SAPIENSA
ActiveSummary
SAPIENSA has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €432k and a net result of €71k. Equity is growing by ~24.1% per year across the filed fiscal years. Its solvency ranks better than 42% of 37956 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability79▲+41
Solvency74▲+14
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 3.0 against 2.32 in 2023; short-term debt: 18.3% and cash: 2.7% of total assets), but 50.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 →
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 · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-09-2025, 57 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 confirmed
2024
57 d late
2023
12 d early
2022
64 d late
2021
87 d late
2020
81 d late
2019
122 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€432k▲ 84.6%
2023 · €234k
2018: €105k
2019: €136k
2020: €125k
2021: €176k
2022: €250k
2023: €234k
2018 → 2024
Total assets
€873k▲ 31.0%
2023 · €667k
2018: €778k
2019: €780k
2020: €767k
2021: €718k
2022: €767k
2023: €667k
2018 → 2024
Net result
€71k
2023 · €-16k
2018: €-8k
2019: €31k
2020: €-11k
2021: €51k
2022: €73k
2023: €-16k
2018 → 2024
Working capital
€319k▲ 133%
2023 · €137k
2018: €134k
2019: €156k
2020: €108k
2021: €136k
2022: €176k
2023: €137k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€125k-€176k▲ 41.0%€250k▲ 41.5%€234k▼ 6.3%€432k▲ 84.6%
Operating result€7k-€86k▲ 1,074%€117k▲ 36.5%€-9k€103k
Net result€-11k-€51k€73k▲ 42.6%€-16k€71k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €103k after a loss of €9k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €873k
Fixed assets
€395k ▼ 7.3%
Current assets
€479k ▲ 98.9%
Equity and liabilities €873k
Equity
€432k ▲ 84.6%
Debt
€442k ▲ 2.1%
Debt's share of the balance-sheet total falls from 64.9% to 50.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€142k▲
2023 · €29k
Cash flow
€109k▲
2023 · €22k
Current ratio
3.00▲
2023 · 2.32
Debt to equity
1.02▼
2023 · 1.85
ROE
16.3%▲
2023 · -6.7%
ROA
8.1%▲
2023 · -2.4%
Interest coverage
14.17▲
2023 · 2.65
Debt ≤ 1 year
€160k▲
2023 · €104k
Debt > 1 year
€282k▼
2023 · €329k
Income taxes
€42k▲
2023 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 54 lines
Balance sheet
Code20232024
Assets
Total assets20/58€667k€873k▲
Fixed assets21/28€426k€395k▼
Tangible fixed assets22/27€426k€395k▼
Land and buildings22€358k€340k▼
Plant, machinery and equipment23€27k€23k▼
Furniture and vehicles24€35k€26k▼
Other tangible fixed assets26€6k€5k▼
Financial fixed assets28€43€43=
Current assets29/58€241k€479k▲
Amounts receivable after more than one year29€60k€290k▲
Other amounts receivable291€60k€290k▲
Amounts receivable within one year40/41€149k€160k▲
Trade receivables40€40k€115k▲
Other amounts receivable41€108k€46k▼
Cash at bank and in hand54/58€28k€24k▼
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€667k€873k▲
Equity10/15€234k€432k▲
Contributions10/11€91k€97k▲
Reserves13€128k€258k▲
Non-distributable reserves130/1€4k-
Reserves not available under the articles1311€4k-
Distributable reserves133€124k€258k▲
Profit (loss) carried forward14€15k€76k▲
Amounts payable17/49€433k€442k▲
Amounts payable after more than one year17€329k€282k▼
Financial debts170/4€329k€281k▼
Other amounts payable178/9-€840
Amounts payable within one year42/48€104k€160k▲
Current portion of amounts payable after more than one year42€52k€48k▼
Financial debts43€11k-
Other loans439€11k-
Trade debts44€20k€6k▼
Suppliers440/4€20k€6k▼
Taxes, remuneration and social security45€10k€50k▲
Taxes450/3€10k€50k▲
Other amounts payable47/48€12k€56k▲
Accrued charges and deferred income492/3€116-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€39k▲
Other operating charges640/8€2k€4k▲
Gross operating margin9900€31k€146k▲
Operating profit (loss)9901€-9k€103k▲
Financial income75/76B€5k€19k▲
Recurring financial income75€5k€19k▲
Financial charges65/66B€11k€10k▼
Recurring financial charges65€11k€10k▼
Profit (loss) for the period before taxes9903€-14k€112k▲
Income taxes67/77€1k€42k▲
Profit (loss) for the period9904€-16k€71k▲
Profit (loss) for the period to be appropriated9905€-16k€71k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€146k▲
Profit (loss) brought forward from the previous period14P€31k€76k▲
Transfer to equity691/2-€70k
To other reserves6921-€70k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
31-12
Financial
Back to profitnet €71k
Net result €71k after one loss-making year.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-16k ▼122%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
03-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 64 days late
2022
31-12
Financial
Highest result since 2018net €73k ▲42.6%
Operating result €117k, net result €73k, both a record.
31-12
Financial
Equity above €200kEq €250k ▲41.5%
2 profitable years in a row build equity to €250k.
26-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 87 days late
2021
31-12
Financial
Back to profitnet €51k
Net result €51k after one loss-making year.
31-12
Financial
Equity above €150kEq €176k ▲41%
Equity rises from €125k to €176k.
20-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 81 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
Show earlier events
2019
31-12
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Lasne · 1 establishment unit since 2004
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.
Chemin du Lanternier 291380 LasneGround area
633 m²
Building footprint
95 m²
Volume, LiDAR
814 m³
Parcel 25087C0436/00T000, Wallonia · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Sapiensa
since 20042.142.414.551
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25087C0436/00T000 | Wallonia | 633 m² | 1 · 95 m² | 10.3 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.
Similar companies · same sector, comparable size
Ben Vinken & Associates
BE 0447.488.516
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VANDENBO
BE 0873.767.585
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H24 MOBILITY GROUP
BE 1003.616.636
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DEWULF OLIVIER
BE 0889.305.304
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LeFun
BE 0738.486.041
Herenthout · Eq €431,438
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 35,798 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-10-2004
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0476/302230