Active BE 0502.891.352Private limited company

NEW SANICAL

Rue du Nord 1 ·6030 Charleroi, Belgium· 13 yrs active

Sector: Installatie van verwarming, klimaatregeling, koeling en ventilatie aangedreven door elektriciteit (43222)

Conclusion Checked

The computed 12-month bankruptcy probability of NEW SANICAL is 0.8% (low). The 2025 annual accounts show equity of €601k and a net result of €66k. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 90% of 115 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Key figures

Equity	€601k
Net result	€66k
Staff (FTE)	7.5
Better than sector	90%

Snowflake analysis 5 of 5 axes measured · computed by Checked

81 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100

Profitability 55

Solvency 100

Growth 52

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.8% Low

0%0,5%1,5%4%10%≥25%

Higher-failure-rate sector +Annual accounts: healthy financial profile −Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Established

Founded in 2013, 13 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags 0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2025 · computed

100 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview10 NBB filings

Annual accounts filed on 09-01-2026 with the NBB · fiscal year 2025 · volledig

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~7.8%/year over 7 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 43, Specialised construction · compared within the same schema type (full schema)

Metric	This company	Sector median	Position in the sector
Solvency	73.6%	40.2%	better than 90% of 115 sector peers
Net result	€66k	€25k	better than 65% of 114 sector peers
Equity	€601k	€123k	better than 83% of 115 sector peers
Gross operating margin	€491k	€147k	better than 75% of 105 sector peers
Staff costs	€362k	€214k	higher than 63% of 82 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€111k

-8.9% 19-25

Net profit

€66k

+6.9% 19-25

Cash flow

€92k

+3.5% 19-25

Total assets

€816k

+12.4% 19-25

Equity

€601k

+12.4% 19-25

Working capital

€479k

+20.6% 19-25

Employees (FTE)

8

+2.7% 19-25

Staff costs

€362k

+7.0% 19-25

Income taxes

€24k

-27.2% 19-25

Dividends

€40k

- 19-25

Debt

€215k

+12.4% 19-25

Debt ≤ 1y

€215k

+14.5% 19-25

Debt > 1y

€3k

-85.2% 19-25

Current ratio

3.22

+3.6% 19-25

Quick ratio

2.82

+6.1% 19-25

Solvency

73.6%

0.0% 19-25

Debt / equity

0.36

0.0% 19-25

ROE

11.0%

-4.9% 19-25

ROA

8.1%

-4.9% 19-25

Interest coverage

26.32

-16.3% 19-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	volledig
Revenue	-
EBITDA	€111k
Net profit	€66k
Cash flow	€92k
Staff costs	€362k
Income taxes	€24k
Dividends	-
Total assets	€816k
Equity	€601k
Debt	€215k
of which ≤ 1y	€215k
of which > 1y	-
Working capital	€479k
Employees (FTE)	7.5

Ratios (computed)

	2025
Current ratio	3.22
Quick ratio	2.82
Working capital ratio	58.7%
Solvency	73.6%
Debt / equity	0.36
Long-term debt ratio	-
Interest coverage	26.32
Gross margin	-
Net margin	-
ROA	8.1%
ROE	11.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €122k · 14.9% Current assets €694k · 85.1%

Equity & liabilities

Equity €601k · 73.6% Debt €215k · 26.4%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€816k
Fixed assets	21/28	€122k
Tangible fixed assets	22/27	€122k
Current assets	29/58	€694k
Stocks & contracts in progress	3	€87k
Amounts receivable within one year	40/41	€92k
Investments	50/53	€219k
Cash & bank	54/58	€194k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€816k
Equity	10/15	€601k
Contributions / capital	10/11	€6k
Reserves	13	€122k
Accumulated profits (losses)	14	€473k
Amounts payable	17/49	€215k
Amounts payable within one year	42/48	€215k
Trade debts payable within one year	44	€112k
Income statement
Gross operating margin	9900	€491k
Operating result	9901	€86k
Financial income	75	€9k
Financial charges	65	€4k
Result before taxes	9903	€90k
Income taxes	67/77	€24k
Net result for the period	9904	€66k
Result to be appropriated	9905	€66k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates 2 directors

Current directors & mandates

BELVEDERE Tonino
Director
State Gazette act 24356831 (09-02-2024)

Current
09-02-2024 → present
2 events
- 09-02-2024 Resigned· Manager
- 09-02-2024 Appointed· Director
DICARA Michèle
Director
State Gazette act 24356831 (09-02-2024)

Current
09-02-2024 → present
2 events
- 09-02-2024 Resigned· Manager
- 09-02-2024 Appointed· Director

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	Installatie van verwarming, klimaatregeling, koeling en ventilatie aangedreven door elektriciteit(43222)
Legal form	Private limited company(610)
Incorporation	30-01-2013
Status	Active
Postal code	6030

Establishment units 1 location

Rue du Nord 1, 6030 Charleroi

Bouw van civieltechnische werken voor vloeistoffen, neg

since 20132.216.360.324

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
52044B0480/00P016	Wallonia	310 m²	1 · 266 m²	11.1 m · 3 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

09-01-2026

NBB filing Annual accounts filed

fiscal year 2025 · volledig

2025

06-02-2025

NBB filing Annual accounts filed

fiscal year 2024 · volledig

2024

09-02-2024

State Gazette act Director changes

Olivier VANDENBROUCKE

22-01-2024

NBB filing Annual accounts filed

fiscal year 2023 · volledig

2023

30-01-2023

NBB filing Annual accounts filed

fiscal year 2022 · volledig

2022

20-01-2022

NBB filing Annual accounts filed

fiscal year 2021 · volledig

2021

25-01-2021

NBB filing Annual accounts filed

fiscal year 2020 · volledig

2020

31-01-2020

NBB filing Annual accounts filed

fiscal year 2019 · volledig

2019

10-01-2019

NBB filing Annual accounts filed

fiscal year 2018 · volledig

2018

12-01-2018

NBB filing Annual accounts filed

fiscal year 2017 · volledig

2017

03-01-2017

NBB filing Annual accounts filed

fiscal year 2016 · volledig

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2024

09-02-2024 2 directors appointed, 2 resigning Director changes·Olivier VANDENBROUCKE

BELVEDERE Tonino, Bestuurder
DICARA Michèle, Bestuurder
BELVEDERE Tonino, Zaakvoerder
DICARA Michèle, Zaakvoerder

Notary: Olivier VANDENBROUCKE · Lambusart

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

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Company registry (CBE) Crossroads Bank

Activities

Installatie van verwarming, klimaatregeling en ventilatie43222Installatie van verwarming, klimaatregeling, koeling en ventilatie aangedreven door elektriciteit43222Bouw van civieltechnische werken voor vloeistoffen, n.e.g.42219Bouw van civieltechnische werken voor vloeistoffen, neg42219Loodgieterswerk43221Sanitaire werkzaamheden43221Overige gespecialiseerde bouwactiviteiten, neg43990Restaureren van bouwwerken43995Overige gespecialiseerde bouwwerkzaamheden43999Bouwmarkten en andere doe-het-zelfzaken in bouwmaterialen, algemeen assortiment47521Detailhandel in ijzerwaren, bouwmaterialen, verf en glas (algemeen assortiment)47521Detailhandel in sanitaire artikelen en sanitair installatiemateriaal in gespecialiseerde winkels47527Detailhandel in sanitaire artikelen en sanitair installatiemateriaal47527Detailhandel in overige bouwmaterialen in gespecialiseerde winkels47529Detailhandel in overige bouwmaterialen, neg47529Detailhandel in elektrische huishoudapparaten in gespecialiseerde winkels47540Detailhandel in elektrische huishoudapparaten47540

Primary activity highlighted.

Names & trade names

Legal nameFR

NEW SANICAL

Registered office

Rue du Nord 1

6030 Charleroi, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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