Equity
-€732
Debts exceed assets in financial year 2025.
SALTZ
Overview
Lifetime
1 annual account with figurespeak -€1,530 (2025)
-€1,530
lowest -€20,732 (2025)
-€20,732
peak -€732 (2025)
-€732
€243,889
Board1 name since 2025
1 directorSEBAHAT Omer
Documentsfilings and deeds
08-07-202623 days before the deadline
2025abbreviated format
Loss of €20,732Incorporation 31-011 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsDebts
€243,889 100% of the balance sheet
Financial debts 66%Suppliers 26%Taxes and wages 0%Other 8%
Of this, €83,853 falls due within a year.
Position in the sector
-€732
Less equity than 88% of companies in wholesale trade. Sector median €360,959 · 9,897 companies.
Turnover not published (abbreviated format)
Checked score
53
Fair
Financially stronger than 23% of micro companies in wholesale trade (NACE 46)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
1.8% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,891 companies (NACE 46, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
02-2026: 1.6%lowest value
03-2026: 1.6%● unchanged vs 02-2026lowest value
04-2026: 1.7%▲ +0.1 percentage points vs 03-2026
05-2026: 2.0%▲ +0.3 percentage points vs 04-2026
06-2026: 2.1%▲ +0.1 percentage points vs 05-2026
07-2026: 2.4%▲ +0.3 percentage points vs 06-2026highest value
08-2026: 1.7%▼ -0.7 percentage points vs 07-2026
09-2026: 1.7%● unchanged vs 08-2026
10-2026: 1.8%▲ +0.1 percentage points vs 09-2026
11-2026: 1.8%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Founded in 2025
Negative equity -€732
Sector: Wholesale trade (NACE 46)
lowers risk
Size: total assets €243,157
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 16% of them on solvency, 38% on liquidity and 16% on profitability.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 232 companies had the same profile as SALTZ has now. Each dot is one company, two years later.
96.1%
were still trading
2.2%
stopped another way
1.7%
went bankrupt
That fits the bankruptcy probability of SALTZ itself: 1.8% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 232 companies, not a prediction for SALTZ. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is ample, with a current ratio of 1.8, above the usual 1.5. Short-term debt is 34.5% and cash 4.3% of total assets. However, equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
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 08-07-2026, 23 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
23 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1019363003
Incorporation
Founding capital of €20,000, 200 shares · Founder: SEBAHAT Omer (comparant) · Appointment: SEBAHAT Omer (director) · published on 31-01-2025 · Gazette deed
First establishment
R. De Cuyperstraat 17, Dilbeek
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SALTZ Asse | €243,157 | -€1,530 | -0.3% | - |
| WAK Europe Mechelen | €124,578 | -€79,653 | -60.0% | - |
| B & B FARM, entreprise agricole Tellin | €288,995 | -€4,840 | -35.0% | - |
| FRESH MART Brussels | €51,694 | -€37,047 | -64.2% | - |
| COPROSAIN TOURNAI Frasnes-lez-Anvaing | €391,148 | -€104,550 | -230.3% | - |
| CANLAR GIDA Opwijk | €487,230 | -€97,364 | 26.2% | - |
| AFNAN GROUP Wemmel | €208,778 | -€15,019 | -3.0% | - |
These companies have the same main activity as SALTZ: wholesale of fruit and vegetables, excluding potatoes (NACE 46319). They are comparable in size and age: total assets between €51,700 and €487,000, founded between 2021 and 2025.
Official details
Source: KBO- Status
- Active since 29-01-2025Normal situation
- Activity
- Wholesale of fruit and vegetables, excluding potatoesNACE 46319
- Establishment unit
- 2.370.099.3841700 Dilbeek, since 29-01-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 18-12-2025
Annual accounts 2025
- -€1,530
- €20,732
- -€732
- €243,157
- Filing
- Filed on 08-07-2026, 23 days before the end of the filing period
Insights on SALTZ
The computed 12-month bankruptcy probability of SALTZ is 1.8% (moderate). The 2025 annual accounts show negative equity (-€732) and a net result of -€20,732.
Its solvency ranks better than 12% of 9,901 sector peers (NACE 46, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
abbreviated format, filed on 08-07-2026, 23 days before the deadline-€1,530
-€17,784
-€20,732
€67,297
-0.3%
1.80
Turnover and EBIT margin are not published. The abbreviated format does not require them.
Balance sheet
balance sheet total €243,157 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
-0.3%
Higher than 12% of 9,901 companies in 2025.
1.80
Higher than 52% of 9,664 companies in 2025.
-8.5%
Higher than 12% of 9,779 companies in 2025.
SALTZ
Middle half of the sector
80% of the sector
Abbreviated accounts in wholesale trade (NACE 46)
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
243,157 | |
21/28 |
92,007 | |
22/27 |
86,307 | |
23 |
8,718 | |
24 |
7,463 | |
25 |
67,726 | |
26 |
2,400 | |
28 |
5,700 | |
29/58 |
151,149 | |
3 |
66,486 | |
30/36 |
66,486 | |
40/41 |
73,166 | |
40 |
65,184 | |
41 |
7,982 | |
54/58 |
10,381 | |
490/1 |
1,117 | |
| Balance sheet: equity and liabilities | ||
10/49 |
243,157 | |
10/15 |
-732 | |
10/11 |
20,000 | |
11 |
20,000 | |
1100/10 |
20,000 | |
14 |
-20,732 | |
17/49 |
243,889 | |
17 |
160,036 | |
170/4 |
160,036 | |
42/48 |
83,853 | |
42 |
19,915 | |
44 |
63,065 | |
440/4 |
63,065 | |
45 |
392 | |
450/3 |
392 | |
47/48 |
481 | |
| Income statement | ||
9900 |
-1,530 | |
630 |
15,601 | |
640/8 |
153 | |
66A |
500 | |
9901 |
-17,784 | |
65/66B |
2,948 | |
65 |
2,948 | |
9903 |
-20,732 | |
9904 |
-20,732 | |
9905 |
-20,732 | |
| Appropriation of the result | ||
9906 |
-20,732 | |
| Document | ||
The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 08-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 08-07-2026 | 2026-00280675 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| -2,183 | ||
| -5,131 | ||
| 107,609 | ||
| 67,297 | ||
| -0.3% | ||
| 1.80 | ||
| 1.01 | ||
| -8.5% | ||
| -0.74 |
The equity ratios are withheld because equity of -€732 is too small for a meaningful ratio.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €101,909 |
| Financial fixed assets | €5,700 |
| €15,601 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on SALTZ
Equity is negative. Debt (€243,889) exceeds the balance-sheet total (€243,157).
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 31-01-2025
term without a fixed end
listed in the 2025 annual accounts, filed on 08-07-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “toegekend, met de mogelijkheid een deel van deze bevoegdheden te delegeren. Indien de vennootschap door meer dan één bestuurders wordt…”deed of 31-01-2025
Mandates through the years
1 name, the dashed line is todaySEBAHAT Omer
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- SEBAHAT Omer
- Director (not named in the articles), appointed by deed of 31-01-2025, still in office
Control
Capital
- Contribution
- €20,000
- Shares
- 200
- Contribution per share
- €100
- Equity per share
- -€3.66 in 2025
- Source
- deed of 31-01-2025
Articles of association
deed of 31-01-2025 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Monday of June at 14:00
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Ontbinding om welke reden en op welk ogenblik ook, algemene vergadering mag een of meerdere vereffenaars aanduiden,bevoegdheden…”
Shareholders
At incorporation
deed of 31-01-2025 ↗
- SEBAHAT Omer 200 shares (100%) · €20,000
Network & group
No group
SALTZ has no parent and no holdings in its annual accounts. SEBAHAT Omer is the only director. SALTZ shares no director with another company.
Timeline
Timeline
4 events since 2025Filings
Establishments
20252026
2026
Annual accounts 2025 filed NBBabbreviated format · 23 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1019363003
IncorporationFounding capital of €20,000, 200 shares · Founder: SEBAHAT Omer (comparant) · Appointment: SEBAHAT Omer (director) · published on 31-01-20256 points ▸
- Founder, SEBAHAT Omer (comparant)
- Founding capital, €20,000, 200 shares
- 200 shares
- Registered office clause, Potteel 42, 1730 Asse
- Board rule, 1
- Director appointment, SEBAHAT Omer (director (not named in the articles))
- The deed holds 2 more points.
First establishment R. De Cuyperstraat 17, Dilbeek
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1019.363.003
- VAT number
- BE 1019.363.003
- Peppol ID
- 0208:1019363003
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 29-01-2025
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Monday of June at 14:00deed of 31-01-2025 (in Dutch)
- Peppol
- Reachable since 18-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- SALTZ in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 31-01-2025 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 31-01-2025 (in Dutch)
Activities
NACEBEL 202546319
Wholesale of fruit and vegetables, excluding potatoes main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Alle activiteiten die rechtstreeks of onrechtstreeks verband houden met de horeca in het algemeen, de organisatie van banketten en…”deed of 31-01-2025 (in Dutch)
13 activities
- Alle activiteiten die rechtstreeks of onrechtstreeks verband houden met de horeca in het algemeen, de organisatie van banketten en recepties, cateringdiensten, met inbegrip van de organisatie, het beheer en de uitbating van restaurants, cafés, tavernes, snackbars, cafetaria's, nachtbars en alle toeristische, hotel, ontspanning en vrijetijdsactiviteiten.
- De uitbating, onder eigen naam of via franchise of licentie, van een lunchbar, nachtbar, snackbar, cafetaria, broodjeszaak, fastfood of kleine cateringdienst, een traiteurdienst en/of een of meer restaurants;
- De exploitatie, onder eigen naam of door franchising of licentie, van winkels in algemene levensmiddelen.
- Het kopen, verkopen, zowel groothandel als kleinhandel, importeren, exporteren, vertegenwoordigen, distribueren, verhuren, vervaardigen, met de hand vervaardigen, semi-handwerkelijk of industrieel vervaardigen, verpakken en in de handel brengen van alle producten of levensmiddelen, alsmede alle producten die verband houden met levensmiddelen in het algemeen en met de levensmiddelenindustrie (vers, ingeblikt, droog of bevroren), in het bijzonder groenten en fruit, bakkerijproducten, gebak, chocolade, kruidenierswaren, delicatessen, zuivelproducten, kaas, vleeswaren, visproducten, catering, kant-en-klaarmaaltijden, zoetwaren, koekjes, dranken, wijn en gedistilleerde dranken, tabak, sigaretten en accessoires, evenals alle tafelgerei en decoratieve artikelen.
- De aankoop, verkoop of verhuur van alle restaurantbenodigdheden, evenals het ontwerp, de bouw, de inrichting en de decoratie van alle ruimten die als restaurant worden geëxploiteerd;
- Advies en training op het gebied van voedselbereiding, restaurantmanagement en bevoorradingstechnieken voor exploitatie van verkooppunten;
- Handel in al zijn vormen, import, export, commerciële bemiddeling in voedsel en drank;
- Transport, thuisbezorging, opslag en bewaring, verpakking van alle producten of levensmiddelen en alle producten die verband houden met levensmiddelen in het algemeen en de levensmiddelenindustrie.
- De organisatie en het beheer van alle soorten shows en evenementen, maaltijden, recepties, banketten, symposia, feesten, gala-avonden, alle soorten sportactiviteiten en alle soortgelijke activiteiten van evenement- en/of promotionele aard, literaire en culturele bijeenkomsten, tentoonstellingen en workshops; alle evenementen en recepties van particuliere, commerciële of professionele aard voor eigen rekening of voor rekening van derden, en in het bijzonder als adviseur voor de organisatie van evenementen en bijeenkomsten; de ontwikkeling, productie en promotie van evenementen met gebruikmaking van alle communicatiemiddelen en middelen, de terbeschikkingstelling van hostessen;
- Alle diensten en adviezen voor bedrijven en plaatselijke overheden, het deponeren van boeken, onlinebestellingen en -leveringen, rechtstreekse levering aan plaatselijke overheden;
- Exploitatie van alle soorten bedrijven: nachtwinkel, carwash, algemene levensmiddelen, kruidenierswinkel, enz;
- Investering in onroerend goed;
- Alle diensten, advies, consultancy, technische expertise, bemiddelingsbeheer, contacten, bijstand, opleiding en informatie in de ruimste zin binnen het kader van haar doel.
Registered office and establishments
1 establishment| Establishment | Since | Unit number | FASFC approval |
|---|---|---|---|
| Potteel 42 registered office 1730 Asse | |||
| R. De Cuyperstraat 17 1700 Dilbeek | 29-01-2025 | 2.370.099.384 | Manufacturer of other plant products |
Buildings and parcels at the addresses
- Ground area
- 5,366 m²
- Buildings
- 1,454 m²
- Volume, LiDAR
- 10,099 m³
- Tallest building
- 11.6 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 23074A0215/00W000 | 4,918 m² | 1 · 1,330 m² | 11.6 m · 2 |
| 23322E0053/00C000 | 448 m² | 1 · 123 m² | 10.6 m · 2 |
Recognitions
Food safety, FASFC
1 siteDilbeekunit number 2.370.099.384