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Generated 17-08-2026
Active BE 0769.578.501Private limited company

Saphinah Cosmetics

Rue Zénobe Gramme 49 ·4280 Hannut, Belgium· 5 yrs active
Sector: Groothandel in parfumerieën en cosmetica (46450)
Conclusion Checked

The computed 12-month bankruptcy probability of Saphinah Cosmetics is 7.1% (elevated). The 2022 annual accounts show negative equity (€-20k) and a net result of €-27k. Its solvency ranks better than 5% of 520 sector peers (fiscal year 2022). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €-20k
Net result €-27k
Better than sector 5%
Active 5 yrs
Financial profile 4 of 5 axes measured · computed by Checked
Health0Profitability33Solvency33Growth-Stability79
36 / 100

Fragile profile, watch health in particular.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 0
Profitability 33
Solvency 33
Growth -
Stability 79
Bankruptcy probability (12 mo) Checked model v1 · free
7.1% Elevated
0%0,5%1,5%4%10%≥25%
Annual accounts: weaker financial profile +Young company +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2022 · computed
0 / 100 Critical
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2022. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 18-06-2023 with the NBB · fiscal year 2022 · volledig
Sector comparison
Fiscal year 2022 · NACE 46, Wholesale trade · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency -101.0% 29.3%
better than 5% of 520 sector peers
Net result €-27k €49k
better than 18% of 520 sector peers
Equity €-20k €448k
better than 11% of 521 sector peers
Gross operating margin €-17k €124k
better than 9% of 311 sector peers
Staff costs €2k €486k
higher than 5% of 397 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2022
Depositvolledig
Revenue€23k
EBITDA€-19k
Net profit€-27k
Cash flow€-19k
Staff costs€2k
Income taxes-
Dividends-
Total assets€20k
Equity€-20k
Debt€40k
of which ≤ 1y€30k
of which > 1y€10k
Working capital€-25k
Employees (FTE)-
Ratios (computed)
2022
Current ratio0.16
Quick ratio0.05
Working capital ratio-128.5%
Solvency-101.0%
Debt / equity-1.99
Long-term debt ratio-0.48
Interest coverage-92.28
Gross margin-74.0%
Net margin-118.2%
ROA-136.5%
ROE135.2%
EBITDA margin-83.7%
Days sales outstanding6d
Days payable outstanding7d
Inventory turnover12.01
Days inventory (DSI)30d
Balance-sheet composition 2022
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2022
Balance sheet, Assets
TOTAL ASSETS 20/58€20k
Fixed assets 21/28€15k
Tangible fixed assets 22/27€15k
Current assets 29/58€5k
Stocks & contracts in progress 3€3k
Amounts receivable within one year 40/41€376
Cash & bank 54/58€973
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€20k
Equity 10/15€-20k
Contributions / capital 10/11€7k
Accumulated profits (losses) 14€-27k
Amounts payable 17/49€40k
Amounts payable after one year 17€10k
Amounts payable within one year 42/48€30k
Trade debts payable within one year 44€783
Income statement
Turnover 70€23k
Gross operating margin 9900€-17k
Operating result 9901€-27k
Financial charges 65€206
Result before taxes 9903€-27k
Net result for the period 9904€-27k
Result to be appropriated 9905€-27k
Ratios computed by Checked.
Directors & mandates 2 directors
Current directors & mandates
  • Chaghouani Sanah
    Director
    State Gazette act 25035884 (14-03-2025)
    Current
    14-03-2025 → present
    2 events
    • 14-03-2025 Appointed· Director
    • 14-03-2025 Appointed· Managing director
Former directors (1)
  • Ben Taher Zouhair
    Director
    State Gazette act 25035884 (14-03-2025)
    Former
    - → 30-06-2024
    2 events
    • 30-06-2024 Resigned· Director
    • 30-06-2024 Resigned· Managing director
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Groothandel in parfumerieën en cosmetica(46450)
Legal form Private limited company(610)
Incorporation10-06-2021
StatusActive
Postal code4280
Establishment units 1 location
Sanah Chaghouani
Rue Zénobe Gramme 49, 4280 HannutHandelsbemiddeling in de niet-gespecialiseerde groothandel
since 20212.319.606.530
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
64034B0932/00L000 Wallonia 389 m² 1 · 93 m² 10.8 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
14-03-2025
State Gazette act Capital & shares
2023
18-06-2023
NBB filing Annual accounts filed
fiscal year 2022 · volledig
Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
Capital history · 1
14-03-2025
Capital change
All acts · 1 updated 1 year ago
2025
14-03-2025 Transaction in capital or shares Capital & shares
Technical details 
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      "subscribers": [
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          "rrn": null,
          "kind": "person",
          "name": "Madame Chaghouani Sanah",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": 50,
          "contribution_amount_eur": null
        }
      ],
      "share_emission": {
        "agio_eur": null,
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        "nominal_value_eur": null,
        "issue_price_per_share_eur": null
      },
      "decrease_purpose": null,
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      "paid_up_delta_eur": null,
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      "merger_exchange_ratio": null,
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      "statutory_unavailable_equity_op": null
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  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "fr",
    "pub_date": "2025-03-14",
    "filing_date": "2025-03-03",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decision": {
    "body": "algemene_vergadering",
    "act_date": "2025-03-03",
    "unanimous": true,
    "under_authorized_capital": false,
    "underlying_resolution_date": "2024-06-30"
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0769.578.501",
    "name_full": "Saphinah Cosmetics",
    "legal_form": "Soci\u00E9t\u00E9 \u00E0 responsabilit\u00E9 limit\u00E9e",
    "is_foreign_registered": false
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "shareholders_after": [
    {
      "kbo": null,
      "pct": null,
      "kind": "person",
      "name": "Madame Chaghouani Sanah",
      "role": null,
      "n_shares": 100,
      "share_class": null
    },
    {
      "kbo": null,
      "pct": null,
      "kind": "person",
      "name": "Monsieur Ben Taher Zoubair",
      "role": null,
      "n_shares": 0,
      "share_class": null
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  "share_classes_after": []
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Groothandel in parfumerieën en cosmetica46450Groothandel in parfumerieën en cosmetica46450Handelsbemiddeling in goederen, algemeen assortiment46190Handelsbemiddeling in de niet-gespecialiseerde groothandel46190Overige detailhandel in voedingsmiddelen, neg47279Overige detailhandel in voedingsmiddelen in gespecialiseerde winkels, n.e.g.47299Detailhandel in cosmetica en toiletartikelen in gespecialiseerde winkels47750Detailhandel in cosmetica en toiletartikelen47750Overige vormen van onderwijs85599Overige vormen van onderwijs85599
Primary activity highlighted.
Names & trade names
Legal nameFR Saphinah Cosmetics
Trade nameFR Saphinah
Registered office
Rue Zénobe Gramme 49 bus A
4280 Hannut, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative