SAFYA.BE
ActiveThe computed 12-month bankruptcy probability of SAFYA.BE is 5.3% (elevated). The 2024 annual accounts show equity of €22k and a net result of €5k. Equity is growing by ~43.4% per year across the filed fiscal years. Its solvency ranks better than 68% of 6717 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability85▲+85
Solvency80▲+18
Growth73=
Track record100
Bankruptcy probability, 12 months
5.3%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity short (current ratio 0.91 against 0.51 in 2023; short-term debt: 44.5% and cash: 7.7% of total assets), and 44.5% 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.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
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
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 2024Solvency, return and age of the figures
Solvency
55.5%
Return on assets
12.7%
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 25-09-2025, 56 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
56 d late
2023
61 d late
2022
11 d late
2021
82 d late
2020
87 d late
2019
59 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€16k▼ 50.6%
2020 · €32k
2019: €13k
2020: €32k
2019 → 2021
EBIT margin
-34.2%▼ 74.0pp
2020 · 39.8%
2019: -67.3%
2020: 39.8%
2019 → 2021
Net result
€5k
2023 · €-7k
2019: €-9k
2020: €13k
2021: €-6k
2022: €43
2023: €-7k
2019 → 2024
Working capital
€-2k▲ 89.3%
2023 · €-14k
2019: €-9k
2020: €10k
2021: €4k
2022: €-14k
2023: €-14k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€32k-€16k▼ 50.6%
Equity€10k-€4k▼ 56.0%€17k▲ 284%€17k=€22k▲ 29.6%
Operating result€13k-€-5k€213€-7k€5k
Net result€13k-€-6k€43€-7k€5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €5k after a loss of €7k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €39k
Fixed assets
€23k▼ 25.0%
Current assets
€16k▲ 6.9%
Equity and liabilities €39k
Equity
€22k▲ 29.6%
Debt
€18k▼ 40.1%
The debt ratio falls from 63.5% to 44.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€13k
Cash flow
€13k
Solvency
55.5%▲
2023 · 36.5%
Current ratio
0.91▲
2023 · 0.51
Quick ratio
0.91▲
2023 · 0.51
Debt / equity
0.80▼
2023 · 1.74
ROE
22.9%▲
2023 · -41.2%
ROA
12.7%▲
2023 · -15.1%
Interest coverage
77.35
Debt
€18k▼
2023 · €29k
Debt ≤ 1 year
€18k▼
2023 · €29k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€46k€39k▼
Fixed assets21/28€31k€23k▼
Tangible fixed assets22/27€31k€23k▼
Furniture and vehicles24€31k€23k▼
Current assets29/58€15k€16k▲
Amounts receivable within one year40/41€15k€13k▼
Other amounts receivable41€15k€13k▼
Cash at bank and in hand54/58-€3k
Equity and liabilities
Total equity and liabilities10/49€46k€39k▼
Equity10/15€17k€22k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-4k€1k▲
Amounts payable17/49€29k€18k▼
Amounts payable within one year42/48€29k€18k▼
Other amounts payable47/48€29k€18k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€8k
Gross operating margin9900€-7k€13k▲
Operating profit (loss)9901€-7k€5k▲
Financial charges65/66B-€168
Recurring financial charges65-€168
Profit (loss) for the period before taxes9903€-7k€5k▲
Profit (loss) for the period9904€-7k€5k▲
Profit (loss) for the period to be appropriated9905€-7k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-10k€1k▲
Profit (loss) brought forward from the previous period14P€-4k€-4k=
Shareholders' contribution to the loss794€7k-
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 56 days late
2024
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
31-12
Financial
Back to profitnet €43
Net result €43 after one loss-making year.
21-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 82 days late
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 87 days late
2020
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
31-12
Financial
Liquidity times 387current ratio 70.84
Current ratio from 0.18 to 70.84; short-term debt falls from €11k to €143.
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Vorst · 1 establishment unit since 2019
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.
Van Volxemlaan 3771190 VorstGround area
179 m²
Building footprint
157 m²
Volume, LiDAR
2,094 m³
2 parcels, Brussels · tallest building 19.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
SAFYA.BE
since 20192.285.445.605
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21007A0051/00F002 | Brussels | 120 m² | 1 · 98 m² | 17.9 m · 5 fl. |
| 21014A0318/00T000 | Brussels | 59 m² | 1 · 58 m² | 19.5 m · 5 fl. |
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.
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VETAX
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Of 6,687 companies in sector 49330 we hold annual accounts for 2,291. 1,991 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded28-11-2018
Fiscal year end31-12
Activities, NACEBEL
49320Non-scheduled passenger transport by road
49330On-demand passenger transport by chauffeured vehicle
49310Scheduled passenger transport by road
49390Land transport and transport via pipelines
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.