Financials
- Fiscal year
- 2025
- Total assets
- €587,516
- Loss
- -€3,703
- Solvency
- -48.7%
Total assets▲ 1.9%
Net result
20192025
SAPOPHIL
ActiveSummary
SAPOPHIL has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€285,928) and a net result of -€3,703. Equity is shrinking by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 7% of 16076 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
Activity
Renting and operating of own or leased residential real estate, excluding social housing
NACE 68201
#5 oldest company in Sint-Gillis, Real estate sector1 site
Size
€587,516total assets 2025
- Equity
- -€285,928
- Loss
- -€3,703
Structure
Accounts 43 d early
Why 55Capped at 59: negative equity- Negative equity -€285,928+ Size: total assets €587,516+ Founded in 1982+ Figures for FY 2025 (filed 24-12-2025)Show the evidence
Checked score
Score 2025
55
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 38% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Negative equity caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency
0=
equity -48.7% of total assets
Liquidity
63+8
short-term debt 0.4% · cash 10.7%
Profitability
36-29
return on assets -0.6%
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.6%
12-2024: 0.6%▲ +10.6% vs 11-2024highest value
01-2025: 0.3%▼ -44.2% vs 12-2024
02-2025: 0.3%● 0.0% vs 01-2025
03-2025: 0.3%● 0.0% vs 02-2025
04-2025: 0.3%● 0.0% vs 03-2025
05-2025: 0.3%● 0.0% vs 04-2025
06-2025: 0.3%● 0.0% vs 05-2025
07-2025: 0.3%● 0.0% vs 06-2025
08-2025: 0.4%▲ +1.7% vs 07-2025
09-2025: 0.4%▼ -0.6% vs 08-2025
10-2025: 0.4%● 0.0% vs 09-2025
11-2025: 0.4%▲ +14.2% vs 10-2025
12-2025: 0.4%▲ +6.7% vs 11-2025
01-2026: 0.3%▼ -39.8% vs 12-2025lowest value
02-2026: 0.3%● 0.0% vs 01-2026lowest value
03-2026: 0.3%● 0.0% vs 02-2026lowest value
04-2026: 0.3%● 0.0% vs 03-2026lowest value
05-2026: 0.3%● 0.0% vs 04-2026lowest value
06-2026: 0.3%● 0.0% vs 05-2026lowest value
07-2026: 0.3%● 0.0% vs 06-2026lowest value
08-2026: 0.3%▲ +1.5% vs 07-2026
09-2026: 0.3%▼ -0.4% vs 08-2026
10-2026: 0.3%● 0.0% vs 09-2026
- Size: total assets €587,516 lowers the probability for this profile
- Negative equity -€285,928 raises the probability
- Founded in 1982 lowers the probability for this profile
- Figures for FY 2025 (filed 24-12-2025) lowers the probability
No credit on open account
Liquidity ample (current ratio 25.35 against 20.91 in 2024; short-term debt: 0.4% and cash: 10.7% of total assets), but equity is negative.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, micro). Better than this share of them on solvency 5%, liquidity 75%, profitability 31%, growth against the median 40%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€285,928
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 19-12-2025, 43 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
43 d early
2024
45 d early
2023
51 d late
2022
28 d late
2021
on the day
2020
26 d late
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 2 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 31 January (4 of the last 5 filed years within 45 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close03-10-2026 today31-01-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Annual accounts filedfiscal year 2023 · micro…
Key points
By topic
Timeline
- Events
- 12
- Since
- 2017
- Next accounts
- by 31-01-2027
- 19-12-2025Annual accounts filed
- 17-12-2024Annual accounts filed
- 22-03-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company (pre-2019)
- Activity
- Renting and operating of own or leased residential…NACE 68201
- Founded
- 03-08-1982
- Year ends
- 30-06
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.