SAPLAN
ActiveSummary
SAPLAN has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €109k and a net result of €21k. Equity is growing by ~29.2% per year across the filed fiscal years. Its solvency ranks better than 84% of 1901 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▼-3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 4.7 against 3.59 in 2024; short-term debt: 13.6% and cash: 2.3% of total assets), and 13.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
lower
← fewer bankruptcies
more bankruptcies →
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
86.4%
Return on assets
16.8%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 13-04-2026, 17 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
17 d early
2024
5 d early
2023
31 d late
2022
2 d early
2021
1 d early
2020
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€109k▲ 23.0%
2024 · €89k
2020: €28k
2021: €41k
2022: €63k
2023: €68k
2024: €89k
2020 → 2025
Total assets
€127k▲ 13.2%
2024 · €112k
2020: €66k
2021: €74k
2022: €92k
2023: €94k
2024: €112k
2020 → 2025
Net result
€21k▼ 0.1%
2024 · €21k
2020: €12k
2021: €14k
2022: €22k
2023: €6k
2024: €21k
2020 → 2025
Working capital
€64k▲ 7.4%
2024 · €59k
2020: €11k
2021: €24k
2022: €42k
2023: €52k
2024: €59k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€41k-€63k▲ 52.5%€68k▲ 8.8%€89k▲ 29.9%€109k▲ 23.0%
Operating result€22k-€34k▲ 51.7%€10k▼ 70.4%€31k▲ 215%€31k▲ 0.1%
Net result€14k-€22k▲ 58.8%€6k▼ 71.8%€21k▲ 237%€21k▼ 0.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 0% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €127k
Fixed assets
€46k ▲ 54.4%
Current assets
€81k ▼ 1.5%
Equity and liabilities €127k
Equity
€109k ▲ 23.0%
Debt
€17k ▼ 24.7%
Debt's share of the balance-sheet total falls from 20.5% to 13.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€37k▲
2024 · €33k
Cash flow
€27k▲
2024 · €23k
Current ratio
4.70▲
2024 · 3.59
Debt to equity
0.16▼
2024 · 0.26
ROE
19.4%▼
2024 · 23.9%
ROA
16.8%▼
2024 · 19.0%
Interest coverage
34.46▼
2024 · 36.66
Debt ≤ 1 year
€17k▼
2024 · €23k
Income taxes
€9k▼
2024 · €9k
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 · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€112k€127k▲
Fixed assets21/28€30k€46k▲
Tangible fixed assets22/27€15k€31k▲
Land and buildings22€15k€31k▲
Financial fixed assets28€15k€15k=
Current assets29/58€82k€81k▼
Amounts receivable within one year40/41€10k€78k▲
Trade receivables40€10k€78k▲
Cash at bank and in hand54/58€70k€3k▼
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€112k€127k▲
Equity10/15€89k€109k▲
Contributions10/11€100€100=
Outside capital11€100€100=
Share premium1100/10€100€100=
Reserves13€89k€109k▲
Non-distributable reserves130/1€10€10=
Reserves not available under the articles1311€10€10=
Distributable reserves133€89k€109k▲
Amounts payable17/49€23k€17k▼
Amounts payable within one year42/48€23k€17k▼
Financial debts43€2k€617▼
Credit institutions430/8€2k€617▼
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€5k€2k▼
Taxes450/3€5k€2k▼
Other amounts payable47/48€14k€13k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€5k▲
Other operating charges640/8€985€963▼
Gross operating margin9900€34k€38k▲
Operating profit (loss)9901€31k€31k▲
Financial income75/76B€6-
Recurring financial income75€6-
Financial charges65/66B€899€1k▲
Recurring financial charges65€899€1k▲
Profit (loss) for the period before taxes9903€30k€30k▼
Income taxes67/77€9k€9k▼
Profit (loss) for the period9904€21k€21k▼
Profit (loss) for the period to be appropriated9905€21k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€21k▼
Transfer to equity691/2€20k€20k▼
To other reserves6921€20k€20k▼
Profit to be distributed694/7€800€800=
Return on contributions (dividend)694€800€800=
The notes to these accounts (5 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
13-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Equity above €100kEq €109k ▲23%
6 profitable years in a row build equity to €109k.
25-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
30-09
Financial
Weakest financial yearnet €6k ▼71.8%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2020net €22k ▲58.8%
Operating result €34k, net result €22k, both a record.
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Herenthout · 1 establishment unit since 2017
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.
Itegemse Steenweg 1232270 HerenthoutGround area
1,099 m²
Building footprint
186 m²
Volume, LiDAR
942 m³
Parcel 13012C0006/00X000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SAPLAN
since 20172.263.948.227
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13012C0006/00X000 | Flanders | 1,099 m² | 1 · 186 m² | 8.7 m · 2 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
Trip to Bonanza
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BE 0792.539.785
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Atelier tout proche
BE 1017.524.753
Beveren-Kruibeke-Zwijndrecht · Eq €109,066
MYTHRAS BOOKS
BE 0731.673.374
Antwerpen · Eq €108,969
DCS Consultancy
BE 0801.963.534
Wommelgem · Eq €108,838
Of 3,152 companies in sector 63920 we hold annual accounts for 1,523. 1,253 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
Founded12-04-2017
Fiscal year end30-09
Activities, NACEBEL 2025
63920Other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.