Equity
-€2,629
Debts exceed assets in financial year 2025.
SAPPHIRE SUPREME SERVICES
Lifetime
6 annual accounts with figures on one time axispeak €23,799 (2024)
-€15,118▼ €38,917
lowest -€15,965 (2025)
-€15,965▼ €33,933
peak €13,336 (2024)
-€2,629▼ €15,965
€12,000▼ 24.3%
Board1 name since 2022
1 directorLAGMOUCH NAJIM
Documentsfilings and deeds
07-07-202624 days before the deadline
2025micro format
Gross margin from €23,799 to -€15,118Loss of €15,965Equity from €13,336 to -€2,629Debts from €15,843 to €12,000Cash from €22,581 to €6,450
Key points
from the 2025 annual accountsDebts
€12,000 128% of the balance sheet
Liquidity
0.60 was 1.71 in 2024
Short-term debts fell from €15,843 to €12,000.
Filings
6 annual accounts 4 late
The 2022 accounts came latest: 105 days after the end of the period.
At the same address
10 companies
Position in the sector
-28.1%
Lower solvency than 92% of companies in building services and landscaping. Sector median 40.5% · 5,712 companies.
Turnover not published (micro format)
Checked score
53
Fair
Financially stronger than 15% of micro companies in building services and landscaping (NACE 81)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.9% across 7,709 companies (NACE 81, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 5.6%
01-2025: 5.7%▲ +0.1 percentage points vs 12-2024highest value
02-2025: 5.7%● unchanged vs 01-2025highest value
03-2025: 5.4%▼ -0.3 percentage points vs 02-2025
04-2025: 5.4%● unchanged vs 03-2025
05-2025: 5.3%▼ -0.1 percentage points vs 04-2025
06-2025: 5.2%▼ -0.1 percentage points vs 05-2025
07-2025: 5.1%▼ -0.1 percentage points vs 06-2025
08-2025: 0.7%▼ -4.4 percentage points vs 07-2025
09-2025: 0.7%● unchanged vs 08-2025
10-2025: 0.7%● unchanged vs 09-2025
11-2025: 0.7%● unchanged vs 10-2025
12-2025: 0.7%● unchanged vs 11-2025
01-2026: 0.7%● unchanged vs 12-2025
02-2026: 0.7%● unchanged vs 01-2026
03-2026: 0.7%● unchanged vs 02-2026
04-2026: 0.7%● unchanged vs 03-2026
05-2026: 0.7%● unchanged vs 04-2026
06-2026: 0.7%● unchanged vs 05-2026
07-2026: 0.7%● unchanged vs 06-2026lowest value
08-2026: 1.3%▲ +0.6 percentage points vs 07-2026
09-2026: 1.3%● unchanged vs 08-2026
10-2026: 1.3%● unchanged vs 09-2026
11-2026: 1.3%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€2,629
1 of the last 3 accounts late
lowers risk
Size: total assets €9,371
Liquidity: current ratio 0.60, cash €6,450, halved
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 81, micro). It does better than 3% of them on solvency, 47% on liquidity, 4% on profitability and 3% on growth.
The bankruptcy probability was computed on 05-11-2026 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 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% 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, 6,008 companies had the same profile as SAPPHIRE SUPREME SERVICES has now. Each dot stands for 16 companies, two years later.
83.0%
were still trading
8.4%
stopped another way
7.9%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of SAPPHIRE SUPREME SERVICES itself is lower: 1.3% within 12 months. It rests on far more data about SAPPHIRE SUPREME SERVICES than the profile alone.
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.
| 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 6,008 companies, not a prediction for SAPPHIRE SUPREME SERVICES. 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
No credit on open account
Liquidity is insufficient, with a current ratio of 0.6 (1.71 in 2024), below 1. Short-term debt is 128.1% and cash 68.8% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
192022232425
2019 to 2025 · latest year -€2,629
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-07-2026, 24 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
24 days early
2024
9 days early
2023
102 days late
2022
105 days late
2020
25 days late
2019
40 days late
← 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 40 days after the deadline. In the sector (NACE 81), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 25 August (4 of the last 5 accounts filed within 78 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
06-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0715606711
First establishment
Geldenaaksevest 2, Leuven
Incorporation
published on 11-12-2018 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SAPPHIRE SUPREME SERVICES Leuven | €9,371 | -€15,118 | -28.1% | - |
| ALLO MONSERVICE Mons | €7,101 | -€1,487 | 100.0% | - |
| YIGIT GROUP Schaerbeek | €7,240 | -€25,706 | -1443.4% | - |
| ELBIO Cleaning Aartselaar | €11,957 | €471 | 98.1% | - |
| BETIM F. PROJECT Zaventem | €8,129 | €951 | 97.6% | - |
| Henbro Huldenberg | €13,149 | -€663 | 9.4% | - |
| ASG SERVICES Machelen (Brab.) | €10,459 | €2,138 | 92.0% | - |
These companies have the same main activity as SAPPHIRE SUPREME SERVICES: general cleaning of buildings (NACE 81210). They are comparable in size and age: total assets between €7,100 and €13,100, founded between 2019 and 2021.
Official details
Source: KBO- Status
- Active since 07-12-2018Normal situation
- Registered office
- 11 active companies are registered at this addressSource: KBO register, as of 6 November 2026.
- Activity
- General cleaning of buildingsNACE 81210and 13 others
- Establishment unit
- 2.282.524.6183000 Leuven, since 12-12-2018
- Financial year end
- 31 December
- Peppol
- Reachable since 19-12-2025
Annual accounts 2025
- €9,371▼ 67.9%
- Filing
- Filed on 07-07-2026, 24 days before the end of the filing period
Insights on SAPPHIRE SUPREME SERVICES
SAPPHIRE SUPREME SERVICES files the micro format. That format states no turnover. The gross margin fell from -€1,048 in 2019 to -€15,118 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SAPPHIRE SUPREME SERVICES
- What is the company number of SAPPHIRE SUPREME SERVICES?
- The company number of SAPPHIRE SUPREME SERVICES is 0715.606.711. The VAT number is the same number with BE in front: BE 0715.606.711.
- Where is SAPPHIRE SUPREME SERVICES based?
- The registered office is at Geldenaaksevest 2, 3000 Leuven.Company details
- What does SAPPHIRE SUPREME SERVICES do?
- According to the KBO register, the main activity is general cleaning of buildings (NACE 81210).
- What is the legal form of SAPPHIRE SUPREME SERVICES?
- SAPPHIRE SUPREME SERVICES is a private limited company (pre-2019) (BVBA).
- When was SAPPHIRE SUPREME SERVICES founded?
- SAPPHIRE SUPREME SERVICES was founded on 07-12-2018.
- Is SAPPHIRE SUPREME SERVICES still active?
- Yes, SAPPHIRE SUPREME SERVICES is an active enterprise in the KBO register.
- What is the turnover of SAPPHIRE SUPREME SERVICES?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is SAPPHIRE SUPREME SERVICES profitable?
- In financial year 2025, SAPPHIRE SUPREME SERVICES made a loss of €15,965.
- Where can I find the annual accounts of SAPPHIRE SUPREME SERVICES?
- SAPPHIRE SUPREME SERVICES filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SAPPHIRE SUPREME SERVICES due?
- SAPPHIRE SUPREME SERVICES must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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