Financials
- Financial year
- 2025
- Total assets
- €229,721
- Loss
- -€62,542
- Solvency
- 89.2%
Total assets▲ 779%
Net result
20242025
SAPLY.AI
ActiveSummary
The annual accounts of SAPLY.AI for financial year 2025 show a net loss of 429% of the equity at the start of that year. The 2025 annual accounts show equity of €204,835 and a net result of -€62,542. Its solvency ranks better than 87% of 21,009 sector peers (NACE 62, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Activity
Computer consultancy and computer facilities management
NACE 62200
2 sites
Size
€229,721total assets 2025
- Equity
- €204,835
- Loss
- -€62,542
Turnover not published (micro format)
Structure
- Largest shareholder
- TBV · 12.53%
Accounts 10 days early0 of 2 deeds read
Why 57raises riskCapped at 59: a net loss of at least half of total assets or of the equity at the start of the financial yearLoss of €62,542 (financial year 2025)lowers riskLiquidity: current ratio 8.97, cash €204,246Sector: Computer programming, consultancy and related activities (NACE 62)Size: total assets €229,721Show the evidence
Checked score
Score 2025
57
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 70% of its sector peers (NACE 62, micro)
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency
100+19
equity 89.2% of total assets
Liquidity
99+20
short-term debt 10.8% · cash 88.9%
Profitability
0-100
return on assets -27.2%
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
02-2025: < 0.1%lowest value
03-2025: < 0.1%● unchanged vs 02-2025lowest value
04-2025: < 0.1%● unchanged vs 03-2025lowest value
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%▲ +0.1 percentage points vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025highest value
02-2026: < 0.1%▼ -0.1 percentage points vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
Credit of up to €11,000 on 30-day terms, only on tighter conditions
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 8.97, compared with 2.07 in 2024; short-term debt: 10.8% and cash: 88.9% of total assets), and 10.8% of the assets are financed with debt.
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 62, micro): better than 85% on solvency, 92% on liquidity, 5% on profitability and 99% on growth.
The bankruptcy probability was computed on 09-10-2026 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 · Young company
Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 21-01-2026, 10 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
10 days early
2024
18 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 14 days before the deadline; the sector median (NACE 62) for financial year 2024 is 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end10-10-2026 today31-01-2027 deadline
- Annual accounts filedfinancial year 2025 · micro…
- Liquidity more than quadruplescurrent ratio 8.97
- Equity above €200,000equity €204,835 ▲1,304%
Key points
By topic
Board & ownership
- Largest shareholder
- TBV · 12.53%
Timeline
- Events
- 4
- Since
- 2025
- Next accounts
- by 31-01-2027
- 13-01-2025Annual accounts filed
Company details
- Sites
- 2
- Legal form
- Private limited company
- Activity
- Computer consultancy and computer facilities managementNACE 62200
- Founded
- 26-01-2024
- Year ends
- 30-06
- Peppol
- Reachable for e-invoices
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