Result
-€32,796 -€32,796
From profit to loss in 2025, after a profit of €17,354 in 2024.
SAIKO NO
Lifetime
6 annual accounts with figures on one time axispeak €63,926 (2023)
€5,760▼ 89.9%
lowest -€32,796 (2025)
-€32,796▼ €50,150
peak €43,145 (2024)
€10,349▼ 76.0%
€305,252▲ 33.3%
Board1 name since 2019
-
Documentsfilings and deeds
19-08-202619 days late
2025micro format
Gross margin from €56,777 to €5,760Loss of €32,796Equity from €43,145 to €10,349Debts from €229,003 to €305,252Investments €64,233
Key points
from the 2025 annual accountsTurnover
≈ €31,000 estimated
The micro format states no turnover.
Debts
€305,252 97% of the balance sheet
Financial debts 81%Suppliers 10%Taxes and wages 5%Other 4%
Of this, €58,619 falls due within a year.
Investments
€56,802 2.2 × depreciation
Green is investment, beige is depreciation. Land and buildings stand 2893.1% higher than in 2024.
Filings
6 annual accounts 4 late
The 2023 accounts came latest: 29 days after the end of the period.
Position in the sector
-€32,796
Lower net result than 95% of companies in computer programming and consultancy. Sector median €28,568 · 21,214 companies.
Checked score
54
Fair
Financially stronger than 27% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: 1.5% to 4.2%
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59.
Bankruptcy probability within 12 months
1.6% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,933 companies (NACE 62, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%lowest value
01-2025: 0.1%▲ +0.1 percentage points 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 06-2025
08-2025: 0.3%▲ +0.2 percentage points vs 07-2025
09-2025: 1.2%▲ +0.9 percentage points vs 08-2025
10-2025: 1.1%▼ -0.1 percentage points vs 09-2025
11-2025: 1.1%● unchanged vs 10-2025
12-2025: 1.1%● unchanged vs 11-2025
01-2026: 1.1%● unchanged vs 12-2025
02-2026: 1.1%● unchanged vs 01-2026
03-2026: 1.1%● unchanged vs 02-2026
04-2026: 1.1%● unchanged vs 03-2026
05-2026: 1.1%● unchanged vs 04-2026
06-2026: 1.0%▼ -0.1 percentage points vs 05-2026
07-2026: 1.1%▲ +0.1 percentage points vs 06-2026
08-2026: 1.7%▲ +0.6 percentage points vs 07-2026highest value
09-2026: 1.6%▼ -0.1 percentage points vs 08-2026
10-2026: 1.6%● unchanged vs 09-2026
11-2026: 1.6%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year
1 change of registered office in 24 months
Liquidity: current ratio 0.55
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Size: total assets €315,600
Calculation
The band follows from the bankruptcy probability. 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 62, micro). It does better than 11% of them on solvency, 76% on liquidity, 12% on profitability and 9% on growth.
The bankruptcy probability was computed on 10-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 646 companies had the same profile as SAIKO NO has now. Each dot stands for 2 companies, two years later.
86.1%
were still trading
5.7%
stopped another way
7.3%
went bankrupt
Another 0.9% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of SAIKO NO itself: 1.6% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 646 companies, not a prediction for SAIKO NO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €500 on 30-day terms, only on tighter conditions
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is insufficient, with a current ratio of 0.55 (0.38 in 2024), below 1. Short-term debt is 18.6% of total assets. 96.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 21208 sector peers (2025).
NBB · sector comparisonPosition among 21208 sector peers
Solvency
better than 10%
← weakest
strongest →
raises risk · 2025 accounts filed 19 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 6 filingsDeviation from the deadline
2025
19 days late
2024
29 days late
2023
29 days late
2022
3 days late
2021
52 days early
2020
1 day early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 5 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 19 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
last known board- de la MEILLEURE Fabian 100 sharesdeed of 25-07-2019
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0730970719
Registered office moved within Londerzeel
New registered office: Maldersesteenweg 67, 1840 Londerzeel · Previous registered office: Bloemstraat 44, 1840 Londerzeel · General meeting of 21-11-2024 · Gazette deed
Environmental permit granted
Bouwen of herbouwen · Londerzeel
Registered office moved from Tervuren to Londerzeel
New registered office: Bloemstraat 44 te 1840 Londerzeel · Previous registered office: Melijndreef 8 bus te 3080 Tervuren · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SAIKO NO Londerzeel | €315,600 | €5,760 | 3.3% | - |
| UNIXUS Wezembeek-Oppem | €335,210 | €5,759 | 3.1% | - |
| CREACORE Liège | €249,127 | €6,279 | 21.5% | - |
| pathw.ai Ghent | €241,748 | €4,816 | 1.5% | - |
| ACROBEL Aalst | €253,815 | €6,770 | 66.7% | - |
| IT ANYWHERE CONSULTANCY SERVICES Zaventem | €228,526 | €5,159 | 16.4% | - |
| Qosmo-Consulting Herent | €291,082 | €3,336 | 98.5% | - |
These companies have the same main activity as SAIKO NO: computer programming (NACE 62100). They are comparable in size and age: total assets between €229,000 and €335,000, founded between 2017 and 2021.
Official details
Source: KBO- Status
- Active since 23-07-2019Normal situation
- Activity
- Computer programmingNACE 62100and 1 other
- Establishment unit
- 2.291.793.9573080 Tervuren, since 24-07-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 01-01-2026
Insights on SAIKO NO
SAIKO NO files the micro format. That format states no turnover. The gross margin fell from €47,681 in 2020 to €5,760 in 2025.
The balance sheet grew most from 2024 to 2025 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SAIKO NO
- What is the company number of SAIKO NO?
- The company number of SAIKO NO is 0730.970.719. The VAT number is the same number with BE in front: BE 0730.970.719.
- Where is SAIKO NO based?
- The registered office is at Maldersesteenweg 67, 1840 Londerzeel.Company details
- What does SAIKO NO do?
- According to the KBO register, the main activity is computer programming (NACE 62100).
- What is the legal form of SAIKO NO?
- SAIKO NO is a private limited company (BV).
- When was SAIKO NO founded?
- SAIKO NO was founded on 23-07-2019.
- Is SAIKO NO still active?
- Yes, SAIKO NO is an active enterprise in the KBO register.
- What is the turnover of SAIKO NO?
- The turnover in financial year 2025 is ≈ €31,000. This figure is estimated from the gross margin of €5,760 and 53 comparable companies (NACE 62100). It probably lies between €17,000 and €60,000. It is a rough estimate.Financials
- Is SAIKO NO profitable?
- In financial year 2025, SAIKO NO made a loss of €32,796.
- Where can I find the annual accounts of SAIKO NO?
- SAIKO NO filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SAIKO NO due?
- SAIKO NO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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