SAIDHOLI
ActiveThe computed 12-month bankruptcy probability of SAIDHOLI is 2.6% (moderate). The 2025 annual accounts show equity of €45k and a net result of €-1k. Equity is growing by ~18.4% per year across the filed fiscal years. Its solvency ranks better than 39% of 3616 sector peers (fiscal year 2025). The company has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
20
/ 100
Critical▼ -48 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency23▼-20
Growth52=
Stability100
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 1.0 against 1.12 in 2024), and 81.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
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 2025Solvency, return and age of the figures
Solvency
18.7%
Return on assets
-0.5%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
31 d late
2023
30 d late
2022
29 d late
2021
36 d late
2020
73 d late
2019
61 d late
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€45k▼ 23.8%
2024 · €60k
2018: €-2k
2019: €2k
2020: €-20k
2021: €47k
2022: €48k
2023: €47k
2024: €60k
2018 → 2025
Total assets
€242k▲ 7.2%
2024 · €226k
2018: €148k
2019: €211k
2020: €158k
2021: €191k
2022: €202k
2023: €226k
2024: €226k
2018 → 2025
Net result
€-1k
2024 · €12k
2018: €28k
2019: €4k
2020: €-22k
2021: €67k
2022: €66k
2023: €35k
2024: €12k
2018 → 2025
Working capital
€-255
2024 · €19k
2018: €-27k
2019: €-26k
2020: €-42k
2021: €575
2022: €-1k
2023: €30k
2024: €19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€47k-€48k▲ 1.2%€47k▼ 1.0%€60k▲ 26.2%€45k▼ 23.8%
Operating result€97k-€93k▼ 3.5%€62k▼ 33.2%€26k▼ 58.7%€20k▼ 22.1%
Net result€67k-€66k▼ 1.9%€35k▼ 47.4%€12k▼ 64.2%€-1k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 22% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €242k
Fixed assets
€46k▼ 12.1%
Current assets
€197k▲ 13.0%
Equity and liabilities €242k
Equity
€45k▼ 23.8%
Debt
€197k▲ 18.3%
The debt ratio rises from 73.6% to 81.3%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€35k▼
2024 · €39k
Cash flow
€13k▼
2024 · €25k
Solvency
18.7%▼
2024 · 26.4%
Current ratio
1.00▼
2024 · 1.12
Quick ratio
0.84▼
2024 · 0.98
Debt / equity
4.34▲
2024 · 2.79
ROE
-2.7%▼
2024 · 20.8%
ROA
-0.5%▼
2024 · 5.5%
Interest coverage
2.13▼
2024 · 2.37
Debt
€197k▲
2024 · €166k
Debt ≤ 1 year
€197k▲
2024 · €155k
Debt > 1 year
€0▼
2024 · €11k
Income taxes
€14k▲
2024 · €5k
Staff costs
€381k▲
2024 · €373k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€226k€242k▲
Fixed assets21/28€52k€46k▼
Intangible fixed assets21€2k€0▼
Tangible fixed assets22/27€42k€37k▼
Land and buildings22€3k€2k▼
Plant, machinery and equipment23€8k€11k▲
Furniture and vehicles24€31k€24k▼
Financial fixed assets28€9k€9k▲
Current assets29/58€174k€197k▲
Amounts receivable after more than one year29€128k€137k▲
Other amounts receivable291€128k€137k▲
Stocks and contracts in progress3€22k€30k▲
Stocks30/36€22k€30k▲
Amounts receivable within one year40/41€10k€3k▼
Trade receivables40€5k€999▼
Other amounts receivable41€5k€2k▼
Cash at bank and in hand54/58€10k€7k▼
Deferred charges and accrued income490/1€4k€19k▲
Equity and liabilities
Total equity and liabilities10/49€226k€242k▲
Equity10/15€60k€45k▼
Contributions10/11€6k€6k=
Reserves13€31k€31k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€29k€29k=
Profit (loss) carried forward14€22k€8k▼
Amounts payable17/49€166k€197k▲
Amounts payable after more than one year17€11k€0▼
Financial debts170/4€11k€0▼
Amounts payable within one year42/48€155k€197k▲
Current portion of amounts payable after more than one year42€20k€23k▲
Financial debts43€5k€5k▼
Credit institutions430/8€5k€5k▼
Trade debts44€56k€64k▲
Suppliers440/4€56k€64k▲
Taxes, remuneration and social security45€72k€88k▲
Taxes450/3€39k€45k▲
Remuneration and social security454/9€33k€42k▲
Other amounts payable47/48€3k€18k▲
Accrued charges and deferred income492/3€262€0▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€373k€381k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€15k▲
Other operating charges640/8€15k€14k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€427k€429k▲
Operating profit (loss)9901€26k€20k▼
Financial income75/76B€8k€9k▲
Recurring financial income75€8k€9k▲
Financial charges65/66B€16k€16k▲
Recurring financial charges65€16k€16k▲
Profit (loss) for the period before taxes9903€18k€13k▼
Income taxes67/77€5k€14k▲
Profit (loss) for the period9904€12k€-1k▼
Profit (loss) for the period to be appropriated9905€12k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€21k▼
Profit (loss) brought forward from the previous period14P€10k€22k▲
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€0€13k▲
Return on contributions (dividend)694€0€13k▲
Social balance
Average headcount (FTE)9087-10.6
The notes to these accounts (19 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
05-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 36 days late
2021
31-12
Financial
Back to profitnet €67k
Net result €67k after one loss-making year.
12-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 73 days late
2020
31-12
Financial
Weakest financial yearnet €-22k ▼680%
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 92 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.
Directors · office · real estate
Directors
2 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, Ottignies-Louvain-la-Neuve · 3 establishment units since 2004
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.
Grand-Rue 91348 Ottignies-Louvain-la-NeuveGround area
4,379 m²
Building footprint
2,456 m²
Volume, LiDAR
42,282 m³
2 parcels, Wallonia · tallest building 27.5 m, ±7 floors. Linked by address, not a title deed.
3 establishment units
Nulle Part Ailleurs
since 20042.136.488.049
Nulle Pâtes Ailleurs
since 20172.263.927.639
Nulle Pâtes Ailleurs
since 20212.311.610.166
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25386B0066/00B002 | Wallonia | 2,958 m² | 1 · 1,286 m² | 17.6 m · 5 fl. |
| 25386B0066/00C003 | Wallonia | 1,421 m² | 1 · 1,170 m² | 27.5 m · 7 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.
Recognitions · licences · registrations
Food safety, FASFC
3 sitesOttignies-Louvain-la-Neuve2.136.488.049
Ottignies-Louvain-la-Neuve2.263.927.639
Ottignies-Louvain-la-Neuve2.311.610.166
Similar companies · same sector, comparable size
HPB RUE DES TREVES
BE 0743.930.711
Antwerpen · Eq €45k
PAND 113
BE 0835.052.115
De Haan · Eq €45k
NPL
BE 0525.815.818
Antwerpen · Eq €45k
La Ferme de l’Ornoy
BE 0739.665.382
Mont-Saint-Guibert · Eq €45k
AURELIO
BE 0890.102.385
Dendermonde · Eq €45k
Of 20,231 companies in sector 56111 we hold annual accounts for 11,313. 9,669 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-04-2004
Fiscal year end31-12
Activities, NACEBEL
55301
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.