Financials
- Financial year
- 2024
- Total assets
- €68,603
- Loss
- -€8,737
- Solvency
- 49.7%
Total assets▲ 3.1%
Net result
20192024
SAPHIR PARTNERS
ActiveSummary
The computed 12-month bankruptcy probability of SAPHIR PARTNERS is 3.8% (moderate). The 2024 annual accounts show equity of €34,125 and a net result of -€8,737. Equity is growing by about 38% per year across the filed financial years. Its solvency ranks better than 75% of 1,747 sector peers (NACE 56, financial year 2024). The company has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Cafés and bars
NACE 56301
1 site
Size
€68,603total assets 2024
- Equity
- €34,125
- Loss
- -€8,737
Structure
Accounts 78 days overdue0 of 3 deeds read
Why 49raises riskFigures for financial year 2024 (filed 29-09-2025)1 financial year not filed after the legal deadline; latest accounts 60 days late; 3 of the last 3 lateSector: Food and beverage service activities (NACE 56)lowers riskLiquidity: current ratio 1.97, cash €28,604Show the evidence
Checked score
Score 2024
49
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 50% of its sector peers (NACE 56, micro)
Financial strength · tick = 2023
Average
Solvency
75-14
equity 49.7% of total assets
Liquidity
89+5
short-term debt 26.9% · cash 41.7%
Profitability
3-69
return on assets -12.7%
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 4.0%highest value
12-2024: 2.2%▼ -1.8 percentage points vs 11-2024
01-2025: 2.2%● unchanged vs 12-2024
02-2025: 2.2%● unchanged vs 01-2025
03-2025: 2.2%● unchanged vs 02-2025
04-2025: 2.2%● unchanged vs 03-2025
05-2025: 2.2%● unchanged vs 04-2025
06-2025: 2.0%▼ -0.2 percentage points vs 05-2025
07-2025: 2.1%▲ +0.1 percentage points vs 06-2025
08-2025: 2.7%▲ +0.6 percentage points vs 07-2025
09-2025: 2.8%▲ +0.1 percentage points vs 08-2025
10-2025: 1.6%▼ -1.2 percentage points vs 09-2025
11-2025: 1.6%● unchanged vs 10-2025
12-2025: 1.6%● unchanged vs 11-2025
01-2026: 1.6%● unchanged vs 12-2025
02-2026: 1.6%● unchanged vs 01-2026
03-2026: 1.6%● unchanged vs 02-2026
04-2026: 1.6%● unchanged vs 03-2026
05-2026: 1.6%● unchanged vs 04-2026
06-2026: 1.5%▼ -0.1 percentage points vs 05-2026lowest value
07-2026: 1.6%▲ +0.1 percentage points vs 06-2026
08-2026: 2.2%▲ +0.6 percentage points vs 07-2026
09-2026: 2.5%▲ +0.3 percentage points vs 08-2026
10-2026: 3.8%▲ +1.3 percentage points vs 09-2026
Credit of up to €1,500 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity ample (current ratio 1.97, compared with 1.66 in 2023, above the usual 1.5; short-term debt: 26.9% and cash: 41.7% of total assets), but 50.3% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 56, micro): better than 68% on solvency, 91% on liquidity, 18% on profitability and 25% on growth.
The bankruptcy probability was computed on 16-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Six signals.
lowers riskraises riskneutral
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 78 days later.
NBB · 6 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline17-10-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 6 filingsDeviation from the deadline
2025
not filed
2024
60 days late
2023
120 days late
2022
120 days late
2021
52 days late
2020
31 days late
2019
105 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 81 days after the deadline; the sector median (NACE 56) for financial year 2024 is 6 days after the deadline, and 53% of those companies filed late.
Searched, nothing found (1)
- Annual accounts filedfinancial year 2024 · full…
- Weakest financial yearnet -€8,737
- Annual accounts filedfinancial year 2023 · full…
Key points
By topic
Timeline
- Events
- 9
- Since
- 2020
- 28-11-2023Annual accounts filed
- 21-09-2022Annual accounts filed
- 31-12-2021Highest result from 2019 to 2024
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Cafés and barsNACE 56301
- Founded
- 18-06-2019
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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