E.T.A. SAINTENOY
ActiveE.T.A. SAINTENOY has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.47M and a net result of €155k. Equity is growing by ~23.6% per year across the filed fiscal years. Its solvency ranks better than 56% of 456 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-5
Solvency72▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity tight (current ratio 1.15 against 1.02 in 2024; short-term debt: 16.7% and cash: 13.1% of total assets), and 53.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
46.8%
Return on assets
4.9%
Age of the figures
15 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
32 d early
2023
40 d early
2022
16 d late
2021
7 d late
2020
17 d late
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€593k
EBIT margin
12.3%
Net result
€155k▼ 45.7%
2024 · €286k
2019: €45k
2020: €140k
2021: €108k
2022: €303k
2023: €146k
2024: €286k
2019 → 2025
Working capital
€80k▲ 600%
2024 · €11k
2019: €-385k
2020: €-147k
2021: €-16k
2022: €149k
2023: €216k
2024: €11k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€624k-€893k▲ 43.2%€1.04M▲ 16.0%€1.32M▲ 27.3%€1.47M▲ 11.5%
Operating result€91k-€263k▲ 189%€117k▼ 55.7%€304k▲ 161%€209k▼ 31.4%
Net result€108k-€303k▲ 181%€146k▼ 51.9%€286k▲ 96.3%€155k▼ 45.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 31% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.15M
Fixed assets
€2.54M▲ 3.9%
Current assets
€604k▼ 17.3%
Equity and liabilities €3.15M
Equity
€1.47M▲ 11.5%
Debt
€1.68M▼ 9.9%
The debt ratio falls from 58.5% to 53.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€565k▼
2024 · €576k
Cash flow
€512k▼
2024 · €558k
Solvency
46.8%▲
2024 · 41.5%
Current ratio
1.15▲
2024 · 1.02
Quick ratio
1.15▲
2024 · 1.02
Debt / equity
1.14▼
2024 · 1.41
ROE
10.6%▼
2024 · 21.7%
ROA
4.9%▼
2024 · 9.0%
Interest coverage
12.32▼
2024 · 40.18
Debt
€1.68M▼
2024 · €1.86M
Debt ≤ 1 year
€524k▼
2024 · €719k
Debt > 1 year
€1.15M▲
2024 · €1.14M
Income taxes
€30k▼
2024 · €78k
Staff costs
€73k▲
2024 · €63k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€3.18M€3.15M▼
Fixed assets21/28€2.45M€2.54M▲
Tangible fixed assets22/27€2.45M€2.54M▲
Plant, machinery and equipment23€2.45M€2.54M▲
Financial fixed assets28€60€60=
Current assets29/58€731k€604k▼
Amounts receivable within one year40/41€294k€189k▼
Trade receivables40€214k€182k▼
Other amounts receivable41€80k€7k▼
Cash at bank and in hand54/58€436k€411k▼
Deferred charges and accrued income490/1-€4k
Equity and liabilities
Total equity and liabilities10/49€3.18M€3.15M▼
Equity10/15€1.32M€1.47M▲
Contributions10/11€30k€30k=
Reserves13€746k€896k▲
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€743k€893k▲
Profit (loss) carried forward14€526k€531k▲
Investment grants15€17k€14k▼
Amounts payable17/49€1.86M€1.68M▼
Amounts payable after more than one year17€1.14M€1.15M▲
Financial debts170/4€1.14M€1.15M▲
Amounts payable within one year42/48€719k€524k▼
Current portion of amounts payable after more than one year42€333k€405k▲
Trade debts44€343k€85k▼
Suppliers440/4€343k€85k▼
Taxes, remuneration and social security45€32k€23k▼
Taxes450/3€29k€16k▼
Remuneration and social security454/9€3k€7k▲
Other amounts payable47/48€11k€11k=
Income statement
Code20242025
Remuneration, social security and pensions62€63k€73k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€272k€357k▲
Other operating charges640/8€960€968▲
Gross operating margin9900€640k€639k▼
Operating profit (loss)9901€304k€209k▼
Financial income75/76B€71k€20k▼
Recurring financial income75€36k€1k▼
Non-recurring financial income76B€36k€19k▼
Financial charges65/66B€14k€46k▲
Recurring financial charges65€14k€46k▲
Profit (loss) for the period before taxes9903€361k€183k▼
Transfer from deferred taxes780€3k€3k▲
Income taxes67/77€78k€30k▼
Profit (loss) for the period9904€286k€155k▼
Profit (loss) for the period to be appropriated9905€286k€155k▼
Appropriation of the result
Profit (loss) to be appropriated9906€676k€681k▲
Profit (loss) brought forward from the previous period14P€389k€526k▲
Transfer to equity691/2€150k€150k=
To other reserves6921€150k€150k=
Social balance
Average headcount (FTE)90872.22.0▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
30-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
22-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Equity above €1MEq €1.04M ▲16%
5 profitable years in a row build equity to €1.04M.
16-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
30-06
Financial
Highest result since 2019net €303k ▲181%
Net result €303k, the highest in the series.
07-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 7 days late
2021
17-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
30-06
Financial
Equity above €500kEq €550k ▲24%
2 profitable years in a row build equity to €550k.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Estinnes · 1 establishment unit since 2013
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue Saint Joseph(ROUV) 207120 EstinnesGround area
2,175 m²
Building footprint
212 m²
Volume, LiDAR
1,236 m³
Parcel 56066A0288/00X000, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Saint Joseph(ROUV) 20, 7120 Estinnes
since 20132.226.183.355
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56066A0288/00X000 | Wallonia | 2,175 m² | 1 · 212 m² | 8.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteEstinnes2.226.183.355
Similar companies · same sector, comparable size
Philippe FRENAY et fils
BE 0884.476.682
Visé · Eq €1.46M
Jobs & Milieu
BE 0465.817.952
Sint-Niklaas · Eq €1.46M
LUMMENS TUINBEDRIJF REYNDERS
BE 0447.732.105
Lummen · Eq €1.46M
KEERSMAEKERS H. EN ZN.
BE 0444.083.717
Arendonk · Eq €1.48M
VERHEGGHE KOEN
BE 0480.285.107
Oostkamp · Eq €1.49M
Of 21,218 companies in sector 81300 we hold annual accounts for 4,363. 1,413 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-06-2013
Fiscal year end30-06
Activities, NACEBEL
01610Support activities for crop production
81300Landscape service activities
01630Crop and animal production, hunting and related service activities
01640Crop and animal production, hunting and related service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.