SAFFREN
ActiveSAFFREN has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €242k and a net result of €44k. Equity is growing by ~21.9% per year across the filed fiscal years. Its solvency ranks better than 77% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-5
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 5.06 against 5.05 in 2024; short-term debt: 19.3% and cash: 44.4% of total assets), and 19.3% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
80.7%
Return on assets
14.7%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
27 d late
2022
31 d late
2021
2 d early
2020
31 d late
2019
94 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
Equity
€242k▲ 1.8%
2024 · €238k
2019: €47k
2020: €86k
2021: €124k
2022: €173k
2023: €224k
2024: €238k
2019 → 2025
Total assets
€300k▲ 2.0%
2024 · €295k
2019: €83k
2020: €160k
2021: €152k
2022: €190k
2023: €245k
2024: €295k
2019 → 2025
Net result
€44k▼ 20.5%
2024 · €55k
2019: €41k
2020: €40k
2021: €39k
2022: €50k
2023: €52k
2024: €55k
2019 → 2025
Working capital
€236k▲ 3.1%
2024 · €229k
2019: €39k
2020: €76k
2021: €115k
2022: €167k
2023: €216k
2024: €229k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€124k-€173k▲ 39.5%€224k▲ 29.6%€238k▲ 6.0%€242k▲ 1.8%
Operating result€54k-€69k▲ 27.9%€71k▲ 2.5%€76k▲ 6.4%€61k▼ 19.4%
Net result€39k-€50k▲ 29.4%€52k▲ 4.4%€55k▲ 6.3%€44k▼ 20.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 19% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €300k
Fixed assets
€6k▼ 31.0%
Current assets
€294k▲ 3.0%
Equity and liabilities €300k
Equity
€242k▲ 1.8%
Debt
€58k▲ 2.7%
The debt ratio rises from 19.2% to 19.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€64k▼
2024 · €78k
Cash flow
€47k▼
2024 · €58k
Solvency
80.7%▼
2024 · 80.8%
Current ratio
5.06▲
2024 · 5.05
Quick ratio
5.06▲
2024 · 5.05
Debt / equity
0.24▲
2024 · 0.24
ROE
18.2%▼
2024 · 23.3%
ROA
14.7%▼
2024 · 18.8%
Interest coverage
98.09▼
2024 · 241.36
Debt
€58k▲
2024 · €57k
Debt ≤ 1 year
€58k▲
2024 · €57k
Income taxes
€20k▼
2024 · €23k
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€295k€300k▲
Fixed assets21/28€9k€6k▼
Tangible fixed assets22/27€9k€6k▼
Land and buildings22€3k€3k▼
Furniture and vehicles24€6k€4k▼
Current assets29/58€285k€294k▲
Amounts receivable after more than one year29€113k€93k▼
Other amounts receivable291€113k€93k▼
Amounts receivable within one year40/41€16k€22k▲
Trade receivables40€16k€22k▲
Other amounts receivable41€96€96=
Current investments50/53€46k€46k=
Cash at bank and in hand54/58€110k€133k▲
Deferred charges and accrued income490/1€302€566▲
Equity and liabilities
Total equity and liabilities10/49€295k€300k▲
Equity10/15€238k€242k▲
Contributions10/11€6k€6k=
Reserves13€232k€236k▲
Distributable reserves133€232k€236k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€57k€58k▲
Amounts payable within one year42/48€57k€58k▲
Trade debts44€4k€7k▲
Suppliers440/4€4k€7k▲
Taxes, remuneration and social security45€13k€14k▲
Taxes450/3€13k€13k▼
Remuneration and social security454/9-€1k
Other amounts payable47/48€40k€38k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€80k€65k▼
Operating profit (loss)9901€76k€61k▼
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€325€650▲
Recurring financial charges65€325€650▲
Profit (loss) for the period before taxes9903€78k€64k▼
Income taxes67/77€23k€20k▼
Profit (loss) for the period9904€55k€44k▼
Profit (loss) for the period to be appropriated9905€55k€44k▼
Appropriation of the result
Profit (loss) to be appropriated9906€55k€44k▼
Transfer from equity791/2€41k€39k▼
Transfer to equity691/2€55k€44k▼
To other reserves6921€55k€44k▼
Profit to be distributed694/7€42k€40k▼
Return on contributions (dividend)694€42k€40k▼
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2019net €55k ▲6.3%
Operating result €76k, net result €55k, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Equity above €200kEq €224k ▲29.6%
5 profitable years in a row build equity to €224k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 10.95
Current ratio from 5.17 to 10.95; short-term debt falls from €28k to €17k.
31-12
Financial
Equity above €150kEq €173k ▲39.5%
4 profitable years in a row build equity to €173k.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €39k ▼3.2%
Net result drops to €39k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 5.17
Current ratio from 2.05 to 5.17; short-term debt falls from €72k to €28k.
31-12
Financial
Equity above €100kEq €124k ▲43.7%
3 profitable years in a row build equity to €124k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
02-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 94 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Ronse · 1 establishment unit since 2018
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.
Aatstraat 2039600 RonseGround area
231 m²
Building footprint
85 m²
Volume, LiDAR
528 m³
Parcel 45422C0400/00X003, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Aatstraat 203, 9600 Ronse
since 20182.274.550.327
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45422C0400/00X003 | Flanders | 231 m² | 1 · 85 m² | 11.2 m · 2 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.
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 39,046 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-02-2018
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
47632Retail sale of bicycles
47785Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:saffren@telenet.be
Phone:0475450557