SAINT - HONORE

Active

Private limited companyfounded 199828 yrs activeRue des Abattis,Corbion 5, 6838 Bouillon, BelgiumKBO/BCE: BE 0462.914.781

The computed 12-month bankruptcy probability of SAINT - HONORE is 2.0% (moderate). The 2025 annual accounts show equity of €31k and a net result of €-300. Equity is shrinking by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 76% of 13090 sector peers (fiscal year 2025). The company has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

55 / 100

Fair

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability42▼-9

Solvency86▼-7

Growth58▼-20

Track record100

Bankruptcy probability, 12 months

2.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.5k at 30 days acceptable

Liquidity ample (current ratio 1.89 against 3.26 in 2024; short-term debt: 35.4% and cash: 9.8% of total assets), and 39.3% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Nine signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

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 →

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

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 2025

Solvency, return and age of the figures

Solvency

60.7%

Return on assets

-0.6%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2025

Net result per financial year

1819202122232425

2018 to 2025 · latest year €-300

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filings

Deviation from the deadline

2025

31 d late

2024

12 d late

2023

8 d early

2022

32 d early

2021

3 d late

2020

3 d early

2019

2 d early

← before the deadline after the deadline →

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 months

Position in the running window

17-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€31k▼ 49.2%

2024 · €62k

2018: €43k 2019: €60k 2020: €84k 2021: €137k 2022: €81k 2023: €74k 2024: €62k

2018 → 2025

Total assets

€52k▼ 43.3%

2024 · €91k

2018: €134k 2019: €113k 2020: €148k 2021: €178k 2022: €155k 2023: €94k 2024: €91k

2018 → 2025

Net result

€-300▲ 97.7%

2024 · €-13k

2018: €-19k 2019: €17k 2020: €24k 2021: €53k 2022: €-16k 2023: €-7k 2024: €-13k

2018 → 2025

Working capital

€16k▼ 64.2%

2024 · €45k

2018: €-68k 2019: €-26k 2020: €9k 2021: €69k 2022: €23k 2023: €29k 2024: €45k

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€137k-€81k▼ 40.8%€74k▼ 8.1%€62k▼ 17.3%€31k▼ 49.2%

Operating result€67k-€-13k€-4k▲ 69.1%€-11k▼ 182%€9k

Net result€53k-€-16k€-7k▲ 58.7%€-13k▼ 97.1%€-300▲ 97.7%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2025: €9k after a loss of €11k in 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €52k

33.2%

66.8%

Fixed assets €17k▼ 33.9%

Current assets €34k▼ 47.1%

Equity and liabilities €52k

60.7%

39.3%

Equity €31k▼ 49.2%

Debt €20k▼ 31.1%

The debt ratio rises from 32.3% to 39.3%. Equity and debt are lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€23k▲

2024 · €12k

Cash flow

€14k▲

2024 · €10k

Solvency

60.7%▼

2024 · 67.7%

Current ratio

1.89▼

2024 · 3.26

Quick ratio

1.57▼

2024 · 2.95

Debt / equity

0.65▲

2024 · 0.48

ROE

-1.0%▲

2024 · -20.9%

ROA

-0.6%▲

2024 · -14.2%

Interest coverage

2.85▼

2024 · 7.08

Debt

€20k▼

2024 · €29k

Debt ≤ 1 year

€18k▼

2024 · €20k

Income taxes

€1k▲

2024 · €464

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€91k€52k▼

Fixed assets21/28€26k€17k▼

Tangible fixed assets22/27€26k€17k▼

Land and buildings22€5k€3k▼

Plant, machinery and equipment23€11k€7k▼

Furniture and vehicles24€10k€7k▼

Financial fixed assets28€74€74=

Current assets29/58€65k€34k▼

Stocks and contracts in progress3€6k€6k▼

Stocks30/36€6k€6k▼

Amounts receivable within one year40/41€56k€24k▼

Trade receivables40€5k€9k▲

Other amounts receivable41€50k€15k▼

Cash at bank and in hand54/58€3k€5k▲

Equity and liabilities

Total equity and liabilities10/49€91k€52k▼

Equity10/15€62k€31k▼

Contributions10/11€19k€19k=

Reserves13€32k€2k▼

Non-distributable reserves130/1€2k€2k=

Reserves not available under the articles1311€2k€2k=

Distributable reserves133€30k-

Profit (loss) carried forward14€11k€10k▼

Amounts payable17/49€29k€20k▼

Amounts payable after more than one year17€9k-

Financial debts170/4€9k-

Amounts payable within one year42/48€20k€18k▼

Current portion of amounts payable after more than one year42€4k€9k▲

Trade debts44€9k€1k▼

Suppliers440/4€9k€1k▼

Taxes, remuneration and social security45€7k€8k▲

Taxes450/3€7k€8k▲

Accrued charges and deferred income492/3-€2k

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€14k▼

Other operating charges640/8€3k€4k▲

Non-recurring operating charges66A€117-

Gross operating margin9900€15k€26k▲

Operating profit (loss)9901€-11k€9k▲

Financial income75/76B€435€194▼

Recurring financial income75€435€194▼

Financial charges65/66B€2k€8k▲

Recurring financial charges65€2k€8k▲

Profit (loss) for the period before taxes9903€-12k€1k▲

Income taxes67/77€464€1k▲

Profit (loss) for the period9904€-13k€-300▲

Profit (loss) for the period to be appropriated9905€-13k€-300▲

Appropriation of the result

Profit (loss) to be appropriated9906€11k€10k▼

Profit (loss) brought forward from the previous period14P€23k€11k▼

Transfer from equity791/2-€30k

Profit to be distributed694/7-€30k

Return on contributions (dividend)694-€30k

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 16Financial 6Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 31 days late

2025

12-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 12 days late

2024

23-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Liquidity doublescurrent ratio 2.89

Current ratio from 1.38 to 2.89; short-term debt falls from €59k to €15k.

29-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

03-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 3 days late

2021

31-12

Financial Highest result since 2018net €53k ▲123%

Operating result €67k, net result €53k, both a record.

31-12

Financial Liquidity triplescurrent ratio 4.38

Current ratio from 1.27 to 4.38; short-term debt falls from €34k to €21k.

31-12

Financial Equity above €100kEq €137k ▲63%

3 profitable years in a row build equity to €137k.

28-07

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

31-12

Financial Liquidity triplescurrent ratio 1.27

Current ratio from 0.42 to 1.27; short-term debt falls from €46k to €34k.

29-07

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

31-12

Financial Back to profitnet €17k

Net result €17k after one loss-making year.

05-08

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 5 days late

2018

19-07

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.

Directors · office · real estate

Directors

no sitting director, no change since 2025

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

27-10-2025 Resigned as Manager

Location & real-estate footprint

Registered office, Bouillon · 2 establishment units since 1998

establishment All 2 establishment units on the map

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.

Rue des Abattis,Corbion 56838 Bouillon

Ground area

8,604 m²

Building footprint

1,321 m²

Volume, LiDAR