SAINA CONSULTING
ActiveSummary
For SAINA CONSULTING, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €43k and a net result of €33k. Equity is growing by ~20.2% per year across the filed fiscal years. Its solvency ranks better than 37% of 18481 sector peers (fiscal year 2023). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability100=
Solvency73▼-20
Growth79▼-5
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 2023Solvency, return and age of the figures
Solvency
47.6%
Return on assets
36.9%
Age of the figures
33 mo
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 4 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline25-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 16-10-2024, 77 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 · 4 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
77 d late
2022
192 d late
2021
157 d late
2020
116 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2023, micro schema
Turnover
€169k▲ 6.4%
2022 · €159k
2020: €112klowest in 4 years
2021: €134k▲ +20.1% vs 2020
2022: €159k▲ +18.2% vs 2021
2023: €169k▲ +6.4% vs 2022highest in 4 years
2020 → 2023
EBIT margin
25.2%▼ 1.8pp
2022 · 27.0%
2020: 30.1%highest in 4 years
2021: 14.2%▼ -52.7% vs 2020lowest in 4 years
2022: 27.0%▲ +90.3% vs 2021
2023: 25.2%▼ -6.6% vs 2022
2020 → 2023
Net result
€33k▲ 5.3%
2022 · €31k
2020: €28k
2021: €13k▼ -53.2% vs 2020lowest in 4 years
2022: €31k▲ +139% vs 2021
2023: €33k▲ +5.3% vs 2022highest in 4 years
2020 → 2023
Working capital
€38k▼ 49.3%
2022 · €74k
2020: €29klowest in 4 years
2021: €42k▲ +45.4% vs 2020
2022: €74k▲ +76.8% vs 2021highest in 4 years
2023: €38k▼ -49.3% vs 2022
2020 → 2023
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2020202120222023Trend
Turnover€112k-€134k▲ 20.1%€159k▲ 18.2%€169k▲ 6.4%
2020: €112klowest in 4 years
2021: €134k▲ +20.1% vs 2020
2022: €159k▲ +18.2% vs 2021
2023: €169k▲ +6.4% vs 2022highest in 4 years
Equity€30k-€43k▲ 43.7%€75k▲ 72.7%€43k▼ 42.9%
2020: €30klowest in 4 years
2021: €43k▲ +43.7% vs 2020
2022: €75k▲ +72.7% vs 2021highest in 4 years
2023: €43k▼ -42.9% vs 2022
Operating result€34k-€19k▼ 43.2%€43k▲ 125%€43k▼ 0.7%
2020: €34k
2021: €19k▼ -43.2% vs 2020lowest in 4 years
2022: €43k▲ +125% vs 2021highest in 4 years
2023: €43k▼ -0.7% vs 2022
Net result€28k-€13k▼ 53.2%€31k▲ 139%€33k▲ 5.3%
2020: €28k
2021: €13k▼ -53.2% vs 2020lowest in 4 years
2022: €31k▲ +139% vs 2021
2023: €33k▲ +5.3% vs 2022highest in 4 years
Result per fiscal year
Operating resultNet result
The operating result falls in 2023; 2023 is 1% below 2022.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €89k
Fixed assets
€5k ▲ 1,041%
Current assets
€84k ▼ 22.4%
Equity and liabilities €89k
Equity
€43k ▼ 42.9%
Debt
€47k ▲ 34.6%
Debt's share of the balance-sheet total rises from 31.9% to 52.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€43k▼
2022 · €44k
Cash flow
€33k▲
2022 · €32k
Current ratio
1.80▼
2022 · 3.13
Debt to equity
1.10▲
2022 · 0.47
ROE
77.7%▲
2022 · 42.1%
ROA
36.9%▲
2022 · 28.7%
Interest coverage
121.25▲
2022 · 88.39
Debt ≤ 1 year
€47k▲
2022 · €35k
Income taxes
€9k▼
2022 · €11k
Staff costs
€34k▲
2022 · €32k
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 · 2023 against 2022 · 47 lines
Balance sheet
Code20222023
Assets
Total assets20/58€109k€89k▼
Fixed assets21/28€434€5k▲
Tangible fixed assets22/27€434€5k▲
Plant, machinery and equipment23€434€5k▲
Current assets29/58€109k€84k▼
Amounts receivable within one year40/41€7k€881▼
Trade receivables40€63€723▲
Other amounts receivable41€7k€158▼
Cash at bank and in hand54/58€102k€58k▼
Deferred charges and accrued income490/1-€25k
Equity and liabilities
Total equity and liabilities10/49€109k€89k▼
Equity10/15€75k€43k▼
Contributions10/11€2k€2k=
Outside capital11€2k€2k=
Other1109/19€2k€2k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€71k€39k▼
Amounts payable17/49€35k€47k▲
Amounts payable within one year42/48€35k€47k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€32k€43k▲
Taxes450/3€25k€42k▲
Remuneration and social security454/9€7k€1k▼
Other amounts payable47/48-€1k
Income statement
Code20222023
Turnover70€159k€169k▲
Non-recurring operating income76A€61€3k▲
Goods, raw materials, services and sundry goods60/61€82k€94k▲
Remuneration, social security and pensions62€32k€34k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€822€289▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€77k€78k▲
Operating profit (loss)9901€43k€43k▼
Financial income75/76B€300-
Recurring financial income75€300-
Financial charges65/66B€495€354▼
Recurring financial charges65€495€354▼
Profit (loss) for the period before taxes9903€43k€42k▼
Income taxes67/77€11k€9k▼
Profit (loss) for the period9904€31k€33k▲
Profit (loss) for the period to be appropriated9905€31k€33k▲
Appropriation of the result
Profit (loss) to be appropriated9906€71k€104k▲
Profit (loss) brought forward from the previous period14P€39k€71k▲
Profit to be distributed694/7-€65k
Return on contributions (dividend)694-€65k
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 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|
| Turnover70 | €112k | €134k | €159k | €169k | ▲ 6.4% |
| Non-recurring operating income76A | - | - | €61 | €3k | ▲ 4,115% |
| Goods, raw materials, services and sundry goods60/61 | - | €81k | €82k | €94k | ▲ 14.8% |
| Remuneration, social security and pensions62 | - | €31k | €32k | €34k | ▲ 6.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €605 | €822 | €822 | €289 | ▼ 64.8% |
| Other operating charges640/8 | - | €2k | €2k | €1k | ▼ 33.9% |
| Gross operating margin9900 | €49k | €53k | €77k | €78k | ▲ 0.7% |
| Operating profit (loss)9901 | €34k | €19k | €43k | €43k | ▼ 0.7% |
| Financial income75/76B | - | €40 | €300 | - | - |
| Recurring financial income75 | €2k | €40 | €300 | - | - |
| Financial charges65/66B | - | €2k | €495 | €354 | ▼ 28.5% |
| Recurring financial charges65 | €119 | €2k | €495 | €354 | ▼ 28.5% |
| Profit (loss) for the period before taxes9903 | €36k | €17k | €43k | €42k | ▼ 1.1% |
| Income taxes67/77 | €8k | €4k | €11k | €9k | ▼ 18.7% |
| Profit (loss) for the period9904 | €28k | €13k | €31k | €33k | ▲ 5.3% |
| Profit (loss) for the period to be appropriated9905 | €28k | €13k | €31k | €33k | ▲ 5.3% |
| Line | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €54k | €74k | €109k | €89k | ▼ 18.2% |
| Fixed assets21/28 | €1k | €1k | €434 | €5k | ▲ 1,041% |
| Tangible fixed assets22/27 | €1k | €1k | €434 | €5k | ▲ 1,041% |
| Plant, machinery and equipment23 | - | €1k | €434 | €5k | ▲ 1,041% |
| Current assets29/58 | €53k | €73k | €109k | €84k | ▼ 22.4% |
| Amounts receivable within one year40/41 | €13k | €158 | €7k | €881 | ▼ 88.0% |
| Trade receivables40 | - | - | €63 | €723 | ▲ 1,048% |
| Other amounts receivable41 | - | €158 | €7k | €158 | ▼ 97.8% |
| Cash at bank and in hand54/58 | €40k | €73k | €102k | €58k | ▼ 42.4% |
| Deferred charges and accrued income490/1 | - | - | - | €25k | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €54k | €74k | €109k | €89k | ▼ 18.2% |
| Equity10/15 | €30k | €43k | €75k | €43k | ▼ 42.9% |
| Contributions10/11 | €2k | €2k | €2k | €2k | = |
| Outside capital11 | - | - | €2k | €2k | = |
| Other1109/19 | - | - | €2k | €2k | = |
| Reserves13 | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | - | - | €2k | €2k | = |
| Legal reserve130 | - | - | €2k | €2k | = |
| Tax-exempt reserves132 | - | €2k | - | - | - |
| Profit (loss) carried forward14 | €26k | €39k | €71k | €39k | ▼ 45.3% |
| Amounts payable17/49 | €24k | €31k | €35k | €47k | ▲ 34.6% |
| Amounts payable within one year42/48 | €24k | €31k | €35k | €47k | ▲ 34.6% |
| Trade debts44 | €2k | €169 | €3k | €2k | ▼ 9.3% |
| Suppliers440/4 | - | €169 | €3k | €2k | ▼ 9.3% |
| Taxes, remuneration and social security45 | - | €29k | €32k | €43k | ▲ 35.1% |
| Taxes450/3 | - | €22k | €25k | €42k | ▲ 70.7% |
| Remuneration and social security454/9 | - | €7k | €7k | €1k | ▼ 85.3% |
| Other amounts payable47/48 | - | €2k | - | €1k | - |
| Line | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €28k | €13k | €31k | €33k | ▲ 5.3% |
| + Depreciation and write-downs630 | €605 | €822 | €822 | €289 | ▼ 64.8% |
| Operating cash flow (approximation) | €29k | €14k | €32k | €33k | ▲ 3.5% |
| Investment in fixed assets (approximation) | - | €-868 | €0 | €-5k | - |
| Change in cash | - | €33k | €29k | €-43k | ▼ 250% |
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
2024
16-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 77 days late
08-02
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 192 days late
2023
31-12
Financial
Highest result since 2020net €33k ▲5.3%
Net result €33k, the highest in the series.
04-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 157 days late
2021
31-12
Financial
Weakest financial yearnet €13k ▼53.2%
Net result drops to €13k, the lowest in the series; recovery starts the following year.
24-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 116 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Brussel · 1 establishment unit since 2020
Ground area
2,275 m²
Building footprint
2,138 m²
Volume, LiDAR
19,957 m³
2 parcels, Brussels · tallest building 21.7 m, ±4 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Fabrieksstraat 14, 1000 Brussel
since 20202.298.769.148
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21811M1423/00K002 | Brussels | 1,377 m² | 1 · 1,302 m² | 21.7 m · 4 fl. |
| 21812N1376/00G000 | Brussels | 898 m² | 1 · 835 m² | 15.2 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,993 companies in sector 62200 we hold annual accounts for 18,396. 15,082 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
Founded03-02-2020
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
Scores and ratios are computed by Checked and are not a credit decision.