SAELY
ActiveSAELY has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26k and a net result of €-3k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 64% of 3478 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▼-42
Solvency90▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.49 against 2.28 in 2024; short-term debt: 34.7% and cash: 61.5% of total assets), and 34.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
65.3%
Return on assets
-8.5%
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 12-08-2026, 12 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 · 8 filingsDeviation from the deadline
2025
12 d late
2024
7 d early
2023
28 d late
2022
59 d early
2021
24 d early
2020
20 d late
2019
24 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€13k▼ 67.0%
2018 · €39k
2018: €39k
2018 → 2020
EBIT margin
29.5%▲ 58.7pp
2018 · -29.2%
2018: -29.2%
2018 → 2020
Net result
€-3k
2024 · €25k
2018: €-12k
2019: €-578
2020: €4k
2021: €-4k
2022: €-3k
2023: €5k
2024: €25k
2018 → 2025
Working capital
€21k▼ 5.8%
2024 · €22k
2018: €-7k
2019: €3k
2020: €4k
2021: €1k
2022: €-12k
2023: €-3k
2024: €22k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2k-€-975€4k€30k▲ 566%€26k▼ 11.5%
Operating result€-4k-€-3k▲ 21.5%€6k€27k▲ 396%€-3k
Net result€-4k-€-3k▲ 21.0%€5k€25k▲ 364%€-3k
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 2025: a loss of €3k after €27k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €40k
Fixed assets
€5k▼ 28.1%
Current assets
€35k▼ 11.6%
Equity and liabilities €40k
Equity
€26k▼ 11.5%
Debt
€14k▼ 19.0%
The debt ratio falls from 36.7% to 34.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€2k▼
2024 · €32k
Cash flow
€1k▼
2024 · €29k
Solvency
65.3%▲
2024 · 63.3%
Current ratio
2.49▲
2024 · 2.28
Quick ratio
2.24▲
2024 · 2.04
Debt / equity
0.53▼
2024 · 0.58
ROE
-13.0%▼
2024 · 85.0%
ROA
-8.5%▼
2024 · 53.8%
Interest coverage
10.51▼
2024 · 156.84
Debt
€14k▼
2024 · €17k
Debt ≤ 1 year
€14k▼
2024 · €17k
Income taxes
€165▼
2024 · €2k
Staff costs
€22k▼
2024 · €24k
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€47k€40k▼
Fixed assets21/28€8k€5k▼
Tangible fixed assets22/27€8k€5k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€3k€1k▼
Current assets29/58€39k€35k▼
Stocks and contracts in progress3€4k€3k▼
Stocks30/36€4k€3k▼
Amounts receivable within one year40/41-€6k
Other amounts receivable41-€6k
Cash at bank and in hand54/58€35k€25k▼
Deferred charges and accrued income490/1€33-
Equity and liabilities
Total equity and liabilities10/49€47k€40k▼
Equity10/15€30k€26k▼
Contributions10/11€15k€15k=
Profit (loss) carried forward14€15k€11k▼
Amounts payable17/49€17k€14k▼
Amounts payable within one year42/48€17k€14k▼
Trade debts44€5k€11k▲
Suppliers440/4€5k€11k▲
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€402€184▼
Remuneration and social security454/9€1k€2k▲
Other amounts payable47/48€10k€681▼
Income statement
Code20242025
Remuneration, social security and pensions62€24k€22k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€58k€26k▼
Operating profit (loss)9901€27k€-3k▼
Financial income75/76B€6€1▼
Recurring financial income75€6€1▼
Financial charges65/66B€202€147▼
Recurring financial charges65€202€147▼
Profit (loss) for the period before taxes9903€27k€-3k▼
Income taxes67/77€2k€165▼
Profit (loss) for the period9904€25k€-3k▼
Profit (loss) for the period to be appropriated9905€25k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€11k▼
Profit (loss) brought forward from the previous period14P€-10k€15k▲
The notes to these accounts (5 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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €25k ▲364%
Operating result €27k, net result €25k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 2.28
Current ratio from 0.88 to 2.28; short-term debt falls from €29k to €17k.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
02-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
31-12
Financial
Liquidity quadruplescurrent ratio 2.33
Current ratio from 0.59 to 2.33; short-term debt falls from €17k to €2k.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
10-07-2023
Turki Ali: Resigned as Director
01-12-2022
Ayada Mohammed: Resigned as Director
30-06-2019
EL YAOUTI Iliass: Resigned as Managing director
30-06-2019
SAÏDI Hicham: Resigned as Managing director
Location & real-estate footprint
Registered office, Waimes · 1 establishment unit since 2017
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.
Rue de la Gare 134950 WaimesGround area
315 m²
Building footprint
213 m²
Volume, LiDAR
1,616 m³
Parcel 63080F0202/00G000, Wallonia · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Pizzeria des fagnes
since 20172.269.689.637
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63080F0202/00G000 | Wallonia | 315 m² | 1 · 213 m² | 9.4 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteWaimes/Weismes2.269.689.637
Similar companies · same sector, comparable size
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BE 1018.661.237
Merelbeke-Melle · Eq €26k
WALCONSULT
BE 0787.652.371
Ham-sur-Heure-Nalinnes · Eq €26k
YAKA-Solution
BE 0795.794.334
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ADESTINA
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Lochristi · Eq €26k
Of 4,567 companies in sector 74999 we hold annual accounts for 1,938. 1,382 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-11-2017
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
47789Other retail sale of new goods
47890Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.