.1within the sector's middle half▲ 35.6%8.4within the sector's middle half▲ 37.7%6.8within the sector's middle half▼ 19.0%
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 56% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €5.8m
Fixed assets
€5.5m =
Current assets
€260,561 ▲ 0.7%
Equity and liabilities €5.8m
Equity
€1.4m ▲ 2.8%
Debt
€4.4m ▼ 0.9%
Debt's share of the balance-sheet total falls from 76.0% to 75.3%. Equity is higher and debt is lower.
Key figures and ratios
ROE
2.8%▲
2023 · -1.0%
Debt ≤ 1 year
€164,490▼
2023 · €324,461
Debt > 1 year
€4.2m▲
2023 · €4.1m
Income taxes
€9,877▲
2023 · €7,058
Staff costs
€514,481▼
2023 · €730,063
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €244,645 | €346,941 | €730,063 | €514,481 | ▼ 29.5% |
| Other operating charges640/8 | - | €2,088 | €3,956 | €6,949 | €3,696 | ▼ 46.8% |
| Gross operating margin9900 | €298,948 | €268,727 | €382,096 | €805,007 | €624,062 | ▼ 22.5% |
| Operating profit (loss)9901 | €47,978 | €21,993 | €31,199 | €67,994 | €105,886 | ▲ 55.7% |
| Financial income75/76B | - | - | - | €0 | €0 | ▼ 46.7% |
| Recurring financial income75 | €3,907 | - | - | €0 | €0 | ▼ 46.7% |
| Financial charges65/66B | - | €57,213 | €58,222 | €74,817 | €56,673 | ▼ 24.3% |
| Recurring financial charges65 | €56,625 | €57,213 | €58,222 | €74,817 | €56,673 | ▼ 24.3% |
| Profit (loss) for the period before taxes9903 | -€4,741 | -€35,220 | -€27,022 | -€6,822 | €49,213 | ▲ 821% |
| Income taxes67/77 | €2,144 | €594 | €774 | €7,058 | €9,877 | ▲ 39.9% |
| Profit (loss) for the period9904 | -€6,885 | -€35,814 | -€27,796 | -€13,880 | €39,336 | ▲ 383% |
| Profit (loss) for the period to be appropriated9905 | -€6,885 | -€35,814 | -€27,796 | -€13,880 | €39,336 | ▲ 383% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €5.6m | €5.6m | €5.7m | €5.8m | €5.8m | = |
| Fixed assets21/28 | €5.5m | €5.5m | €5.5m | €5.5m | €5.5m | = |
| Financial fixed assets28 | €5.5m | €5.5m | €5.5m | €5.5m | €5.5m | = |
| Current assets29/58 | €88,661 | €104,432 | €120,728 | €258,752 | €260,561 | ▲ 0.7% |
| Amounts receivable within one year40/41 | €87,302 | €101,316 | €113,256 | €249,139 | €255,282 | ▲ 2.5% |
| Trade receivables40 | - | €101,304 | €113,256 | €249,139 | €255,282 | ▲ 2.5% |
| Other amounts receivable41 | - | €12 | - | - | - | - |
| Cash at bank and in hand54/58 | €1,025 | €930 | €2,249 | €1,931 | €1,137 | ▼ 41.1% |
| Deferred charges and accrued income490/1 | - | €2,187 | €5,223 | €7,682 | €4,142 | ▼ 46.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €5.6m | €5.6m | €5.7m | €5.8m | €5.8m | = |
| Equity10/15 | €1.5m | €1.4m | €1.4m | €1.4m | €1.4m | ▲ 2.8% |
| Contributions10/11 | €150,000 | €150,000 | €150,000 | €150,000 | €150,000 | = |
| Capital10 | - | €150,000 | €150,000 | €150,000 | €150,000 | = |
| Issued capital100 | - | €150,000 | €150,000 | €150,000 | €150,000 | = |
| Reserves13 | €15,000 | €15,000 | €15,000 | €15,000 | €15,000 | = |
| Non-distributable reserves130/1 | - | €15,000 | €15,000 | €15,000 | €15,000 | = |
| Legal reserve130 | - | €15,000 | €15,000 | €15,000 | €15,000 | = |
| Profit (loss) carried forward14 | €1.3m | €1.3m | €1.2m | €1.2m | €1.3m | ▲ 3.2% |
| Amounts payable17/49 | €4.1m | €4.2m | €4.3m | €4.4m | €4.4m | ▼ 0.9% |
| Amounts payable after more than one year17 | €4.0m | €4.1m | €4.1m | €4.1m | €4.2m | ▲ 3.0% |
| Other amounts payable178/9 | - | €4.1m | €4.1m | €4.1m | €4.2m | ▲ 3.0% |
| Amounts payable within one year42/48 | €98,830 | €115,459 | €140,245 | €324,461 | €164,490 | ▼ 49.3% |
| Trade debts44 | €21,757 | €55,959 | €34,391 | €61,699 | €58,393 | ▼ 5.4% |
| Suppliers440/4 | - | €55,959 | €34,391 | €61,699 | €58,393 | ▼ 5.4% |
| Taxes, remuneration and social security45 | - | €59,500 | €105,854 | €262,762 | €105,477 | ▼ 59.9% |
| Taxes450/3 | - | €24,681 | €44,426 | €161,313 | €48,935 | ▼ 69.7% |
| Remuneration and social security454/9 | - | €34,819 | €61,428 | €101,449 | €56,543 | ▼ 44.3% |
| Other amounts payable47/48 | - | - | - | - | €620 | - |
| Accrued charges and deferred income492/3 | - | €2,525 | €2,864 | €274 | €374 | ▲ 36.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€6,885 | -€35,814 | -€27,796 | -€13,880 | €39,336 | ▲ 383% |
| Operating cash flow (approximation) | -€6,885 | -€35,814 | -€27,796 | -€13,880 | €39,336 | ▲ 383% |
| Investment in fixed assets (approximation) | - | -€55,000 | €0 | €0 | €0 | - |
| Change in cash | - | -€95 | €1,319 | -€317 | -€794 | ▼ 150% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 26 days late
2024
31-12
Financial
Back to profitnet €39,336
Net result €39,336 after 5 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
04-04
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
12-04
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-09
Financial
Weakest financial yearnet -€35,814
Net result drops to -€35,814, the lowest in the series; recovery starts the following year.
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
23-03
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
27-03
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
13-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
28-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
30-03
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Namur · 1 establishment unit since 2000
Ground area
3.4 ha
Building footprint
6,467 m²
Parcel 92120F0142/00A000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Avenue d'Ecolys(RH) 2, 5020 Namur
since 20002.096.570.173
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92120F0142/00A000 | Wallonia | 3.4 ha | 1 · 6,467 m² | - |
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.
Structure & network
Heads the group
SACOFI
11 companies
Group, risk and exposure
Owners and holdings
18 holdingsOwners 0
The accounts to 31-12-2024 list no shareholders, and no other source names one.
Holdings 18
-
100%
-
100%
-
99.84%
-
99.84%
-
99.82%
-
99.7%
-
99.46%
-
85%
-
84.93%
-
61.88%
Show 8 more holdings
-
50%
-
50%
-
45.99%
-
43.71%
-
40.7%
-
33.87%
-
27.21%
-
12.86%
According to the 2024 annual accounts of SACOFI and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 11,885 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded06-04-2000
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0471614790
Registered
20-11-2020
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.