SAYINS SOLUTIONS
ActiveSummary
The computed 12-month bankruptcy probability of SAYINS SOLUTIONS is 2.3% (moderate). The 2025 annual accounts show equity of €73k and a net result of €81k. Its solvency ranks better than 65% of 27965 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+55
Solvency86▲+58
Growth78
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.56 against 1.03 in 2024; short-term debt: 39.1% and cash: 80.7% of total assets), and 39.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
60.9%
Return on assets
67.6%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-05-2026, 87 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
87 d early
2024
119 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€73k▲ 7,838%
2024 · €922
2024: €922
2025: €73k▲ +7838% vs 2024
2024 → 2025
Total assets
€120k▲ 313%
2024 · €29k
2024: €29k
2025: €120k▲ +313% vs 2024
2024 → 2025
Net result
€81k▲ 8,714%
2024 · €922
2024: €922
2025: €81k▲ +8714% vs 2024
2024 → 2025
Working capital
€73k▲ 7,838%
2024 · €922
2024: €922
2025: €73k▲ +7838% vs 2024
2024 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€922-€73k▲ 7,838%
2024: €922
2025: €73k▲ +7838% vs 2024
Operating result€2k-€107k▲ 6,123%
2024: €2k
2025: €107k▲ +6123% vs 2024
Net result€922-€81k▲ 8,714%
2024: €922
2025: €81k▲ +8714% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 6,123% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €120k
Equity
€73k ▲ 7,838%
Debt
€47k ▲ 66.5%
Debt's share of the balance-sheet total falls from 96.8% to 39.1%. Equity and debt are higher.
Key figures and ratios
Current ratio
2.56▲
2024 · 1.03
Debt to equity
0.64
ROE
111.0%
ROA
67.6%▲
2024 · 3.2%
Debt ≤ 1 year
€47k▲
2024 · €28k
Income taxes
€20k▲
2024 · €317
Staff costs
€17k▼
2024 · €131k
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 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€29k€120k▲
Current assets29/58€29k€120k▲
Stocks and contracts in progress3€4k-
Contracts in progress37€4k-
Amounts receivable within one year40/41€15k€23k▲
Trade receivables40€14k€23k▲
Other amounts receivable41€1k-
Cash at bank and in hand54/58€8k€97k▲
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€29k€120k▲
Equity10/15€922€73k▲
Profit (loss) carried forward14€922€73k▲
Amounts payable17/49€28k€47k▲
Amounts payable within one year42/48€28k€47k▲
Trade debts44€6k-
Suppliers440/4€6k-
Taxes, remuneration and social security45€3k€36k▲
Taxes450/3€317€36k▲
Remuneration and social security454/9€3k-
Other amounts payable47/48€19k€11k▼
Income statement
Code20242025
Remuneration, social security and pensions62€131k€17k▼
Other operating charges640/8€772€506▼
Gross operating margin9900€133k€124k▼
Operating profit (loss)9901€2k€107k▲
Financial income75/76B€67€71▲
Recurring financial income75€67€71▲
Financial charges65/66B€543€5k▲
Recurring financial charges65€543€5k▲
Profit (loss) for the period before taxes9903€1k€102k▲
Income taxes67/77€317€20k▲
Profit (loss) for the period9904€922€81k▲
Profit (loss) for the period to be appropriated9905€922€81k▲
Appropriation of the result
Profit (loss) to be appropriated9906€922€82k▲
Profit (loss) brought forward from the previous period14P-€922
Profit to be distributed694/7-€9k
Return on contributions (dividend)694-€9k
Accounts by statement
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Remuneration, social security and pensions62 | €131k | €17k | ▼ 87.2% |
| Other operating charges640/8 | €772 | €506 | ▼ 34.5% |
| Gross operating margin9900 | €133k | €124k | ▼ 6.8% |
| Operating profit (loss)9901 | €2k | €107k | ▲ 6,123% |
| Financial income75/76B | €67 | €71 | ▲ 6.1% |
| Recurring financial income75 | €67 | €71 | ▲ 6.1% |
| Financial charges65/66B | €543 | €5k | ▲ 828% |
| Recurring financial charges65 | €543 | €5k | ▲ 828% |
| Profit (loss) for the period before taxes9903 | €1k | €102k | ▲ 8,112% |
| Income taxes67/77 | €317 | €20k | ▲ 6,357% |
| Profit (loss) for the period9904 | €922 | €81k | ▲ 8,714% |
| Profit (loss) for the period to be appropriated9905 | €922 | €81k | ▲ 8,714% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €29k | €120k | ▲ 313% |
| Current assets29/58 | €29k | €120k | ▲ 313% |
| Stocks and contracts in progress3 | €4k | - | - |
| Contracts in progress37 | €4k | - | - |
| Amounts receivable within one year40/41 | €15k | €23k | ▲ 53.3% |
| Trade receivables40 | €14k | €23k | ▲ 69.3% |
| Other amounts receivable41 | €1k | - | - |
| Cash at bank and in hand54/58 | €8k | €97k | ▲ 1,164% |
| Deferred charges and accrued income490/1 | €2k | - | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €29k | €120k | ▲ 313% |
| Equity10/15 | €922 | €73k | ▲ 7,838% |
| Profit (loss) carried forward14 | €922 | €73k | ▲ 7,838% |
| Amounts payable17/49 | €28k | €47k | ▲ 66.5% |
| Amounts payable within one year42/48 | €28k | €47k | ▲ 66.5% |
| Trade debts44 | €6k | - | - |
| Suppliers440/4 | €6k | - | - |
| Taxes, remuneration and social security45 | €3k | €36k | ▲ 1,032% |
| Taxes450/3 | €317 | €36k | ▲ 11,401% |
| Remuneration and social security454/9 | €3k | - | - |
| Other amounts payable47/48 | €19k | €11k | ▼ 43.5% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €922 | €81k | ▲ 8,714% |
| Operating cash flow (approximation) | €922 | €81k | ▲ 8,714% |
| Change in cash | - | €89k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
05-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 2.56
Current ratio from 1.03 to 2.56.
27-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 119 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Zaventem · 1 establishment unit since 2023
Ground area
1,970 m²
Building footprint
454 m²
Volume, LiDAR
4,737 m³
Parcel 23094D0036/00L002, Flanders · tallest building 14.0 m, ±3 floors. Linked by address, not a title deed.
30
companies at this address
See who is registered here
1 establishment unit
Excelsiorlaan 85, 1930 Zaventem
since 20232.349.072.259
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23094D0036/00L002 | Flanders | 1,970 m² | 1 · 454 m² | 14.0 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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B&I ADVICE
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Of 7,863 companies in sector 43341 we hold annual accounts for 2,663. 2,314 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded07-07-2023
Fiscal year end31-12
Activities, NACEBEL 2025
43331Floor and wall tiling
43341Painting of buildings
78100Employment placement agencies
81220Other building cleaning and industrial cleaning
Scores and ratios are computed by Checked and are not a credit decision.