SARACI
ActiveSARACI has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.55M and a net result of €97k. Equity is growing by ~21.6% per year across the filed fiscal years. Its solvency ranks better than 55% of 7760 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-3
Solvency73▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity ample (current ratio 1.87 against 1.82 in 2024; short-term debt: 39.6% and cash: 8% of total assets), but 51.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
48.1%
Return on assets
3%
Age of the figures
9 mo
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
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
61 d late
2023
61 d late
2022
84 d late
2021
88 d late
2020
121 d late
2019
102 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.55M▲ 6.7%
2024 · €1.45M
2018: €304k
2019: €466k
2020: €703k
2021: €709k
2022: €1.00M
2023: €1.27M
2024: €1.45M
2018 → 2025
Total assets
€3.22M▲ 4.0%
2024 · €3.09M
2018: €1.24M
2019: €2.23M
2020: €1.96M
2021: €2.39M
2022: €2.84M
2023: €2.99M
2024: €3.09M
2018 → 2025
Net result
€97k▼ 45.2%
2024 · €178k
2018: €190k
2019: €162k
2020: €237k
2021: €6k
2022: €294k
2023: €271k
2024: €178k
2018 → 2025
Working capital
€1.11M▲ 12.3%
2024 · €988k
2018: €129k
2019: €232k
2020: €325k
2021: €353k
2022: €606k
2023: €917k
2024: €988k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€709k-€1.00M▲ 41.5%€1.27M▲ 27.0%€1.45M▲ 13.9%€1.55M▲ 6.7%
Operating result€40k-€411k▲ 932%€391k▼ 4.8%€293k▼ 25.2%€164k▼ 44.0%
Net result€6k-€294k▲ 4,450%€271k▼ 7.9%€178k▼ 34.4%€97k▼ 45.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 44% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.22M
Fixed assets
€836k▼ 8.1%
Current assets
€2.38M▲ 9.0%
Equity and liabilities €3.22M
Equity
€1.55M▲ 6.7%
Debt
€1.67M▲ 1.6%
The debt ratio falls from 53.1% to 51.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€264k▼
2024 · €370k
Cash flow
€198k▼
2024 · €255k
Solvency
48.1%▲
2024 · 46.9%
Current ratio
1.87▲
2024 · 1.82
Quick ratio
1.23▼
2024 · 1.32
Debt / equity
1.08▼
2024 · 1.13
ROE
6.3%▼
2024 · 12.2%
ROA
3.0%▼
2024 · 5.7%
Interest coverage
20.83▲
2024 · 13.66
Debt
€1.67M▲
2024 · €1.64M
Debt ≤ 1 year
€1.27M▲
2024 · €1.20M
Debt > 1 year
€395k▼
2024 · €445k
Income taxes
€55k▼
2024 · €91k
Staff costs
€714k▲
2024 · €614k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€3.09M€3.22M▲
Fixed assets21/28€910k€836k▼
Tangible fixed assets22/27€903k€820k▼
Land and buildings22€680k€652k▼
Plant, machinery and equipment23€66k€45k▼
Furniture and vehicles24€158k€122k▼
Financial fixed assets28€6k€17k▲
Current assets29/58€2.18M€2.38M▲
Stocks and contracts in progress3€600k€812k▲
Stocks30/36€600k€600k=
Contracts in progress37-€212k
Amounts receivable within one year40/41€1.06M€1.31M▲
Trade receivables40€986k€1.15M▲
Other amounts receivable41€75k€155k▲
Cash at bank and in hand54/58€484k€257k▼
Deferred charges and accrued income490/1€40k€7k▼
Equity and liabilities
Total equity and liabilities10/49€3.09M€3.22M▲
Equity10/15€1.45M€1.55M▲
Contributions10/11€6k€6k=
Reserves13€1.30M€1.39M▲
Distributable reserves133€1.30M€1.39M▲
Profit (loss) carried forward14€150k€150k=
Amounts payable17/49€1.64M€1.67M▲
Amounts payable after more than one year17€445k€395k▼
Financial debts170/4€445k€395k▼
Amounts payable within one year42/48€1.20M€1.27M▲
Current portion of amounts payable after more than one year42€54k€50k▼
Financial debts43€1k€0▼
Credit institutions430/8€1k€0▼
Trade debts44€1.07M€1.11M▲
Suppliers440/4€1.07M€1.11M▲
Taxes, remuneration and social security45€65k€103k▲
Taxes450/3€17k€9k▼
Remuneration and social security454/9€47k€94k▲
Other amounts payable47/48€10k€11k▲
Accrued charges and deferred income492/3€56€907▲
Income statement
Code20242025
Non-recurring operating income76A€58k€56k▼
Remuneration, social security and pensions62€614k€714k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€77k€100k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€20k€0▼
Other operating charges640/8€19k€25k▲
Gross operating margin9900€1.02M€1.00M▼
Operating profit (loss)9901€293k€164k▼
Financial income75/76B€3k€1k▼
Recurring financial income75€3k€1k▼
Financial charges65/66B€27k€13k▼
Recurring financial charges65€27k€13k▼
Profit (loss) for the period before taxes9903€268k€152k▼
Income taxes67/77€91k€55k▼
Profit (loss) for the period9904€178k€97k▼
Profit (loss) for the period to be appropriated9905€178k€97k▼
Appropriation of the result
Profit (loss) to be appropriated9906€328k€247k▼
Profit (loss) brought forward from the previous period14P€150k€150k=
Transfer to equity691/2€178k€97k▼
To other reserves6921€178k€97k▼
Social balance
Average headcount (FTE)908710.511.5▲
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 61 days late
2023
23-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 84 days late
2022
31-12
Financial
Highest result since 2018net €294k ▲4450%
Operating result €411k, net result €294k, both a record.
31-12
Financial
Equity above €1MEq €1.00M ▲41.5%
5 profitable years in a row build equity to €1.00M.
27-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 88 days late
2021
31-12
Financial
Weakest financial yearnet €6k ▼97.3%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
29-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 121 days late
2020
31-12
Financial
Equity above €500kEq €703k ▲50.8%
3 profitable years in a row build equity to €703k.
10-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 102 days late
2019
29-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 121 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
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, Sint-Truiden · 1 establishment unit 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.
Bedrijvenstraat 57903800 Sint-TruidenGround area
2,964 m²
Building footprint
1,457 m²
Volume, LiDAR
7,140 m³
Parcel 71009A0062/00P000, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bedrijvenstraat 5790, 3800 Sint-Truiden
since 20132.220.146.787
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71009A0062/00P000 | Flanders | 2,964 m² | 1 · 1,457 m² | 7.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 45 EUR awarded · 45 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 45 EUR | 45 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 7,861 companies in sector 43341 we hold annual accounts for 2,664. 684 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-06-2013
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43341Painting of buildings
43331Floor and wall tiling
43332Laying of wooden floor and wall coverings
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.