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SINT-BAAFS

Active
Public limited companyfounded 199135 yrs activeScheldekaai 5, 9820 Merelbeke-Melle, BelgiumKBO/BCE: BE 0443.016.816
Summary

SINT-BAAFS has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.8m and a net result of €150,354. Equity is growing by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 9986 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

What they do
Real estate agency activities
NACE 68310NACE 68311NACE 70311
1 site
How big
€2.8mtotal assets 2025
Equity
€2.8m
Profit
€150,354
Turnover not published (abridged schema)
Financially healthy?
96 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Who decides
Accounts 17 d early0 of 6 deeds read
Why 96- 1 change of registered office in 24 months+ Figures for FY 2025 (filed 14-07-2026)+ Size: total assets €2.8m+ Equity €2.8m (99.6% of total assets)Show the evidence

Checked score

Score 2025
96 / 100
Excellent
Probability in this band: under 0.55%
Better than 72% of its sector peers (NACE 68, small)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency 100=
equity 99.6% of total assets
Liquidity 57+2
short-term debt 0.3% · cash 5.6%
Profitability 42-9
return on assets 5.3%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (6,922 companies)
  • 1 change of registered office in 24 months raises the probability
  • Figures for FY 2025 (filed 14-07-2026) lowers the probability
  • Size: total assets €2.8m lowers the probability for this profile
  • Equity €2.8m (99.6% of total assets) lowers the probability
Credit up to €270,000 at 30 days acceptable
short-term debt: 0.3% and cash: 5.6% of total assets, and 0.4% of the assets are financed with debt.
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 68, small). Better than this share of them on solvency 92%, liquidity 83%, profitability 41%. 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

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · 1 change of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
lowers risk · Figures for FY 2025 (filed 14-07-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Size: total assets €2.8m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Equity €2.8m (99.6% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
17 d early
2024
6 d late
2023
33 d early
2022
5 d early
2021
24 d early
2020
1 d early
2019
2 d early
← 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 11 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (1)
neutral · 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
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Liquidity triplescurrent ratio 273.35
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Positive: Among the best 5% on solvencysector median 31.3% · 9,986 companies 99.6% View
  • Active since 1991founded 16-01-1991 35 years View
  • Total assets 20256 fiscal years filed €2.8m View

By topic

Financials

Fiscal year
2025
Total assets
€2.8m
Profit
€150,354
Solvency
99.6%
Total assets▲ 4.9%
Net result
20192025
Go to Financials

Timeline

Events
15
Since
2017
  1. 14-07-2026Annual accounts filed
  2. 31-12-2025Liquidity triples
  3. 06-11-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Real estate agency activitiesNACE 68310
Founded
16-01-1991
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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