SAINT AYBERT
ActiveSummary
The computed 12-month bankruptcy probability of SAINT AYBERT is 1.5% (moderate). The 2025 annual accounts show equity of €86,125 and a net result of -€11,288. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 67% of 13604 sector peers (fiscal year 2025). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability42▼-21
Solvency76▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity tight (current ratio 1.24 against 1.14 in 2024; short-term debt: 45.1% and cash: 39.1% of total assets), and 49.5% of the assets are financed with debt.
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Signals
Six 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
Food and beverage service activities (NACE 56)
about 206% more 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
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
50.5%
Return on assets
-6.6%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€11,288
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
42 d early
2023
47 d early
2022
42 d early
2021
58 d early
2020
30 d early
2019
38 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 45 days before the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% of the sector filed late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€86,125▼ 11.6%
2024 · €97,414
Total assets
€170,417▼ 18.0%
2024 · €207,844
Net result
-€11,288▼ 75.8%
2024 · -€6,422
Working capital
€18,185▲ 35.5%
2024 · €13,425
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€34,054▼ 27.1%€225▼ 99.3%€3,694▲ 1,540%-€2,445-€5,809▼ 138%
Net result€25,403within the sector's middle half▼ 33.8%-€3,334within the sector's middle half€533within the sector's middle half-€6,422below the sector's middle half-€11,288below the sector's middle half▼ 75.8%
Equity€114,237above the sector's middle half▼ 0.5%€103,303above the sector's middle half▼ 9.6%€103,836above the sector's middle half▲ 0.5%€97,414above the sector's middle half▼ 6.2%€86,125within the sector's middle half▼ 11.6%
Total assets€264,155above the sector's middle half▲ 18.5%€231,794within the sector's middle half▼ 12.3%€213,192within the sector's middle half▼ 8.0%€207,844within the sector's middle half▼ 2.5%€170,417within the sector's middle half▼ 18.0%
Debt€149,918▲ 38.7%€128,491▼ 14.3%€109,356▼ 14.9%€110,430▲ 1.0%€84,292▼ 23.7%
Working capital€40,935above the sector's middle half▼ 20.6%€38,468within the sector's middle half▼ 6.0%€22,289within the sector's middle half▼ 42.1%€13,425within the sector's middle half▼ 39.8%€18,185within the sector's middle half▲ 35.5%
Solvency43.2%within the sector's middle half▼ 8.3pp44.6%within the sector's middle half▲ 1.3pp48.7%within the sector's middle half▲ 4.1pp46.9%within the sector's middle half▼ 1.8pp50.5%within the sector's middle half▲ 3.7pp
Current ratio1.36within the sector's middle half▼ 0.351.38within the sector's middle half▲ 0.011.25within the sector's middle half▼ 0.131.14within the sector's middle half▼ 0.111.24within the sector's middle half▲ 0.10
Return on assets (ROA)9.6%within the sector's middle half▼ 7.6pp-1.4%within the sector's middle half▼ 11.1pp0.2%within the sector's middle half▲ 1.7pp-3.1%within the sector's middle half▼ 3.3pp-6.6%below the sector's middle half▼ 3.5pp
Staff (FTE)6.4=8.2▲ 28.1%9.9▲ 20.7%10.3▲ 4.0%9.7▼ 5.8%
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5,809 in 2025 against €2,445 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €170,417
Fixed assets
€75,408 ▼ 22.5%
Current assets
€95,009 ▼ 14.1%
Equity and liabilities €170,417
Equity
€86,125 ▼ 11.6%
Debt
€84,292 ▼ 23.7%
Debt's share of the balance-sheet total falls from 53.1% to 49.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€21,455▼
2024 · €23,872
Cash flow
€15,975▼
2024 · €19,895
Quick ratio
1.01▲
2024 · 0.96
Debt to equity
0.98▼
2024 · 1.13
ROE
-13.1%▼
2024 · -6.6%
Interest coverage
3.73▼
2024 · 5.75
Debt ≤ 1 year
€76,824▼
2024 · €97,117
Debt > 1 year
€7,467▼
2024 · €13,314
Staff costs
€395,083▲
2024 · €393,586
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,321 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.6%
went bankrupt
8.5%
stopped otherwise
90%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.5% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 12,321 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €134,763 | €294,899 | €360,223 | €393,586 | €395,083 | ▲ 0.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €25,231 | €24,313 | €25,657 | €26,317 | €27,264 | ▲ 3.6% |
| Other operating charges640/8 | €887 | €946 | €1,153 | €1,125 | €918 | ▼ 18.5% |
| Gross operating margin9900 | €194,934 | €320,384 | €390,727 | €418,583 | €417,456 | ▼ 0.3% |
| Operating profit (loss)9901 | €34,054 | €225 | €3,694 | -€2,445 | -€5,809 | ▼ 138% |
| Financial income75/76B | €1 | €3 | €0 | €174 | €270 | ▲ 55.3% |
| Recurring financial income75 | €1 | €3 | €0 | €174 | €270 | ▲ 55.3% |
| Financial charges65/66B | €3,186 | €3,563 | €3,161 | €4,151 | €5,750 | ▲ 38.5% |
| Recurring financial charges65 | €3,186 | €3,563 | €3,161 | €4,151 | €5,750 | ▲ 38.5% |
| Profit (loss) for the period before taxes9903 | €30,868 | -€3,334 | €533 | -€6,422 | -€11,288 | ▼ 75.8% |
| Income taxes67/77 | €5,465 | - | - | - | - | - |
| Profit (loss) for the period9904 | €25,403 | -€3,334 | €533 | -€6,422 | -€11,288 | ▼ 75.8% |
| Profit (loss) for the period to be appropriated9905 | €25,403 | -€3,334 | €533 | -€6,422 | -€11,288 | ▼ 75.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €264,155 | €231,794 | €213,192 | €207,844 | €170,417 | ▼ 18.0% |
| Fixed assets21/28 | €109,846 | €90,792 | €100,595 | €97,302 | €75,408 | ▼ 22.5% |
| Tangible fixed assets22/27 | €109,846 | €90,792 | €100,595 | €97,302 | €75,408 | ▼ 22.5% |
| Plant, machinery and equipment23 | €12,876 | €11,259 | €14,903 | €26,347 | €22,180 | ▼ 15.8% |
| Furniture and vehicles24 | €16,423 | €14,062 | €34,605 | €27,298 | €20,019 | ▼ 26.7% |
| Other tangible fixed assets26 | €80,548 | €65,470 | €51,087 | €43,657 | €33,209 | ▼ 23.9% |
| Current assets29/58 | €154,309 | €141,002 | €112,596 | €110,542 | €95,009 | ▼ 14.1% |
| Stocks and contracts in progress3 | €6,953 | €6,139 | €12,736 | €17,274 | €17,274 | = |
| Stocks30/36 | €6,953 | €6,139 | €12,736 | €17,274 | €17,274 | = |
| Amounts receivable within one year40/41 | €381 | €388 | €10,282 | €17,671 | €9,404 | ▼ 46.8% |
| Trade receivables40 | €350 | €356 | €7,636 | €12,578 | €1,656 | ▼ 86.8% |
| Other amounts receivable41 | €31 | €32 | €2,646 | €5,094 | €7,748 | ▲ 52.1% |
| Cash at bank and in hand54/58 | €146,297 | €132,945 | €87,361 | €73,285 | €66,605 | ▼ 9.1% |
| Deferred charges and accrued income490/1 | €678 | €1,530 | €2,217 | €2,312 | €1,726 | ▼ 25.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €264,155 | €231,794 | €213,192 | €207,844 | €170,417 | ▼ 18.0% |
| Equity10/15 | €114,237 | €103,303 | €103,836 | €97,414 | €86,125 | ▼ 11.6% |
| Contributions10/11 | €18,650 | €18,650 | €18,650 | €18,650 | €18,650 | = |
| Reserves13 | €27,268 | €27,268 | €27,268 | €27,268 | €27,268 | = |
| Non-distributable reserves130/1 | €1,865 | €1,865 | - | - | - | - |
| Reserves not available under the articles1311 | €1,865 | €1,865 | - | - | - | - |
| Distributable reserves133 | €25,403 | €25,403 | €27,268 | €27,268 | €27,268 | = |
| Profit (loss) carried forward14 | €68,319 | €57,385 | €57,918 | €51,495 | €40,207 | ▼ 21.9% |
| Amounts payable17/49 | €149,918 | €128,491 | €109,356 | €110,430 | €84,292 | ▼ 23.7% |
| Amounts payable after more than one year17 | €36,544 | €25,956 | €19,048 | €13,314 | €7,467 | ▼ 43.9% |
| Financial debts170/4 | €36,544 | €25,956 | €19,048 | €13,314 | €7,467 | ▼ 43.9% |
| Amounts payable within one year42/48 | €113,374 | €102,534 | €90,308 | €97,117 | €76,824 | ▼ 20.9% |
| Current portion of amounts payable after more than one year42 | €10,389 | €10,588 | €6,908 | €5,735 | €5,846 | ▲ 1.9% |
| Trade debts44 | €47,677 | €53,542 | €56,416 | €59,321 | €43,731 | ▼ 26.3% |
| Suppliers440/4 | €47,677 | €53,542 | €56,416 | €49,868 | €43,731 | ▼ 12.3% |
| Bills of exchange payable441 | - | - | - | €9,454 | - | - |
| Advances received on contracts in progress46 | €962 | - | - | - | - | - |
| Taxes, remuneration and social security45 | €47,266 | €38,157 | €26,984 | €32,061 | €27,248 | ▼ 15.0% |
| Taxes450/3 | €26,124 | €12,827 | €5,671 | €8,531 | €4,278 | ▼ 49.9% |
| Remuneration and social security454/9 | €21,142 | €25,329 | €21,313 | €23,530 | €22,970 | ▼ 2.4% |
| Other amounts payable47/48 | €7,080 | €247 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €25,403 | -€3,334 | €533 | -€6,422 | -€11,288 | ▼ 75.8% |
| + Depreciation and write-downs630 | €25,231 | €24,313 | €25,657 | €26,317 | €27,264 | ▲ 3.6% |
| Operating cash flow (approximation) | €50,634 | €20,979 | €26,189 | €19,895 | €15,975 | ▼ 19.7% |
| Investment in fixed assets (approximation) | - | -€5,258 | -€35,460 | -€23,024 | -€5,370 | ▲ 76.7% |
| Change in cash | - | -€13,352 | -€45,584 | -€14,076 | -€6,680 | ▲ 52.5% |
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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€11,288
Net result drops to -€11,288, the lowest in the series.
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €533
Net result €533 after one loss-making year.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
03-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €38,378 ▲188%
Operating result €46,700, net result €38,378, both a record.
31-12
Financial
Equity above €100,000Eq €114,834 ▲50.2%
3 profitable years in a row build equity to €114,834.
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
19-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 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, Brunehaut · 1 establishment unit since 2002
Ground area
573 m²
Building footprint
183 m²
Volume, LiDAR
1,860 m³
Parcel 57010B0021/00K000, Wallonia · tallest building 12.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SAINT-AYBERT SPRL
since 20022.101.893.988
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57010B0021/00K000 | Wallonia | 573 m² | 1 · 183 m² | 12.1 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrunehaut2.101.893.988
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Of 20,505 companies in sector 56111 we hold annual accounts for 11,464. 9,714 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
Founded26-07-2002
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
56210Event catering
E-invoicing
Reachable via Peppol
Peppol ID
0208:0478082712
Also
9925:BE0478082712
Registered
26-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.