SAYANE

Active

Private limited companyfounded 20233 yrs activeRue Balasse(S-B) 40, 7110 La Louvière, BelgiumKBO/BCE: BE 0801.231.381

The computed 12-month bankruptcy probability of SAYANE is 2.5% (moderate). The 2025 annual accounts show equity of €23k and a net result of €76. Equity is growing by ~46.8% per year across the filed fiscal years. Its solvency ranks better than 76% of 7293 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

88 / 100

Excellent▼ -5 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability11▼-89

Solvency100=

Growth85=

Stability94

Bankruptcy probability, 12 months

2.5% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €2k at 30 days acceptable

Liquidity ample (current ratio 2.46 against 2.88 in 2024), and 32% of the assets are financed with debt.

How do we compute the score and the probability?

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○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

68%

Return on assets

0.2%

Age of the figures

8 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

1 d early

2024

1 d early

2023

32 d late

← before the deadline after the deadline →

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 months

Position in the running window

12-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover

€68k▼ 16.1%

2024 · €82k

2023: €34k 2024: €82k

2023 → 2025

EBIT margin

0.7%▼ 34.4pp

2024 · 35.2%

2023: 0.3% 2024: 35.2%

2023 → 2025

Net result

€76▼ 99.6%

2024 · €21k

2023: €71 2024: €21k

2023 → 2025

Working capital

€16k▼ 31.0%

2024 · €23k

2023: €2k 2024: €23k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Turnover€34k-€82k▲ 140%€68k▼ 16.1%

Equity€2k-€23k▲ 1,366%€23k▲ 0.3%

Operating result€118-€29k▲ 24,175%€502▼ 98.2%

Net result€71-€21k▲ 30,327%€76▼ 99.6%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 98% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €34k

21.2%

78.8%

Fixed assets €7k

Current assets €27k

Equity and liabilities €34k

68.0%

32.0%

Equity €23k▲ 0.3%

Debt €11k▼ 11.4%

The debt ratio falls from 34.8% to 32.0%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€882

Cash flow

€456

Solvency

68.0%▲

2024 · 65.2%

Current ratio

2.46▼

2024 · 2.88

Quick ratio

2.09▼

2024 · 2.88

Debt / equity

0.47▼

2024 · 0.53

ROE

0.3%▼

2024 · 93.2%

ROA

0.2%▼

2024 · 60.8%

Interest coverage

12.23

Debt

€11k▼

2024 · €12k

Debt ≤ 1 year

€11k▼

2024 · €12k

Income taxes

€354▼

2024 · €7k

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€35k€34k▼

Fixed assets21/28-€7k

Tangible fixed assets22/27-€7k

Plant, machinery and equipment23-€7k

Current assets29/58€35k€27k▼

Stocks and contracts in progress3-€4k

Stocks30/36-€4k

Amounts receivable within one year40/41€4k€5k▲

Trade receivables40€3k€2k▼

Other amounts receivable41€2k€3k▲

Cash at bank and in hand54/58€31k€17k▼

Deferred charges and accrued income490/1-€661

Equity and liabilities

Total equity and liabilities10/49€35k€34k▼

Equity10/15€23k€23k▲

Contributions10/11€2k€2k=

Profit (loss) carried forward14€22k€22k▲

Amounts payable17/49€12k€11k▼

Amounts payable within one year42/48€12k€11k▼

Trade debts44-€5k

Suppliers440/4-€5k

Taxes, remuneration and social security45€7k€354▼

Taxes450/3€7k€354▼

Other amounts payable47/48€5k€6k▲

Income statement Code20242025

Turnover70€82k€68k▼

Goods, raw materials, services and sundry goods60/61€53k€67k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€380

Other operating charges640/8-€112

Gross operating margin9900€29k€994▼

Operating profit (loss)9901€29k€502▼

Financial charges65/66B€72€72▼

Recurring financial charges65€72€72▼

Profit (loss) for the period before taxes9903€29k€430▼

Income taxes67/77€7k€354▼

Profit (loss) for the period9904€21k€76▼

Profit (loss) for the period to be appropriated9905€21k€76▼

Appropriation of the result

Profit (loss) to be appropriated9906€22k€22k▲

Profit (loss) brought forward from the previous period14P€71€22k▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 5Financial 2Filings 3

Next filing, fiscal year 2026, expected by 31-07-2027

2026

30-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Highest result since 2023net €21k ▲30327%

Operating result €29k, net result €21k, both a record.

31-12

Financial Liquidity doublescurrent ratio 2.88

Current ratio from 1.16 to 2.88.

01-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 32 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

0 of 2 acts read

About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors

no sitting director, last change in 2024

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

31-03-2024 Resigned as Director (executive)

Not every act has been read: a resignation may be missing here

2 of this company's 2 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.

Location & real-estate footprint

Registered office, La Louvière · 1 establishment unit since 2023

approximate (street level) On OpenStreetMap

Ground area

1,980 m²

Parcel 55019C0330/00G002, Wallonia. Linked by address, not a title deed.

1 establishment unit

SAYANE

Rue Balasse(S-B) 40, 7110 La LouvièreGeneral construction of buildings

since 20232.344.914.721

1 parcel

Wallonia 1 (100%)