SABBE-DESANDER
ActiveSABBE-DESANDER has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €129k and a net result of €5k. Equity is growing by ~17.9% per year across the filed fiscal years. Its solvency ranks better than 35% of 345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▼-9
Solvency57▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.15 against 2.77 in 2024; short-term debt: 13.3% and cash: 4.2% of total assets), but 67.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 23
Relative position
BE, all sectors
reference
Sector 23
lower
← 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
32.1%
Return on assets
1.1%
Age of the figures
9 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 31-12-2025 was due by 31-07-2026 and was filed on 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
23 d early
2023
23 d early
2022
18 d early
2021
30 d early
2020
12 d early
2019
32 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€129k▲ 3.7%
2024 · €124k
2018: €47k
2019: €48k
2020: €51k
2021: €71k
2022: €84k
2023: €108k
2024: €124k
2018 → 2025
Total assets
€402k▼ 1.9%
2024 · €410k
2018: €143k
2019: €146k
2020: €127k
2021: €124k
2022: €130k
2023: €265k
2024: €410k
2018 → 2025
Net result
€5k▼ 72.5%
2024 · €17k
2018: €547
2019: €624
2020: €14k
2021: €20k
2022: €13k
2023: €24k
2024: €17k
2018 → 2025
Working capital
€61k▲ 12.0%
2024 · €55k
2018: €19k
2019: €32k
2020: €27k
2021: €51k
2022: €65k
2023: €68k
2024: €55k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€71k-€84k▲ 17.6%€108k▲ 28.0%€124k▲ 15.6%€129k▲ 3.7%
Operating result€28k-€16k▼ 43.5%€33k▲ 110%€26k▼ 21.8%€18k▼ 31.7%
Net result€20k-€13k▼ 38.0%€24k▲ 87.5%€17k▼ 28.9%€5k▼ 72.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 32% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €402k
Fixed assets
€287k▼ 11.4%
Current assets
€115k▲ 34.0%
Equity and liabilities €402k
Equity
€129k▲ 3.7%
Debt
€273k▼ 4.4%
The debt ratio falls from 69.7% to 67.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€56k▲
2024 · €50k
Cash flow
€43k▲
2024 · €41k
Solvency
32.1%▲
2024 · 30.3%
Current ratio
2.15▼
2024 · 2.77
Quick ratio
1.24▼
2024 · 1.80
Debt / equity
2.12▼
2024 · 2.30
ROE
3.6%▼
2024 · 13.5%
ROA
1.1%▼
2024 · 4.1%
Interest coverage
4.88▼
2024 · 5.58
Debt
€273k▼
2024 · €286k
Debt ≤ 1 year
€53k▲
2024 · €31k
Debt > 1 year
€220k▼
2024 · €250k
Income taxes
€3k▲
2024 · €1k
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€410k€402k▼
Fixed assets21/28€324k€287k▼
Tangible fixed assets22/27€324k€287k▼
Land and buildings22€21k€18k▼
Plant, machinery and equipment23€18k€15k▼
Furniture and vehicles24€4k€2k▼
Leasing and similar rights25€282k€252k▼
Financial fixed assets28€135€135=
Current assets29/58€86k€115k▲
Stocks and contracts in progress3€30k€49k▲
Stocks30/36€30k€49k▲
Amounts receivable within one year40/41€26k€49k▲
Trade receivables40€18k€45k▲
Other amounts receivable41€8k€3k▼
Cash at bank and in hand54/58€29k€17k▼
Deferred charges and accrued income490/1€740€209▼
Equity and liabilities
Total equity and liabilities10/49€410k€402k▼
Equity10/15€124k€129k▲
Contributions10/11€50k€50k=
Reserves13€74k€79k▲
Distributable reserves133€74k€79k▲
Amounts payable17/49€286k€273k▼
Amounts payable after more than one year17€250k€220k▼
Financial debts170/4€250k€220k▼
Amounts payable within one year42/48€31k€53k▲
Current portion of amounts payable after more than one year42€29k€30k▲
Trade debts44€0€20k▲
Suppliers440/4€0€20k▲
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€3k▲
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€5k€0▼
Income statement
Code20242025
Non-recurring operating income76A€7k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€39k▲
Other operating charges640/8€2k€3k▲
Non-recurring operating charges66A€737€0▼
Gross operating margin9900€53k€59k▲
Operating profit (loss)9901€26k€18k▼
Financial income75/76B€1k€905▼
Recurring financial income75€1k€905▼
Financial charges65/66B€9k€12k▲
Recurring financial charges65€9k€12k▲
Profit (loss) for the period before taxes9903€18k€7k▼
Income taxes67/77€1k€3k▲
Profit (loss) for the period9904€17k€5k▼
Profit (loss) for the period to be appropriated9905€17k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€5k▼
Transfer to equity691/2€17k€5k▼
To other reserves6921€17k€5k▼
The notes to these accounts (16 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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €24k ▲87.5%
Operating result €33k, net result €24k, both a record.
31-12
Financial
Equity above €100kEq €108k ▲28%
6 profitable years in a row build equity to €108k.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Oostrozebeke · 1 establishment unit since 2014
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.
Gentstraat 218780 OostrozebekeGround area
1,349 m²
Building footprint
167 m²
Volume, LiDAR
795 m³
Parcel 37010A0260/00H000, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Gentstraat 21, 8780 Oostrozebeke
since 20142.238.610.441
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37010A0260/00H000 | Flanders | 1,348 m² | 1 · 167 m² | 7.2 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.
Similar companies · same sector, comparable size
IMMOBILIERE JEROME
BE 0429.425.334
Seraing · Eq €130k
POTEL
BE 0741.790.969
Marchin · Eq €128k
NATUURSTEEN RAISA
BE 0479.486.935
Antwerpen · Eq €130k
Rudy BAUWENS
BE 0811.515.262
Saint-Ghislain · Eq €127k
INTER MONUMENTS
BE 0795.441.174
Mons · Eq €131k
Of 739 companies in sector 23700 we hold annual accounts for 491. 409 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-12-2014
Fiscal year end31-12
Activities, NACEBEL
23700Cutting, shaping and finishing of stone
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.