SALDO has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2010 annual accounts show equity of €28k and a net result of €-113k. Equity is shrinking by ~41.2% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
No current score
Figures too old
The available figures for FY 2010 are too old to assess current financial health.
Filing: Five or more filing cycles are missing. This points to a standstill, not an imminent failure.
Axes, FY 2010 · tick = 2009
Profitability11▼-69
Solvency28▼-33
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 2010Solvency, return and age of the figures
Solvency
2.6%
Return on assets
-10.6%
Age of the figures
198 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 · No filing for years
The last filed financial year closed on 31-03-2010. Since then, 15 financial years are missing. This points to a standstill, not an imminent failure.
NBB · 10 filingsPosition against the passed deadline
31-03-2011 close31-10-2011 deadline23-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-03-2010 was due by 31-10-2010 and was filed on 22-11-2010, 22 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
not filed
2024
not filed
2023
not filed
2022
not filed
2021
not filed
2020
not filed
2019
not filed
← before the deadline
after the deadline →
Financials · fiscal year 2010, abbreviated schema
Equity
€28k▼ 80.1%
2009 · €142k
2007: €160k
2008: €74k
2009: €142k
2007 → 2010
Total assets
€1.07M▲ 174%
2009 · €392k
2007: €369k
2008: €392k
2009: €392k
2007 → 2010
Net result
€-113k
2009 · €67k
2007: €6k
2008: €-86k
2009: €67k
2007 → 2010
Working capital
€-477k
2009 · €76k
2007: €-3k
2008: €42k
2009: €76k
2007 → 2010
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2007200820092010Trend
Equity€160k-€74k▼ 53.5%€142k▲ 90.3%€28k▼ 80.1%
Operating result€21k-€-75k€75k€-106k
Net result€6k-€-86k€67k€-113k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2010: a loss of €106k after €75k in 2009, the lowest result in the available series.
Balance-sheet composition
2010 in colour, 2009 as the grey bar beneath
Assets €1.07M
Fixed assets
€947k▲ 241%
Current assets
€127k▲ 10.8%
Equity and liabilities €1.07M
Equity
€28k▼ 80.1%
Provisions
€147k=
Debt
€899k▲ 766%
The debt ratio rises from 26.4% to 83.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-56k▼
2009 · €91k
Cash flow
€-63k▼
2009 · €82k
Solvency
2.6%▼
2009 · 36.1%
Current ratio
0.21▼
2009 · 2.99
Quick ratio
0.21▼
2009 · 2.99
Debt / equity
10.44▲
2009 · 0.46
ROE
-402.2%▼
2009 · 47.5%
ROA
-10.6%▼
2009 · 17.1%
Debt
€899k▲
2009 · €104k
Debt ≤ 1 year
€604k▲
2009 · €38k
Debt > 1 year
€295k▲
2009 · €65k
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 · 2010 against 2009
Balance sheet
Code20092010
Assets
Total assets20/58€392k€1.07M▲
Fixed assets21/28€277k€947k▲
Tangible fixed assets22/27€277k€947k▲
Current assets29/58€115k€127k▲
Amounts receivable within one year40/41€112k€124k▲
Cash at bank and in hand54/58€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€392k€1.07M▲
Equity10/15€142k€28k▼
Contributions10/11€64k€64k=
Reserves13€21k€21k=
Profit (loss) carried forward14€57k€-57k▼
Provisions and deferred taxes16€147k€147k=
Amounts payable17/49€104k€899k▲
Amounts payable after more than one year17€65k€295k▲
Amounts payable within one year42/48€38k€604k▲
Trade debts44€5k€6k▲
Income statement
Code20092010
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€50k▲
Gross operating margin9900€141k€-11k▼
Operating profit (loss)9901€75k€-106k▼
Recurring financial income75€55€154▲
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€67k€-113k▼
Profit (loss) for the period9904€67k€-113k▼
Profit (loss) for the period to be appropriated9905€67k€-113k▼
Timeline · acts, filings and financial milestones
2010
22-11
NBB filing
Annual accounts filed
fiscal year 2010 · abbreviated schema · 22 days late
31-03
Financial
Weakest financial yearnet €-113k ▼269%
Net result drops to €-113k, the lowest in the series.
2009
26-11
NBB filing
Annual accounts filed
fiscal year 2009 · abbreviated schema · 26 days late
31-03
Financial
Back to profitnet €67k
Net result €67k after one loss-making year.
31-03
Financial
Equity above €100kEq €142k ▲90.3%
Equity rises from €74k to €142k.
2008
30-11
NBB filing
Annual accounts filed
fiscal year 2008 · abbreviated schema · 30 days late
2007
29-11
NBB filing
Annual accounts filed
fiscal year 2007 · abbreviated schema · 29 days late
2006
29-09
NBB filing
Annual accounts filed
fiscal year 2006 · abbreviated schema
2005
31-10
NBB filing
Annual accounts filed
fiscal year 2005 · abbreviated schema
2003
09-12
NBB filing
Annual accounts filed
fiscal year 2003 · abbreviated schema
2002
06-12
NBB filing
Annual accounts filed
fiscal year 2002 · abbreviated schema
2001
13-11
NBB filing
Annual accounts filed
fiscal year 2001 · abbreviated schema
2000
31-10
NBB filing
Annual accounts filed
fiscal year 2000 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
4 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, Schoten · 1 establishment unit since 1988
Ground area
133 m²
Building footprint
133 m²
Volume, LiDAR
801 m³
Parcel 11442C0134/00R000, Flanders · tallest building 11.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SALDO NV
since 19882.038.565.955
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11442C0134/00R000 | Flanders | 133 m² | 1 · 133 m² | 11.1 m · 1 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.
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EVERTYS
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KoP
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Deinze · Eq €28k
LIEVEN VERBRUGGE
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Zaventem · Eq €28k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 33,953 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formGeneral partnership
Founded07-06-1988
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.