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SAFFIER

Active
Private limited company·Chapewerken· 6 yrs active
Hermisweg 39A ·3660 Oudsbergen, Belgium
KBO/BCE: BE 0741.946.763
Watch Print / PDF
Belgian State Gazette acts: 0 of 4 read
Age6 yrs
Real estate1 parcel · 98 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of SAFFIER is 4.4% (elevated). The 2022 annual accounts show equity of €46k and a net result of €12k. Its solvency ranks better than 56% of 6639 sector peers (fiscal year 2022). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
4.4% Elevated
0%0,5%1,5%4%10%≥25%
Annual accounts: weaker financial profile +Young company +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

Insufficient current data: the most recent filed accounts (financial year 2022) are too old to derive current signals.

Filing behaviour

From the deposit records, complete market-wide
Annual accounts not filed
The financial year that closed on 30-04-2023 was due at the National Bank by 30-11-2023. Nothing is on record today, 1005 days later. 3 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.
Filed more than 90 days late
The financial year that closed on 30-04-2022 was due by 30-11-2022 and was filed on 07-04-2023, 128 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 30-04. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-04-2022, that is 30-11-2022.
Deadline per financial year
Year closed Due by Filed Variance Reference
30-04-2025 30-11-2025 nothing on record not filed -
30-04-2024 30-11-2024 nothing on record not filed -
30-04-2023 30-11-2023 nothing on record not filed -
30-04-2022 30-11-2022 07-04-2023 128 d late 2023-00055726
30-04-2021 30-11-2021 15-06-2022 197 d late 2022-20064615

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

Turnover€47k
EBIT margin51.1%
Net result€12k-48.1%
Working capital€46k+36.6%

Annual accounts & ratios

Source: NBB · 2022
Annual accounts filed on 07-04-2023 with the NBB · fiscal year 2022 · micro
€0€20k€40kRevenue 2021: €47k€47kOperating result 2021: €24k€24kNet result 2021: €24k€24kOperating result 2022: €19k€19kNet result 2022: €12k€12k20212022
RevenueOperating resultNet result
Sector comparison
Fiscal year 2022 · NACE 43, Specialised construction · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 40.9% 36.2%
better than 56% of 6639 sector peers
Net result €12k €12k
better than 50% of 6624 sector peers
Equity €46k €26k
better than 68% of 6647 sector peers
Gross operating margin €19k €32k
better than 35% of 6617 sector peers
Total assets €113k €86k
better than 60% of 6640 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Revenue
€47k
- 21-22
Net profit
€12k
-48.1% 21-22
Total assets
€113k
+89.3% 21-22
Equity
€46k
+36.6% 21-22
Working capital
€46k
+36.6% 21-22
Debt
€67k
+158.2% 21-22
Debt ≤ 1y
€67k
+158.2% 21-22
Current ratio
1.69
-26.7% 21-22
Show 6 other metrics
Quick ratio
1.69
-26.7% 21-22
Solvency
40.9%
-27.8% 21-22
Debt / equity
1.44
+89.0% 21-22
ROE
26.8%
-62.0% 21-22
ROA
11.0%
-72.6% 21-22
Net margin
51.1%
- 21-22
Figures by fiscal year
Fiscal year2022
Depositmicro
Revenue-
EBITDA-
Net profit€12k
Cash flow-
Staff costs-
Income taxes-
Dividends-
Total assets€113k
Equity€46k
Debt€67k
of which ≤ 1y€67k
of which > 1y-
Working capital€46k
Employees (FTE)-
Ratios (computed)
2022
Current ratio1.69
Quick ratio1.69
Working capital ratio40.9%
Solvency40.9%
Debt / equity1.44
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA11.0%
ROE26.8%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2022
Full annual accounts (18 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2022
Balance sheet, Assets
TOTAL ASSETS 20/58€113k
Current assets 29/58€113k
Amounts receivable within one year 40/41€95k
Cash & bank 54/58€19k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€113k
Equity 10/15€46k
Contributions / capital 10/11€10k
Accumulated profits (losses) 14€36k
Amounts payable 17/49€67k
Amounts payable within one year 42/48€67k
Trade debts payable within one year 44€41k
Income statement
Gross operating margin 9900€19k
Operating result 9901€19k
Financial income 75€10
Financial charges 65€6k
Result before taxes 9903€12k
Net result for the period 9904€12k
Result to be appropriated 9905€12k
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2022 · computed
78 / 100 Excellent
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2022. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap
2 companies at this address See who is registered here

Establishment units

1 location
SAFFIER
Hermisweg 39A, 3660 OudsbergenOptrekken van de ruwbouw van gebouwen met celstructuur (appartementsgebouwen, enz.)
since 20202.299.617.008
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area98 m²
Buildings1
Building footprint98 m²
Volume (LiDAR)516 m³
Tallest building7.3 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
71562B0865/00S002 Flanders 98 m² 1 · 98 m² 7.3 m · 2 fl.
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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 act
All acts · 1 updated 1 year ago
2024
25-11-2024 Publication in the Belgian Official Gazette, Minor change Minor change·Jelle van der WEIJ
Summary: Agm rules changeNotary: Jelle van der WEIJ · Genk

Analysis

Financial profile

5 of 5 axes measured
Health78Profitability100Solvency78Growth52Stability100
82 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 78
Profitability 100
Solvency 78
Growth 52
Stability 100

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 107 of the 752 companies in this sector. 92 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Chapewerken43422Verhuur en lease van machines en installaties voor de bouwnijverheid en de weg- en waterbouw77320
Primary activity highlighted.
Names & trade names
Legal nameNL SAFFIER
Registered office
Hermisweg 39A
3660 Oudsbergen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.