SAPI-C
ActiveSAPI-C has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €161k and a net result of €88k. Its solvency ranks better than 50% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency85▲+10
Growth78
Track record82
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days only on tighter terms
Liquidity ample (current ratio 3.81 against 2.39 in 2024; short-term debt: 25.1% and cash: 71.8% of total assets), and 39.8% of the assets are financed with debt.
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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
60.2%
Return on assets
32.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 2 filingsDeviation from the deadline
2025
30 d late
2024
26 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€161k▲ 118%
2024 · €74k
2024: €74k
2024 → 2025
Total assets
€267k▲ 81.1%
2024 · €148k
2024: €148k
2024 → 2025
Net result
€88k▲ 29.2%
2024 · €68k
2024: €68k
2024 → 2025
Working capital
€189k▲ 149%
2024 · €76k
2024: €76k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€74k-€161k▲ 118%
Operating result€106k-€131k▲ 23.5%
Net result€68k-€88k▲ 29.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 24% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €267k
Fixed assets
€12k▼ 34.3%
Current assets
€256k▲ 96.8%
Equity and liabilities €267k
Equity
€161k▲ 118%
Provisions
€39k▲ 103%
Debt
€67k▲ 23.6%
The debt ratio falls from 36.8% to 25.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€137k▲
2024 · €113k
Cash flow
€94k▲
2024 · €75k
Solvency
60.2%▲
2024 · 50.1%
Current ratio
3.81▲
2024 · 2.39
Quick ratio
3.81▲
2024 · 2.39
Debt / equity
0.42▼
2024 · 0.73
ROE
54.6%▼
2024 · 91.9%
ROA
32.9%▼
2024 · 46.1%
Interest coverage
2073.46▲
2024 · 36.24
Debt
€67k▲
2024 · €54k
Debt ≤ 1 year
€67k▲
2024 · €54k
Income taxes
€43k▲
2024 · €35k
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€148k€267k▲
Fixed assets21/28€18k€12k▼
Tangible fixed assets22/27€18k€12k▼
Furniture and vehicles24€18k€12k▼
Current assets29/58€130k€256k▲
Amounts receivable within one year40/41€27k€61k▲
Trade receivables40€25k€14k▼
Other amounts receivable41€1k€47k▲
Cash at bank and in hand54/58€56k€192k▲
Deferred charges and accrued income490/1€47k€2k▼
Equity and liabilities
Total equity and liabilities10/49€148k€267k▲
Equity10/15€74k€161k▲
Contributions10/11€6k€6k=
Reserves13€68k€155k▲
Distributable reserves133€68k€155k▲
Provisions and deferred taxes16€19k€39k▲
Provisions for liabilities and charges160/5€19k€39k▲
Other liabilities and charges164/5€19k€39k▲
Amounts payable17/49€54k€67k▲
Amounts payable within one year42/48€54k€67k▲
Trade debts44€10k€14k▲
Suppliers440/4€10k€14k▲
Taxes, remuneration and social security45€36k€47k▲
Taxes450/3€35k€47k▲
Remuneration and social security454/9€1k-
Other amounts payable47/48€8k€6k▼
Accrued charges and deferred income492/3-€30
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€6k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€19k€20k▲
Other operating charges640/8€214€311▲
Gross operating margin9900€132k€157k▲
Operating profit (loss)9901€106k€131k▲
Financial income75/76B€61€16▼
Recurring financial income75€61€16▼
Financial charges65/66B€3k€66▼
Recurring financial charges65€3k€66▼
Profit (loss) for the period before taxes9903€103k€131k▲
Income taxes67/77€35k€43k▲
Profit (loss) for the period9904€68k€88k▲
Profit (loss) for the period to be appropriated9905€68k€88k▲
Appropriation of the result
Profit (loss) to be appropriated9906€68k€88k▲
Transfer to equity691/2€68k€87k▲
To other reserves6921€68k€87k▲
Profit to be distributed694/7-€833
Return on contributions (dividend)694-€833
The notes to these accounts (4 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Equity above €150kEq €161k ▲118%
2 profitable years in a row build equity to €161k.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Jodoigne · 1 establishment unit since 2023
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.
Rue Longue(Piét.) 1411370 JodoigneGround area
1,248 m²
Building footprint
116 m²
Volume, LiDAR
1,160 m³
Parcel 25085D0098/00N000, Wallonia · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SAPI-C
since 20232.351.809.738
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25085D0098/00N000 | Wallonia | 1,248 m² | 1 · 116 m² | 11.4 m · 3 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.
Recognitions · licences · registrations
Legal Entity Identifier
9845000FC7QACFF95274
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Of 16,886 companies in sector 62100 we hold annual accounts for 8,777. 6,811 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-11-2023
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
33200Installation of industrial machinery and equipment
43211General electrical installation work
47400Retail sale of information and communication equipment
47410Retail trade
62020IT consultancy
62200Computer consultancy and computer facilities management
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.