SAEY JUNIORS
ActiveSummary
SAEY JUNIORS has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €40k and a net result of €-17k. Equity is growing by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 43% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability15▼-51
Solvency51▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.14 against 1.34 in 2024; short-term debt: 52.5% and cash: 47.4% of total assets), and 74.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
25.8%
Return on assets
-11.1%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 04-05-2026, 4 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
4 d late
2024
6 d early
2023
359 d late
2022
12 d early
2021
2 d early
2020
on the day
2019
48 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€40k▼ 30.2%
2024 · €57k
2018: €22k
2019: €37k
2020: €33k
2021: €40k
2022: €45k
2023: €49k
2024: €57k
2018 → 2025
Total assets
€154k▼ 19.0%
2024 · €190k
2018: €104k
2019: €88k
2020: €101k
2021: €143k
2022: €117k
2023: €132k
2024: €190k
2018 → 2025
Net result
€-17k
2024 · €8k
2018: €-19k
2019: €15k
2020: €-4k
2021: €27k
2022: €5k
2023: €4k
2024: €8k
2018 → 2025
Working capital
€12k▼ 59.4%
2024 · €29k
2018: €17k
2019: €33k
2020: €27k
2021: €36k
2022: €42k
2023: €44k
2024: €29k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€40k-€45k▲ 11.3%€49k▲ 9.3%€57k▲ 15.7%€40k▼ 30.2%
Operating result€34k-€10k▼ 69.4%€9k▼ 10.4%€13k▲ 35.9%€-12k
Net result€27k-€5k▼ 83.3%€4k▼ 8.7%€8k▲ 85.3%€-17k
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 €12k after €13k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €154k
Fixed assets
€61k ▼ 19.5%
Current assets
€93k ▼ 18.6%
Equity and liabilities €154k
Equity
€40k ▼ 30.2%
Debt
€114k ▼ 14.2%
Debt's share of the balance-sheet total rises from 70.1% to 74.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€7k▼
2024 · €31k
Cash flow
€1k▼
2024 · €26k
Current ratio
1.14▼
2024 · 1.34
Quick ratio
1.10▼
2024 · 1.31
Debt to equity
2.88▲
2024 · 2.35
ROE
-43.2%▼
2024 · 13.6%
ROA
-11.1%▼
2024 · 4.1%
Interest coverage
1.22▼
2024 · 5.09
Debt ≤ 1 year
€81k▼
2024 · €85k
Debt > 1 year
€33k▼
2024 · €48k
Income taxes
€1▲
2024 · €-1k
Staff costs
€55k▲
2024 · €51k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€190k€154k▼
Fixed assets21/28€76k€61k▼
Tangible fixed assets22/27€76k€61k▼
Land and buildings22€2k€2k=
Plant, machinery and equipment23€418€3k▲
Furniture and vehicles24€1k€504▼
Leasing and similar rights25€72k€55k▼
Current assets29/58€114k€93k▼
Stocks and contracts in progress3€2k€3k▲
Stocks30/36€2k€3k▲
Cash at bank and in hand54/58€107k€73k▼
Deferred charges and accrued income490/1€5k€16k▲
Equity and liabilities
Total equity and liabilities10/49€190k€154k▼
Equity10/15€57k€40k▼
Contributions10/11€32k€32k=
Reserves13€36k€36k=
Non-distributable reserves130/1€24k€24k=
Reserves not available under the articles1311€21k€24k▲
Other1319€3k-
Distributable reserves133€12k€12k=
Profit (loss) carried forward14€-11k€-28k▼
Amounts payable17/49€133k€114k▼
Amounts payable after more than one year17€48k€33k▼
Financial debts170/4€48k€33k▼
Amounts payable within one year42/48€85k€81k▼
Current portion of amounts payable after more than one year42€14k€15k▲
Trade debts44€57k€54k▼
Suppliers440/4€57k€54k▼
Taxes, remuneration and social security45€14k€12k▼
Taxes450/3€3k€39▼
Remuneration and social security454/9€10k€12k▲
Income statement
Code20242025
Non-recurring operating income76A-€0
Remuneration, social security and pensions62€51k€55k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€18k▲
Other operating charges640/8€4k€2k▼
Non-recurring operating charges66A€12€284▲
Gross operating margin9900€87k€63k▼
Operating profit (loss)9901€13k€-12k▼
Financial income75/76B€1€2▲
Recurring financial income75€1€2▲
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€7k€-17k▼
Income taxes67/77€-1k€1▲
Profit (loss) for the period9904€8k€-17k▼
Profit (loss) for the period to be appropriated9905€8k€-17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€-28k▼
Profit (loss) brought forward from the previous period14P€-18k€-11k▲
The notes to these accounts (7 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
04-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
24-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
24-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 359 days late
2023
18-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
13-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Mons · 1 establishment unit since 1990
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 Guy de Bres 27000 MonsGround area
1,902 m²
Building footprint
875 m²
Volume, LiDAR
3,316 m³
2 parcels, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SAEY
since 19902.049.510.030
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53405C0175/00W000 | Wallonia | 1,180 m² | 1 · 571 m² | 8.1 m · 2 fl. |
| 53404B0525/00K002 | Wallonia | 722 m² | 1 · 304 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 siteMons2.049.510.030
Similar companies · same sector, comparable size
SAR
BE 0758.812.687
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BENELUX & PARTNERS
BE 0764.941.208
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BMCS
BE 0534.967.470
Riemst · Eq €39,532
DELI ANDERLECHT
BE 0449.627.266
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ABZET
BE 0845.676.187
Seraing · Eq €39,223
Of 2,407 companies in sector 47241 we hold annual accounts for 1,100. 922 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-09-1990
Fiscal year end30-09
Activities, NACEBEL 2025
47241Retail sale of bread and pastry (bakery outlets)
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.