Summary
Conclusion
the dossier summarised in one paragraphThe file of SAIMON contains 2 judicial reorganisations, as published in the Belgian State Gazette. The computed 12-month bankruptcy probability is ≥ 25% (high). The 2021 annual accounts show equity of €56k and a net result of €-7k. Equity is shrinking by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 72% of 199 sector peers (fiscal year 2021).
Based on the State Gazette, CBE and 4 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneStatistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Insolvency timeline
2 eventsSignals
Insufficient current data: the most recent filed accounts (financial year 2021) are too old to derive current signals.
Trust signals
2 signalsAdministrative Flags
Financials
Annual accounts & ratios
Source: NBB · 2021How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 49.2% | 22.2% | |
| Net result | €-7k | €6k | |
| Equity | €56k | €20k | |
| Gross operating margin | €13k | €60k | |
| Staff costs | €11k | €79k |
| Fiscal year | 2021 |
|---|---|
| Revenue | €141k |
| EBITDA | - |
| Net profit | €-7k |
| Cash flow | - |
| Staff costs | €11k |
| Income taxes | €7k |
| Dividends | - |
| Total assets | €114k |
| Equity | €56k |
| Debt | €58k |
| of which ≤ 1y | €58k |
| of which > 1y | - |
| Working capital | €4k |
| Employees (FTE) | 0.6 |
| 2021 | |
|---|---|
| Current ratio | 1.07 |
| Quick ratio | 1.07 |
| Working capital ratio | 3.6% |
| Solvency | 49.2% |
| Debt / equity | 1.03 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | 0.5% |
| Net margin | -4.9% |
| ROA | -6.0% |
| ROE | -12.3% |
| EBITDA margin | - |
| Days sales outstanding | 138d |
| Days payable outstanding | 53d |
| Inventory turnover | - |
| Days inventory (DSI) | - |
| Line item | Code | 2021 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €114k |
| Fixed assets | 21/28 | €52k |
| Tangible fixed assets | 22/27 | €52k |
| Current assets | 29/58 | €62k |
| Amounts receivable within one year | 40/41 | €54k |
| Cash & bank | 54/58 | €9k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €114k |
| Equity | 10/15 | €56k |
| Contributions / capital | 10/11 | €19k |
| Reserves | 13 | €2k |
| Accumulated profits (losses) | 14 | €36k |
| Amounts payable | 17/49 | €58k |
| Amounts payable within one year | 42/48 | €58k |
| Trade debts payable within one year | 44 | €21k |
| Income statement | ||
| Turnover | 70 | €141k |
| Gross operating margin | 9900 | €13k |
| Operating result | 9901 | €334 |
| Financial charges | 65 | €178 |
| Result before taxes | 9903 | €157 |
| Income taxes | 67/77 | €7k |
| Net result for the period | 9904 | €-7k |
| Result to be appropriated | 9905 | €-7k |
Health barometer
FY 2021 · computedUnlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Structure & network
Locations & real estate
Establishment units
1 locationReal-estate footprint
Source: CBE × cadastre · address linkingParcels 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.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25782D0084/00B000 | Wallonia | 344 m² | 1 · 55 m² | 16.9 m · 5 fl. |
Publications
Lifecycle & Insolvency Signals
2 events from the State GazetteTime machine: BS events + macro context
2018-2026Belgisch Staatsblad · acts
1 acts31-01-2022 Transaction in capital or shares
Analysis
Snowflake analysis
financial profile on 5 axesFragile profile, watch profitability in particular.
All 5 axes are computed from data Checked has read.
Ask AI about this company
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AI due-diligence brief
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Credit advice
verdict per customer and amountSimilar
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Company registry (CBE)
Crossroads Bank| Legal nameFR | SAIMON |