Skip to content

SAGIM

Active
Public limited companyfounded 1991active for 35 yearsAvenue Maréchal Ney 1, 1410 Waterloo, BelgiumKBO/BCE: BE 0443.186.466
Summary

SAGIM has been active since 1991 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.2m and a net result of -€34,364. Equity remains stable across the filed financial years (±0.5% per year). Its solvency ranks better than 93% of 17,033 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Risk analysisFollow ReportCompare
SAGIMActiveChecked score 94/100
Risk analysis ReportCompare

Overview

Activity
Real estate agency activities
NACE 68310
1 site
Size
€3.4mtotal assets 2025
Equity
€3.2m
Loss
-€34,364
Financial health
94 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Structure
2025 accounts 23 days early1 of 7 deeds summarised
Why 94raises riskLiquidity: current ratio 7.51, cash €27,238, halvedlowers riskSize: total assets €3.4mFounded in 1991Equity €3.2m (92.0% of total assets)Show the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 56% of its sector peers (NACE 68, small)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 92.0% of total assets
Liquidity 51-2
short-term debt 8.0% · cash 0.8%
Profitability 35=
return on assets -1.0%
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% (6,984 companies, NACE 68, small)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025lowest value 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: 0.1%▲ +0.1 percentage points vs 12-2025highest value 02-2026: < 0.1%▼ -0.1 percentage points vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026
Credit of up to €290,000 on 30-day terms is acceptable
Liquidity ample (current ratio 7.51, compared with 7.08 in 2024, above the usual 1.5; short-term debt: 8% and cash: 0.8% of total assets), and 8% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, small): better than 92% on solvency, 65% on liquidity, 29% on profitability and 38% on growth.

The bankruptcy probability was computed on 24-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

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

Signals

Five signals.
lowers riskraises riskneutral
raises risk · Liquidity: current ratio 7.51, cash €27,238, halved
NBB · annual accounts
lowers risk · Size: total assets €3.4m
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Founded in 1991
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
lowers risk · Equity €3.2m (92.0% of total assets)
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 08-01-2026, 23 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
23 days early
2024
46 days early
2023
43 days early
2022
42 days early
2021
41 days early
2020
9 days early
2019
28 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 33 days before the deadline; the sector median (NACE 68) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 20 December (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end25-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Annual accounts filedfinancial year 2024 · micro…
  3. Reappointments: PERIN Raymond, HUYBRECHTS Liliane and…Purpose change · Amendment of…

Key points

  • Risk: 4 loss-making years in a rowloss financial year 2025 -€34,364 View
  • Caution: Among the weakest 11% on net resultsector median €6,035 · 17,023 companies -€34,364 View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View

By topic

Financials

Financial year
2025
Total assets
€3.4m
Loss
-€34,364
Solvency
92.0%
Turnover▼ 100.0%
Net result
20192023
Go to Financials

Board & ownership

Board
3 members
  • HUYBRECHTS LilianeDirector
  • PERIN ClaudeDirector
  • PERIN RaymondDirector
Go to Board & ownership

Timeline

Events
38
Since
1992
Next accounts
by 31-01-2027
  1. 19-12-2023Annual accounts filed
  2. 20-12-2022Annual accounts filed
  3. 21-12-2021Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Real estate agency activitiesNACE 68310
Founded
29-01-1991
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

Key facts about SAGIM

What is the company number of SAGIM?
0443.186.466. In Belgium the VAT number is the company number with BE in front: BE 0443.186.466.
Where is SAGIM based?
The registered office is at Avenue Maréchal Ney 1, 1410 Waterloo.Company details
What does SAGIM do?
According to the KBO register, the main activity is real estate agency activities (NACE 68310).
What is the legal form of SAGIM?
Public limited company (NV).
When was SAGIM founded?
On 29-01-1991.
Is SAGIM still active?
Yes, SAGIM is an active enterprise in the KBO register.
What is the turnover of SAGIM?
€0 in financial year 2023, according to the filed annual accounts.Financials
Is SAGIM profitable?
In financial year 2025, SAGIM made a loss of €34,364.
Where can I find the annual accounts of SAGIM?
SAGIM filed 35 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of SAGIM due?
By 31-01-2027, for financial year 2026.Timeline

Companies related to SAGIM

Go further with this company

How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

We would like to set cookies. That happens only with your consent. What we measure