SAYF
Open bankruptcyA bankruptcy procedure is open for SAYF according to publications in the Belgian State Gazette; curator: DIANE OSSIEUR. The 2025 annual accounts show equity of €5k and a net result of €126.
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-02-2026, 23 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 · 5 filingsDeviation from the deadline
2025
23 d late
2024
59 d late
2023
6 d late
2022
37 d late
2020
15 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€226k▲ 63.2%
2022 · €138k
2022: €138k
2022 → 2023
EBIT margin
9.2%▲ 23.1pp
2022 · -13.9%
2022: -13.9%
2022 → 2023
Net result
€126▼ 97.0%
2024 · €4k
2020: €18k
2022: €-19k
2023: €18k
2024: €4k
2020 → 2025
Working capital
€-13k▲ 43.4%
2024 · €-23k
2020: €-29k
2022: €-65k
2023: €-39k
2024: €-23k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Turnover€138k€226k▲ 63.2%
Equity€7k-€-13k€820€5k▲ 513%€5k▲ 2.5%
Operating result€18k-€-19k€21k€7k▼ 64.0%€2k▼ 76.6%
Net result€18k-€-19k€18k€4k▼ 76.7%€126▼ 97.0%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 77% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €99k
Fixed assets
€18k▼ 35.0%
Current assets
€81k▲ 112%
Equity and liabilities €99k
Equity
€5k▲ 2.5%
Debt
€94k▲ 54.5%
The debt ratio rises from 92.4% to 94.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€11k▼
2024 · €17k
Cash flow
€10k▼
2024 · €14k
Solvency
5.2%▼
2024 · 7.6%
Current ratio
0.86▲
2024 · 0.63
Quick ratio
0.49▲
2024 · 0.41
Debt / equity
18.25▲
2024 · 12.11
ROE
2.4%▼
2024 · 83.7%
ROA
0.1%▼
2024 · 6.4%
Interest coverage
55.52▼
2024 · 146.23
Debt
€94k▲
2024 · €61k
Debt ≤ 1 year
€94k▲
2024 · €61k
Income taxes
€1k▼
2024 · €3k
Staff costs
€34k▼
2024 · €43k
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€66k€99k▲
Fixed assets21/28€28k€18k▼
Intangible fixed assets21€14k€11k▼
Tangible fixed assets22/27€14k€7k▼
Plant, machinery and equipment23€826€413▼
Furniture and vehicles24€7k€3k▼
Other tangible fixed assets26€6k€4k▼
Financial fixed assets28€100€100=
Current assets29/58€38k€81k▲
Stocks and contracts in progress3€13k€36k▲
Stocks30/36€13k€36k▲
Amounts receivable within one year40/41€19k€44k▲
Trade receivables40€19k€44k▲
Other amounts receivable41-€9
Cash at bank and in hand54/58€6k€1k▼
Equity and liabilities
Total equity and liabilities10/49€66k€99k▲
Equity10/15€5k€5k▲
Contributions10/11€1€1=
Reserves13€5k€5k▲
Non-distributable reserves130/1-€135
Reserves not available under the articles1311-€135
Distributable reserves133€5k€5k▼
Amounts payable17/49€61k€94k▲
Amounts payable within one year42/48€61k€94k▲
Taxes, remuneration and social security45€45k€70k▲
Taxes450/3€10k€39k▲
Remuneration and social security454/9€35k€31k▼
Other amounts payable47/48€16k€24k▲
Income statement
Code20242025
Remuneration, social security and pensions62€43k€34k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€55k
Other operating charges640/8€10k€6k▼
Gross operating margin9900€71k€108k▲
Operating profit (loss)9901€7k€2k▼
Financial charges65/66B€119€206▲
Recurring financial charges65€119€206▲
Profit (loss) for the period before taxes9903€7k€2k▼
Income taxes67/77€3k€1k▼
Profit (loss) for the period9904€4k€126▼
Profit (loss) for the period to be appropriated9905€4k€126▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€126▼
Transfer to equity691/2€4k€126▼
To other reserves6921€4k€126▼
The notes to these accounts (8 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
01-04
Bankruptcy
Opening
Tribunal de l’entreprise francophone de Bruxelles · SRL SAYF CHAUSSEE DE MONS 76, 1070 ANDERLECHT · event 16-03-2026
23-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 23 days late
2025
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 59 days late
2024
06-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
30-06
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
09-03
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 37 days late
2022
30-06
Financial
Weakest financial yearnet €-19k ▼209%
Net result drops to €-19k, the lowest in the series.
2021
15-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 15 days late
SignalFinancial 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-Jans-Molenbeek · 1 establishment unit since 2019
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.
Opzichterstraat 971080 Sint-Jans-MolenbeekGround area
171 m²
Building footprint
127 m²
Volume, LiDAR
1,466 m³
2 parcels, Brussels · tallest building 15.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
SAYF
since 20192.290.091.905
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21305B0214/00C014 | Brussels | 99 m² | 1 · 69 m² | 15.5 m · 5 fl. |
| 21012A0122/00D003 | Brussels | 72 m² | 1 · 58 m² | 14.9 m · 4 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.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | DIANE OSSIEUR AVENUE H. & F. LIMBOURG 19,
1070 ANDERLECHT |
16-03-2026 → present |
Recognitions · licences · registrations
Food safety, FASFC
1 siteAnderlecht2.290.091.905
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 5,301 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-06-2019
Fiscal year end30-06
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.