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SAPLAN

Active Private limited companyfounded 2017active for 9 yearsItegemse Steenweg 123, 2270 HerenthoutKBO/BCE: BE 0674.708.640
SAPLAN
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Overview

Lifetime

6 annual accounts with figures on one time axis
peak €37,799 (2022)
€37,639▲ 10.9%
peak €22,436 (2022)
€21,266▼ 0.1%
peak €109,347 (2025)
€109,347▲ 23.0%
€17,218▼ 24.7%
Board1 name since 2017
1 directorVERSPREET Sandra
Documentsfilings and deeds
13-04-202617 days before the deadline
2025micro format
Dividend €800Equity from €88,882 to €109,347Debts from €22,878 to €17,218Investments €21,491Cash from €69,974 to €2,865

Key points

from the 2025 annual accounts

Equity

€109,347 ▲ 23.0%

SAPLAN has made a profit in every financial year since 2020.

Turnover

≈ €150,000 estimated

The micro format states no turnover.

Investments

€21,491 4.0 × depreciation
20212022202320242025

Green is investment, beige is depreciation. Land and buildings stand 110.5% higher than in 2024.

Liquidity

4.70 was 3.59 in 2024

Short-term debts fell from €22,878 to €17,218.

Filings

6 annual accounts 1 late
deadline202020222024

The 2023 accounts came 31 days late. The other five were filed on time.

Position in the sector

86.4%

Higher solvency than 84% of companies in computing infrastructure and information services. Sector median 55.3% · 2,301 companies.

Checked score

86
Excellent
Financially stronger than 62% of micro companies in computing infrastructure and information services (NACE 63)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 0.1% across 2,946 companies (NACE 63, micro).

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026lowest value 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: 0.4%▲ +0.4 percentage points vs 04-2026 06-2026: 0.4%● unchanged vs 05-2026 07-2026: 0.4%● unchanged vs 06-2026 08-2026: 0.4%● unchanged vs 07-2026highest value 09-2026: 0.4%● unchanged vs 08-2026highest value 10-2026: 0.4%● unchanged vs 09-2026 11-2026: 0.4%● unchanged vs 10-2026

Financial strength
Strong

100=equity 86.4% of total assets
51-42short-term debt 13.6% · cash 2.3%
90-3return on assets 16.8%

Score breakdown

raises risk
1 of the last 3 accounts late
Liquidity: current ratio 4.70, cash €2,865, halved
Size: total assets €126,566
lowers risk
Sector: Computing infrastructure, data processing, hosting and other information service activities (NACE 63)
Calculation

The band follows from the bankruptcy probability. 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 63, micro). It does better than 86% of them on solvency, 34% on liquidity, 60% on profitability and 67% on growth.

The bankruptcy probability was computed on 08-11-2026 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.

The probability rests on the annual accounts with balance sheet date 30-09-2025.

Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Comparable companies, two years later

In July 2024, 26,972 companies had the same profile as SAPLAN has now. Each dot stands for 68 companies, two years later.

94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more

Another 0.1% stopped without a precise date, possibly only after those two years.

That fits the bankruptcy probability of SAPLAN itself: 0.4% within 12 months.

Test of the method

The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 26,972 companies, not a prediction for SAPLAN. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit verdict

Credit of up to €9,000 on 30-day terms is acceptable

Liquidity is ample, with a current ratio of 4.7 (3.59 in 2024), above the usual 1.5. Short-term debt is 13.6% and cash 2.3% of total assets. 13.6% of the assets are financed with debt and provisions.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Sector: Computing infrastructure, data processing, hosting and other information service activities (NACE 63)
KBO
raises risk · 1 of the last 3 accounts late
NBB · filings
raises risk · Liquidity: current ratio 4.70, cash €2,865, halved
NBB · annual accounts
raises risk · Size: total assets €126,566
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
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 filings
Deviation from the deadline
2025
17 days early
2024
5 days early
2023
31 days late
2022
2 days early
2021
1 day early
2020
on the day
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 1 day after the deadline. In the sector (NACE 63), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 28 April (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
30-09-2026 year end08-11-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

VS
VERSPREET Sandra
Director, since 12-04-2017
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0674708640
Change of role: VERSPREET Sandra, from manager to director “De vennootschap mag alle verrichtingen stellen van commerciële, industriële, onroerende, roerende of…” (deed in Dutch) · Legal-form conversion: from limited partnership to private limited company · Director discharge: VERSPREET Sandra · General meeting of 10-02-2020 · Gazette deed
Incorporation published on 04-05-2017 · Gazette deed
First establishment Itegemse Steenweg 123, Herenthout
All 13 events

Comparable companies

same main activity, similar in size and age
Company
SAPLAN Herenthout €126,566 €37,639 86.4% -
Mployment & Law Houthalen-Helchteren €116,506 €37,836 24.2% -
Experts in Business Administration Herselt €136,701 €51,086 13.6% -
K.L.A. Projects Antwerp €159,173 €47,523 15.3% -
NONECT Antwerp €130,256 €51,303 62.9% -
INTOMOTIVE Hoogstraten €151,594 €40,843 89.6% -
Pamaco Antwerp €97,259 €51,656 86.3% -

These companies have the same main activity as SAPLAN: other information service activities (NACE 63920). They are comparable in size and age: total assets between €97,300 and €159,000, founded between 2014 and 2018.

Official details

Source: KBO
Status
Active since 12-04-2017Normal situation
Activity
Other information service activitiesNACE 63920
Establishment unit
2.263.948.2272270 Herenthout, since 12-04-2017
Financial year end
30 September
Peppol
Reachable since 25-09-2025
Company details

Annual accounts to 30-09-2025

€37,639▲ 10.9%
€21,266▼ 0.1%
€109,347▲ 23.0%
€126,566▲ 13.2%
Filing
Filed on 13-04-2026, 17 days before the end of the filing period
Financials

Insights on SAPLAN

SAPLAN files the micro format. That format states no turnover. The gross margin rose from €20,959 in 2020 to €37,639 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 13-04-2026, 17 days before the deadline
€37,639
▲ 10.9%
€31,257
▲ 0.1%
€21,266
▼ 0.1%
€63,725
▲ 7.4%
86.4%
▲ 6.9 percentage points
4.70
▲ 1.11

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €150,000. Estimated: probably between €91,000 and €270,000.

Balance sheet

balance sheet total €126,566 on 30-09-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

86.4%

Higher than 84% of 2,301 companies in 2025.

4.70

Higher than 76% of 2,198 companies in 2025.

16.8%

Higher than 54% of 2,232 companies in 2025.

SAPLAN Middle half of the sector 80% of the sector Micro accounts in computing infrastructure and information services (NACE 63)

Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend202520242023202220212020
Balance sheet: assets
20/58 126,566111,76093,74192,12774,09665,814
21/28 45,62229,55016,86020,72317,57617,073
22/27 30,62314,5511,8615,7242,5772,074
22 30,62314,5511,649---
24 --2135,7242,5772,074
28 14,99914,99914,99914,99914,99914,999
29/58 80,94382,20976,88171,40456,52048,742
40/41 78,07810,064-2,7571,4041,463
40 78,07810,064----
41 ---2,7571,4041,463
54/58 2,86569,97474,72867,44053,41445,595
490/1 -2,1712,1531,2071,7021,683
Balance sheet: equity and liabilities
10/49 126,566111,76093,74192,12774,09665,814
10/15 109,34788,88268,40162,88141,24427,915
10/11 100100100100100100
11 100100100100100100
1100/10 100100100100100100
13 109,24788,78268,30162,78141,14427,815
130/1 101010101010
1311 101010101010
133 109,23788,77268,29162,77141,13427,805
17/49 17,21822,87825,34029,24632,85237,899
42/48 17,21822,87825,34029,24632,85237,899
43 6172,3601,8441,338687530
430/8 6172,3601,8441,338687530
44 2,2822,2403,5151,4371,0001,395
440/4 2,2822,2403,5151,4371,0001,395
45 1,6824,5753,8764,3045,9139,319
450/3 1,6824,5753,8764,3045,9139,319
47/48 12,63713,70316,10622,16725,25226,656
Income statement
9900 37,63933,93912,58137,79924,68520,959
630 5,4191,7261,6172,6841,3161,713
640/8 9639851,0381,5911,268649
9901 31,25731,2289,92533,52422,10018,597
75/76B -60---
75 -60---
65/66B 1,0648998251,0401,1911,039
65 1,0648998251,0401,1911,039
9903 30,19330,3359,10132,48320,91017,558
67/77 8,9279,0552,78010,0476,7815,673
9904 21,26621,2816,32022,43614,12911,885
9905 21,26621,2816,32022,43614,12911,885
Appropriation of the result
9906 21,26621,2816,32022,43614,12911,885
691/2 20,46620,4815,52021,63613,32911,085
6921 20,46620,4815,52021,63613,32911,085
694/7 800800800800800800
694 800800800800800800
Document PDFPDFPDFPDFPDFPDF

The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).

Source: Annual accounts 2025 (PDF), filed on 13-04-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
30-09-2025 micro format 13-04-2026 2026-00079479 PDF
30-09-2024 micro format 25-04-2025 2025-00080583 PDF
30-09-2023 micro format 31-05-2024 2024-00103172 PDF
30-09-2022 micro format 28-04-2023 2023-00078019 PDF
30-09-2021 micro format 29-04-2022 2022-20021797 PDF
30-09-2020 micro format 30-04-2021 2021-12400533 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend202520242023202220212020
36,67632,95311,54336,20823,41620,310
26,68523,0067,93825,12115,44513,598
21,49114,4152,1785,8311,8192,749
-67,109-4,7547,28814,0267,819-
63,72559,33151,54142,15823,66810,843
86.4%79.5%73.0%68.3%55.7%42.4%
4.703.593.032.441.721.29
0.160.260.370.470.801.36
19.4%23.9%9.2%35.7%34.3%42.6%
16.8%19.0%6.7%24.4%19.1%18.1%
34.4636.6613.9934.8019.67-

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired
Item30-09-202530-09-202430-09-202330-09-202230-09-2021
Tangible fixed assets€21,491€14,415€2,178€5,831€1,819
€5,419€1,726€1,617€2,684€1,316

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on SAPLAN

The operating result for 2025 is 0% higher than in 2024 and the highest since 2022. It is the second rise in a row, after the fall in 2023.

Debt's share of the balance-sheet total falls from 20.5% to 13.6%. Equity is higher and debt is lower.

Board & ownership

Board

1 director, last change in 2020
VERSPREET Sandra
Director (not named in the articles)
since 12-04-2017 term without a fixed end
earlier manager, until 25-02-2020
listed in the 2025 annual accounts, filed on 13-04-2026

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today
VERSPREET Sandra
Director (not named in the articles)
BoardEarliermandate already running before its first mention
Mandates as a list
  • VERSPREET Sandra
    • Director (not named in the articles), from 12-04-2017 to date
    • Manager, until 25-02-2020

See the board, name and registered office on a given date →

Control

See the annual accounts at the National Bank and the publications in the Belgian Official Gazette.

Capital

Contribution
€100
Source
2025 annual accounts

Articles of association

deed of 25-02-2020 (in Dutch)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
“Recht algemene vergadering één of meer vereffenaars aan te duiden, bevoegdheden te omlijnen en vergoeding te bepalen, bestuurder(s) in…”

Network & group

No group

SAPLAN has no parent and no holdings in its annual accounts. VERSPREET Sandra is the only director. SAPLAN shares no director with another company.

At the same address

Itegemse Steenweg 123, 2270 Herenthout · 1 other company
LIFE EXPERTS
establishment since 12-06-2017 · founded in 2015
 total assets €435,628 (2025)
0627.926.530

Timeline

Timeline

13 events since 2017

Deadline for the 2026 accounts: 30-04-2027

2026
Annual accounts 2025 filed PDFmicro format · 17 days before the deadline
2025
Equity above €100,000 equity €109,347 ▲23% With a profit in every financial year since 2020, equity grows to €109,347.
Registered in the Peppol Directory Reachable for e-invoices through 0208:0674708640
Annual accounts 2024 filed PDFmicro format · 5 days before the deadline
2024
Annual accounts 2023 filed PDFmicro format · 31 days late
2023
Weakest financial year net €6,320 ▼71.8% The net result drops to €6,320, the lowest from 2020 to 2025. It recovers the following year.
Annual accounts 2022 filed PDFmicro format · 2 days before the deadline
2022
Highest result from 2020 to 2025 net €22,436 ▲58.8% The operating result of €33,524 and the net result of €22,436 are both a record.
Annual accounts 2021 filed PDFmicro format · 1 day before the deadline
2021
Annual accounts 2020 filed PDFmicro format · on the deadline day
2020
Change of role: VERSPREET Sandra, from manager to director“De vennootschap mag alle verrichtingen stellen van commerciële, industriële, onroerende, roerende of…” (deed in Dutch) · Legal-form conversion: from limited partnership to private limited company · Director discharge: VERSPREET Sandra · General meeting of 10-02-202010 points ▸
  • General meeting, 10-02-2020
  • Purpose change, “De vennootschap mag alle verrichtingen stellen van commerciële, industriële, onroerende, roerende of financiele aard die rechtstreeks of onrechtstreeks met haar…” (deed in Dutch)
  • Net-asset statement, 31-12-2019
  • Legal-form conversion, from limited partnership to private limited company
  • Accounting effect, 31-12-2019
  • 100 shares
  • Director resignation, VERSPREET Sandra (manager)
  • Director appointment, VERSPREET Sandra (director (not named in the articles))
  • Director discharge, VERSPREET Sandra
  • Registered office clause, Itegemse Steenweg 123, 2270 Herenthout
  • The deed holds 6 more points.

Open the deed in the Belgian Official Gazette

2017
Incorporation PDFpublished on 04-05-2017
First establishment Itegemse Steenweg 123, Herenthout

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

On 12 April 2017, SAPLAN was incorporated.1 Total assets went from €65,814 in 2020 to €126,566 in 2025.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2020 and 2025

Company details

Identity

Enterprise number
0674.708.640
VAT number
BE 0674.708.640
Peppol ID
0208:0674708640
Other Peppol ID
9925:BE0674708640
Legal form
Private limited company
Status
Active, normal situation
Founded
12-04-2017
Financial year
ends on 30 September
Peppol
Reachable since 25-09-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
SAPLAN in Dutch
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 25-02-2020 (in Dutch)
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest”
deed of 25-02-2020 (in Dutch)

Activities

NACEBEL 2025
63920 Other information service activities main activity
Codes under NACEBEL 2008
63990 Computing infrastructure, data processing, hosting and other information service activities main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
“Het beheer van een verzekeringsportefeuille; Het beheer van een fiscaal adviesbureau; De administratieve en juridische organisatie van de…”
12 activities
  1. Het beheer van een verzekeringsportefeuille;
  2. Het beheer van een fiscaal adviesbureau;
  3. De administratieve en juridische organisatie van de ondernemingen en de vermogens evenals de studies, opdrachten en raadgevingen op juridisch, financieel en economisch vlak, alsook de verwerking van de informatie ter zake;
  4. Verzekeringsbemiddeling;
  5. Alle leningen, financieringen en hypotheken;
  6. Het verkrijgen, beleggen in, vervreemden, bezwaren, (ver)huren, (ver)pachten en het op andere wijze beschikken met betrekking tot roerende en onroerende goederen, deelnemingen en belangen in andere vennootschappen, bedrijven en ondernemingen, het ontplooien van activiteiten op commercieel, financieel en industrieel gebied;
  7. Alle plaatsingen en geldbeleggingen als verzekeringsmakelaar;
  8. Adviesverlening aan particulieren, vennootschappen, bedrijven en ondernemingen;
  9. Alsmede alle andere activiteiten die rechtstreeks of onrechtstreeks daarop betrekking hebben;
  10. Het verlenen van diensten van financiële, commerciële, operationele of administratieve aard;
  11. Het geven van opleidingen en trainingen in de meest ruime zin.
  12. Het managen van ondernemingen, waaronder bed & breakfast, hotelwezen en horeca, in de meest ruime zin.
deed of 25-02-2020 (in Dutch)

Registered office and establishments

1 establishment
Establishment Since Unit number
Itegemse Steenweg 123 registered office 2270 Herenthout 12-04-2017 2.263.948.227

Buildings and parcels at the address

Ground area
1,099 m²
Buildings
186 m²
Volume, LiDAR
942 m³
Tallest building
8.7 m
Buildings to scale, each on its own parcel
186 m², 8.7 m 186 m², 8.7 m

Location

registered office establishment The establishment unit on the map
2 companies at this address See who is registered here

Parcels

Cadastral parcelArea Buildings Height / floors
13012C0006/00X0001,099 m² 1 · 186 m² 8.7 m · 2

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