Financials
- Fiscal year
- 2025
- Total assets
- €99,385
- Loss
- -€56,098
- Solvency
- -25.3%
Turnover▲ 193%
Net result
20182020
SAYLO
ActiveSummary
The computed 12-month bankruptcy probability of SAYLO is 3.7% (moderate). The 2025 annual accounts show negative equity (-€25,163) and a net result of -€56,098. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 128 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Other postal and courier activities
NACE 53200
1 site
Size
€99,385total assets 2025
- Equity
- -€25,163
- Loss
- -€56,098
Turnover not published (abridged schema)
Structure
Accounts 16 d early0 of 3 deeds read
Why 47- Sector Postal and courier activities (NACE 53)- Loss of €56,098, the second in a row (FY 2025)- Negative equity -€25,163+ Size: total assets €99,385Show the evidence
Checked score
Score 2025
47
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 8% of its sector peers (NACE 53, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
0-37
equity -25.3% of total assets
Liquidity
8+4
short-term debt 125.3% · cash 6.1%
Profitability
0-28
return on assets -56.4%
Bankruptcy probability, 12 months
3.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 5 months
06-2026: 2.1%lowest value
07-2026: 2.3%▲ +9.3% vs 06-2026
08-2026: 3.7%▲ +63.9% vs 07-2026highest value
09-2026: 3.7%● 0.0% vs 08-2026highest value
10-2026: 3.7%● 0.0% vs 09-2026highest value
- Sector Postal and courier activities (NACE 53) raises the probability
- Loss of €56,098, the second in a row (FY 2025) raises the probability
- Size: total assets €99,385 lowers the probability for this profile
- Negative equity -€25,163 raises the probability
No credit on open account
Liquidity short (current ratio 0.57 against 0.96 in 2024; short-term debt: 125.3% and cash: 6.1% of total assets), and equity is negative.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 53, micro). Better than this share of them on solvency 7%, liquidity 12%, profitability 8%, growth against the median 4%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 -€25,163
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 15-07-2026, 16 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
16 d early
2024
11 d early
2023
6 d early
2022
26 d early
2021
103 d late
2020
83 d late
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 18 days after the deadline; the sector median for financial year 2024 is 13 days after the deadline, and 56% of the sector filed late.
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. Usually files around 20 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Weakest financial yearnet -€56,098
- Annual accounts filedfiscal year 2024 · micro…
Key points
- Risk: Negative equityfiscal year 2025: debts exceed assets -€25,163 View
- Caution: Among the weakest 5% on net resultsector median €5,850 · 128 companies -€56,098 View
- Caution: 2 loss-making years in a rowloss fiscal year 2025 -€56,098 View
- Positive: Always filed on timeaccounts within the deadline every year 4 years View
By topic
Timeline
- Events
- 11
- Since
- 2018
- Next accounts
- by 31-07-2027
- 15-07-2026Annual accounts filed
- 31-12-2025Weakest financial year
- 20-07-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company (pre-2019)
- Activity
- Other postal and courier activitiesNACE 53200
- Founded
- 26-10-2016
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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