SPHAYR

Active

Private limited companyfounded 2025active for 1 yearMontagne Sainte-Walburge 74, 4000 Liège, BelgiumKBO/BCE: BE 1021.279.346

Summary

SPHAYR has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €39,761 and a net result of €34,761. Its solvency ranks better than 19% of 2,794 sector peers (NACE 82, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisFollow Report Compare

SPHAYRActiveChecked score 83/100

Risk analysis Report Compare

Activity

Other business support services

NACE 82990

1 site

Size

€533,797total assets 2025

Equity: €39,761
Profit: €34,761

Turnover not published (abbreviated format)

Financial health

83 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.3%

Structure

Holdings: 1

CAHAY Sophie Joëlle FrançoiseDirector

Accounts filed 28 days late

Why 83raises riskFounded in 2025lowers riskSector: Office administrative, office support and other business support activities (NACE 82)Size: total assets €533,797Figures for financial year 2025 (filed 28-08-2026)Show the evidence

Checked score

Score 2025

83 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 27% of its sector peers (NACE 82, micro)

Every signal that counts is listed under Signals.

Financial strength

Average

Solvency 32

equity 7.4% of total assets

Liquidity 49

short-term debt 18.6% · cash 3.6%

Profitability 54

return on assets 6.5%

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (12,639 companies, NACE 82, micro)

Last 24 months 04-2026: 0.6% 05-2026: 0.6%● unchanged vs 04-2026 06-2026: 0.6%● unchanged vs 05-2026 07-2026: 0.6%● unchanged vs 06-2026 08-2026: 0.7%▲ +0.1 percentage points vs 07-2026highest value 09-2026: 0.3%▼ -0.4 percentage points vs 08-2026lowest value 10-2026: 0.3%● unchanged vs 09-2026

Credit of up to €3,000 on 30-day terms is acceptable

Liquidity insufficient (current ratio 0.34, below 1; short-term debt: 18.6% and cash: 3.6% of total assets), and 92.6% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 82, micro): better than 19% on solvency, 34% on liquidity and 28% on profitability.

The bankruptcy probability was computed on 22-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.

lowers riskraises riskneutral

Sector: Office administrative, office support and other business support activities (NACE 82)

KBO

Size: total assets €533,797

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Founded in 2025

Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.

KBO

Figures for financial year 2025 (filed 28-08-2026)

NBB · annual accounts

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 2794 sector peers (2025).

NBB · sector comparison

Position among 2794 sector peers

Solvency

better than 19%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 1 filing

Deviation from the deadline

2025

28 days late

← before the deadline after the deadline →

Searched, nothing found (1)

No strike-offs in the KBO publications

Searched since incorporation in 2025.

KBO publications · our coverage

28-08-2026 Annual accounts filedfinancial year 2025 · abbreviated…
24-03-2025 IncorporationAppointment: CAHAY Sophie Joëlle Françoise…

Key points

Caution: Among the weakest 20% on solvencysector median 41.4% · 2,794 companies 7.4% View
One director decidessole director in office 1 View
Total assets 2025first financial year filed €533,797 View