SAYDNAYA
ActiveSummary
The computed 12-month bankruptcy probability of SAYDNAYA is 4.4% (elevated). The 2025 annual accounts show negative equity (€-6k) and a net result of €-458. Equity is growing by ~44.1% per year across the filed fiscal years. Its solvency ranks better than 9% of 810 sector peers (fiscal year 2025). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
29
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability18▼-25
Solvency0=
Growth52=
Track record100
Bankruptcy probability, 12 months
4.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.41 against 0.41 in 2024; short-term debt: 216.7% and cash: 70.2% of total assets), and equity is negative.
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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
-116.7%
Return on assets
-8.6%
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
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 €-6k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-08-2026, 8 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
8 d late
2024
46 d late
2023
55 d late
2022
26 d early
2021
121 d late
2020
108 d late
2019
152 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-458
2024 · €202
2018: €956
2019: €2k
2020: €3k
2021: €19k
2022: €5k
2023: €-10k
2024: €202
2018 → 2025
Working capital
€-7k▲ 1.5%
2024 · €-7k
2018: €-25k
2019: €-23k
2020: €-20k
2021: €-4k
2022: €2k
2023: €-8k
2024: €-7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-543-€4k€-6k€-6k▲ 3.4%€-6k▼ 7.9%
Operating result€19k-€5k▼ 74.9%€-10k€799€261▼ 67.3%
Net result€19k-€5k▼ 75.4%€-10k€202€-458
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 67% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5k
Fixed assets
€598 ▼ 48.4%
Current assets
€5k ▼ 1.8%
Key figures and ratios
EBITDA
€821▼
2024 · €1k
Cash flow
€102▼
2024 · €837
Solvency
-116.7%▼
2024 · -96.5%
Current ratio
0.41▼
2024 · 0.41
Quick ratio
0.32▲
2024 · 0.32
Debt to equity
-1.86▲
2024 · -2.04
ROA
-8.6%▼
2024 · 3.4%
Interest coverage
1.14▼
2024 · 2.40
Debt
€12k▼
2024 · €12k
Debt ≤ 1 year
€12k▼
2024 · €12k
Staff costs
€12k▲
2024 · €9k
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 · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€6k€5k▼
Fixed assets21/28€1k€598▼
Tangible fixed assets22/27€839€279▼
Plant, machinery and equipment23€197€94▼
Furniture and vehicles24€643€185▼
Financial fixed assets28€319€319=
Current assets29/58€5k€5k▼
Stocks and contracts in progress3€1k€992▼
Stocks30/36€1k€992▼
Cash at bank and in hand54/58€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€6k€5k▼
Equity10/15€-6k€-6k▼
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€19k€19k=
Uncalled capital101€12k€12k=
Reserves13€30€30▼
Non-distributable reserves130/1€30€30▼
Legal reserve130€30€30▼
Profit (loss) carried forward14€-12k€-12k▼
Amounts payable17/49€12k€12k▼
Amounts payable within one year42/48€12k€12k▼
Current portion of amounts payable after more than one year42€7k€9k▲
Trade debts44€80€262▲
Suppliers440/4€80€262▲
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€2k€1k▼
Remuneration and social security454/9€3k€1k▼
Other amounts payable47/48-€14
Income statement
Code20242025
Remuneration, social security and pensions62€9k€12k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€635€560▼
Other operating charges640/8€1k€475▼
Gross operating margin9900€11k€13k▲
Operating profit (loss)9901€799€261▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€597€719▲
Recurring financial charges65€597€719▲
Profit (loss) for the period before taxes9903€202€-458▼
Profit (loss) for the period9904€202€-458▼
Profit (loss) for the period to be appropriated9905€202€-458▼
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€-12k▼
Profit (loss) brought forward from the previous period14P€-12k€-12k▲
Social balance
Average headcount (FTE)9087-0.3
The notes to these accounts (4 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
08-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 8 days late
20-03
State Gazette act
Resignation: Monir Lahdo (director)Appointment: Michel Bahnan (director) · Mandate compensation · Officer mandate restriction4 facts ▸
State Gazette act
Resignation: Monir Lahdo (director)
Appointment: Michel Bahnan (director) · Mandate compensation · Officer mandate restriction4 facts ▸
- Director resignation, Monir Lahdo (director)
- Director appointment, Michel Bahnan (director)
- Mandate compensation, Michel Bahnan
- Officer mandate restriction, Michel Bahnan
2025
15-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 46 days late
2024
31-12
Financial
Back to profitnet €202
Net result €202 after one loss-making year.
24-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 55 days late
2023
31-12
Financial
Weakest financial yearnet €-10k ▼317%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
29-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 121 days late
2021
31-12
Financial
Highest result since 2018net €19k ▲590%
Operating result €19k, net result €19k, both a record.
16-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 108 days late
2020
30-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 152 days late
08-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 252 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 59 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 24 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
Michel Bahnan
CurrentDirector · since 09-02-2026
09-02-2026
Michel Bahnan: Appointed as Director
09-02-2026
Monir Lahdo: Resigned as Director
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2003
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.
Antwerpselaan 141000 BrusselGround area
108 m²
Building footprint
71 m²
Volume, LiDAR
864 m³
Parcel 21812N1063/00F000, Brussels · tallest building 20.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
SAYDNAYA
since 20032.132.834.218
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21812N1063/00F000 | Brussels | 108 m² | 1 · 71 m² | 20.8 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrussel2.132.834.218
Similar companies · same sector, comparable size
DE GRIEKSE PITTA
BE 0782.372.997
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GREEN ONIONS
BE 0771.737.344
Mortsel · Eq €4,088
MOANA POKEBOWLS
BE 0781.786.445
Zaventem · Eq €4,094
STRIKER’S
BE 0666.758.402
Brussel · Eq €4,084
SBF
BE 0705.824.557
Eeklo · Eq €4,095
Of 21,888 companies in sector 56112 we hold annual accounts for 9,780. 4,709 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)
Founded25-10-2002
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.