Saddlepoint
ActiveSummary
Saddlepoint has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.12M and a net result of €136k. Equity is growing by ~6.8% per year across the filed fiscal years. Its solvency ranks better than 86% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability82▲+1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity ample (current ratio 7.26 against 7.41 in 2024; short-term debt: 10.3% and cash: 20.9% of total assets), and 11.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
88.3%
Return on assets
10.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 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
10 d late
2024
53 d late
2023
9 d late
2023
64 d early
2022
30 d early
2021
3 d late
2020
31 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.12M▲ 7.1%
2024 · €1.04M
2019: €734klowest value
2020: €805k▲ +9.7% vs 2019
2021: €885k▲ +9.9% vs 2020
2022: €921k▲ +4.0% vs 2021
2023: €932k▲ +1.3% vs 2022
2023: €935k
2024: €1.04M▲ +11.6% vs 2023
2025: €1.12M▲ +7.1% vs 2024highest value
2019 → 2025
Total assets
€1.27M▲ 8.0%
2024 · €1.17M
2019: €868klowest value
2020: €988k▲ +13.8% vs 2019
2021: €1.09M▲ +10.1% vs 2020
2022: €1.12M▲ +3.2% vs 2021
2023: €1.15M▲ +2.4% vs 2022
2023: €1.03M
2024: €1.17M▲ +13.7% vs 2023
2025: €1.27M▲ +8.0% vs 2024highest value
2019 → 2025
Net result
€136k▲ 17.5%
2024 · €116k
2019: €85k
2020: €73k▼ -14.7% vs 2019
2021: €96k▲ +31.9% vs 2020
2022: €62k▼ -35.2% vs 2021
2023: €54k▼ -13.2% vs 2022
2023: €25klowest value
2024: €116k▲ +358% vs 2023
2025: €136k▲ +17.5% vs 2024highest value
2019 → 2025
Working capital
€813k▲ 15.1%
2024 · €706k
2019: €373klowest value
2020: €484k▲ +29.8% vs 2019
2021: €586k▲ +21.1% vs 2020
2022: €635k▲ +8.3% vs 2021
2023: €664k▲ +4.6% vs 2022
2023: €618k
2024: €706k▲ +14.3% vs 2023
2025: €813k▲ +15.1% vs 2024highest value
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202320242025Trend
Equity€921k-€932k▲ 1.3%€935k▲ 0.3%€1.04M▲ 11.6%€1.12M▲ 7.1%
2022: €921klowest value
2023: €932k▲ +1.3% vs 2022
2023: €935k
2024: €1.04M▲ +11.6% vs 2023
2025: €1.12M▲ +7.1% vs 2024highest value
Operating result€82k-€68k▼ 16.1%€28k▼ 59.4%€143k▲ 414%€148k▲ 3.3%
2022: €82k
2023: €68k▼ -16.1% vs 2022
2023: €28klowest value
2024: €143k▲ +414% vs 2023
2025: €148k▲ +3.3% vs 2024highest value
Net result€62k-€54k▼ 13.2%€25k▼ 53.1%€116k▲ 358%€136k▲ 17.5%
2022: €62k
2023: €54k▼ -13.2% vs 2022
2023: €25klowest value
2024: €116k▲ +358% vs 2023
2025: €136k▲ +17.5% vs 2024highest value
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
Multiple fiscal year ends fall in the same calendar year; an annual trend is not displayed.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.27M
Fixed assets
€322k ▼ 9.3%
Current assets
€943k ▲ 15.5%
Equity and liabilities €1.27M
Equity
€1.12M ▲ 7.1%
Debt
€148k ▲ 14.7%
Debt's share of the balance-sheet total rises from 11.0% to 11.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€183k▲
2024 · €180k
Cash flow
€172k▲
2024 · €153k
Current ratio
7.26▼
2024 · 7.41
Debt to equity
0.13▲
2024 · 0.12
ROE
12.2%▲
2024 · 11.1%
ROA
10.8%▲
2024 · 9.9%
Interest coverage
265.12▼
2024 · 278.67
Debt ≤ 1 year
€130k▲
2024 · €110k
Income taxes
€42k▲
2024 · €31k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.17M€1.27M▲
Fixed assets21/28€355k€322k▼
Tangible fixed assets22/27€312k€279k▼
Land and buildings22€263k€240k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€6k€5k▼
Other tangible fixed assets26€40k€32k▼
Financial fixed assets28€43k€43k=
Current assets29/58€817k€943k▲
Amounts receivable within one year40/41€26k€20k▼
Trade receivables40€25k€17k▼
Other amounts receivable41€180€4k▲
Current investments50/53€570k€656k▲
Cash at bank and in hand54/58€218k€265k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.17M€1.27M▲
Equity10/15€1.04M€1.12M▲
Contributions10/11€20k€20k=
Revaluation surpluses12€56k€40k▼
Reserves13€353k€489k▲
Distributable reserves133€353k€489k▲
Profit (loss) carried forward14€614k€569k▼
Amounts payable17/49€129k€148k▲
Amounts payable within one year42/48€110k€130k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€21k€24k▲
Taxes450/3€21k€24k▲
Other amounts payable47/48€86k€104k▲
Accrued charges and deferred income492/3€19k€18k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€35k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€25k
Other operating charges640/8€3k€3k▲
Gross operating margin9900€183k€211k▲
Operating profit (loss)9901€143k€148k▲
Financial income75/76B€4k€31k▲
Recurring financial income75€4k€31k▲
Financial charges65/66B€645€690▲
Recurring financial charges65€645€690▲
Profit (loss) for the period before taxes9903€146k€178k▲
Income taxes67/77€31k€42k▲
Profit (loss) for the period9904€116k€136k▲
Profit (loss) for the period to be appropriated9905€116k€136k▲
Appropriation of the result
Profit (loss) to be appropriated9906€775k€750k▼
Profit (loss) brought forward from the previous period14P€659k€614k▼
Transfer to equity691/2€116k€136k▲
To other reserves6921€116k€136k▲
Profit to be distributed694/7€45k€45k=
Directors or managers695€45k€45k=
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €42k | €32k | €31k | €37k | €35k | ▼ 3.7% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €25k | - |
| Other operating charges640/8 | €3k | €3k | €3k | €3k | €3k | ▲ 2.5% |
| Gross operating margin9900 | €126k | €103k | €62k | €183k | €211k | ▲ 15.4% |
| Operating profit (loss)9901 | €82k | €68k | €28k | €143k | €148k | ▲ 3.3% |
| Financial income75/76B | €520 | €619 | €599 | €4k | €31k | ▲ 635% |
| Recurring financial income75 | €520 | €619 | €599 | €4k | €31k | ▲ 635% |
| Financial charges65/66B | €4k | €4k | €602 | €645 | €690 | ▲ 7.1% |
| Recurring financial charges65 | €4k | €4k | €602 | €645 | €690 | ▲ 7.1% |
| Profit (loss) for the period before taxes9903 | €78k | €65k | €28k | €146k | €178k | ▲ 21.6% |
| Income taxes67/77 | €16k | €11k | €3k | €31k | €42k | ▲ 36.9% |
| Profit (loss) for the period9904 | €62k | €54k | €25k | €116k | €136k | ▲ 17.5% |
| Profit (loss) for the period to be appropriated9905 | €62k | €54k | €25k | €116k | €136k | ▲ 17.5% |
| Line | 2022 | 2023 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.12M | €1.15M | €1.03M | €1.17M | €1.27M | ▲ 8.0% |
| Fixed assets21/28 | €379k | €364k | €333k | €355k | €322k | ▼ 9.3% |
| Tangible fixed assets22/27 | €379k | €364k | €333k | €312k | €279k | ▼ 10.6% |
| Land and buildings22 | €332k | €308k | €287k | €263k | €240k | ▼ 8.8% |
| Plant, machinery and equipment23 | €2k | €4k | €4k | €3k | €2k | ▼ 33.4% |
| Furniture and vehicles24 | €1k | €10k | €8k | €6k | €5k | ▼ 14.8% |
| Other tangible fixed assets26 | €45k | €42k | €34k | €40k | €32k | ▼ 20.6% |
| Financial fixed assets28 | - | - | - | €43k | €43k | = |
| Current assets29/58 | €745k | €787k | €698k | €817k | €943k | ▲ 15.5% |
| Amounts receivable within one year40/41 | €34k | €19k | €16k | €26k | €20k | ▼ 21.0% |
| Trade receivables40 | €13k | €14k | €11k | €25k | €17k | ▼ 34.2% |
| Other amounts receivable41 | €21k | €5k | €5k | €180 | €4k | ▲ 1,859% |
| Current investments50/53 | €272k | €301k | €476k | €570k | €656k | ▲ 15.1% |
| Cash at bank and in hand54/58 | €437k | €466k | €204k | €218k | €265k | ▲ 21.6% |
| Deferred charges and accrued income490/1 | €1k | €2k | €2k | €3k | €2k | ▼ 35.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.12M | €1.15M | €1.03M | €1.17M | €1.27M | ▲ 8.0% |
| Equity10/15 | €921k | €932k | €935k | €1.04M | €1.12M | ▲ 7.1% |
| Contributions10/11 | €20k | €20k | €20k | €20k | €20k | = |
| Revaluation surpluses12 | €14k | €6k | €19k | €56k | €40k | ▼ 29.4% |
| Reserves13 | €160k | €214k | €237k | €353k | €489k | ▲ 38.6% |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Distributable reserves133 | €158k | €212k | €237k | €353k | €489k | ▲ 38.6% |
| Profit (loss) carried forward14 | €727k | €692k | €659k | €614k | €569k | ▼ 7.3% |
| Amounts payable17/49 | €203k | €219k | €96k | €129k | €148k | ▲ 14.7% |
| Amounts payable after more than one year17 | €80k | €80k | - | - | - | - |
| Financial debts170/4 | €80k | €80k | - | - | - | - |
| Amounts payable within one year42/48 | €110k | €123k | €80k | €110k | €130k | ▲ 17.9% |
| Trade debts44 | €14k | €3k | €3k | €3k | €2k | ▼ 34.9% |
| Suppliers440/4 | €14k | €3k | €3k | €3k | €2k | ▼ 34.9% |
| Taxes, remuneration and social security45 | €8k | €10k | €15k | €21k | €24k | ▲ 14.1% |
| Taxes450/3 | €8k | €10k | €15k | €21k | €24k | ▲ 14.1% |
| Other amounts payable47/48 | €87k | €110k | €63k | €86k | €104k | ▲ 21.0% |
| Accrued charges and deferred income492/3 | €14k | €16k | €16k | €19k | €18k | ▼ 4.0% |
| Line | 2022 | 2023 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €62k | €54k | €25k | €116k | €136k | ▲ 17.5% |
| + Depreciation and write-downs630 | €42k | €32k | €31k | €37k | €35k | ▼ 3.7% |
| Operating cash flow (approximation) | €104k | €86k | €57k | €153k | €172k | ▲ 12.4% |
| Investment in fixed assets (approximation) | - | €-17k | - | €-59k | €-2k | ▲ 96.2% |
| Change in cash | - | €28k | - | €13k | €47k | ▲ 251% |
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
Next filing, fiscal year 2026, expected by
2026
10-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
2025
31-12
Financial
Highest result since 2019net €136k ▲17.5%
Operating result €148k, net result €136k, both a record.
22-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 53 days late
2024
31-12
Financial
Equity above €1MEq €1.04M ▲11.6%
7 profitable years in a row build equity to €1.04M.
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 9 days late
2023
31-12
Financial
Weakest financial yearnet €25k ▼53.1%
Net result drops to €25k, the lowest in the series; recovery starts the following year.
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
03-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
22-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
23-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
30-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Zemst · 1 establishment unit since 2000
Ground area
810 m²
Building footprint
215 m²
Volume, LiDAR
1,103 m³
Parcel 23018D0037/00F000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dynastiestraat 91, 1982 Zemst
since 20002.097.515.231
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23018D0037/00F000 | Flanders | 810 m² | 1 · 215 m² | 8.8 m · 2 fl. |
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.
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Of 82,632 companies in sector 70200 we hold annual accounts for 52,575. 26,618 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-04-2000
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.