SARDY
ActiveSARDY has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-67k) and a net result of €-23k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 9% of 1541 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
28
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.07 against 0.69 in 2024; short-term debt: 33.5% and cash: 2% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2025Solvency, return and age of the figures
Solvency
-66.8%
Return on assets
-22.9%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Sector 10
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-67k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
24 d late
2024
143 d late
2023
30 d late
2022
2 d early
2021
56 d early
2020
40 d early
2019
18 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€0
2019 · €0
2019: €0
2019 → 2021
Total assets
€101k▼ 21.0%
2024 · €128k
2018: €130k
2019: €153k
2020: €153k
2021: €158k
2022: €121k
2023: €158k
2024: €128k
2018 → 2025
Net result
€-23k▼ 2.7%
2024 · €-22k
2018: €25
2019: €-17k
2020: €1k
2021: €12k
2022: €-10k
2023: €-14k
2024: €-22k
2018 → 2025
Working capital
€-32k▼ 332%
2024 · €-7k
2018: €-950
2019: €-22k
2020: €-11k
2021: €54k
2022: €39k
2023: €14k
2024: €-7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€0-
Equity€3k-€-7k€-22k▼ 192%€-44k▼ 103%€-67k▼ 52.1%
Operating result€15k-€-7k€-9k▼ 18.9%€-14k▼ 65.8%€-14k▼ 0.8%
Net result€12k-€-10k€-14k▼ 38.0%€-22k▼ 56.2%€-23k▼ 2.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €14k in 2025 against €14k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €101k
Fixed assets
€99k▼ 11.4%
Current assets
€2k▼ 86.5%
Key figures and ratios
EBITDA
€-2k▼
2024 · €-2k
Cash flow
€-10k▼
2024 · €-10k
Solvency
-66.8%▼
2024 · -34.7%
Current ratio
0.07▼
2024 · 0.69
Quick ratio
0.07▼
2024 · 0.69
Debt / equity
-2.50▲
2024 · -3.88
ROA
-22.9%▼
2024 · -17.6%
Interest coverage
-0.21▼
2024 · -0.21
Debt
€168k▼
2024 · €172k
Debt ≤ 1 year
€34k▲
2024 · €24k
Debt > 1 year
€134k▼
2024 · €148k
Staff costs
€15k▼
2024 · €15k
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€128k€101k▼
Fixed assets21/28€111k€99k▼
Tangible fixed assets22/27€111k€99k▼
Land and buildings22€54k€52k▼
Plant, machinery and equipment23€52k€44k▼
Furniture and vehicles24€6k€3k▼
Current assets29/58€16k€2k▼
Amounts receivable within one year40/41€4k€161▼
Trade receivables40€540€0▼
Other amounts receivable41€3k€161▼
Cash at bank and in hand54/58€12k€2k▼
Equity and liabilities
Total equity and liabilities10/49€128k€101k▼
Equity10/15€-44k€-67k▼
Contributions10/11€6k€6k=
Reserves13€911€911=
Non-distributable reserves130/1€911€911=
Reserves not available under the articles1311€911€911=
Profit (loss) carried forward14€-51k€-74k▼
Amounts payable17/49€172k€168k▼
Amounts payable after more than one year17€148k€134k▼
Financial debts170/4€148k€134k▼
Amounts payable within one year42/48€24k€34k▲
Current portion of amounts payable after more than one year42€14k€16k▲
Trade debts44€4k€150▼
Suppliers440/4€4k€150▼
Advances received on contracts in progress46-€1k
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€171€378▲
Remuneration and social security454/9€4k€3k▼
Other amounts payable47/48€2k€13k▲
Income statement
Code20242025
Remuneration, social security and pensions62€15k€15k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k=
Other operating charges640/8€679€974▲
Gross operating margin9900€14k€14k▲
Operating profit (loss)9901€-14k€-14k▼
Financial charges65/66B€8k€9k▲
Recurring financial charges65€8k€9k▲
Profit (loss) for the period before taxes9903€-22k€-23k▼
Profit (loss) for the period9904€-22k€-23k▼
Profit (loss) for the period to be appropriated9905€-22k€-23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-51k€-74k▼
Profit (loss) brought forward from the previous period14P€-29k€-51k▼
The notes to these accounts (7 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Weakest financial yearnet €-23k
Net result drops to €-23k, the lowest in the series.
21-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 143 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
29-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €12k ▲826%
Operating result €15k, net result €12k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 2.78
Current ratio from 0.62 to 2.78.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
13-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Verviers · 1 establishment unit since 2011
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.
Clos Marie Popelin 14800 VerviersGround area
1,391 m²
Building footprint
269 m²
Volume, LiDAR
1,767 m³
2 parcels, Wallonia · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SPRL SARDY
since 20112.193.716.267
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63043A0142/00S000 | Wallonia | 967 m² | 1 · 150 m² | 8.5 m · 2 fl. |
| 63073B1462/00X000 | Wallonia | 425 m² | 1 · 119 m² | 8.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 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 siteStavelot2.193.716.267
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Of 446 companies in sector 10850 we hold annual accounts for 173. 53 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-11-2010
Fiscal year end31-12
Activities, NACEBEL
10850Manufacture of food products
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0470/205454