SAGIS
ActiveSummary
SAGIS has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €89k and a net result of €9k. Equity is shrinking by ~7% per year across the filed fiscal years. Its solvency ranks better than 51% of 7780 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability76▲+3
Solvency77▼-23
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.78 against 3.29 in 2024; short-term debt: 46.8% and cash: 58.4% of total assets), and 48.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
51.7%
Return on assets
5.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-08-2026, 6 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 · 10 filingsDeviation from the deadline
2025
6 d late
2024
31 d late
2023
31 d late
2022
9 d late
2021
30 d late
2020
12 d late
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€89k▼ 37.8%
2024 · €143k
2018: €121k
2019: €141k▲ +16.9% vs 2018
2020: €207k▲ +46.8% vs 2019highest in 8 years
2021: €204k▼ -1.6% vs 2020
2022: €180k▼ -11.5% vs 2021
2023: €157k▼ -12.6% vs 2022
2024: €143k▼ -9.0% vs 2023
2025: €89k▼ -37.8% vs 2024lowest in 8 years
2018 → 2025
Total assets
€172k▼ 9.2%
2024 · €190k
2018: €140klowest in 8 years
2019: €172k▲ +23.0% vs 2018
2020: €244k▲ +41.7% vs 2019highest in 8 years
2021: €223k▼ -8.7% vs 2020
2022: €207k▼ -7.0% vs 2021
2023: €195k▼ -5.8% vs 2022
2024: €190k▼ -2.8% vs 2023
2025: €172k▼ -9.2% vs 2024
2018 → 2025
Net result
€9k▲ 64.6%
2024 · €6k
2018: €17k
2019: €21k▲ +25.6% vs 2018
2020: €73k▲ +241% vs 2019highest in 8 years
2021: €12k▼ -83.3% vs 2020
2022: €21k▲ +76.8% vs 2021
2023: €17k▼ -22.2% vs 2022
2024: €6k▼ -65.6% vs 2023lowest in 8 years
2025: €9k▲ +64.6% vs 2024
2018 → 2025
Working capital
€63k▼ 37.5%
2024 · €101k
2018: €118k
2019: €139k▲ +17.8% vs 2018
2020: €204k▲ +46.7% vs 2019highest in 8 years
2021: €190k▼ -6.8% vs 2020
2022: €112k▼ -40.9% vs 2021
2023: €97k▼ -13.3% vs 2022
2024: €101k▲ +3.6% vs 2023
2025: €63k▼ -37.5% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€204k-€180k▼ 11.5%€157k▼ 12.6%€143k▼ 9.0%€89k▼ 37.8%
2021: €204khighest in 5 years
2022: €180k▼ -11.5% vs 2021
2023: €157k▼ -12.6% vs 2022
2024: €143k▼ -9.0% vs 2023
2025: €89k▼ -37.8% vs 2024lowest in 5 years
Operating result€22k-€29k▲ 31.1%€22k▼ 24.3%€11k▼ 51.3%€11k▲ 6.8%
2021: €22k
2022: €29k▲ +31.1% vs 2021highest in 5 years
2023: €22k▼ -24.3% vs 2022
2024: €11k▼ -51.3% vs 2023lowest in 5 years
2025: €11k▲ +6.8% vs 2024
Net result€12k-€21k▲ 76.8%€17k▼ 22.2%€6k▼ 65.6%€9k▲ 64.6%
2021: €12k
2022: €21k▲ +76.8% vs 2021highest in 5 years
2023: €17k▼ -22.2% vs 2022
2024: €6k▼ -65.6% vs 2023lowest in 5 years
2025: €9k▲ +64.6% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 7% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €172k
Fixed assets
€28k ▼ 36.5%
Current assets
€144k ▼ 0.8%
Equity and liabilities €172k
Equity
€89k ▼ 37.8%
Debt
€83k ▲ 79.0%
Debt's share of the balance-sheet total rises from 24.5% to 48.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€28k▼
2024 · €29k
Cash flow
€26k▲
2024 · €24k
Current ratio
1.78▼
2024 · 3.29
Debt to equity
0.93▲
2024 · 0.32
ROE
10.6%▲
2024 · 4.0%
ROA
5.5%▲
2024 · 3.0%
Interest coverage
518.64▲
2024 · 116.65
Debt ≤ 1 year
€81k▲
2024 · €44k
Income taxes
€5k▲
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€190k€172k▼
Fixed assets21/28€45k€28k▼
Tangible fixed assets22/27€45k€28k▼
Plant, machinery and equipment23€642€181▼
Furniture and vehicles24€31k€16k▼
Other tangible fixed assets26€13k€12k▼
Current assets29/58€145k€144k▼
Amounts receivable within one year40/41€24k€16k▼
Trade receivables40€20k€14k▼
Other amounts receivable41€4k€2k▼
Current investments50/53€93k€26k▼
Cash at bank and in hand54/58€28k€101k▲
Deferred charges and accrued income490/1€862€1k▲
Equity and liabilities
Total equity and liabilities10/49€190k€172k▼
Equity10/15€143k€89k▼
Contributions10/11€8k€8k=
Reserves13€117k€62k▼
Distributable reserves133€117k€62k▼
Profit (loss) carried forward14€19k€19k▲
Amounts payable17/49€46k€83k▲
Amounts payable within one year42/48€44k€81k▲
Trade debts44€7k€3k▼
Suppliers440/4€7k€3k▼
Advances received on contracts in progress46€3k-
Taxes, remuneration and social security45€14k€9k▼
Taxes450/3€14k€9k▼
Other amounts payable47/48€20k€69k▲
Accrued charges and deferred income492/3€3k€3k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€16k▼
Other operating charges640/8€1k€719▼
Gross operating margin9900€30k€29k▼
Operating profit (loss)9901€11k€11k▲
Financial income75/76B€71€4k▲
Recurring financial income75€71€4k▲
Financial charges65/66B€245€54▼
Recurring financial charges65€245€54▼
Profit (loss) for the period before taxes9903€11k€15k▲
Income taxes67/77€5k€5k▲
Profit (loss) for the period9904€6k€9k▲
Profit (loss) for the period to be appropriated9905€6k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€28k▲
Profit (loss) brought forward from the previous period14P€18k€19k▲
Transfer from equity791/2€20k€64k▲
Transfer to equity691/2€6k€9k▲
To other reserves6921€6k€9k▲
Profit to be distributed694/7€20k€64k▲
Return on contributions (dividend)694€20k€64k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3k | €15k | €17k | €18k | €16k | ▼ 8.1% |
| Other operating charges640/8 | €775 | €728 | €553 | €1k | €719 | ▼ 48.8% |
| Gross operating margin9900 | €26k | €45k | €40k | €30k | €29k | ▼ 4.7% |
| Operating profit (loss)9901 | €22k | €29k | €22k | €11k | €11k | ▲ 6.8% |
| Financial income75/76B | €2k | €258 | €659 | €71 | €4k | ▲ 4,873% |
| Recurring financial income75 | €2k | €258 | €659 | €71 | €4k | ▲ 4,873% |
| Financial charges65/66B | €146 | €154 | €1k | €245 | €54 | ▼ 78.1% |
| Recurring financial charges65 | €146 | €154 | €1k | €245 | €54 | ▼ 78.1% |
| Profit (loss) for the period before taxes9903 | €24k | €29k | €21k | €11k | €15k | ▲ 41.4% |
| Income taxes67/77 | €12k | €8k | €5k | €5k | €5k | ▲ 13.7% |
| Profit (loss) for the period9904 | €12k | €21k | €17k | €6k | €9k | ▲ 64.6% |
| Transfer from tax-exempt reserves789 | €293 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €12k | €21k | €17k | €6k | €9k | ▲ 64.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €223k | €207k | €195k | €190k | €172k | ▼ 9.2% |
| Fixed assets21/28 | €15k | €69k | €63k | €45k | €28k | ▼ 36.5% |
| Tangible fixed assets22/27 | €15k | €69k | €63k | €45k | €28k | ▼ 36.5% |
| Plant, machinery and equipment23 | - | - | €1k | €642 | €181 | ▼ 71.8% |
| Furniture and vehicles24 | €6k | €61k | €47k | €31k | €16k | ▼ 49.0% |
| Other tangible fixed assets26 | €9k | €9k | €14k | €13k | €12k | ▼ 4.7% |
| Current assets29/58 | €208k | €138k | €133k | €145k | €144k | ▼ 0.8% |
| Amounts receivable within one year40/41 | €42k | €35k | €21k | €24k | €16k | ▼ 31.7% |
| Trade receivables40 | €12k | €25k | €21k | €20k | €14k | ▼ 29.9% |
| Other amounts receivable41 | €30k | €11k | €556 | €4k | €2k | ▼ 41.8% |
| Current investments50/53 | - | - | €101k | €93k | €26k | ▼ 72.3% |
| Cash at bank and in hand54/58 | €159k | €101k | €9k | €28k | €101k | ▲ 265% |
| Deferred charges and accrued income490/1 | €7k | €1k | €1k | €862 | €1k | ▲ 39.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €223k | €207k | €195k | €190k | €172k | ▼ 9.2% |
| Equity10/15 | €204k | €180k | €157k | €143k | €89k | ▼ 37.8% |
| Contributions10/11 | €8k | €8k | €8k | €8k | €8k | = |
| Reserves13 | €180k | €156k | €131k | €117k | €62k | ▼ 46.7% |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Distributable reserves133 | €178k | €154k | €131k | €117k | €62k | ▼ 46.7% |
| Profit (loss) carried forward14 | €16k | €17k | €18k | €19k | €19k | ▲ 2.6% |
| Amounts payable17/49 | €19k | €27k | €38k | €46k | €83k | ▲ 79.0% |
| Amounts payable within one year42/48 | €18k | €26k | €35k | €44k | €81k | ▲ 83.5% |
| Trade debts44 | €4k | €7k | €946 | €7k | €3k | ▼ 56.8% |
| Suppliers440/4 | €4k | €7k | €946 | €7k | €3k | ▼ 56.8% |
| Advances received on contracts in progress46 | €9k | €4k | €4k | €3k | - | - |
| Taxes, remuneration and social security45 | €5k | €7k | €8k | €14k | €9k | ▼ 33.9% |
| Taxes450/3 | €5k | €7k | €8k | €14k | €9k | ▼ 33.9% |
| Other amounts payable47/48 | - | €7k | €22k | €20k | €69k | ▲ 243% |
| Accrued charges and deferred income492/3 | €1k | €1k | €3k | €3k | €3k | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €12k | €21k | €17k | €6k | €9k | ▲ 64.6% |
| + Depreciation and write-downs630 | €3k | €15k | €17k | €18k | €16k | ▼ 8.1% |
| Operating cash flow (approximation) | €15k | €36k | €34k | €24k | €26k | ▲ 9.7% |
| Investment in fixed assets (approximation) | - | €-69k | €-11k | €0 | €0 | - |
| Change in cash | - | €-58k | €-92k | €18k | €73k | ▲ 300% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 6 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Weakest financial yearnet €6k ▼65.6%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
31-12
Financial
Highest result since 2018net €73k ▲241%
Operating result €96k, net result €73k, both a record.
31-12
Financial
Equity above €200kEq €207k ▲46.8%
3 profitable years in a row build equity to €207k.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Tervuren · 1 establishment unit since 2007
Ground area
1,825 m²
Building footprint
225 m²
Volume, LiDAR
929 m³
Parcel 24302F0147/00W000, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
Sneppenlaan 40, 3080 Tervuren
since 20072.166.257.151
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24302F0147/00W000 | Flanders | 1,825 m² | 1 · 225 m² | 7.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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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KB FINANCE CONSULTING
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Of 24,497 companies in sector 82990 we hold annual accounts for 9,406. 7,177 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded23-10-2007
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
46500Wholesale of information and communication equipment
62900Other information technology and computer services
70200Business and other management consultancy
Contact
Website
www.sagis.be
E-mail
info@sagis.be
Scores and ratios are computed by Checked and are not a credit decision.