SAYFLIM

Active

Private limited companyfounded 20242 yrs activeNinoofse Steenweg 643, 1070 Anderlecht, BelgiumKBO/BCE: BE 1006.025.404

The computed 12-month bankruptcy probability of SAYFLIM is 6.9% (elevated). The 2024 annual accounts show equity of €6k and a net result of €5k. Its solvency ranks better than 22% of 6717 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

41 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes

Profitability78

Solvency34

Growth-

Track record67

Bankruptcy probability, 12 months

6.9% Elevated

0%0.5%1.5%4%10%≥ 25%

No publishable credit limit; credit only on tighter terms

Liquidity short (current ratio 0.6; short-term debt: 90.7% and cash: 22.6% of total assets), and 90.7% 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.

+raises risk○neutral

Young company

A young company has little track record yet and statistically fails more often than an established one.

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 49

Relative position

BE, all sectors

reference

Sector 49

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: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

9.3%

Return on assets

7.1%

Age of the figures

21 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 6717 sector peers (2024).

NBB · sector comparison

Position among 6717 sector peers

Solvency

better than 22%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 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 · 1 filing

Deviation from the deadline

2024

31 d late

← before the deadline after the 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 2024, micro schema

Equity

€6k

Total assets

€68k

Net result

€5k

Working capital

€-24k

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

Balance-sheet composition

Assets €68k

45.4%

54.6%

Fixed assets €31k

Current assets €37k

Equity and liabilities €68k

90.7%

Equity €6k

Debt €61k

Debt finances 90.7% of the balance-sheet total.

Key figures and ratios

2024 value

EBITDA

€8k

Cash flow

€7k

Solvency

9.3%

Current ratio

0.60

Quick ratio

0.60

Debt / equity

9.71

ROE

76.3%

ROA

7.1%

Interest coverage

1289.78

Debt

€61k

Debt ≤ 1 year

€61k

Income taxes

€1k

Staff costs

€683

Filed annual accounts

As filed with the NBB · 2024

Balance sheet Code2024

Assets

Total assets20/58€68k

Fixed assets21/28€31k

Tangible fixed assets22/27€31k

Furniture and vehicles24€31k

Current assets29/58€37k

Amounts receivable within one year40/41€22k

Trade receivables40€11k

Other amounts receivable41€11k

Cash at bank and in hand54/58€15k

Equity and liabilities

Total equity and liabilities10/49€68k

Equity10/15€6k

Contributions10/11€2k

Outside capital11€2k

Other1109/19€2k

Profit (loss) carried forward14€5k

Amounts payable17/49€61k

Amounts payable within one year42/48€61k

Trade debts44€8k

Suppliers440/4€8k

Taxes, remuneration and social security45€2k

Taxes450/3€1k

Remuneration and social security454/9€400

Other amounts payable47/48€52k

Income statement Code2024

Remuneration, social security and pensions62€683

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k

Other operating charges640/8€1k

Gross operating margin9900€11k

Operating profit (loss)9901€6k

Financial income75/76B€2

Recurring financial income75€2

Financial charges65/66B€7

Recurring financial charges65€7

Profit (loss) for the period before taxes9903€6k

Income taxes67/77€1k

Profit (loss) for the period9904€5k

Profit (loss) for the period to be appropriated9905€5k

Appropriation of the result

Profit (loss) to be appropriated9906€5k

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 3Gazette 2Filings 1

2026

09-09

State Gazette act General meeting · Director resignation

General meeting · Director resignation · Board composition7 facts ▸

General meeting, 2026-09-01
Director resignation, BENSALAH Bilal (administrateur)
Board composition, Administrateur, 2026-09-01
Board composition, Administrateur, 2026-09-01
Board composition, Administrateur, 2026-09-01
Board composition, Administrateur, 2026-09-01
Shareholding, 100

05-08

State Gazette act Resignations & appointments

General meeting · Director appointment · Shareholding7 facts ▸

General meeting, 27/07/2026
Director appointment, EL HAMMOUCHI Ahmed (Administrateur)
Director appointment, LAAROUSSI Mohamed (Administrateur)
Shareholding, 100
Director appointment, AZMAR Brahim (Administrateur)
Director appointment, AIT MOUSSA Abdelilah (Administrateur)
Director appointment, BENSALAH Bilal (Administrateur)

2025

31-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 31 days late

State Gazette actNBB filing

Directors · office · real estate

Directors

under verification, no change since 2026

This board is reconstructed from a single act (26100678). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.

AIT MOUSSA Abdelilah

Director · since 05-08-2026

Current

AZMAR Brahim

Director · since 05-08-2026

Current

EL HAMMOUCHI Ahmed

Director · since 27-07-2026

Current

Mohamed Laaroussi

Director · since 27-07-2026

Current

01-09-2026 Bilal BENSALAH: Resigned as Director

05-08-2026 AIT MOUSSA Abdelilah: Appointed as Director

05-08-2026 AZMAR Brahim: Appointed as Director

05-08-2026 Bilal BENSALAH: Appointed as Director

27-07-2026 EL HAMMOUCHI Ahmed: Appointed as Director

27-07-2026 Mohamed Laaroussi: Appointed as Director

02-02-2026 Lassakeur Nasr Eddine: Resigned as Director

30-10-2025 Mohamed Laaroussi: Resigned as Director

30-06-2025 Mountassir Falahi: Resigned as Director

31-03-2025 Mohamed Bilal JEDDI: Resigned as Director

26-02-2025 Wassim TOUBEISH: Resigned as Director

Location & real-estate footprint

Registered office, Anderlecht · 1 establishment unit since 2024

establishment The establishment unit on the map

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.

Ninoofse Steenweg 6431070 Anderlecht

Ground area

207 m²

Building footprint

192 m²

Volume, LiDAR

3,130 m³

Parcel 21302A0013/00V002, Brussels · tallest building 19.0 m, ±6 floors. Linked by address, not a title deed.

1 establishment unit

Ninoofse Steenweg 643, 1070 Anderlecht

Non-scheduled passenger transport by road

since 20242.357.572.726

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21302A0013/00V002	Brussels	207 m²	1 · 191 m²	19.0 m · 6 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.

Structure & network

Connections & network

1 connected company

Network connections

SORWAB

Shared address

→

Similar companies · same sector, comparable size

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Of 6,687 companies in sector 49330 we hold annual accounts for 2,286. 1,828 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded14-02-2024

Fiscal year end31-12

Activities, NACEBEL

49320Non-scheduled passenger transport by road

49330On-demand passenger transport by chauffeured vehicle

49390Land transport and transport via pipelines

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.