SAYTO
ActiveSummary
SAYTO has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96,179 and a net result of -€19,777. Its solvency ranks better than 91% of 17220 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
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Signals
This company filed its last 2 accounts on average 29 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
History
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Financials · fiscal year 2025, micro schema
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Peer companies
Historical observationOf the 3,225 companies that looked in July 2024 the way this one looks now, 3.3% went bankrupt within 24 months and 88% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.6% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,225 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €23,302 | €18,540 | ▼ 20.4% |
| Other operating charges640/8 | €772 | €400 | ▼ 48.2% |
| Gross operating margin9900 | -€9,908 | -€727 | ▲ 92.7% |
| Operating profit (loss)9901 | -€33,982 | -€19,667 | ▲ 42.1% |
| Financial income75/76B | - | €4 | - |
| Recurring financial income75 | - | €4 | - |
| Financial charges65/66B | €63 | €114 | ▲ 82.2% |
| Recurring financial charges65 | €63 | €114 | ▲ 82.2% |
| Profit (loss) for the period before taxes9903 | -€34,044 | -€19,777 | ▲ 41.9% |
| Profit (loss) for the period9904 | -€34,044 | -€19,777 | ▲ 41.9% |
| Profit (loss) for the period to be appropriated9905 | -€34,044 | -€19,777 | ▲ 41.9% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €128,023 | €104,201 | ▼ 18.6% |
| Fixed assets21/28 | €69,396 | €50,857 | ▼ 26.7% |
| Intangible fixed assets21 | €69,396 | €50,857 | ▼ 26.7% |
| Current assets29/58 | €58,627 | €53,344 | ▼ 9.0% |
| Amounts receivable within one year40/41 | €7,538 | €7,299 | ▼ 3.2% |
| Trade receivables40 | €7,299 | €7,299 | = |
| Other amounts receivable41 | €239 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €51,089 | €46,045 | ▼ 9.9% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €128,023 | €104,201 | ▼ 18.6% |
| Equity10/15 | €115,956 | €96,179 | ▼ 17.1% |
| Contributions10/11 | €150,000 | €150,000 | = |
| Profit (loss) carried forward14 | -€34,044 | -€53,821 | ▼ 58.1% |
| Amounts payable17/49 | €12,067 | €8,022 | ▼ 33.5% |
| Amounts payable within one year42/48 | €12,067 | €8,022 | ▼ 33.5% |
| Trade debts44 | €11,788 | €7,624 | ▼ 35.3% |
| Suppliers440/4 | €11,788 | €7,624 | ▼ 35.3% |
| Taxes, remuneration and social security45 | - | €70 | - |
| Taxes450/3 | - | €70 | - |
| Other amounts payable47/48 | €280 | €328 | ▲ 17.4% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | -€34,044 | -€19,777 | ▲ 41.9% |
| + Depreciation and write-downs630 | €23,302 | €18,540 | ▼ 20.4% |
| Operating cash flow (approximation) | -€10,743 | -€1,237 | ▲ 88.5% |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | -€5,044 | - |
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
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Directors · office · real estate
1 establishment unit
1 parcel
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63576F1323/00R009 | Wallonia | 2,313 m² | 1 · 176 m² | 10.0 m · 3 fl. |
Linked by address, not proof of ownership
Similar companies · same sector, comparable size
Identification & contact
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.