SARA.B
ActiveSummary
The computed 12-month bankruptcy probability of SARA.B is 2.5% (moderate). For SARA.B, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €68k and a net result of €-18k. Equity is growing by ~10.3% per year across the filed fiscal years. Its solvency ranks better than 37% of 24633 sector peers (fiscal year 2023). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability29▼-24
Solvency43▼-5
Growth51▼-19
Track record100
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2023Solvency, return and age of the figures
Solvency
17.9%
Return on assets
-4.8%
Age of the figures
33 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline24-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 22-11-2024, 114 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
114 d late
2022
on the day
2021
31 d late
2020
1 d early
2019
31 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2023, micro schema
Turnover
€631k▼ 3.5%
2022 · €654k
2018: €514k
2019: €505k
2020: €573k
2021: €517k
2022: €654k
2018 → 2023
EBIT margin
-0.8%▼ 4.0pp
2022 · 3.2%
2018: 2.6%
2019: 4.1%
2020: 5.6%
2021: 2.0%
2022: 3.2%
2018 → 2023
Net result
€-18k
2022 · €8k
2018: €5k
2019: €8k
2020: €21k
2021: €327
2022: €8k
2018 → 2023
Working capital
€-109k▼ 60.1%
2022 · €-68k
2018: €-65k
2019: €-73k
2020: €-50k
2021: €-90k
2022: €-68k
2018 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120222023Trend
Turnover€505k-€573k▲ 13.4%€517k▼ 9.7%€654k▲ 26.5%€631k▼ 3.5%
Equity€57k-€78k▲ 36.4%€79k▲ 0.4%€86k▲ 9.6%€68k▼ 21.0%
Operating result€21k-€32k▲ 54.2%€10k▼ 67.3%€21k▲ 101%€-5k
Net result€8k-€21k▲ 176%€327▼ 98.4%€8k▲ 2,209%€-18k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2023: a loss of €5k after €21k in 2022, the lowest result in the available series.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €381k
Fixed assets
€281k ▼ 7.9%
Current assets
€100k ▲ 33.3%
Equity and liabilities €381k
Equity
€68k ▼ 21.0%
Debt
€313k ▲ 6.4%
Debt's share of the balance-sheet total rises from 77.3% to 82.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€21k▼
2022 · €47k
Cash flow
€8k▼
2022 · €33k
Current ratio
0.48▼
2022 · 0.52
Quick ratio
0.36▼
2022 · 0.38
Debt to equity
4.60▲
2022 · 3.41
ROE
-26.6%▼
2022 · 8.8%
ROA
-4.8%▼
2022 · 2.0%
Interest coverage
1.59▼
2022 · 4.10
Debt ≤ 1 year
€209k▲
2022 · €143k
Debt > 1 year
€104k▼
2022 · €143k
Staff costs
€23k▼
2022 · €27k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2023 against 2022 · 56 lines
Balance sheet
Code20222023
Assets
Total assets20/58€380k€381k▲
Fixed assets21/28€306k€281k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€302k€278k▼
Land and buildings22€261k€250k▼
Plant, machinery and equipment23€30k€24k▼
Furniture and vehicles24€11k€5k▼
Other tangible fixed assets26€0€0=
Financial fixed assets28€3k€3k=
Current assets29/58€75k€100k▲
Stocks and contracts in progress3€20k€25k▲
Stocks30/36€20k€25k▲
Amounts receivable within one year40/41€38k€65k▲
Trade receivables40-€11k
Other amounts receivable41€38k€54k▲
Cash at bank and in hand54/58€16k€9k▼
Deferred charges and accrued income490/1€343€99▼
Equity and liabilities
Total equity and liabilities10/49€380k€381k▲
Equity10/15€86k€68k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€66k€48k▼
Amounts payable17/49€294k€313k▲
Amounts payable after more than one year17€143k€104k▼
Financial debts170/4€143k€104k▼
Amounts payable within one year42/48€143k€209k▲
Current portion of amounts payable after more than one year42€42k€42k▼
Financial debts43-€8k
Credit institutions430/8-€8k
Trade debts44€93k€153k▲
Suppliers440/4€93k€153k▲
Taxes, remuneration and social security45€6k€5k▼
Taxes450/3€2k€2k▲
Remuneration and social security454/9€4k€3k▼
Other amounts payable47/48€2k€2k=
Accrued charges and deferred income492/3€9k-
Income statement
Code20222023
Turnover70€654k€631k▼
Goods, raw materials, services and sundry goods60/61€601k€596k▼
Remuneration, social security and pensions62€27k€23k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€26k▲
Other operating charges640/8€194€6k▲
Non-recurring operating charges66A€0€493▲
Gross operating margin9900€74k€51k▼
Operating profit (loss)9901€21k€-5k▼
Financial income75/76B€18€484▲
Recurring financial income75€18€484▲
Financial charges65/66B€11k€13k▲
Recurring financial charges65€11k€13k▲
Profit (loss) for the period before taxes9903€10k€-18k▼
Income taxes67/77€2k-
Profit (loss) for the period9904€8k€-18k▼
Profit (loss) for the period to be appropriated9905€8k€-18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€66k€48k▼
Profit (loss) brought forward from the previous period14P€58k€66k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2024
22-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 114 days late
2023
31-12
Financial
Weakest financial yearnet €-18k ▼340%
Net result drops to €-18k, the lowest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €21k ▲176%
Operating result €32k, net result €21k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 2 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 29 days late
2015
29-06
NBB filing
Annual accounts filed
fiscal year 2014 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Seraing · 3 establishment units since 2013
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue de la Station 124101 SeraingGround area
678 m²
Building footprint
224 m²
Volume, LiDAR
2,081 m³
3 parcels, Wallonia · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
3 establishment units
Rue Hubert Stiernet 30, 4300 Waremme
since 20132.220.675.537
CHEZ BEN
since 20142.236.111.108
Delices du Maghreb
since 20182.275.057.992
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64074C0548/00X000 | Wallonia | 377 m² | 1 · 104 m² | 11.1 m · 3 fl. |
| 62058B0941/00X008 | Wallonia | 194 m² | 1 · 74 m² | 11.4 m · 3 fl. |
| 62058B0941/00W006 | Wallonia | 108 m² | 1 · 45 m² | 10.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSeraing2.236.111.108
Similar companies · same sector, comparable size
BF GROUP & CO
BE 0782.599.463
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RETAIL SERVICES VLEMINCKVELD
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COUDIS
BE 0804.325.780
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ERISH 2020
BE 0763.989.024
Antwerpen · Eq €68,138
ITIHAD
BE 0888.967.881
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Of 10,519 companies in sector 47110 we hold annual accounts for 5,857. 4,671 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded24-05-2013
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.