Sirac

Active

Private limited companyfounded 20242 yrs activeOude Haachtsesteenweg 95, 1831 Machelen (Brab.), BelgiumKBO/BCE: BE 1006.623.042

Summary

Sirac has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14,848 and a net result of €14,847. Its solvency ranks better than 56% of 1700 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

Risk analysisWatch Report Compare

SiracActiveChecked score 68/100

Risk analysis Report Compare

Activity

Artisanal bread and fresh pastry making

NACE 10712

1 site

Size

€38,974total assets 2025

Staff: 0.4 FTE
Equity: €14,848
Profit: €14,847

Turnover not published (abridged schema)

Financial health

68 Healthy Checked score 2025

Bankruptcy chance 12 m: 1.0%

Structure

Accounts 44 d early0 of 3 deeds read

Why 68- Founded in 2024- Sector Manufacture of food products (NACE 10)- Size: total assets €38,974+ Liquidity: current ratio 1.51, cash €24,899Show the evidence

Checked score

Score 2025

68 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Better than 75% of its sector peers (NACE 10, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Strong

Solvency 63

equity 38.1% of total assets

Liquidity 68

short-term debt 61.9% · cash 63.9%

Profitability 100

return on assets 38.1%

Bankruptcy probability, 12 months

1.0% Low

0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.2% (3,039 companies)

Last 15 months 08-2025: 4.6% 09-2025: 4.6%● 0.0% vs 08-2025 10-2025: 5.0%▲ +9.1% vs 09-2025highest value 11-2025: 5.0%▼ -0.5% vs 10-2025 12-2025: 4.8%▼ -3.7% vs 11-2025 01-2026: 1.0%▼ -78.1% vs 12-2025 02-2026: 1.1%▲ +2.5% vs 01-2026 03-2026: 1.1%▲ +3.7% vs 02-2026 04-2026: 1.1%● 0.0% vs 03-2026 05-2026: 1.1%● 0.0% vs 04-2026 06-2026: 1.1%● 0.0% vs 05-2026 07-2026: 1.0%▼ -10.7% vs 06-2026lowest value 08-2026: 1.0%● 0.0% vs 07-2026lowest value 09-2026: 1.0%▲ +2.8% vs 08-2026 10-2026: 1.0%▲ +1.6% vs 09-2026

Liquidity: current ratio 1.51, cash €24,899 lowers the probability
Founded in 2024 raises the probability for this profile
Sector Manufacture of food products (NACE 10) raises the probability
Size: total assets €38,974 raises the probability for this profile

Credit up to €1,000 at 30 days acceptable

Liquidity ample (current ratio 1.51; short-term debt: 61.9% and cash: 63.9% of total assets), but 61.9% 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 10, micro). Better than this share of them on solvency 56%, liquidity 73%, profitability 95%. 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.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.