SAFFER
ActiveSummary
SAFFER has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €639,603 and a net result of €40,500. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 8965 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability53▼-21
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45,000 at 30 days acceptable
Liquidity ample (current ratio 28.09 against 16.62 in 2023; short-term debt: 3.6% and cash: 4.5% of total assets), and 3.6% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
−lowers 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
96.4%
Return on assets
6.1%
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 29-09-2025, 60 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
60 d late
2023
68 d late
2022
84 d late
2021
121 d late
2020
101 d late
2019
119 d late
← 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 92 days after the deadline; the sector median for financial year 2024 is 6 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€639,603▲ 6.8%
2023 · €599,103
Total assets
€663,213▲ 4.1%
2023 · €637,033
Net result
€40,500▲ 42.1%
2023 · €28,500
Working capital
€639,603▲ 7.9%
2023 · €592,586
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€63,611▼ 22.7%€39,708▼ 37.6%€49,310▲ 24.2%€44,732▼ 9.3%€61,371▲ 37.2%
Net result€43,500▼ 22.3%€25,500▼ 41.4%€32,700▲ 28.2%€28,500▼ 12.8%€40,500▲ 42.1%
Equity€512,403▲ 9.3%€537,903▲ 5.0%€570,603▲ 6.1%€599,103▲ 5.0%€639,603▲ 6.8%
Total assets€533,831▲ 10.6%€568,107▲ 6.4%€603,461▲ 6.2%€637,033▲ 5.6%€663,213▲ 4.1%
Debt€21,428▲ 54.7%€30,204▲ 41.0%€32,858▲ 8.8%€37,930▲ 15.4%€23,610▼ 37.8%
Working capital€486,329▲ 6.4%€518,348▲ 6.6%€557,567▲ 7.6%€592,586▲ 6.3%€639,603▲ 7.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 37% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €663,213
Equity
€639,603 ▲ 6.8%
Debt
€23,610 ▼ 37.8%
Debt's share of the balance-sheet total falls from 6.0% to 3.6%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
28.09▲
2023 · 16.62
Debt to equity
0.04▼
2023 · 0.06
ROE
6.3%▲
2023 · 4.8%
ROA
6.1%▲
2023 · 4.5%
Debt ≤ 1 year
€23,610▼
2023 · €37,930
Income taxes
€20,842▲
2023 · €16,107
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,519 | €6,519 | €6,519 | €6,519 | - | - |
| Other operating charges640/8 | - | €574 | €960 | €804 | €475 | ▼ 40.9% |
| Gross operating margin9900 | €75,652 | €46,802 | €56,789 | €52,056 | €61,847 | ▲ 18.8% |
| Operating profit (loss)9901 | €63,611 | €39,708 | €49,310 | €44,732 | €61,371 | ▲ 37.2% |
| Financial income75/76B | - | - | - | €221 | €388 | ▲ 75.4% |
| Recurring financial income75 | €35 | - | - | €221 | €388 | ▲ 75.4% |
| Financial charges65/66B | - | €157 | €224 | €346 | €418 | ▲ 20.7% |
| Recurring financial charges65 | €217 | €157 | €224 | €346 | €418 | ▲ 20.7% |
| Profit (loss) for the period before taxes9903 | €63,430 | €39,551 | €49,085 | €44,607 | €61,342 | ▲ 37.5% |
| Income taxes67/77 | €19,930 | €14,051 | €16,385 | €16,107 | €20,842 | ▲ 29.4% |
| Profit (loss) for the period9904 | €43,500 | €25,500 | €32,700 | €28,500 | €40,500 | ▲ 42.1% |
| Profit (loss) for the period to be appropriated9905 | €43,500 | €25,500 | €32,700 | €28,500 | €40,500 | ▲ 42.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €533,831 | €568,107 | €603,461 | €637,033 | €663,213 | ▲ 4.1% |
| Fixed assets21/28 | €26,074 | €19,555 | €13,036 | €6,517 | - | - |
| Tangible fixed assets22/27 | €26,074 | €19,555 | €13,036 | €6,517 | - | - |
| Furniture and vehicles24 | - | €19,555 | €13,036 | €6,517 | - | - |
| Current assets29/58 | €507,757 | €548,552 | €590,425 | €630,516 | €663,213 | ▲ 5.2% |
| Amounts receivable within one year40/41 | €402,599 | €448,695 | €481,510 | €494,307 | €566,006 | ▲ 14.5% |
| Trade receivables40 | - | €1,162 | - | - | - | - |
| Other amounts receivable41 | - | €447,533 | €481,510 | €494,307 | €566,006 | ▲ 14.5% |
| Current investments50/53 | €67,222 | €67,222 | €47,223 | €67,378 | €67,649 | ▲ 0.4% |
| Cash at bank and in hand54/58 | €37,936 | €32,635 | €61,692 | €68,832 | €29,558 | ▼ 57.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €533,831 | €568,107 | €603,461 | €637,033 | €663,213 | ▲ 4.1% |
| Equity10/15 | €512,403 | €537,903 | €570,603 | €599,103 | €639,603 | ▲ 6.8% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Capital10 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Issued capital100 | - | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Uncalled capital101 | - | €13,800 | €13,800 | €13,800 | €13,800 | = |
| Reserves13 | €492,200 | €517,700 | €550,400 | €578,900 | €619,400 | ▲ 7.0% |
| Non-distributable reserves130/1 | - | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Legal reserve130 | - | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Distributable reserves133 | - | €515,700 | €548,400 | €576,900 | €617,400 | ▲ 7.0% |
| Profit (loss) carried forward14 | €14,003 | €14,003 | €14,003 | €14,003 | €14,003 | = |
| Amounts payable17/49 | €21,428 | €30,204 | €32,858 | €37,930 | €23,610 | ▼ 37.8% |
| Amounts payable within one year42/48 | €21,428 | €30,204 | €32,858 | €37,930 | €23,610 | ▼ 37.8% |
| Taxes, remuneration and social security45 | - | €30,204 | €32,858 | €37,930 | €23,610 | ▼ 37.8% |
| Taxes450/3 | - | €30,204 | €32,858 | €37,930 | €23,610 | ▼ 37.8% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €43,500 | €25,500 | €32,700 | €28,500 | €40,500 | ▲ 42.1% |
| + Depreciation and write-downs630 | €6,519 | €6,519 | €6,519 | €6,519 | - | - |
| Operating cash flow (approximation) | €50,019 | €32,019 | €39,219 | €35,019 | €40,500 | ▲ 15.7% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | - | - |
| Change in cash | - | -€5,301 | €29,057 | €7,140 | -€39,274 | ▼ 650% |
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
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 68 days late
2023
23-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 84 days late
2022
29-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 121 days late
2021
31-12
Financial
Weakest financial yearnet €25,500 ▼41.4%
Net result drops to €25,500, the lowest in the series; recovery starts the following year.
09-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 101 days late
2020
31-12
Financial
Equity above €500,000Eq €512,403 ▲9.3%
3 profitable years in a row build equity to €512,403.
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 119 days late
2019
31-12
Financial
Highest result since 2018net €56,000 ▲10.7%
Operating result €82,299, net result €56,000, both a record.
31-12
Financial
Liquidity doublescurrent ratio 34.00
Current ratio from 16.58 to 34.00; short-term debt falls from €25,349 to €13,848.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 61 days late
2018
16-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 47 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 58 days late
2016
16-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 47 days late
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, Zemst
Ground area
310 m²
Building footprint
80 m²
Volume, LiDAR
547 m³
Parcel 23020D0076/00B002, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23020D0076/00B002 | Flanders | 310 m² | 1 · 80 m² | 10.2 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 60 EUR awarded · 60 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 60 EUR |
| 2023 | 1 | 60 EUR | 0 EUR |
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Of 13,417 companies in sector 73300 we hold annual accounts for 6,899. 3,775 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 (pre-2019)
Founded23-12-1999
Fiscal year end31-12
Activities, NACEBEL 2025
73300Public relations and communication consultancy
Scores and ratios are computed by Checked and are not a credit decision.