Skip to content

SAFFIER

Active
Private limited companyfounded 2020active for 6 yearsHermisweg 39A, 3660 Oudsbergen, BelgiumKBO/BCE: BE 0741.946.763
Summary

The computed 12-month bankruptcy probability of SAFFIER is 10.4% (high). For SAFFIER, at least two filing cycles of the annual accounts are missing. The 2022 annual accounts show equity of €46,339 and a net result of €12,419. Its solvency ranks better than 47% of 30,365 sector peers (NACE 43, financial year 2022). The company has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Screed work
NACE 43422
1 site
Size
€113,222total assets 2022
Equity
€46,339
Profit
€12,419
Turnover not published (micro format)
Financial health
Bankruptcy probabilitywithin 12 months
10.4%
2022 figures too old to score
Structure
2023 accounts not filed, 1059 days past the deadline1 of 4 deeds summarised
Signalsraises risk3 financial years not filed after the legal deadline; last filed accounts filed 128 days late; 2 of the last 3 lateFigures for financial year 2022 (filed 07-04-2023)Size: total assets €113,222Two or more financial years not filed2022 accounts filed 128 days latelowers riskLiquidity: current ratio 1.69, cash €18,622Show the evidence

Bankruptcy probability

No current score
Figures too old
The available figures for FY 2022 are too old to assess current financial health.
Bankruptcy probability: High
Filing: At least two filing cycles are missing
Financial strength, FY 2022 · tick = 2021
Average
Solvency 66-16
equity 40.9% of total assets
Liquidity 40-28
short-term debt 59.1% · cash 16.4%
Profitability 65-35
return on assets 11.0%
Bankruptcy probability, 12 months
10.4% High
0%0.5%1.5%4%10%≥ 25%

About 1 in 10 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,613 companies, NACE 43, micro)
Last 24 months 11-2024: 8.0%lowest value 12-2024: 10.5%▲ +2.5 percentage points vs 11-2024 01-2025: 10.5%● unchanged vs 12-2024 02-2025: 10.5%● unchanged vs 01-2025 03-2025: 10.5%● unchanged vs 02-2025 04-2025: 10.5%● unchanged vs 03-2025 05-2025: 11.0%▲ +0.5 percentage points vs 04-2025highest value 06-2025: 11.0%● unchanged vs 05-2025highest value 07-2025: 11.0%● unchanged vs 06-2025highest value 08-2025: 10.9%▼ -0.1 percentage points vs 07-2025 09-2025: 10.9%● unchanged vs 08-2025 10-2025: 10.9%● unchanged vs 09-2025 11-2025: 10.9%● unchanged vs 10-2025 12-2025: 10.4%▼ -0.5 percentage points vs 11-2025 01-2026: 10.4%● unchanged vs 12-2025 02-2026: 10.4%● unchanged vs 01-2026 03-2026: 10.4%● unchanged vs 02-2026 04-2026: 10.4%● unchanged vs 03-2026 05-2026: 10.4%● unchanged vs 04-2026 06-2026: 10.4%● unchanged vs 05-2026 07-2026: 10.4%● unchanged vs 06-2026 08-2026: 10.4%● unchanged vs 07-2026 09-2026: 10.4%● unchanged vs 08-2026 10-2026: 10.4%● unchanged vs 09-2026
Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Six signals.
lowers riskraises risk
raises risk · 3 financial years not filed after the legal deadline; last filed accounts filed 128 days late; 2 of the last 3 late
NBB · filings
raises risk · Figures for financial year 2022 (filed 07-04-2023)
NBB · annual accounts
raises risk · Size: total assets €113,222
Companies of this size fail more often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 1.69, cash €18,622
NBB · annual accounts
raises risk · Two or more financial years not filed
Since the financial year that closed on 30-04-2023, 3 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 2 filings
Position against the passed deadline
30-04-2023 year end30-11-2023 deadline24-10-2026 today
raises risk · 2022 accounts filed 128 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: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 2 filings
Deviation from the deadline
2025
not filed
2024
not filed
2023
not filed
2022
128 days late
2021
197 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 163 days after the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Algemene Vergadering - BoekjaarGeneral meeting
  2. Annual accounts filedfinancial year 2022 · micro…
  3. Annual accounts filedfinancial year 2021 · micro…

Financials · financial year 2022, micro format

2023 annual accounts not yet filed, deadline passed on 30 November 2023 Financial year closed on 30 April 2023; filing due at the latest 7 months after the close (Companies Code art. 3:10). 3 financial years without a filing since the last one filed. Source: NBB filings, as of 24 October 2026.

Turnover
€46,841
EBIT margin
51.1%
Net result
€12,419▼ 48.1%
2021 · €23,920
Working capital
€46,339▲ 36.6%
2021 · €33,920
Trend over the years

2021 to 2022, 2 financial years

The operating result falls in 2022; 2022 is 22% below 2021.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Operating result€18,749 2022 Net result€12,419 2022

Use the arrow keys on the chart for the figures per year.

Sector: the middle half of NACE 43, Specialised construction activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the financial year before
favourable unfavourable
Line20212022
Turnover€46,841-
Operating result€23,920-€18,749▼ 21.6%
Net result€23,920within the sector's middle half-€12,419within the sector's middle half▼ 48.1%
EBIT margin51.1%-
Equity€33,920within the sector's middle half-€46,339within the sector's middle half▲ 36.6%
Total assets€59,825below the sector's middle half-€113,222within the sector's middle half▲ 89.3%
Debt€25,905-€66,883▲ 158%
Working capital€33,920within the sector's middle half-€46,339within the sector's middle half▲ 36.6%
Solvency56.7%within the sector's middle half-40.9%within the sector's middle half▼ 15.8pp
Current ratio2.31within the sector's middle half-1.69within the sector's middle half▼ 0.62
Return on assets (ROA)40.0%above the sector's middle half-11.0%within the sector's middle half▼ 29.0pp
above within below the middle half of NACE 43, Specialised construction activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Equity and liabilities €113,222
Equity €46,339 ▲ 36.6%
Debt €66,883 ▲ 158%
Debt's share of the balance-sheet total rises from 43.3% to 59.1%. Equity and debt are higher.
Key figures and ratios
2022 value · change against 2021
Debt to equity
1.44▲
2021 · 0.76
ROE
26.8%▼
2021 · 70.5%
Debt ≤ 1 year
€66,883▲
2021 · €25,905
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2022 against 2021 · 31 lines
Balance sheet Code20212022
Assets
Total assets20/58€59,825€113,222▲
Current assets29/58€59,825€113,222▲
Amounts receivable within one year40/41€41,334€94,600▲
Trade receivables40€40,592€93,758▲
Other amounts receivable41€742€842▲
Cash at bank and in hand54/58€18,491€18,622▲
Equity and liabilities
Total equity and liabilities10/49€59,825€113,222▲
Equity10/15€33,920€46,339▲
Contributions10/11€10,000€10,000=
Capital10€10,000€10,000=
Issued capital100€10,000€10,000=
Profit (loss) carried forward14€23,920€36,339▲
Amounts payable17/49€25,905€66,883▲
Amounts payable within one year42/48€25,905€66,883▲
Trade debts44€7,600€40,907▲
Suppliers440/4€7,600€40,907▲
Other amounts payable47/48€18,306€25,975▲
Income statement Code20212022
Turnover70€46,841-
Goods, raw materials, services and sundry goods60/61€22,249-
Other operating charges640/8€672€393▼
Gross operating margin9900€24,591€19,142▼
Operating profit (loss)9901€23,920€18,749▼
Financial income75/76B-€10
Recurring financial income75-€10
Financial charges65/66B-€6,339
Recurring financial charges65-€6,339
Profit (loss) for the period before taxes9903€23,920€12,419▼
Profit (loss) for the period9904€23,920€12,419▼
Profit (loss) for the period to be appropriated9905€23,920€12,419▼
Appropriation of the result
Profit (loss) to be appropriated9906€23,920€36,339▲
Profit (loss) brought forward from the previous period14P-€23,920
Line20212022Change
Turnover70€46,841--
Goods, raw materials, services and sundry goods60/61€22,249--
Other operating charges640/8€672€393▼ 41.5%
Gross operating margin9900€24,591€19,142▼ 22.2%
Operating profit (loss)9901€23,920€18,749▼ 21.6%
Financial income75/76B-€10-
Recurring financial income75-€10-
Financial charges65/66B-€6,339-
Recurring financial charges65-€6,339-
Profit (loss) for the period before taxes9903€23,920€12,419▼ 48.1%
Profit (loss) for the period9904€23,920€12,419▼ 48.1%
Profit (loss) for the period to be appropriated9905€23,920€12,419▼ 48.1%
Line20212022Change
Assets
Total assets20/58€59,825€113,222▲ 89.3%
Current assets29/58€59,825€113,222▲ 89.3%
Amounts receivable within one year40/41€41,334€94,600▲ 129%
Trade receivables40€40,592€93,758▲ 131%
Other amounts receivable41€742€842▲ 13.4%
Cash at bank and in hand54/58€18,491€18,622▲ 0.7%
Equity and liabilities
Total equity and liabilities10/49€59,825€113,222▲ 89.3%
Equity10/15€33,920€46,339▲ 36.6%
Contributions10/11€10,000€10,000=
Capital10€10,000€10,000=
Issued capital100€10,000€10,000=
Profit (loss) carried forward14€23,920€36,339▲ 51.9%
Amounts payable17/49€25,905€66,883▲ 158%
Amounts payable within one year42/48€25,905€66,883▲ 158%
Trade debts44€7,600€40,907▲ 438%
Suppliers440/4€7,600€40,907▲ 438%
Other amounts payable47/48€18,306€25,975▲ 41.9%
Line20212022Change
Profit (loss) for the period9904€23,920€12,419▼ 48.1%
Operating cash flow (approximation)€23,920€12,419▼ 48.1%
Change in cash-€131-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (2)
Financial year Type Filed Reference
30-04-2022 micro format 07-04-2023 2023-00055726
30-04-2021 micro format 15-06-2022 2022-20064615

Similar companies · same sector, comparable size

Of the 739 active companies whose main activity is screed work (NACE 43422), figures are known for 428. 341 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
No directors read yet: 1 of 4 Gazette acts processed. See the directors and other office holders in the KBO →

Owners and capital

Owners

No owners or capital events in the accounts and acts we read.

History

SAFFIER was incorporated on 23 January 2020 as a private limited company.1 The company has filed 2 sets of annual accounts, the latest for financial year 2022.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2022

Acts, filings and financial milestones

2024
25-11
Gazette deed Algemene Vergadering - Boekjaar
General meeting1 fact ▸
  • General meeting, “buitengewone algemene vergadering” (deed in Dutch)
2023
07-04
NBB filing Annual accounts filed
financial year 2022 · micro format · 128 days late
2022
15-06
NBB filing Annual accounts filed
financial year 2021 · micro format · 197 days late
Gazette deedNBB filing
1 of 4 deeds read
About the unread acts

Of the 4 Belgian Official Gazette deeds we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Register details

Identification
Legal formPrivate limited company
Founded23-01-2020
Financial year end30-04
Activities, NACEBEL 2025
43422Screed work
77320Rental and leasing activities
E-invoicing
Reachable via Peppol
Peppol ID 0208:0741946763
Also 9925:BE0741946763
Registered 30-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 24 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice, with enterprise number 0741.946.763

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Oudsbergen · 1 establishment unit since 2020
registered office establishment The establishment unit on the map
Ground area
98 m²
Building footprint
98 m²
Building volume
516 m³
Parcel 71562B0865/00S002, Flanders · tallest building 7.3 m. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
SAFFIER
Hermisweg 39A, 3660 OudsbergenScreed work
since 2020unit no. 2.299.617.008
1 parcel
Flanders 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
71562B0865/00S002 Flanders 98 m² 1 · 98 m² 7.3 m · 2
How the parcels are linked
Good to know
The parcel matches the address exactly.

Articles of association

Financial yearThe twelve-month period the company draws up its annual accounts for.
From 1 January to 31 December
Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
Third Thursday of June at 20:00

Read from the deeds: 2 provisions, deed of 25-11-2024