SADUCOM
ActiveSummary
SADUCOM has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €250k and a net result of €-36k. Equity is growing by ~18.5% per year across the filed fiscal years. Its solvency ranks better than 59% of 19913 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability11▼-89
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 4.31 against 5.77 in 2023; short-term debt: 9% and cash: 0% of total assets), and 25% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
75%
Return on assets
-10.7%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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
61 d late
2023
113 d late
2022
31 d late
2021
31 d late
2020
86 d late
2019
36 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator 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 How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2024, micro schema
In the rankings
#10 oldest company in Ostend, Health and social work sector
Equity
€250k▼ 12.5%
2023 · €286k
Total assets
€333k▼ 9.3%
2023 · €367k
Net result
€-36k
2023 · €151k
Working capital
€99k▼ 26.5%
2023 · €135k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€28k▲ 81.5%€25k▼ 9.5%€3k▼ 86.4%€205k▲ 5,948%€-23k
Net result€18k▲ 67.6%€16k▼ 10.6%€2k▼ 89.5%€151k▲ 8,748%€-36k
Equity€117k▲ 18.5%€133k▲ 14.0%€135k▲ 1.3%€286k▲ 112%€250k▼ 12.5%
Total assets€291k▼ 18.5%€307k▲ 5.6%€302k▼ 1.6%€367k▲ 21.7%€333k▼ 9.3%
Debt€151k▼ 36.8%€152k▲ 0.7%€147k▼ 3.6%€28k▼ 80.7%€30k▲ 6.1%
Working capital€110k▲ 109%€122k▲ 11.8%€121k▼ 1.5%€135k▲ 11.8%€99k▼ 26.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €23k after €205k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €333k
Fixed assets
€204k =
Current assets
€129k ▼ 20.9%
Equity and liabilities €333k
Equity
€250k ▼ 12.5%
Provisions
€53k =
Debt
€30k ▲ 6.1%
Debt's share of the balance-sheet total rises from 7.7% to 9.0%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
4.31▼
2023 · 5.77
Debt to equity
0.12▲
2023 · 0.10
ROE
-14.3%▼
2023 · 52.8%
ROA
-10.7%▼
2023 · 41.1%
Debt ≤ 1 year
€30k▲
2023 · €28k
Income taxes
€138▼
2023 · €22k
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €226k | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5k | €5k | €5k | - | - | - |
| Other operating charges640/8 | - | €2k | €3k | €3k | €1k | ▼ 66.3% |
| Gross operating margin9900 | €36k | €33k | €11k | €209k | €-22k | ▼ 111% |
| Operating profit (loss)9901 | €28k | €25k | €3k | €205k | €-23k | ▼ 111% |
| Financial income75/76B | - | €4k | €7k | €6k | €5k | ▼ 7.4% |
| Recurring financial income75 | €4k | €4k | €7k | €6k | €5k | ▼ 7.4% |
| Financial charges65/66B | - | €5k | €4k | €5k | €17k | ▲ 218% |
| Recurring financial charges65 | €7k | €5k | €4k | €5k | €2k | ▼ 72.6% |
| Non-recurring financial charges66B | - | - | - | - | €16k | - |
| Profit (loss) for the period before taxes9903 | €24k | €24k | €5k | €206k | €-36k | ▼ 117% |
| Transfer from deferred taxes780 | - | €1k | €1k | €20k | - | - |
| Transfer to deferred taxes680 | - | - | - | €53k | - | - |
| Income taxes67/77 | €3k | €9k | €5k | €22k | €138 | ▼ 99.4% |
| Profit (loss) for the period9904 | €18k | €16k | €2k | €151k | €-36k | ▼ 124% |
| Transfer from tax-exempt reserves789 | - | €2k | €2k | €46k | - | - |
| Transfer to tax-exempt reserves689 | - | - | - | €160k | - | - |
| Profit (loss) for the period to be appropriated9905 | €7k | €19k | €4k | €37k | €-36k | ▼ 196% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €291k | €307k | €302k | €367k | €333k | ▼ 9.3% |
| Fixed assets21/28 | €170k | €165k | €160k | €204k | €204k | = |
| Tangible fixed assets22/27 | €170k | €165k | €159k | €204k | €204k | = |
| Land and buildings22 | - | €163k | €158k | - | - | - |
| Plant, machinery and equipment23 | - | €1k | €1k | - | - | - |
| Other tangible fixed assets26 | - | - | - | €204k | €204k | = |
| Financial fixed assets28 | €376 | €376 | €376 | - | - | - |
| Current assets29/58 | €120k | €142k | €142k | €163k | €129k | ▼ 20.9% |
| Amounts receivable after more than one year29 | - | €35k | €30k | €131k | €39k | ▼ 70.1% |
| Other amounts receivable291 | - | €35k | €30k | €131k | €39k | ▼ 70.1% |
| Amounts receivable within one year40/41 | €52k | €75k | €97k | - | €89k | - |
| Other amounts receivable41 | - | €75k | €97k | - | €89k | - |
| Cash at bank and in hand54/58 | €28k | €32k | €15k | €30k | €144 | ▼ 99.5% |
| Deferred charges and accrued income490/1 | - | €419 | €572 | €1k | €391 | ▼ 71.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €291k | €307k | €302k | €367k | €333k | ▼ 9.3% |
| Equity10/15 | €117k | €133k | €135k | €286k | €250k | ▼ 12.5% |
| Contributions10/11 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €98k | €115k | €116k | €267k | €231k | ▼ 13.4% |
| Non-distributable reserves130/1 | - | €2k | €2k | - | - | - |
| Reserves not available under the articles1311 | - | €2k | €2k | - | - | - |
| Tax-exempt reserves132 | - | €48k | €46k | €160k | €160k | = |
| Distributable reserves133 | - | €64k | €68k | €107k | €72k | ▼ 33.3% |
| Provisions and deferred taxes16 | €23k | €22k | €20k | €53k | €53k | = |
| Deferred taxes168 | - | €22k | €20k | €53k | €53k | = |
| Amounts payable17/49 | €151k | €152k | €147k | €28k | €30k | ▲ 6.1% |
| Amounts payable after more than one year17 | €140k | €133k | €125k | - | - | - |
| Financial debts170/4 | - | €133k | €125k | - | - | - |
| Amounts payable within one year42/48 | €11k | €19k | €22k | €28k | €30k | ▲ 6.1% |
| Current portion of amounts payable after more than one year42 | - | €8k | €8k | €823 | - | - |
| Financial debts43 | - | - | - | - | €5k | - |
| Credit institutions430/8 | - | - | - | - | €5k | - |
| Trade debts44 | - | €234 | - | €604 | €3k | ▲ 428% |
| Suppliers440/4 | - | €234 | - | €604 | €3k | ▲ 428% |
| Taxes, remuneration and social security45 | - | €12k | €14k | €27k | €22k | ▼ 17.9% |
| Taxes450/3 | - | €12k | €14k | €27k | €22k | ▼ 17.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €18k | €16k | €2k | €151k | €-36k | ▼ 124% |
| + Depreciation and write-downs630 | €5k | €5k | €5k | - | - | - |
| Operating cash flow (approximation) | €23k | €22k | €7k | €151k | €-36k | ▼ 124% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €-45k | €0 | ▲ 100% |
| Change in cash | - | €4k | €-17k | €16k | €-30k | ▼ 295% |
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
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €-36k
Net result drops to €-36k, the lowest in the series.
21-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 113 days late
2023
31-12
Financial
Highest result since 2018net €151k ▲8,748%
Operating result €205k, net result €151k, both a record.
31-12
Financial
Equity above €200kEq €286k ▲112%
5 profitable years in a row build equity to €286k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
25-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 86 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 11.30
Current ratio from 4.01 to 11.30; short-term debt falls from €17k to €11k.
31-12
Financial
Equity above €100kEq €117k ▲18.5%
2 profitable years in a row build equity to €117k.
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
Show earlier events
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
29-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Oostende · 1 establishment unit since 1993
Ground area
290 m²
Building footprint
70 m²
Volume, LiDAR
702 m³
Parcel 35382D0796/00K004, Flanders · tallest building 13.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SADUCOM
since 19932.060.690.368
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35382D0796/00K004 | Flanders | 290 m² | 1 · 70 m² | 13.3 m · 3 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 5,993 companies in sector 86940 we hold annual accounts for 1,808. 1,292 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
Founded06-10-1992
Fiscal year end31-12
Activities, NACEBEL 2025
86940Nursing and midwifery
86931Psychology services
86995Nutrition and dietetics services
96999Other personal services
Scores and ratios are computed by Checked and are not a credit decision.