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SaGa etc

Active
Private limited companyfounded 20223 yrs activeHardstraat 39, 1970 Wezembeek-Oppem, BelgiumKBO/BCE: BE 0792.427.939
Summary

SaGa etc has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €469,987 and a net result of €49,402. Its solvency ranks better than 95% of 38777 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
SaGa etcActiveChecked score 97/100
Risk analysis ReportCompare

Overview

Activity
Business and other management consultancy
NACE 70200Business consulting NACE 70220
1 site
Size
€484,600total assets 2025
Staff
2 FTE
Equity
€469,987
Profit
€49,402
Turnover not published (abridged schema)
Financial health
97 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Board
1 member
Accounts 18 d early
Why 97+ Liquidity: current ratio 31.19, cash €367,404+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Size: total assets €484,600+ Equity €469,987 (97.0% of total assets)Show the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Better than 73% of its sector peers (NACE 70, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100+2
equity 97.0% of total assets
Liquidity 100+10
short-term debt 3.0% · cash 75.8%
Profitability 81-19
return on assets 10.2%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (47,788 companies)
Last 24 months 11-2024: 0.6%highest value 12-2024: 0.6%▼ -1.7% vs 11-2024 01-2025: < 0.1%▼ -95.3% vs 12-2024 02-2025: < 0.1%● 0.0% vs 01-2025 03-2025: < 0.1%● 0.0% vs 02-2025 04-2025: < 0.1%● 0.0% vs 03-2025 05-2025: < 0.1%● 0.0% vs 04-2025 06-2025: < 0.1%▼ -3.6% vs 05-2025 07-2025: < 0.1%▼ -3.7% vs 06-2025 08-2025: < 0.1%● 0.0% vs 07-2025 09-2025: < 0.1%▲ +3.8% vs 08-2025 10-2025: < 0.1%● 0.0% vs 09-2025 11-2025: < 0.1%● 0.0% vs 10-2025 12-2025: < 0.1%▲ +14.8% vs 11-2025 01-2026: < 0.1%▲ +6.5% vs 12-2025 02-2026: < 0.1%▼ -9.1% vs 01-2026 03-2026: < 0.1%● 0.0% vs 02-2026 04-2026: < 0.1%▼ -3.3% vs 03-2026 05-2026: < 0.1%● 0.0% vs 04-2026 06-2026: < 0.1%▼ -17.2% vs 05-2026 07-2026: < 0.1%▼ -4.2% vs 06-2026lowest value 08-2026: < 0.1%● 0.0% vs 07-2026lowest value 09-2026: < 0.1%● 0.0% vs 08-2026lowest value 10-2026: < 0.1%● 0.0% vs 09-2026lowest value
  • Liquidity: current ratio 31.19, cash €367,404 lowers the probability
  • Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
  • Size: total assets €484,600 lowers the probability for this profile
  • Equity €469,987 (97.0% of total assets) lowers the probability
Credit up to €45,000 at 30 days acceptable
Liquidity ample (current ratio 31.19 against 3.48 in 2024; short-term debt: 3% and cash: 75.8% of total assets), and 3% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 70, micro). Better than this share of them on solvency 86%, liquidity 97%, profitability 49%, growth against the median 59%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Liquidity: current ratio 31.19, cash €367,404
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Sector Activities of head offices; management consultancy activities (NACE 70)
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Size: total assets €484,600
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Equity €469,987 (97.0% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 13-01-2026, 18 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
18 d early
2024
36 d early
← 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 27 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
30-06-2026 close04-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Liquidity times 9current ratio 31.19
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Caution: Result fell in 2025from €417,585 to €49,402 ▼ 88.2% View
  • Positive: Among the best 5% on solvencysector median 56.0% · 38,777 companies 97.0% View
  • One director decidessole director in office 1 View

By topic

Financials

Fiscal year
2025
Total assets
€484,600
Profit
€49,402
Solvency
97.0%
Total assets▼ 15.6%
Net result
20242025
Go to Financials

Timeline

Events
4
Since
2022
Next accounts
by 31-01-2027
  1. 13-01-2026Annual accounts filed
  2. 30-06-2025Liquidity times 9
  3. 26-12-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Business and other management consultancyNACE 70200
Founded
13-10-2022
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
1
Purpose
Advies en bijstand aan ondernemingen en overheidsdiensten over de oprichting, ontwikkeling…
Go to Articles of association

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