SAINT BRAND
ActiveSummary
SAINT BRAND has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €69k and a net result of €110k. Equity is shrinking by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 28% of 7029 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
70
/ 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
Profitability100=
Solvency50▼-16
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity tight (current ratio 1.23 against 1.81 in 2024; short-term debt: 58.3% and cash: 52.2% of total assets), and 75.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
24.7%
Return on assets
39%
Age of the figures
15 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 10-02-2026, 10 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 7 filingsDeviation from the deadline
2025
10 d late
2024
4 d early
2023
47 d early
2022
6 d early
2021
on the day
2020
46 d early
2019
18 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€69k▼ 42.6%
2024 · €121k
2019: €58k
2020: €136k
2021: €192k
2022: €121k
2023: €121k
2024: €121k
2019 → 2025
Total assets
€281k▼ 4.1%
2024 · €293k
2019: €89k
2020: €216k
2021: €257k
2022: €329k
2023: €249k
2024: €293k
2019 → 2025
Net result
€110k▲ 43.5%
2024 · €76k
2019: €54k
2020: €105k
2021: €85k
2022: €87k
2023: €87k
2024: €76k
2019 → 2025
Working capital
€38k▼ 64.3%
2024 · €105k
2019: €58k
2020: €136k
2021: €191k
2022: €121k
2023: €121k
2024: €105k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€192k-€121k▼ 36.9%€121k=€121k=€69k▼ 42.6%
Operating result€109k-€113k▲ 3.5%€113k▲ 0.4%€99k▼ 12.7%€145k▲ 46.6%
Net result€85k-€87k▲ 1.5%€87k▲ 0.3%€76k▼ 12.1%€110k▲ 43.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 47% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €281k
Fixed assets
€80k ▲ 37.9%
Current assets
€201k ▼ 14.4%
Equity and liabilities €281k
Equity
€69k ▼ 42.6%
Debt
€212k ▲ 23.1%
Debt's share of the balance-sheet total rises from 58.7% to 75.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€150k▲
2024 · €101k
Cash flow
€114k▲
2024 · €78k
Current ratio
1.23▼
2024 · 1.81
Debt to equity
3.05▲
2024 · 1.42
ROE
157.8%▲
2024 · 63.1%
ROA
39.0%▲
2024 · 26.1%
Interest coverage
52.50▼
2024 · 75.95
Debt ≤ 1 year
€164k▲
2024 · €130k
Debt > 1 year
€47k▲
2024 · €42k
Income taxes
€34k▲
2024 · €21k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€293k€281k▼
Fixed assets21/28€58k€80k▲
Tangible fixed assets22/27€58k€80k▲
Land and buildings22€56k€55k▼
Plant, machinery and equipment23€1k€746▼
Furniture and vehicles24€0-
Leasing and similar rights25-€24k
Financial fixed assets28€90€90=
Current assets29/58€235k€201k▼
Amounts receivable within one year40/41€34k€54k▲
Trade receivables40€34k€34k▲
Other amounts receivable41-€20k
Cash at bank and in hand54/58€201k€147k▼
Deferred charges and accrued income490/1€187€730▲
Equity and liabilities
Total equity and liabilities10/49€293k€281k▼
Equity10/15€121k€69k▼
Contributions10/11€19k€19k=
Reserves13€102k€51k▼
Distributable reserves133€102k€51k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€172k€212k▲
Amounts payable after more than one year17€42k€47k▲
Financial debts170/4€42k€47k▲
Amounts payable within one year42/48€130k€164k▲
Current portion of amounts payable after more than one year42€6k€10k▲
Trade debts44€13k€22k▲
Suppliers440/4€4k€21k▲
Bills of exchange payable441€9k€2k▼
Taxes, remuneration and social security45€33k€22k▼
Taxes450/3€33k€22k▼
Other amounts payable47/48€77k€110k▲
Accrued charges and deferred income492/3€275€368▲
Income statement
Code20242025
Non-recurring operating income76A-€12k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€5k▲
Other operating charges640/8€779€1k▲
Gross operating margin9900€102k€151k▲
Operating profit (loss)9901€99k€145k▲
Financial income75/76B€0€928▲
Recurring financial income75€0€928▲
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€98k€143k▲
Income taxes67/77€21k€34k▲
Profit (loss) for the period9904€76k€110k▲
Profit (loss) for the period to be appropriated9905€76k€110k▲
Appropriation of the result
Profit (loss) to be appropriated9906€76k€110k▲
Transfer from equity791/2-€52k
Profit to be distributed694/7€76k€161k▲
Return on contributions (dividend)694€76k€161k▲
The notes to these accounts (12 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
10-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
2025
30-06
Financial
Highest result since 2019net €110k ▲43.5%
Operating result €145k, net result €110k, both a record.
27-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
15-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €150kEq €192k ▲40.5%
3 profitable years in a row build equity to €192k.
2020
16-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Equity above €100kEq €136k ▲136%
2 profitable years in a row build equity to €136k.
13-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2018
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.
Garibaldistraat 21-231060 Sint-Gillis (bij-Brussel)Ground area
731 m²
Building footprint
477 m²
Volume, LiDAR
4,218 m³
2 parcels, Brussels · tallest building 19.9 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
SAINT BRAND
since 20182.276.064.715
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21562A0190/00R008 | Brussels | 458 m² | 1 · 349 m² | 16.4 m · 1 fl. |
| 21013B0077/00M006 | Brussels | 274 m² | 1 · 128 m² | 19.9 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
European Union, budget
2023 · 1 entry · 32,527 EUR in total| Year | Entries | awarded |
|---|---|---|
| 2023 | 1 | 32,527 EUR |
Projects
MATCH - MATCH BUY SOCIAL MARKETPLACE - POSITIONING SOCIAL ENTERPRISES AS THE MARKETS MAINSTREAM SUPPLIER
Recognitions · licences · registrations
Legal Entity Identifier
254900NXQ2G1IYTL5190
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Of 13,421 companies in sector 73300 we hold annual accounts for 6,901. 5,591 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-05-2018
Fiscal year end30-06
Activities, NACEBEL 2025
73300Public relations and communication consultancy
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.