Saldi
ActiveSaldi has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €133k and a net result of €10k. Equity is growing by ~19.1% per year across the filed fiscal years. Its solvency ranks better than 46% of 12675 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+60
Solvency78▼-17
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.98 against 3.73 in 2024; short-term debt: 46.5% and cash: 11.4% of total assets), and 46.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
53.1%
Return on assets
4%
Age of the figures
9 mo
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
neutral · 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 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
31 d late
2022
30 d late
2021
31 d late
2020
31 d late
2019
121 d late
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€133k▼ 24.1%
2024 · €175k
2018: €59k
2019: €59k
2020: €74k
2021: €131k
2022: €164k
2023: €184k
2024: €175k
2018 → 2025
Total assets
€250k▲ 0.3%
2024 · €250k
2018: €174k
2019: €168k
2020: €166k
2021: €241k
2022: €259k
2023: €264k
2024: €250k
2018 → 2025
Net result
€10k
2024 · €-9k
2018: €20k
2019: €-240
2020: €15k
2021: €60k
2022: €38k
2023: €20k
2024: €-9k
2018 → 2025
Working capital
€114k▼ 31.3%
2024 · €167k
2018: €11k
2019: €17k
2020: €39k
2021: €105k
2022: €142k
2023: €161k
2024: €167k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€131k-€164k▲ 25.1%€184k▲ 12.0%€175k▼ 4.8%€133k▼ 24.1%
Operating result€84k-€55k▼ 34.8%€30k▼ 45.9%€-8k€21k
Net result€60k-€38k▼ 36.5%€20k▼ 47.7%€-9k€10k
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: €21k after a loss of €8k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €250k
Fixed assets
€20k▼ 10.5%
Current assets
€231k▲ 1.3%
Equity and liabilities €250k
Equity
€133k▼ 24.1%
Debt
€117k▲ 57.8%
The debt ratio rises from 29.8% to 46.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€25k▲
2024 · €-4k
Cash flow
€14k▲
2024 · €-5k
Solvency
53.1%▼
2024 · 70.2%
Current ratio
1.98▼
2024 · 3.73
Quick ratio
1.98▼
2024 · 3.73
Debt / equity
0.88▲
2024 · 0.42
ROE
7.6%▲
2024 · -5.0%
ROA
4.0%▲
2024 · -3.5%
Interest coverage
9.46▲
2024 · -6.24
Debt
€117k▲
2024 · €74k
Debt ≤ 1 year
€116k▲
2024 · €61k
Income taxes
€8k▲
2024 · €59
Staff costs
€70k▲
2024 · €66k
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€250k€250k▲
Fixed assets21/28€22k€20k▼
Tangible fixed assets22/27€21k€19k▼
Plant, machinery and equipment23€4k€4k▼
Furniture and vehicles24€4k€3k▼
Other tangible fixed assets26€14k€13k▼
Financial fixed assets28€500€500=
Current assets29/58€228k€231k▲
Amounts receivable within one year40/41€143k€164k▲
Trade receivables40€137k€150k▲
Other amounts receivable41€5k€14k▲
Cash at bank and in hand54/58€60k€28k▼
Deferred charges and accrued income490/1€25k€38k▲
Equity and liabilities
Total equity and liabilities10/49€250k€250k▲
Equity10/15€175k€133k▼
Contributions10/11€19k€19k=
Reserves13€112k€70k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€110k€68k▼
Profit (loss) carried forward14€45k€45k=
Amounts payable17/49€74k€117k▲
Amounts payable within one year42/48€61k€116k▲
Financial debts43€1k€0▼
Other loans439€1k€0▼
Trade debts44€14k€28k▲
Suppliers440/4€14k€28k▲
Taxes, remuneration and social security45€39k€33k▼
Taxes450/3€28k€22k▼
Remuneration and social security454/9€10k€11k▲
Other amounts payable47/48€6k€56k▲
Accrued charges and deferred income492/3€13k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€66k€70k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€27k€7k▼
Other operating charges640/8€753€683▼
Non-recurring operating charges66A€305€0▼
Gross operating margin9900€90k€104k▲
Operating profit (loss)9901€-8k€21k▲
Financial income75/76B€4€36▲
Recurring financial income75€4€36▲
Financial charges65/66B€703€3k▲
Recurring financial charges65€703€3k▲
Profit (loss) for the period before taxes9903€-9k€18k▲
Income taxes67/77€59€8k▲
Profit (loss) for the period9904€-9k€10k▲
Profit (loss) for the period to be appropriated9905€-9k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€45k€55k▲
Profit (loss) brought forward from the previous period14P€54k€45k▼
Transfer from equity791/2-€52k
Transfer to equity691/2€0€10k▲
To other reserves6921€0€10k▲
Profit to be distributed694/7-€52k
Return on contributions (dividend)694-€52k
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-09
State Gazette act
Incorporation · Founding capital
Corporate purpose · Director appointment
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
19-03
State Gazette act
General meeting · Dissolution
Liquidation · Director resignation
2025
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Weakest financial yearnet €-9k ▼145%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
28-02
State Gazette act
General meeting · Purpose change
Power of attorney
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Equity above €150kEq €164k ▲25.1%
3 profitable years in a row build equity to €164k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €60k ▲299%
Operating result €84k, net result €60k, both a record.
31-12
Financial
Equity above €100kEq €131k ▲77.1%
2 profitable years in a row build equity to €131k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
29-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 121 days late
2019
29-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 60 days late
2018
24-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 55 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Leuven · 1 establishment unit since 2014
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.
Martelarenlaan 323010 LeuvenGround area
1.1 ha
Building footprint
666 m²
Volume, LiDAR
9,073 m³
Parcel 24483E0012/00B003, Flanders · tallest building 18.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Saldi
since 20142.291.039.634
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24483E0012/00B003 | Flanders | 1.1 ha | 1 · 666 m² | 18.0 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 2 entries · 653 EUR awarded · 653 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 542 EUR | 542 EUR |
| 2022 | 1 | 111 EUR | 111 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,172 companies in sector 69201 we hold annual accounts for 7,638. 6,536 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-01-2014
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.