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Generated 12-08-2026
Active BE 0748.644.218Private limited company

SAGAPHARM

Rue de la Gare 10 ·4217 Héron, Belgium· 6 yrs active
Sector: Handel in eigen onroerend goed (68110)
Conclusion Checked

The computed 12-month bankruptcy probability of SAGAPHARM is 0.8% (low). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.
Key figures
Active 6 yrs
Locations 1
Publications 2
Bankruptcy probability (12 mo) Checked model v1 · free
0.8% Low
0%0,5%1,5%4%10%≥25%
Young company +Lower-failure-rate sector −Higher-failure-rate region +

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

Risk Assessment rule-based
0 / 100
Low risk
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 0 events
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.
Financial overview4 NBB filings
Financials being processed
NBB has 4 filing(s) on record for this company, latest fiscal year 2024 (micro). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
31-12-2024 micro 10-07-2025 2025-00261159
31-12-2023 micro 30-08-2024 2024-00429503
31-12-2022 micro 29-06-2023 2023-00183293
31-12-2021 micro 31-08-2022 2022-20405750
Statutory auditor 1 auditor
Statutory auditor IRE/IBR number Tenure
Christophe REMONCurrent
Company auditor
 - 16-12-2025 → present
Appointed statutory auditor from the Belgian State Gazette. The IRE/IBR number refers to the register of the Institute of Registered Auditors.
Legal Structure
NACE primary Handel in eigen onroerend goed(68110)
Legal form Private limited company(610)
Incorporation17-06-2020
StatusActive
Postal code4217
Establishment units 1 location
SAGAPHARM
Rue de la Gare 10, 4217 HéronAlgemene elektrotechnische installatiewerken
since 20212.310.617.796
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

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.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
61028D0020/00K000 Wallonia 2,398 m² 1 · 161 m² 11.1 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 6 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
22-12-2025
State Gazette act Capital & shares
v3.2
10-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
30-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
29-06-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
31-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2020
19-06-2020
State Gazette act Incorporation
oprichting
Belgisch Staatsblad, acts 2 acts
Capital history · 1
22-12-2025
v3.2
All acts · 2 updated 7 months ago
2025
22-12-2025 Capital increase of €314,800 Capital & shares
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "capital_increase",
      "amount": 314800,
      "currency": "EUR",
      "after_eur": null,
      "delta_eur": 314800,
      "before_eur": null,
      "amount_type": "kapitaal_effectief",
      "effective_date": "2025-12-16",
      "evidence_quote": "L\u2019assembl\u00E9e g\u00E9n\u00E9rale d\u00E9cide d\u2019augmenter les apports disponibles en soci\u00E9t\u00E9, \u00E0 concurrence de trois cent quatorze mille huit cents euros (314.800 EUR), par la cr\u00E9ation de mille cinq cent septante-quatre (1.574) nouvelles actions.",
      "contribution_type": "in_kind"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0748.644.218",
    "name_full": "SAGAPHARM",
    "legal_form": "SRL"
  }
}
2020
19-06-2020 Incorporation of a new SRL Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "4217 H\u00E9ron, Rue de la Gare 10",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1972-12-10",
        "name": "LUCAS Sandrine Elisabeth Jacqueline",
        "niss": null,
        "address": "4217 H\u00E9ron, rue de la Gare, 10"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 20000,
      "holder_person_name": "LUCAS Sandrine Elisabeth Jacqueline",
      "is_subscriber_only": false,
      "n_shares_subscribed": 100,
      "amount_subscribed_eur": 20000,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 20000,
  "subject_company": {
    "kbo": "0748.644.218",
    "name_full": "SAGAPHARM",
    "legal_form": "SRL"
  },
  "initial_directors": [],
  "incorporation_date": "2020-06-16",
  "post_incorporation_mandates": []
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Handel in eigen onroerend goed68100Handel in eigen onroerend goed68110Elektrotechnische installatiewerken aan gebouwen43211Algemene elektrotechnische installatiewerken43211Stukadoorswerk43310Stukadoorswerk43310Plaatsen van behang en vloerbedekking en wandbekleding van andere materialen43333Plaatsen van behang en vloerbedekking en wandbekleding van andere materialen43333Schilderen van gebouwen43341Schilderen van gebouwen43341Waterdichtingswerken van muren43421Waterdichtingswerken van muren43991Bemiddeling in verband met exploitatie van en handel in onroerend goed68310Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis68311Beheer van residentieel onroerend goed voor een vast bedrag of op contractbasis68321Activiteiten van syndici van onroerend goed68321Beheer van niet-residentieel onroerend goed voor een vast bedrag of op contractbasis68322Diverse ondersteunende activiteiten ten behoeve van voorzieningen81100Diverse ondersteunende activiteiten ten behoeve van voorzieningen81100Algemene reiniging van gebouwen81210Algemene reiniging van gebouwen81210
Primary activity highlighted.
Names & trade names
Legal nameFR SAGAPHARM
Registered office
Rue de la Gare 10
4217 Héron, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative