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Complete company report
Generated 09-08-2026
Active BE 1005.269.891Private limited company

SAPLY.AI

Bikkelpad 3 ·8400 Oostende, Belgium· 2 yrs active
Sector: Computer programming & consultancy (62200)
Conclusion Checked

The computed 12-month bankruptcy probability of SAPLY.AI is 0.7% (low). The 2025 annual accounts show equity of €205k and a net result of €-63k. Its solvency ranks better than 88% of 2749 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €205k
Net result €-63k
Better than sector 88%
Active 2 yrs
Snowflake analysis 5 axes · computed by Checked
Health55Profitability0Solvency100Growth52Stability82
58 / 100

Mixed profile: strong on solvency, weaker on profitability.

Health 55
Profitability 0
Solvency 100
Growth 52
Stability 82
Bankruptcy probability (12 mo) Checked model v1 · free
0.7% Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Multiple establishment units +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2025 · computed
55 / 100 Fair
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 21-01-2026 with the NBB · fiscal year 2025 · micro
€-80k€-60k€-40k€-20k€0€20kOperating result 2024: €12k€12kNet result 2024: €10k€10kOperating result 2025: €-59k€-59kNet result 2025: €-63k€-63k20242025
Operating resultNet result
Sector comparison
Fiscal year 2025 · NACE 62, Computer programming & consultancy · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 89.2% 62.2%
better than 88% of 2749 sector peers
Net result €-63k €40k
better than 5% of 2751 sector peers
Equity €205k €62k
better than 90% of 2750 sector peers
Gross operating margin €-31k €63k
better than 5% of 2751 sector peers
Staff costs €27k €17k
higher than 57% of 362 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€-58k
- far below sector median
Net profit
€-63k
- far below sector median
Cash flow
€-61k
- far below sector median
Total assets
€230k
+778.8% far above sector median
Equity
€205k
+1304.1% far above sector median
Working capital
€198k
+1506.9% far above sector median
Staff costs
€27k
- +49% vs sector
Income taxes
€180
-93.8% -86% vs sector
Debt
€25k
+115.4% -19% vs sector
Debt ≤ 1y
€25k
+115.4% -19% vs sector
Current ratio
8.97
+333.6% far above sector median
Quick ratio
8.97
+333.6% far above sector median
Solvency
89.2%
+59.8% +146% vs sector
Debt / equity
0.12
-84.7% -94% vs sector
ROE
-30.5%
- far below sector median
ROA
-27.2%
- far below sector median
Interest coverage
-17.64
- far below sector median
Figures by fiscal year
Fiscal year2025
Revenue-
EBITDA€-58k
Net profit€-63k
Cash flow€-61k
Staff costs€27k
Income taxes€180
Dividends-
Total assets€230k
Equity€205k
Debt€25k
of which ≤ 1y€25k
of which > 1y-
Working capital€198k
Employees (FTE)-
Ratios (computed)
2025
Current ratio8.97
Quick ratio8.97
Working capital ratio86.3%
Solvency89.2%
Debt / equity0.12
Long-term debt ratio-
Interest coverage-17.64
Gross margin-
Net margin-
ROA-27.2%
ROE-30.5%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€230k
Fixed assets 21/28€7k
Tangible fixed assets 22/27€7k
Current assets 29/58€223k
Amounts receivable within one year 40/41€10k
Investments 50/53€3k
Cash & bank 54/58€204k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€230k
Equity 10/15€205k
Contributions / capital 10/11€258k
Accumulated profits (losses) 14€-53k
Amounts payable 17/49€25k
Amounts payable within one year 42/48€25k
Trade debts payable within one year 44€14k
Income statement
Gross operating margin 9900€-31k
Operating result 9901€-59k
Financial income 75€7
Financial charges 65€3k
Result before taxes 9903€-62k
Income taxes 67/77€180
Net result for the period 9904€-63k
Result to be appropriated 9905€-63k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Computer programming & consultancy(62200)
Legal form Private limited company(610)
Incorporation26-01-2024
StatusActive
Postal code8400
Establishment units 2 locations
Saply.ai
Bikkelpad 3, 8400 OostendeSnoeien van fruitbomen en wijnstokken
since 20242.356.699.330
Lammerstraat 13, 9000 Gent
Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten
since 20252.382.074.035
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
35020B0225/00G005 Flanders 110 m² 1 · 61 m² 5.9 m · 2 fl.
44805E0334/00C000indicative
ProtectedTownscape or village viewFeestlokaal Vooruit met omgevingSource ↗
 Flanders 64 m² 1 · 64 m² 16.5 m · 5 fl.
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Updates 3 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
21-01-2026
NBB filing Annual accounts filed
fiscal year 2025 · micro
2025
30-05-2025
State Gazette act Capital & shares
Yorik DESMYTTERE
13-01-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
Belgisch Staatsblad, acts 1 acts
Capital history · 1
30-05-2025
Capital change
All acts · 1 updated 1 year ago
2025
30-05-2025 Capital increase of €202,794.52 Capital & shares·Yorik DESMYTTERE
  • Inbreng in natura · Apport en nature
  • 2 kapitaalbewegingen in deze akte
Notary: Yorik DESMYTTERE · BrusselFirm: BERQUIN NOTARISSEN
Technical details 
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  "act_meta": {
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  "bedrijfsrevisor": {
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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

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Company registry (CBE) Crossroads Bank
Activities
Computerconsultancy-activiteiten62020Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200
Primary activity highlighted.
Names & trade names
Legal nameNL SAPLY.AI
Registered office
Bikkelpad 3
8400 Oostende, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative