SAN-DER
ActiveSummary
SAN-DER has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €51,560 and a net result of €78,767. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 34% of 3542 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100=
Solvency46▼-54
Growth78=
Track record94
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity tight (current ratio 1.26 against 13.51 in 2023; short-term debt: 78.8% and cash: 1.6% of total assets), and 78.8% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
21.2%
Return on assets
32.4%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-07-2025, 11 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
11 d early
2023
5 d early
2022
24 d early
2021
30 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 18 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€51,560▼ 66.3%
2023 · €152,794
Total assets
€242,760▲ 47.4%
2023 · €164,674
Net result
€78,767▲ 26.0%
2023 · €62,516
Working capital
€49,826▼ 66.5%
2023 · €148,642
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2021202220232024
Operating result€55,231-€59,854▲ 8.4%€76,734▲ 28.2%€96,103▲ 25.2%
Net result€40,057above the sector's middle half-€47,720above the sector's middle half▲ 19.1%€62,516above the sector's middle half▲ 31.0%€78,767above the sector's middle half▲ 26.0%
Equity€42,557within the sector's middle half-€90,278within the sector's middle half▲ 112%€152,794above the sector's middle half▲ 69.2%€51,560within the sector's middle half▼ 66.3%
Total assets€53,870below the sector's middle half-€98,892within the sector's middle half▲ 83.6%€164,674within the sector's middle half▲ 66.5%€242,760within the sector's middle half▲ 47.4%
Debt€11,313-€8,614▼ 23.9%€11,880▲ 37.9%€191,200▲ 1,509%
Working capital€42,557within the sector's middle half-€83,754above the sector's middle half▲ 96.8%€148,642above the sector's middle half▲ 77.5%€49,826within the sector's middle half▼ 66.5%
Solvency79.0%above the sector's middle half-91.3%above the sector's middle half▲ 12.3pp92.8%above the sector's middle half▲ 1.5pp21.2%within the sector's middle half▼ 71.5pp
Current ratio4.76above the sector's middle half-10.77above the sector's middle half▲ 6.0113.51above the sector's middle half▲ 2.741.26within the sector's middle half▼ 12.25
Return on assets (ROA)74.4%above the sector's middle half-48.3%above the sector's middle half▼ 26.1pp38.0%above the sector's middle half▼ 10.3pp32.4%above the sector's middle half▼ 5.5pp
above
within
below
the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2024 is 25% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €242,760
Fixed assets
€1,735 ▼ 58.2%
Current assets
€241,026 ▲ 50.2%
Equity and liabilities €242,760
Equity
€51,560 ▼ 66.3%
Debt
€191,200 ▲ 1,509%
Debt's share of the balance-sheet total rises from 7.2% to 78.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€98,520▲
2023 · €79,151
Cash flow
€81,183▲
2023 · €64,933
Debt to equity
3.71▲
2023 · 0.08
ROE
152.8%▲
2023 · 40.9%
Interest coverage
1523.19▲
2023 · 960.80
Debt ≤ 1 year
€191,200▲
2023 · €11,880
Income taxes
€19,511▲
2023 · €15,966
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,706 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.7%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,706 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €682 | €2,417 | €2,417 | = |
| Other operating charges640/8 | - | €177 | €249 | €309 | ▲ 23.9% |
| Gross operating margin9900 | €55,231 | €60,713 | €79,400 | €98,829 | ▲ 24.5% |
| Operating profit (loss)9901 | €55,231 | €59,854 | €76,734 | €96,103 | ▲ 25.2% |
| Financial income75/76B | - | €120 | €1,830 | €2,239 | ▲ 22.3% |
| Recurring financial income75 | - | €120 | €1,830 | €2,239 | ▲ 22.3% |
| Financial charges65/66B | €69 | €87 | €82 | €65 | ▼ 21.5% |
| Recurring financial charges65 | €69 | €87 | €82 | €65 | ▼ 21.5% |
| Profit (loss) for the period before taxes9903 | €55,163 | €59,888 | €78,482 | €98,278 | ▲ 25.2% |
| Income taxes67/77 | €15,106 | €12,167 | €15,966 | €19,511 | ▲ 22.2% |
| Profit (loss) for the period9904 | €40,057 | €47,720 | €62,516 | €78,767 | ▲ 26.0% |
| Profit (loss) for the period to be appropriated9905 | €40,057 | €47,720 | €62,516 | €78,767 | ▲ 26.0% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €53,870 | €98,892 | €164,674 | €242,760 | ▲ 47.4% |
| Fixed assets21/28 | - | €6,568 | €4,151 | €1,735 | ▼ 58.2% |
| Tangible fixed assets22/27 | - | €6,568 | €4,151 | €1,735 | ▼ 58.2% |
| Furniture and vehicles24 | - | €6,568 | €4,151 | €1,735 | ▼ 58.2% |
| Current assets29/58 | €53,870 | €92,324 | €160,523 | €241,026 | ▲ 50.2% |
| Amounts receivable after more than one year29 | - | €60,000 | €60,000 | €60,000 | = |
| Other amounts receivable291 | - | €60,000 | €60,000 | €60,000 | = |
| Amounts receivable within one year40/41 | €11,519 | €14,420 | €18,060 | €17,975 | ▼ 0.5% |
| Trade receivables40 | €11,519 | €14,420 | €17,981 | €17,301 | ▼ 3.8% |
| Other amounts receivable41 | - | - | €79 | €674 | ▲ 752% |
| Current investments50/53 | €40,488 | €5,970 | €76,058 | €158,439 | ▲ 108% |
| Cash at bank and in hand54/58 | €1,798 | €10,961 | €5,654 | €3,860 | ▼ 31.7% |
| Deferred charges and accrued income490/1 | €66 | €973 | €751 | €752 | ▲ 0.2% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €53,870 | €98,892 | €164,674 | €242,760 | ▲ 47.4% |
| Equity10/15 | €42,557 | €90,278 | €152,794 | €51,560 | ▼ 66.3% |
| Contributions10/11 | €2,500 | €2,500 | €2,500 | €2,500 | = |
| Reserves13 | €40,000 | €40,000 | €40,000 | €40,000 | = |
| Distributable reserves133 | €40,000 | €40,000 | €40,000 | €40,000 | = |
| Profit (loss) carried forward14 | €57 | €47,778 | €110,294 | €9,060 | ▼ 91.8% |
| Amounts payable17/49 | €11,313 | €8,614 | €11,880 | €191,200 | ▲ 1,509% |
| Amounts payable within one year42/48 | €11,313 | €8,569 | €11,880 | €191,200 | ▲ 1,509% |
| Trade debts44 | €1,743 | €633 | €637 | €934 | ▲ 46.7% |
| Suppliers440/4 | €1,743 | €633 | €637 | €934 | ▲ 46.7% |
| Taxes, remuneration and social security45 | €6,418 | €6,868 | €7,824 | €35,665 | ▲ 356% |
| Taxes450/3 | €6,418 | €6,868 | €7,824 | €35,665 | ▲ 356% |
| Other amounts payable47/48 | €3,151 | €1,069 | €3,420 | €154,601 | ▲ 4,421% |
| Accrued charges and deferred income492/3 | - | €45 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €40,057 | €47,720 | €62,516 | €78,767 | ▲ 26.0% |
| + Depreciation and write-downs630 | - | €682 | €2,417 | €2,417 | = |
| Operating cash flow (approximation) | €40,057 | €48,402 | €64,933 | €81,183 | ▲ 25.0% |
| Investment in fixed assets (approximation) | - | - | €0 | €0 | - |
| Change in cash | - | €9,163 | -€5,306 | -€1,795 | ▲ 66.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
20-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €78,767 ▲26%
Operating result €96,103, net result €78,767, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150,000Eq €152,794 ▲69.2%
3 profitable years in a row build equity to €152,794.
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 10.77
Current ratio from 4.76 to 10.77; short-term debt falls from €11,313 to €8,569.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Kontich · 1 establishment unit since 2021
Ground area
671 m²
Building footprint
167 m²
Volume, LiDAR
1,102 m³
Parcel 11602C0045/00H002, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ooststatiestraat 187a, 2550 Kontich
since 20212.312.278.971
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11602C0045/00H002 | Flanders | 671 m² | 1 · 167 m² | 10.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
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Of 3,205 companies in sector 95316 we hold annual accounts for 754. 559 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded19-01-2021
Fiscal year end31-12
Activities, NACEBEL 2025
95316Washing and cleaning of motor vehicles
71112Activities of interior architects
71113Urban planning and landscape architecture
74130Interior design
74140Other specialised design activities
81300Landscape service activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0761806227
Also
9925:BE0761806227
Registered
06-02-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.